Systems and methods to apply the benefit of offers via a transaction handler

Patent metadata

Field	Value
Publication number	US-9460436-B2
Application number	US-201313804435-A
Country	US
Kind code	B2
Filing date	Mar 14, 2013
Priority date	Mar 16, 2012
Publication date	Oct 4, 2016
Grant date	Oct 4, 2016

Abstract

A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configured to provide the benefit of offers to applicable transactions. A portal is configured to notify the account holder of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant.

First claim

What is claimed is:

1. A computing apparatus having at least one processor and memory storing instructions configured to instruct the at least one processor to perform operations, the computing apparatus comprising:
a data warehouse configured to store
first data associating a communication reference with an account of a user; and
second data associating an offer with the account, the second data including:
a trigger record identifying the offer and a first set of conditions; and
a second set of conditions which when satisfied by a transaction render the transaction eligible to a benefit of the offer,

a transaction handler configured in an electronic payment processing network connecting separate computers, including
transaction terminals configured to initiate transactions of payments in the electronic payment processing network using account information identifying consumer accounts;
first computers controlling the consumer accounts from which the payments are made in the electronic payment processing network;
second computers controlling merchant accounts into which the payments are provided in the electronic payment processing network; and
the transaction handler configured to use the trigger record to detect, during processing of payment transactions in the electronic payment processing network, an authorization request for a first transaction from a transaction terminal when the first transaction satisfies the first set of conditions specified in the trigger record, wherein the authorization request identifies the account and wherein in response to the authorization request being detected via the trigger record, the computing apparatus identifies the offer based on the trigger record and
determines whether the second set of conditions is satisfied in view of the first transaction requested by the authorization request, wherein if the second set of conditions is satisfied, the transaction handler is further configured to, in response to the authorization request:
communicate with a sponsor processor of the benefit for authorization of the benefit to obtain a first authorization response from the sponsor processor,
communicate with an issuer processor of the account for authorization in the account to obtain a second authorization response from the issuer processor,
combine the first authorization response from the sponsor processor and the second authorization response from the issuer processor to generate a third authorization response; and
transmit the third authorization response to the transaction terminal as a response to the authorization request detected via the trigger record; and

a portal configured to transmit a notification to a user device identified by the communication reference about application of the offer to the first transaction, concurrently with transmission of the third authorization response.

2. The computing apparatus of claim 1 , wherein the notification is transmitted to the communication reference when the third authorization response approves the first transaction.

3. The computing apparatus of claim 2 , wherein the authorization request is a third authorization request; to communicate with the sponsor processor the transaction handler generates a first authorization request to the sponsor processor; to communicate with the issuer processor the transaction handler generates a second authorization request to the issuer processor; and a transaction amount in the third authorization request is equal to a sum of a transaction amount in the first authorization request and a transaction amount in the second authorization request.

4. The computing apparatus of claim 3 , wherein the third authorization response is generated to approve the first transaction if the first authorization response approves the first authorization request and the second authorization response approves the second authorization request; and the third authorization response is generated to reject the first transaction if the first authorization response rejects the first authorization request or the second authorization response rejects the second authorization request.

5. The computing apparatus of claim 3 , wherein the transaction handler is configured to concurrently transmit the first authorization request and the second authorization request.

6. The computing apparatus of claim 1 , wherein the authorization request is received from an acquirer processor and the third authorization response is transmitted to the acquirer processor as a response to the authorization request; and the authorization request identifies the account as a single source of payment for the transaction.

7. The computing apparatus of claim 6 , wherein the authorization request is a third authorization request; in communication with the sponsor processor for authorization of the benefit the transaction handler transmits to the sponsor processor a first authorization request identifying the benefit to receive the first authorization response; and in communication with the issuer processor for authorization in the account the transaction handler transmits to the issuer processor a second authorization request identifying a second transaction amount in the account to receive the second authorization response.

8. The computing apparatus of claim 7 , wherein the third authorization request identifies a third transaction amount in the account; and the transaction handler determines the second transaction amount by reducing the third transaction amount according to the benefit of the offer.

9. The computing apparatus of claim 8 , wherein the transaction handler generates the third authorization response:
approving the transaction when the first authorization response approves the benefit and the second authorization response approves the second transaction amount in the account; and
rejecting the transaction when the first authorization response rejects the benefit or the second authorization response rejects the second transaction amount in the account.

10. The computing apparatus of claim 9 , wherein in response to the determination that the benefit of the offer is applicable to the transaction, the transaction handler further communicates with a further sponsor processor for authorization of a further benefit of the offer; the third authorization response is generated further based on a further authorization response from the further sponsor processor.

11. The computing apparatus of claim 10 , wherein the transaction handler communicates concurrently with the sponsor processor for authorization of the benefit, with the issuer processor of the account for authorization in the account, and with the further sponsor processor for authorization of the further benefit.

12. The computing apparatus of claim 1 , wherein a transaction amount approved in the third authorization response is equal to the sum of a transaction amount approved in the first authorization response and a transaction amount approved in the second authorization response.

13. The computing apparatus of claim 12 , wherein the transaction handler interconnects issuer processors and acquirer processors in the electronic payment processing network; and the transaction handler communicates with the sponsor processor and the issuer processor in the electronic payment processing network.

14. The computing apparatus of claim 1 , wherein the notification identifies a reduction in transaction amount in the account, reduced in accordance with the offer.

15. The computing apparatus of claim 14 , wherein the authorization request is received from an acquirer processor; and the notificati

Assignees

• Visa Int Service Ass

Inventors

• Ovick Joseph Bjorn
• Carlson Mark
• Hagey Ryan
• Reid Margaret
• Stan Patrick
• Wright Patrick
• Koganti Krishna Prasad
• Powell Glenn
• Kumnick Phillip Lyle

Classifications

• G06Q20/12

  specially adapted for electronic shopping systems · CPC title

• G06Q20/3221

  Access to banking information through M-devices · CPC title

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q20/40 Primary

  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 title

• G06Q20/405

  Establishing or using transaction specific rules · CPC title