Opt in system and method

• US 9,010,632 B2
• Filed: 09/24/2013
• Issued: 04/21/2015
• Est. Priority Date: 01/12/2009
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Maw, Brian Jeffrey
• Primary Examiner(s): St Cyr, Daniel
• Application Number:
  US14/035,685
• Publication Number:
  US 20140025472A1
• Time in Patent Office: 574 Days
• Field of Search: 235/375, 235/379, 235/380, 235/383, 705/1.1, 705/14.1, 705/14.27, 705/14.3
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/3574 Multiple applications on card
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]

Abstract

A financial transaction system includes a computer readable storage medium and a processor in communication with the computer readable storage medium. The processor is configured to receive a financial transaction request message from a payment device reader, and parse the financial transaction request message. The financial transaction request message includes a cardholder response to an offer to enroll in a loyalty program of a commercial entity. The processor is further configured to store the cardholder response in the computer readable storage medium.

Claims

1. A system, comprising:

at least one processor, and

memory storing instructions configured to instruct the at least one processor to;

receive, by a way of being embedded in an authorization request for a payment transaction in a payment account of a cardholder, a cardholder response to an offer to enroll in a loyalty program of a commercial entity, wherein the cardholder response is received over a communication network from a merchant payment device reader that generates the authorization request for the payment transaction, wherein the payment transaction is requested to be made in the payment account of the cardholder; and

in response to the cardholder response to the offer to enroll in the loyalty program of the commercial entity, transmit loyalty program enrollment information to the cardholder.

2. The system of claim 1, wherein the instructions are further configured to instruct the processor to:

retrieve cardholder-specific data from a storage medium accessible by the system in response to the cardholder response to the offer to enroll in the loyalty program of the commercial entity; and

transmit the cardholder-specific data to the commercial entity.

3. The system of claim 1, wherein the instructions are further configured to instruct the processor to:

receive a message from the commercial entity, the message comprising cardholder-specific loyalty program data; and

send the cardholder-specific loyalty program data to the cardholder.

4. The system of claim 3, wherein the cardholder-specific loyalty program data includes a loyalty program rewards membership number.

5. The system of claim 1, wherein the instructions are further configured to instruct the processor to:

transmit the cardholder-specific loyalty program data to a monitor for displaying to the cardholder.

6. The system of claim 1, wherein the instructions are further configured to instruct the processor to:

transmit the cardholder-specific loyalty program data to a printer for printing.

7. The system of claim 1, wherein the instructions are further configured to instruct the processor to cause a payment device reader to display the offer to enroll in the loyalty program.

8. A method, comprising:

receiving, by a way of being embedded in an authorization request for a payment transaction in a payment account of a cardholder, a cardholder response to an offer to enroll in a loyalty program of a commercial entity, wherein the cardholder response is received by a computing device over a communication network from a merchant payment device reader that generates the authorization request for the payment transaction, wherein the payment transaction is requested to be made in the payment account of the cardholder; and

in response to the cardholder response to the offer to enroll in the loyalty program of the commercial entity, transmitting by the computing device loyalty program enrollment information to the cardholder.

9. The method of claim 8, further comprising:

retrieving, via the computing device, cardholder-specific data from the storage medium in, response to the cardholder response to the offer to enroll in the loyalty program of the commercial entity; and

transmitting, via the computing device, the cardholder-specific data to the commercial entity.

10. The method of claim 8, further comprising:

receiving a message from the commercial entity, the message comprising cardholder-specific loyalty program data; and

sending the cardholder-specific loyalty program data to the cardholder.

11. The method of claim 10, wherein the cardholder-specific loyalty program data includes a loyalty program rewards membership number.

12. The method of claim 8, further comprising:

transmitting a response message to the payment device reader, the response message causing the payment device reader to display a message confirming enrollment in the loyalty program.

13. A non-transitory computer readable storage medium storing instructions which, when executed by a computing device, cause the computing device to perform a method, the method comprising:

receiving, by a way of being embedded in an authorization request for a payment transaction in a payment account of a cardholder, a cardholder response to an offer to enroll in a loyalty program of a commercial entity, wherein the cardholder response is received by the computing device over a communication network from a merchant payment device reader that generates the authorization request for the payment transaction, wherein the payment transaction is requested to be made in the payment account of the cardholder; and

in response to the cardholder response to the offer to enroll in the loyalty program of the commercial entity, transmitting by the computing device loyalty program enrollment information to the cardholder.

14. The non-transitory computer readable storage medium of claim 13, wherein the method further comprises:

retrieving cardholder-specific data from a storage medium, in response to the cardholder response to the offer to enroll in the loyalty program of the commercial entity; and

transmitting the cardholder-specific data to the commercial entity.

15. The non-transitory computer readable storage medium of claim 13, wherein the method further comprises:

receiving a message from the commercial entity, the message comprising cardholder-specific loyalty program data; and

sending a message to the payment device reader, the message comprising the cardholder-specific loyalty program data.

16. The non-transitory computer readable storage medium of claim 15, wherein the cardholder-specific loyalty program data includes a loyalty program rewards membership number.

17. The non-transitory computer readable storage medium of claim 15, wherein the method further comprises:

transmitting a message to the payment device reader, the message causing the payment device reader to display a message confirming enrollment in the loyalty program.

18. The non-transitory computer readable storage medium of claim 15, wherein the method further comprises:

receiving a response message, the response message comprising cardholder-specific loyalty program data.

19. The non-transitory computer readable storage medium of claim 18, wherein the cardholder-specific loyalty program data includes a membership identification number of the cardholder.

20. The non-transitory computer readable storage medium of claim 15, wherein the method further comprises:

transmitting cardholder-specific loyalty program data to a monitor for displaying to the cardholder.

21. The non-transitory computer readable storage medium of claim 15, wherein the method further comprises:

transmitting the cardholder-specific loyalty program data to a printer for printing.

22. The non-transitory computer readable storage medium of claim 15, wherein the method further comprises:

displaying the offer to enroll in the loyalty program of the commercial entity to the cardholder.