Real-time awards determinations

• US 7,665,660 B2
• Filed: 03/08/2007
• Issued: 02/23/2010
• Est. Priority Date: 03/08/2007
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Patterson, Barbara, Degliantoni, Lori, Shepard, David Chauncey
• Primary Examiner(s): Le; Thien M.
• Assistant Examiner(s): VO, TUYEN KIM
• Application Number:
  US11/683,866
• Publication Number:
  US 20080217397A1
• Time in Patent Office: 1,083 Days
• Field of Search: 235/380, 235/383, 235/375, 705/14
• US Class Current: 235/383
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising

Abstract

The present invention provides systems and methods for facilitating transactions with real-time awards determinations for a cardholder. Each transaction includes transaction information, where the transaction information includes: cardholder information, merchant information, and a transaction amount. An engine determines if an award should be granted based on award criteria, such that the engine compares the transaction information with each award criterion in order to determine if the award should be granted in real-time with the transaction by the cardholder.

Claims

1. In an electronic transaction processing system that includes a payment system operator processing a plurality of transactions each between a merchant and a consumer upon an account issued to the consumer by an issuer, and each being submitted by the merchant to an acquirer for processing by the payment system operator who requests the issuer to obtain payment for the transaction from the account and the issuer forwarding the payment to the acquirer to pay the merchant for the transaction, a computer implemented method comprising:

electronically receiving an authorization request for a purchase amount, requested by one said merchant, for one said transaction upon one said account of one said consumer;

electronically determining if the one said transaction is eligible for an award in a promotion by at least comparing data within the authorization request to at least one award criterion to find a match;

after a found match;

forming a first electronic transmission, for delivery to the issuer of the one said account, including;

the authorization request; and

data about the match;

electronically receiving an authorization response, responsive to said authorization request, authorizing the one said transaction for a discount amount, wherein at least one alternate source is responsible to pay a difference between the purchase amount and the discount amount;

forming a second electronic transmission with information for delivery to the one said merchant engaged in the one said transaction, including;

the received authorization response; and

data indicating that the difference will be paid by the at least one alternate source; and

electronically facilitating, for the one said transaction, the transfer to the one said merchant of the payment of the discount amount from the one said account.

2. The computer implemented method of claim 1, wherein the at least one award criterion includes a range of card numbers.

3. The computer implemented method of claim 1, wherein the at least one award criterion includes a merchant identification number.

4. The computer implemented method of claim 1, wherein the at least one award criterion includes a minimum purchase amount.

5. The computer implemented method of claim 1, wherein each of the:

electrically receiving the authorization request;

electrically determining;

forming the first electronic transmission;

electronically receiving the authorization response;

forming the second electronic transmission; and

electronically facilitating is performed by any one selected from the group consisting of the acquirer and the payment system operator.

6. The computer implemented method of claim 1, further comprising electronically encoding the award in the promotion within the first electronic transmission.

7. The computer implemented method of claim 6, wherein the award in the promotion includes data defining a promotion type.

8. The computer implemented method of claim 6, wherein the award in the promotion includes data defining a promotion code.

9. The computer implemented method of claim 6, wherein the award in the promotion includes data defining promotion related text.

10. The computer implemented method of claim 6, wherein the electronically encoding is performed by the acquirer for the one said merchant.

11. The computer implemented method of claim 6, wherein the electronically encoding is performed by the payment system operator.

12. The computer implemented method of claim 1, further comprising electronically encoding the award in the promotion within the second electronic transmission.

13. The computer implemented method of claim 12, wherein the award in the promotion includes data defining a promotion type.

14. The computer implemented method of claim 12, wherein the award in the promotion includes data defining a promotion code.

15. The computer implemented method of claim 12, wherein the award in the promotion includes data defining promotion related text.

16. The computer implemented method of claim 12, wherein the electronically encoding operation is performed by the payment system operator.

17. In an electronic transaction system that includes a payment system operator processing a transaction between a merchant and a consumer upon an account, a computer implemented method comprising:

electronically receiving an authorization request of a merchant for the transaction of a purchase amount upon the account; and

if the consumer engaged in the transaction is electronically determined to be eligible to receive an award, forming an electronic transmission having information for delivery to the merchant that includes;

an authorization of a discounted purchase amount for the transaction upon the account; and

data indicating that a portion of a difference between the purchase amount and the discounted purchase amount will be funded by an alternate source.

18. The computer implemented method of claim 17, wherein the alternate source:

funds the portion of a difference between the purchase amount and the discounted purchase amount; and

is selected from the group consisting of;

the merchant, an issuer of the account, a third party, and a combination thereof.

19. The computer implemented method of claim 17, wherein the electronic transmission is an authorization response that is responsive to the authorization request.

20. The computer implemented method of claim 17, further comprising:

forming a second electronic transmission, for delivery to an issuer of the account, including the authorization request that has been modified to be for the discounted purchase amount; and

electronically receiving an authorization response, responsive to the modified said authorization request, authorizing the transaction as payable upon the account for the discounted purchase amount.

21. An apparatus comprising a computer readable medium including stored instructions executable by a computing device to:

electronically receive an authorization request of a merchant for a transaction of a purchase amount upon an account of a consumer;

if the transaction is determined to be eligible for an award, form an electronic transmission having information for delivery to the merchant that includes;

an authorization response authorizing the eligible said transaction for a discount amount that is less than the purchase amount; and

data indicating that a difference between the purchase amount and the discount amount will be funded by an alternate source.

22. The apparatus of claim 21, wherein the computer readable medium further comprises stored instructions executable by the computer device to:

form a second electronic transmission, for delivery to an issuer of the account, including the authorization request that has been modified to be for the discount amount; and

electronically receive an authorization response, responsive to said authorization request, authorizing the transaction as payable upon the account for the discount amount.

23. The apparatus of claim 21, wherein the alternate source is selected from the group consisting of:

the merchant, an issuer of the account, a third party, and a combination thereof.