SYSTEMS AND METHODS TO PROCESS TRANSACTIONS AND OFFERS VIA A GATEWAY
First Claim
1. A computer system, comprising:
- a transaction handler connected in an electronic payment processing network;
a gateway configured to communicate a transaction terminal using a communication channel outside the electronic payment processing network;
a data warehouse storing data identifying a benefit associated with a user account;
at least one microprocessor; and
memory storing instructions which when executed by the at least one microprocessor cause the computer system apparatus to;
receive, via the gateway using the communication channel outside the electronic payment processing network, an authorization request transmitted from the transaction terminal without going through an acquirer processor that is connected to the transaction terminal in the electronic payment processing network, wherein the authorization request requests authorization of a transaction between the user account and a merchant account controlled by the acquirer processor; and
in response to the authorization request,identify the benefit applicable to the transaction requested in the authorization request;
apply the benefit to the transaction requested in the authorization request;
after the applying of the benefit to the transaction, transmit from the gateway to the transaction terminal via the communication channel outside the electronic payment network, an authorization response for the transaction having the benefit applied to; and
transmit, using the transaction handler via the electronic payment processing network to the acquirer processor, a transaction message responsive to the authorization request to credit funds of the transaction from the user account to the merchant account controlled by the acquirer processor.
1 Assignment
0 Petitions
Accused Products
Abstract
A system, configured to integrate the processing of transactions and offers applicable to the transactions, includes: a data warehouse storing an offer in association with a financial payment account; a gateway configured to receive an authorization request that is transmitted from a transaction terminal without going through an acquirer processor, the gateway coupled with the data warehouse to determine whether the offer is applicable to the authorization request and if so, apply a benefit of the offer to the authorization request; and a transaction handler coupled with the gateway to process the authorization request submitted from the gateway, provide an authorization response corresponding to the authorization request, and communicate with the acquirer processor to credit funds according to the authorization request to a merchant account associated with the transaction terminal.
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Citations
20 Claims
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1. A computer system, comprising:
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a transaction handler connected in an electronic payment processing network; a gateway configured to communicate a transaction terminal using a communication channel outside the electronic payment processing network; a data warehouse storing data identifying a benefit associated with a user account; at least one microprocessor; and memory storing instructions which when executed by the at least one microprocessor cause the computer system apparatus to; receive, via the gateway using the communication channel outside the electronic payment processing network, an authorization request transmitted from the transaction terminal without going through an acquirer processor that is connected to the transaction terminal in the electronic payment processing network, wherein the authorization request requests authorization of a transaction between the user account and a merchant account controlled by the acquirer processor; and in response to the authorization request, identify the benefit applicable to the transaction requested in the authorization request; apply the benefit to the transaction requested in the authorization request; after the applying of the benefit to the transaction, transmit from the gateway to the transaction terminal via the communication channel outside the electronic payment network, an authorization response for the transaction having the benefit applied to; and transmit, using the transaction handler via the electronic payment processing network to the acquirer processor, a transaction message responsive to the authorization request to credit funds of the transaction from the user account to the merchant account controlled by the acquirer processor. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A computer-implemented method, comprising:
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providing a computing apparatus having; a data warehouse storing data identifying a benefit associated with a user account; a gateway coupled with the data warehouse; a transaction handler connected in an electronic payment processing network and coupled with the gateway; and memory storing instructions which when executed on the computing apparatus cause the computing apparatus to perform the method; receiving, via the gateway using a communication channel outside the electronic payment processing network, an authorization request transmitted from a transaction terminal without going through an acquirer processor that is connected to the transaction terminal in the electronic payment processing network, wherein the authorization request requests authorization of a transaction between the user account and a merchant account controlled by the acquirer processor; and in response to the authorization request, identifying by the computing apparatus the benefit applicable to the transaction requested in the authorization request; applying by the computing apparatus the benefit to the transaction requested in the authorization request; after the applying of the benefit to the transaction, transmitting from the gateway to the transaction terminal via the communication channel outside the electronic payment network, an authorization response for the transaction having the benefit applied to; and transmitting, using the transaction handler via the electronic payment processing network to the acquirer processor, a transaction message responsive to the authorization request to credit funds of the transaction from the user account to the merchant account controlled by the acquirer processor. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A non-transitory computer storage medium storing instructions which when executed on a computing apparatus, causes the computing apparatus to perform a method, the method comprising:
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storing in a data warehouse of the computing apparatus, data identifying a benefit associated with a user account, wherein the data warehouse is coupled with; a transaction handler connected in an electronic payment processing network; and a gateway configured to communicate with a transaction terminal using a communication channel outside the electronic payment processing network; receiving, in the gateway using the communication channel outside the electronic payment processing network, an authorization request transmitted from the transaction terminal without going through an acquirer processor that is connected to the transaction terminal in the electronic payment processing network, wherein the authorization request requests authorization of a transaction between the user account and a merchant account controlled by the acquirer processor; and in response to the authorization request, identifying by the computing apparatus the benefit applicable to the transaction requested in the authorization request; applying by the computing apparatus the benefit to the transaction requested in the authorization request; after the applying of the benefit to the transaction, transmitting from the gateway to the transaction terminal via the communication channel outside the electronic payment network, an authorization response for the transaction having the benefit applied to; and transmitting, using the transaction handler via the electronic payment processing network to the acquirer processor, a transaction message responsive to the authorization request to credit funds of the transaction from the user account to the merchant account controlled by the acquirer processor. - View Dependent Claims (20)
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Specification