Coupon offers from multiple entities

• US 8,903,734 B2
• Filed: 11/14/2013
• Issued: 12/02/2014
• Est. Priority Date: 12/26/2006
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Carlson, Mark
• Primary Examiner(s): Lastra, Daniel
• Application Number:
  US14/080,681
• Publication Number:
  US 20140074600A1
• Time in Patent Office: 383 Days
• Field of Search: 705/14.1
• US Class Current: 705/14.1
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0253 During e-commerce, i.e. online transactions

Abstract

Offers from multiple entities provide an incentive for consumers to behave in a manner that is beneficial to the offer provider. Each offer is associated with rules that establish conditions that must be met for the offer to be valid. For example, a rule may be established to promote the use a specific form of payment, such as a particular credit card. Thus, the offer would only be valid if the consumer paid for the merchandise using the particular credit card. A merchant may generate its own offers or receive offers from a variety of sources (e.g., a payment processing organization, an issuer, or other external sources).

Claims

1. A method comprising:

receiving, by a device, a consumer identifier during a transaction;

determining, by the device and during the transaction, different discounted transaction amounts associated with a plurality of offers provided by a payment processing organization and an issuer; and

presenting, by the device and during the transaction, the different discounted transaction amounts associated with the plurality of offers provided by the payment processing organization and the issuer.

2. The method of claim 1 wherein the consumer identifier is a payment card account number.

3. The method of claim 1 wherein the transaction is conducted between a consumer associated with the consumer identifier and a merchant.

4. The method of claim 1 further comprising:

identifying the payment processing organization and the issuer during the transaction.

5. The method of claim 1 further comprising:

sending, by the device during the transaction, a plurality of offer indicators to the payment processing organization and the issuer; and

receiving, by the device during the transaction, validation of the plurality of offers.

6. The method of claim 5 further comprising:

receiving, by the device from a consumer during the transaction, a selection of a validated offer from the payment processing organization or the issuer.

7. The method of claim 5 further comprising:

retrieving, by the device and prior to validating, the one or more conditions associated with each of the offers in the plurality of offers.

8. The method of claim 5 wherein at least one offer indicator in the plurality of offer indicators is an electronic coupon code.

9. The method of claim 1 wherein the payment processing organization or the issuer validates the terms of the offer during the transaction.

10. The method of claim 1 wherein the device is a POS terminal.

11. A device comprising a processor, and a computer readable medium coupled to the processor, to implement a method comprising:

receiving, by the device, a consumer identifier during a transaction;

determining, by the device and during the transaction, different discounted transaction amounts associated with a plurality of offers provided by a payment processing organization and an issuer; and

presenting, by the device and during the transaction, the different discounted transaction amounts associated with the plurality of offers provided by the payment processing organization and the issuer.

12. The device of claim 11 wherein the consumer identifier is a payment card account number.

13. The device of claim 11 wherein the transaction is conducted between a consumer associated with the consumer identifier and a merchant.

14. The device of claim 11 further comprising:

identifying the payment processing organization and the issuer during the transaction.

15. The device of claim 11 further comprising:

sending, by the device during the transaction, a plurality of offer indicators to the payment processing organization and the issuer; and

receiving, by the device during the transaction, validation of the plurality of offers.

16. The device of claim 15 further comprising:

receiving, by the device from a consumer during the transaction, a selection of a validated offer from the payment processing organization or the issuer.

17. The device of claim 15 further comprising:

retrieving, by the device and prior to validating, the one or more conditions associated with each of the offers in the plurality of offers.

18. The device of claim 15 wherein at least one offer indicator in the plurality of offer indicators is an electronic coupon code.