Systems and methods to process transactions and offers via a gateway

• US 10,346,839 B2
• Filed: 10/19/2016
• Issued: 07/09/2019
• 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:
  US15/297,757
• Publication Number:
  US 20170039560A1
• Time in Patent Office: 993 Days
• Field of Search: None
• 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 system, comprising:

a transaction handler connected in an electronic payment processing network;

a gateway configured to communicate a transaction terminal using a communication channel outside the electronic payment processing network;

a data warehouse storing data identifying a benefit associated with a user account;

at least one microprocessor; and

memory storing instructions which when executed by the at least one microprocessor cause the computer system to;

receive, via the gateway using the communication channel outside the electronic payment processing network, an authorization request transmitted from the transaction terminal without going through an acquirer processor that is connected to the transaction terminal in the electronic payment processing network, wherein the authorization request requests authorization of a transaction between the user account and a merchant account controlled by the acquirer processor; and

in response to the authorization request,

identify the benefit applicable to the transaction requested in the authorization request;

apply the benefit to the transaction requested in the authorization request;

after the applying of the benefit to the transaction, transmit from the gateway to the transaction terminal via the communication channel outside the electronic payment network, an authorization response for the transaction having the benefit applied to; and

transmit, using the transaction handler via the electronic payment processing network to the acquirer processor, a transaction message responsive to the authorization request to credit funds of the transaction from the user account to the merchant account controlled by the acquirer processor,

wherein a communication protocol established for communication of data between the gateway and the transaction terminal is different from a communication protocol established for communication of data between the transaction terminal and the acquirer processor, and

wherein the authorization request and the authorization response are secured by transmitting data between the gateway and the transaction terminal across a plurality of communication channels established therebetween.

2. The computer system of claim 1, wherein the benefit includes a benefit of an offer.

3. The computer system of claim 1, wherein the benefit includes rewards.

4. The computer system of claim 1, wherein the benefit includes accumulated loyalty benefits.

5. The computer system of claim 1, wherein the benefit includes redemption of reward points.

6. The computer system of claim 1, wherein the benefit is controlled by a sponsor processor in the electronic payment processing network.

7. A computer implemented method, comprising:

providing a computer apparatus having;

a data warehouse storing data identifying a benefit associated with a user account;

a gateway coupled with the data warehouse;

a transaction handler connected in an electronic payment processing network and coupled with the gateway; and

memory storing instructions which when executed on the computing apparatus cause the computing apparatus to perform the method;

receiving, via the gateway using a communication channel outside the electronic payment processing network, an authorization request transmitted from a transaction terminal without going through an acquirer processor that is connected to the transaction terminal in the electronic payment processing network, wherein the authorization request requests authorization of a transaction between the user account and a merchant account controlled by the acquirer processor; and

in response to the authorization request,

identifying by the computing apparatus the benefit applicable to the transaction requested in the authorization request;

applying by the computing apparatus the benefit to the transaction requested in the authorization request;

after the applying of the benefit to the transaction, transmitting from the gateway to the transaction terminal via the communication channel outside the electronic payment network, an authorization response for the transaction having the benefit applied to; and

transmitting, using the transaction handler via the electronic payment processing network to the acquirer processor, a transaction message responsive to the authorization request to credit funds of the transaction from the user account to the merchant account controlled by the acquirer processor,

wherein a communication protocol established for communication of data between the gateway and the transaction terminal is different from a communication protocol established for communication of data between the transaction terminal and the acquirer processor, and

wherein the authorization request and the authorization response are secured by transmitting data between the gateway and the transaction terminal across a plurality of communication channels established therebetween.

8. The method of claim 7, wherein the benefit includes a benefit of an offer.

9. The method of claim 7, wherein the benefit includes rewards.

10. The method of claim 7, wherein the benefit includes accumulated loyalty benefits.

11. The method of claim 7, wherein the benefit includes redemption of reward points.

12. The method of claim 7, wherein the benefit is controlled by a sponsor processor in the electronic payment processing network.

13. The method of claim 7, 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, before transmitting the transaction message responsive to the authorization request.

14. The method of claim 7, further comprising:

communicating with the transaction terminal, in connection with transmitting the authorization response to the transaction terminal, to cause the transaction terminal to provide a user interface, wherein the user interface provides at least one option selected from;

a first option to suppress printing a paper receipt on the transaction terminal 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 printed on the transaction terminal 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.

15. The method of claim 7, wherein the authorization request transmitted from the transaction terminal to the gateway includes purchase details of the transaction.

16. The method of claim 15, wherein the purchase details identify items purchased via the transaction.

17. The method of claim 7, wherein the benefit reduces a first transaction amount requested in the authorization request received in the gateway to a second transaction amount identified in an authorization request transmitted in the electronic payment processing network from the transaction handler to an issuer processor of the user account.

18. The method of claim 17, further comprising:

communicating with the issuer processor, by the transaction handler via the electronic payment processing network, to obtain authorization of the second transaction amount; and

communicating with a sponsor processor, by the transaction handler via the electronic payment processing network, to obtain authorization of the benefit.

19. A non-transitory computer storage medium storing instructions which, when executed on a computing apparatus, causes the computing apparatus to perform a method, the method comprising:

storing in a data warehouse of the computing apparatus, data identifying a benefit associated with a user account, wherein the data warehouse is coupled with;

a transaction handler connected in an electronic payment processing network; and

a gateway configured to communicate with a transaction terminal using a communication channel outside the electronic payment processing network;

receiving, in the gateway using the communication channel outside the electronic payment processing network, an authorization request transmitted from the transaction terminal without going through an acquirer processor that is connected to the transaction terminal in the electronic payment processing network, wherein the authorization request requests authorization of a transaction between the user account and a merchant account controlled by the acquirer processor; and

in response to the authorization request,

identifying by the computing apparatus the benefit applicable to the transaction requested in the authorization request;

applying by the computing apparatus the benefit to the transaction requested in the authorization request;

after the applying of the benefit to the transaction, transmitting from the gateway to the transaction terminal via the communication channel outside the electronic payment network, an authorization response for the transaction having the benefit applied to; and

transmitting, using the transaction handler via the electronic payment processing network to the acquirer processor, a transaction message responsive to the authorization request to credit funds of the transaction from the user account to the merchant account controlled by the acquirer processor,

wherein a communication protocol established for communication of data between the gateway and the transaction terminal is different from a communication protocol established for communication of data between the transaction terminal and the acquirer processor, and

wherein the authorization request and the authorization response are secured by transmitting data between the gateway and the transaction terminal across a plurality of communication channels established therebetween.

20. The non-transitory computer storage medium of claim 19, wherein the benefit is controlled by a sponsor processor in the electronic payment processing network and includes one of:

a benefit of an offer;

rewards;

accumulated loyalty benefits; and

redemption of reward points.