System and method for promotion processing and authorization
First Claim
1. A method for processing promotions, performed by a funds facilitation system that facilitates transactions between payers and payees, the method comprising:
- storing, by the funds facilitation system, promotion rules in a database, each promotion rule associating a promotion with a payee;
receiving, by the funds facilitation system, a transaction authorization request from a payee for a transaction, the transaction authorization request including identification of the payee, identification of a payer and a transaction amount;
comparing, by the funds facilitation system, the identification of the payee to the promotion rules stored in the database to identify a promotion that is associated with the payee;
determining, by the funds facilitation system, an age of the payer without being informed of the payer'"'"'s age by the payee;
authorizing, by the funds facilitation system, the transaction to the payee in which the promotion is applied to the transaction, wherein the authorization is conditioned on the payer'"'"'s age meeting a predetermined age condition; and
transferring funds from the payer'"'"'s account to the payee'"'"'s account in response to the transaction being authorized.
1 Assignment
0 Petitions
Accused Products
Abstract
An example funds facilitation system that facilitates transactions between a payer and payee includes a promotion processing system that facilitates the provision of promotions to account holders on the funds facilitation system. The party offering the promotion may be a merchant/payee that also has an account with the funds facilitation system. The promotion processing system applies promotion rules based on the identity of the merchant/payee and upon conditions placed on the promotion that identify a payer or a group of payers to receive the promotion. A user interface is provided for generating promotion rules and monitoring promotions. A user interface is also provided that displays unused promotion and gift codes and links to merchant/payee websites associated with the unused codes. The funds facilitation system can also provide authorization for purchases based on a condition, such as the age of the payer.
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Citations
31 Claims
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1. A method for processing promotions, performed by a funds facilitation system that facilitates transactions between payers and payees, the method comprising:
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storing, by the funds facilitation system, promotion rules in a database, each promotion rule associating a promotion with a payee; receiving, by the funds facilitation system, a transaction authorization request from a payee for a transaction, the transaction authorization request including identification of the payee, identification of a payer and a transaction amount; comparing, by the funds facilitation system, the identification of the payee to the promotion rules stored in the database to identify a promotion that is associated with the payee; determining, by the funds facilitation system, an age of the payer without being informed of the payer'"'"'s age by the payee; authorizing, by the funds facilitation system, the transaction to the payee in which the promotion is applied to the transaction, wherein the authorization is conditioned on the payer'"'"'s age meeting a predetermined age condition; and transferring funds from the payer'"'"'s account to the payee'"'"'s account in response to the transaction being authorized. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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22. A funds facilitation system comprising:
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a database that stores promotion rules, each promotion rule associating a promotion with a payee; a processor in communication with the database; and memory in communication with the processor and storing instructions that, when executed by the processor, cause the funds facilitation system to; receive a transaction authorization request from a payee for a transaction, the transaction authorization request including identification of the payee, identification of a payer, and a transaction amount; compare the identification of the payee to the promotion rules stored in the database to identify a promotion that is associated with the payee; determine an age of the payer without being informed of the payer'"'"'s age by the payee; authorize the transaction to the payee in which the promotion is applied to the transaction, wherein the authorization is conditioned on the payer'"'"'s age meeting a predetermined age condition; and transfer funds from the payer'"'"'s account to the payee'"'"'s account in response to the transaction being authorized. - View Dependent Claims (23, 24, 25, 26, 27, 28, 29, 30)
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31. A tangible, non-transitory computer-readable medium storing instructions that, when executed by a funds facilitation system, cause the funds facilitation system to:
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store promotion rules in a database, each promotion rule associating a promotion with a payee; receive a transaction authorization request from a payee for a transaction, the transaction authorization request including identification of the payee, identification of a payer, and a transaction amount; compare the identification of the payee to the promotion rules stored in the database to identify a promotion that is associated with the payee; determine an age of the payer without being informed of the payer'"'"'s age by the payee; authorize the transaction to the payee in which the promotion is applied to the transaction, wherein the authorization is conditioned on the payer'"'"'s age meeting a predetermined age condition; and transfer funds from the payer'"'"'s account to the payee'"'"'s account in response to the transaction being authorized.
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Specification