Coupon bearing sponsor account transaction authorization

• US 8,725,568 B2
• Filed: 05/13/2013
• Issued: 05/13/2014
• Est. Priority Date: 08/24/2009
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Cervenka, Karen Louise, Taylor, Mary Theresa, Ma, Gwen Diane
• Primary Examiner(s): CHEUNG, CALVIN K
• Application Number:
  US13/892,910
• Publication Number:
  US 20130254004A1
• Time in Patent Office: 365 Days
• Field of Search: 705/14.4, 705/14.49, 705 1457- 1458, 705/14.73, 705/50
• US Class Current: 705/14.49
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0225 Avoiding frauds
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0241 Advertisements
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0277 Online advertisement
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: H04M 3/4878 Advertisement messages

Abstract

A transaction handler receives, for forwarding to a sponsor account'"'"'s issuer, a coupon authorization request message from a merchant'"'"'s acquirer that identifies the sponsor account and a coupon for an item being purchased by a consumer in a transaction with the merchant. The issuer determines eligibility of the coupon for use by the consumer, and sends an authorization response message to the merchant via its acquirer and the transaction handler for the application of a corresponding discount for the item when the coupon is eligible. One or more coupon eligibilities for the purchase of the item by the consumer from the merchant can be derived from comparisons of the transaction to predetermined times, geographies, jurisdictions, sets of merchants, and/or the number of times that coupons have been used in other transactions. The transaction handler can further process the transaction for authorization the consumer'"'"'s account to pay of the transaction.

Claims

1. A method comprising:

receiving, by a computing device, a coupon authorization request message from a merchant that identifies a sponsor account;

sending, by the computing device, the coupon authorization request message to an issuer of the sponsor account;

receiving, by the computing device in response to the coupon authorization request message, a coupon authorization response message;

receiving, by the computing device, a consumer authorization request message from the merchant identifying a consumer account;

sending, by the computing device, the consumer authorization request message to an issuer of the consumer account;

receiving, by the computing device in response to the consumer authorization request message, a consumer authorization response message from the issuer of the consumer account; and

sending, by the computing device, the consumer authorization response message to the merchant.

2. The method, as defined in claim 1, wherein the issuer of the sponsor account and the issuer of the consumer account are different issuers.

3. The method, as defined in claim 1, further comprising:

receiving, by the computing device, a plurality of said coupon authorization request messages each originating from the merchant, wherein each said coupon authorization request message identifies one said sponsor account and one said coupon for an item being purchased by the consumer in a transaction with the merchant; and

for each said coupon authorization request message, and prior to the receiving of the consumer authorization request message;

sending, by the computing device, the coupon authorization request message to an issuer of the corresponding one said sponsor account;

receiving, by the computing device and in response to the coupon authorization request message, a coupon authorization response message from the issuer of the one said sponsor account, wherein the coupon authorization response message includes eligibility of the coupon for use by the consumer for the purchase of the item in the transaction with the merchant; and

sending, by the computing device, the coupon authorization response message the merchant.

4. A non-transitory computer readable storage medium storing instructions executable by a computing device to perform operations comprising:

receiving, by the computing device, a coupon authorization request message from a merchant that identifies a sponsor account;

sending, by the computing device, the coupon authorization request message to an issuer of the sponsor account;

receiving, by the computing device in response to the coupon authorization request message, a coupon authorization response message;

receiving, by the computing device, a consumer authorization request message from the merchant identifying a consumer account;

sending, by the computing device, the consumer authorization request message to an issuer of the consumer account;

receiving, by the computing device in response to the consumer authorization request message, a consumer authorization response message from the issuer of the consumer account; and

sending, by the computing device, the consumer authorization response message to the merchant.

5. A method comprising:

receiving, by a computing device, an authorization request message from a merchant, wherein the authorization request message includes information to identify a sponsor account and a coupon;

retrieving, by the computing device and using the information in the authorization request message, coupon eligibility data pertaining to the sponsor account and the coupon;

determining, by the computing device and using the coupon eligibility data, eligibility of the coupon; and

sending, by the computing device and in response to the authorization request message, an authorization response message to the merchant, wherein the authorization response message includes an identifier corresponding to eligibility of the coupon.

6. The method, as defined in claim 5, wherein the retrieved coupon eligibility data is sufficient for the determining of whether:

the time of a transaction is within a predetermined time within which the coupon is eligible for use to purchase an item;

a location within which the transaction is taking place is within a predetermined geography within which the coupon is eligible for use to purchase the item; and

the merchant is with a predetermined set of said merchants from whom the coupon is eligible for the purchase of the item.

7. The method as defined in claim 5, wherein the item is being purchased by a consumer in a transaction for a transaction currency amount less a discount currency amount corresponding to the coupon.

8. The method as defined in claim 7, wherein the transaction currency amount less the discount currency amount payable to the merchant by the consumer is not paid from a balance of currency in the sponsor account.

9. The method as defined in claim 5, wherein a transaction is being conducted on a consumer account that is not the sponsor account.

10. The method as defined in claim 9, wherein the consumer account is one selected from the group consisting of:

a debit account issued by an issuer to the consumer;

a credit account issued by an issuer to the consumer;

a prepaid account issued by an issuer to the consumer;

an Automated Clearing House (ACH) account issued by an issuer to the consumer; and

a checking account issued by an issuer to the consumer.

11. A method comprising:

receiving, by a computing device, an authorization request message originating from a merchant, wherein the authorization request message includes information to identify;

the sponsor account; and

a Globally Unique IDentifier (GUID) for a coupon for an item being purchased by the consumer in the transaction with the merchant;

retrieving, by the computing device and using the information in the authorization request message;

a predetermined set of conditions for use of the coupon for the purchase of the item in the transaction with the merchant; and

a currency available balance of the sponsor account;

determining, by the computing device, eligibility of the coupon for use by the consumer for the purchase of the item in the transaction with the merchant; and

sending, by the computing device and in response to the authorization request message, an authorization response message, wherein the authorization response message includes an identifier corresponding to eligibility of the coupon for use by the consumer for the purchase of the item in the transaction with the merchant.

12. The method, as defined in claim 11, wherein the predetermined set of conditions for use of the coupon for the purchase of the item in the transaction is one selected from the group consisting of:

a time within which the coupon is eligible for use to purchase the item;

a geography within which the coupon is eligible for use to purchase the item;

a jurisdiction within which the coupon is eligible for use to purchase the item; and

a set of said merchants from whom the coupon is eligible for the purchase of the item.

13. The method, as defined in claim 12, wherein the authorization request message includes data to derive whether:

the time of the transaction is within the time of the predetermined set of conditions within which the coupon is eligible for use to purchase the item;

a location within which the transaction is taking place is within the geography of the predetermined set of conditions within which the coupon is eligible for use to purchase the item;

a jurisdiction within which the transaction is taking place is within the jurisdiction within which the coupon is eligible for use to purchase the item; and

the merchant is with the set of said merchants from whom the coupon is eligible for the purchase of the item.