Coupon bearing sponsor account transaction authorization
First Claim
1. A method, comprising:
- sending, from a computing device of a transaction handler of a payment processing network, a coupon authorization request message to an issuer of a sponsor account for a coupon to be used with a purchase from a merchant;
receiving, in the computing device and in response to the coupon authorization request message, a coupon authorization response message from the issuer of the sponsor account;
receiving, in the computing device and from the merchant, a consumer authorization request message identifying a consumer account for a payment transaction between a consumer and the merchant for the purchase;
sending, from the computing device, a consumer authorization request message to an issuer of the consumer account for the payment transaction;
receiving, in the computing device and in response to the consumer authorization request message to the issuer of the consumer account, a consumer authorization response message from the issuer of the consumer account; and
communicating, from the computing device, authorization data to the merchant for the purchase, in accordance with the consumer authorization response message and the coupon authorization response message.
1 Assignment
0 Petitions
Accused Products
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.
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Citations
20 Claims
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1. A method, comprising:
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sending, from a computing device of a transaction handler of a payment processing network, a coupon authorization request message to an issuer of a sponsor account for a coupon to be used with a purchase from a merchant; receiving, in the computing device and in response to the coupon authorization request message, a coupon authorization response message from the issuer of the sponsor account; receiving, in the computing device and from the merchant, a consumer authorization request message identifying a consumer account for a payment transaction between a consumer and the merchant for the purchase; sending, from the computing device, a consumer authorization request message to an issuer of the consumer account for the payment transaction; receiving, in the computing device and in response to the consumer authorization request message to the issuer of the consumer account, a consumer authorization response message from the issuer of the consumer account; and communicating, from the computing device, authorization data to the merchant for the purchase, in accordance with the consumer authorization response message and the coupon authorization response message. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A non-transitory computer readable storage medium storing instructions configured to instruct a computing device of a transaction handler of a payment processing network to perform a method, the method comprising:
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sending, from the computing device of the transaction handler of the payment processing network, a coupon authorization request message to an issuer of a sponsor account for a coupon to be used with a purchase from a merchant; receiving, in the computing device and in response to the coupon authorization request message, a coupon authorization response message from the issuer of the sponsor account; sending, from the computing device, a consumer authorization request message to an issuer of a consumer account for a payment transaction between a consumer and the merchant for the purchase; receiving, in the computing device and in response to the consumer authorization request message to the issuer of the consumer account, a consumer authorization response message from the issuer of the consumer account; and communicating, from the computing device, authorization data to the merchant for the purchase, in accordance with the consumer authorization response message and the coupon authorization response message. - View Dependent Claims (18)
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19. A computing device, comprising:
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a processor; and a memory storing instructions configured to instruct the processor to perform operations of a transaction handler of a payment processing network, the operations including; sending, from the computing device, a coupon authorization request message to an issuer of a sponsor account for a coupon to be used with a purchase from a merchant; receiving, in the computing device and in response to the coupon authorization request message, a coupon authorization response message from the issuer of the sponsor account; sending, from the computing device, a consumer authorization request message to an issuer of a consumer account for a payment transaction between a consumer and the merchant for the purchase; receiving, in the computing device and in response to the consumer authorization request message to the issuer of the consumer account, a consumer authorization response message from the issuer of the consumer account; and communicating, from the computing device, authorization data to the merchant for the purchase, in accordance with the consumer authorization response message and the coupon authorization response message. - View Dependent Claims (20)
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Specification