Systems and methods to process transactions and offers via a gateway

• US 9,495,690 B2
• Filed: 03/14/2013
• Issued: 11/15/2016
• Est. Priority Date: 04/04/2012
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Ovick, Joseph Bjorn, Carlson, Mark, Hagey, Ryan, Reid, Margaret, Stan, Patrick, Wright, Patrick, Koganti, Krishna Prasad, Powell, Glenn, Kumnick, Phillip Lyle
• Primary Examiner(s): Sittner, Matthew T
• Application Number:
  US13/804,463
• Publication Number:
  US 20130268333A1
• Time in Patent Office: 1,342 Days
• US Class Current: 1/1
• CPC Class Codes: G06F 16/283 Multi-dimensional databases or data warehouses, e.g. MOLAP or ROLAP
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 30/0225 Avoiding frauds
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute

Abstract

A system, configured to integrate the processing of transactions and offers applicable to the transactions, includes: a data warehouse storing an offer in association with a financial payment account; a gateway configured to receive an authorization request that is transmitted from a transaction terminal without going through an acquirer processor, the gateway coupled with the data warehouse to determine whether the offer is applicable to the authorization request and if so, apply a benefit of the offer to the authorization request; and a transaction handler coupled with the gateway to process the authorization request submitted from the gateway, provide an authorization response corresponding to the authorization request, and communicate with the acquirer processor to credit funds according to the authorization request to a merchant account associated with the transaction terminal.

Claims

1. A computer-implemented method, comprising:

providing a computing apparatus having;

a data warehouse configured to store data associating an offer with an account of a user;

a gateway coupled with the data warehouse; and

a transaction handler configured in an electronic payment processing network and further coupled with the gateway, wherein the computing apparatus has instructions configured to instruct at least one microprocessor of the computing apparatus to perform operations of the method;

storing, in the data warehouse of the computing apparatus, the data associating the offer with the account of a user;

after the data associating the offer with the account of the user is stored in the data warehouse, receiving, via the gateway using a communication channel outside the electronic payment processing network, in the transaction handler of the computing apparatus and from a transaction terminal of a merchant, an authorization request transmitted without going through an acquirer processor of the merchant for a transaction in the account of the user, wherein the acquirer processor is connected in the electronic payment processing network;

in response to the authorization request received in the gateway, determining, by the computing apparatus, whether a benefit of the offer is applicable to the authorization request; and

in response to a determination that the benefit of the offer is applicable to the authorization request,

applying by the computing apparatus the benefit of the offer to the authorization request prior to providing an authorization response for the authorization request;

providing, from the gateway of the computing apparatus to the transaction terminal via the communication channel outside the electronic payment network, the authorization response responsive to the authorization request, wherein the authorization response is configured to indicate the benefit of the offer applied to the authorization request; and

in response to the authorization request, transmitting, by the transaction handler of the computing apparatus using the electronic payment processing network, a transaction message to the acquirer processor to credit funds to an account of the merchant.

2. The method of claim 1, wherein the transmitting is, as a response to the authorization request, from the transaction handler.

3. The method of claim 2, further comprising:

identifying, by the computing apparatus, the acquirer processor based on at least one of;

an identity of the transaction terminal, and an identification of the account of the merchant.

4. The method of claim 3, wherein the authorization request identifies at least an item paid for via the transaction;

and the determining of whether the benefit of the offer is applicable is based al least in part on all identification of the item.

5. The method of claim 4, further comprising:

communicating, by the computing apparatus, with the transaction terminal to provide a user interface to allow the user to select an option from a set of options including

a first option to suppress printing a paper receipt and receive an electronic version of a receipt at a communication reference specified by the user;

a second option to omit purchase details of the transaction in a paper receipt and receive an electronic version of a receipt that includes the purchase details; and

a third option to print an electronic version of a receipt that is displayed on the transaction terminal.

6. The method of claim 5, further comprising:

presenting, in connection with the authorization response, information related to one of the offer, a consumer account of the user, and the merchant.

7. The method of claim 4, further comprising:

communicating, by the computing apparatus, with the transaction terminal to provide a user interface to allow the user to perform, in connection with the authorization response, at least one of;

enrolling in an offer campaign;

accepting an offer; and

redeeming loyalty program benefits and apply the benefits to the transaction.

8. The method of claim 1, wherein the applying of the benefit of the offer to the authorization request comprises:

determining a second transaction amount from a first transaction amount identified in the authorization request and the benefit of the offer; and

communicating with an issuer processor of the account for authorization of the second transaction amount.

9. The method of claim 8, wherein the communicating with the issuer processor does not go through the acquirer processor.

10. The method of claim 8, wherein the authorization response is configured to approve the second transaction amount.

11. The method of claim 8, further comprising:

determining an amount of the benefit provided by the offer; and

communicating with a sponsor processor of the offer for authorization of the amount of the benefit.

12. The method of claim 11, further comprising:

generating the authorization response from a result of the communicating with the issuer processor of the account and a result of the communicating with the sponsor processor.

13. The method of claim 12, wherein the authorization response is generated to approve or reject the first transaction amount.

14. The method of claim 1, wherein the applying of the benefit of the offer to the authorization request comprises determining a second transaction amount from a first transaction amount identified in the authorization request and the benefit of the offer;

and wherein the transmitting of the transaction message to the acquirer processor to credit funds to the account of the merchant includes submitting an authorization request for the second transaction amount in the account to the acquirer processor.

15. The method of claim 14, wherein the transaction handler is a first transaction handler;

and the account is under control of an issuer processor connected to a second transaction handler separate from the first transaction handler.

16. A computing apparatus having at least one microprocessor and memory storing instructions configured to instruct the at least one microprocessor to perform operations, the computing apparatus comprising:

a data warehouse configured to store data associating an offer with an account of a user;

a gateway configured to receive, from a transaction terminal of a merchant using a communication channel outside an electronic payment processing network, an authorization request transmitted without going through an acquirer processor of the merchant for a transaction in the account of the user, wherein

the acquirer processor is connected in the electronic payment processing network, and

the computing apparatus is configured to determine whether a benefit of the offer is applicable to the authorization request using the data stored in the data warehouse; and

a transaction handler configured in the electronic payment processing network and further coupled with the gateway to receive, after the data associating the offer with the account of the user is stored in the data warehouse, the authorization request from the gateway;

wherein, in response to the authorization request received in the gateway, the computing apparatus determines whether the benefit of the offer is applicable to the authorization request; and

in response to a determination that the benefit of the offer is applicable to the authorization request,

the computing apparatus applies the benefit of the offer to the authorization request prior to providing an authorization response for the authorization request,

the transaction handler transmits, in response to the authorization request and using the electronic payment processing network, a transaction message to the acquirer processor to credit funds to an account of the merchant, and

the gateway provides, via the communication channel outside the electronic payment network, the transaction terminal with the authorization response responsive to the authorization request, wherein the authorization response is configured to indicate the benefit of the offer applied to the authorization request.

17. The computing apparatus of claim 16, further comprising:

a portal configured to provide a notification of the benefit applied to the transaction to a device identified by a communication reference associated with the account in the data warehouse.

18. The computing apparatus of claim 16, wherein the transaction handler is configured to communicate with an issuer processor of the account for a first portion of the transaction and communicate with a sponsor processor of the offer for a second portion of the transaction.

19. The computing apparatus of claim 16, wherein the gateway is configured to generate a trigger record for the transaction handler to apply the benefit of the offer, in response to the determination that the benefit of the offer is applicable to the authorization request.

20. A non-transitory computer-storage medium storing instructions configured to instruct a computing apparatus to perform a method, the method comprising:

storing, in a data warehouse of the computing apparatus, data associating an offer with an account of a user, wherein the computing apparatus has;

the data warehouse configured to store the data associating the offer with the account of the user;

a gateway coupled with the data warehouse; and

a transaction handler configured in an electronic payment processing network and further coupled with the gateway, wherein the computing apparatus has instructions configured to instruct at least one microprocessor of the computing apparatus to perform operations of the method;

after the data associating the offer with the account of the user is stored in the data warehouse, receive, via the gateway using a communication channel outside the electronic payment processing network, in the transaction handler of the computing apparatus and from a transaction terminal of a merchant, an authorization request transmitted without going through an acquirer processor of the merchant for a transaction in the account of the user, wherein the acquirer processor is connected in the electronic payment processing network;

in response to the authorization request received in the gateway, determine, by the computing apparatus, whether a benefit of the offer is applicable to the authorization request; and

in response to a determination that the benefit of the offer is applicable to the authorization request,

apply by the computing apparatus the benefit of the offer to the authorization request prior to providing an authorization response for the authorization request;

provide, from the gateway of the computing apparatus to the transaction terminal, the authorization response responsive to the authorization request, wherein the authorization response is configured to indicate the benefit of the offer applied to the authorization request; and

in response to the authorization request, transmit, by the transaction handler of the computing apparatus using the electronic payment processing network, a transaction message to the acquirer processor to credit funds to an account of the merchant.