FINANCIAL PAYMENT SYSTEMS LINKED TO CUSTOMER ACCOUNTS
First Claim
1. At a payment processor within a computing system including the payment processor and an issuer of a financial payment system, a method of linking a financial payment system to a customer account, comprising:
- receiving a payment request from a merchant including a merchant identifier and a customer account identifier for identifying the financial payment system;
associating the financial payment system with a registered customer by comparing the customer account identifier with customer account information for the registered customer maintained at the payment processor; and
communicating with the issuer of the financial payment system to request authorization to grant the payment request.
1 Assignment
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Accused Products
Abstract
A computer-implemented method and system for linking a financial payment system to a customer account. A customer account may be created that includes an identifier for a financial payment system, such as a credit or debit card. During a transaction between the customer and a merchant, the identifier may be received by a payment processor. The processor correlated the identifier with a customer using stored customer account information. An electronic message including an incentive offered by the merchant is generated and sent to the customer. The offer may include a condition that the customer must complete in order to receive the incentive. The condition may be, for example, a requirement that the customer provide predetermined information to the merchant or as a posting on a social network. The incentive may be provided to the customer as a refund directly applied to the financial payment system.
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Citations
22 Claims
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1. At a payment processor within a computing system including the payment processor and an issuer of a financial payment system, a method of linking a financial payment system to a customer account, comprising:
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receiving a payment request from a merchant including a merchant identifier and a customer account identifier for identifying the financial payment system; associating the financial payment system with a registered customer by comparing the customer account identifier with customer account information for the registered customer maintained at the payment processor; and communicating with the issuer of the financial payment system to request authorization to grant the payment request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. In a computing system including a processor and a database for storing information, a method of linking a financial payment system to a customer account, comprising:
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receiving transaction information relating to a transaction between a merchant and a customer using a processor, the transaction information including an identifier for the financial payment system used by the customer; correlating the identifier with data relating to the customer account stored on the database using the processor to determine if the customer qualifies for an incentive provided by the merchant; generating an electronic message including information related to the incentive using the processor and transmitting the electronic message to the customer via a software application in communication with the processor; and providing the incentive to the customer. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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Specification