REBATE AUTOMATION
First Claim
1. A method, comprising:
- storing, in a computing device, offer data associating an offer with a payment account of a user, the offer including a benefit applicable to a predefined purchase;
receiving, in the computing device, a communication transmitted from a merchant via an acquirer of the merchant, the communication identifying the predefined purchase in response to the user presenting a payment device associated with the payment account;
in response to the communication received in the computing device, communicating, by the computing device, with an issuer of the payment account for authorization of a payment transaction in the payment account, wherein the payment transaction has a transaction amount that is a full price of the purchase less the benefit provided by the offer in accordance with the offer data; and
communicating, by the computing device, with at least one sponsor of the offer to initiate a payment transaction from an account of the sponsor to the merchant for the benefit provided by the offer to the payment transaction in the payment account of the user.
1 Assignment
0 Petitions
Accused Products
Abstract
A computer receives information that a request is made to authorize a transaction for a sale of a product by a merchant to an account holder in a transaction conducted on a consumer account issued to the account holder. When the computer confirms that the transaction is authorized and that the transaction occurs within a predetermined time period for which there is a rebate associated with the product and a corresponding sponsor financially responsible for the rebate, the computer communicates that the rebate is to be debited to an account of the sponsor and either: (i) given as a discount by the merchant at the point of sale to the account holder; or (ii) credited to an account issued to the account holder by the issuer.
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Citations
20 Claims
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1. A method, comprising:
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storing, in a computing device, offer data associating an offer with a payment account of a user, the offer including a benefit applicable to a predefined purchase; receiving, in the computing device, a communication transmitted from a merchant via an acquirer of the merchant, the communication identifying the predefined purchase in response to the user presenting a payment device associated with the payment account; in response to the communication received in the computing device, communicating, by the computing device, with an issuer of the payment account for authorization of a payment transaction in the payment account, wherein the payment transaction has a transaction amount that is a full price of the purchase less the benefit provided by the offer in accordance with the offer data; and communicating, by the computing device, with at least one sponsor of the offer to initiate a payment transaction from an account of the sponsor to the merchant for the benefit provided by the offer to the payment transaction in the payment account of the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A computing apparatus, comprising:
a transaction handler of a payment processing network, configured to at least; store, in a database, offer data associating an offer with a payment account of a user, the offer including a benefit applicable to a predefined purchase; receive, in the transaction handler, a communication transmitted from a merchant via an acquirer of the merchant, the communication identifying the predefined purchase in response to the user presenting a payment device associated with the payment account; in response to the communication received in the transaction handler, communicate, by the transaction handler, with an issuer of the payment account for authorization of a payment transaction in the payment account, wherein the payment transaction has a transaction amount that is a full price of the purchase less the benefit provided by the offer in accordance with the offer data; and communicate, by the transaction handler, with at least one sponsor of the offer to initiate a payment transaction from an account of the sponsor to the merchant for the benefit provided by the offer to the payment transaction in the payment account of the user. - View Dependent Claims (15, 16, 17, 18, 19)
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20. A non-transitory computer storage medium storing instructions configured to instruct a computing device to at least:
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store, in the computing device, offer data associating an offer with a payment account of a user, the offer including a benefit applicable to a predefined purchase; receive, in the computing device, a communication transmitted from a merchant via an acquirer of the merchant, the communication identifying the predefined purchase in response to the user presenting a payment device associated with the payment account; in response to the communication received in the computing device, communicate, by the computing device, with an issuer of the payment account for authorization of a payment transaction in the payment account, wherein the payment transaction has a transaction amount that is a full price of the purchase less the benefit provided by the offer in accordance with the offer data; and communicate, by the computing device, with at least one sponsor of the offer to initiate a payment transaction from an account of the sponsor to the merchant for the benefit provided by the offer to the payment transaction in the payment account of the user.
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Specification