METHOD AND APPARATUS FOR PROCESSING CREDIT CARD TRANSACTIONS
First Claim
Patent Images
1. An apparatus comprising:
- a processor; and
a storage device in communication with the processor, the storage device storing instructions that when executed by the processor direct the processor to;
receive a request for authorization of a purchase amount, the purchase amount to be paid from a financial account of the customer;
determine an offer based on the received request;
transmit an authorization of the purchase amount;
transmit the offer for output to the customer on a record of charge;
receive an acceptance of the offer by the customer; and
provide a benefit to the customer after receiving the acceptance,wherein the offer defines an obligation for the customer to fulfill in exchange for the benefit.
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0 Petitions
Accused Products
Abstract
Systems and methods are disclosed whereby credit and debit card transactions are processed at a merchant point-of-sale terminal in a manner that provides customers the opportunity to receive one or more charge enhancement offers which are presented to the customer on a record of charge.
36 Citations
6 Claims
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1. An apparatus comprising:
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a processor; and a storage device in communication with the processor, the storage device storing instructions that when executed by the processor direct the processor to; receive a request for authorization of a purchase amount, the purchase amount to be paid from a financial account of the customer; determine an offer based on the received request; transmit an authorization of the purchase amount; transmit the offer for output to the customer on a record of charge; receive an acceptance of the offer by the customer; and provide a benefit to the customer after receiving the acceptance, wherein the offer defines an obligation for the customer to fulfill in exchange for the benefit. - View Dependent Claims (2, 3, 4, 5, 6)
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Specification