Patent application number | Description | Published |
20130091000 | Systems and Methods to Provide Discount at Point of Sales Terminals - A system and method includes a transaction handler configured to modify the transaction amount, in the authorization request or the authorization response of a transaction, in accordance with an offer that is applicable to the transaction to apply the benefit of the offer to the transaction. | 04-11-2013 |
20130246150 | SYSTEMS AND METHODS TO APPLY THE BENEFIT OF OFFERS VIA A TRANSACTION HANDLER - 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. | 09-19-2013 |
20130246273 | SYSTEMS AND METHODS TO GENERATE A RECEIPT FOR A TRANSACTION - A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal. | 09-19-2013 |
20130254008 | SYSTEMS AND METHODS TO APPLY BENEFIT OF OFFERS - To automate the redemption of offer benefits, data associating offers and payment accounts is stored in the data warehouse of a first transaction handler. If a payment account to which an offer is associated is in the payment processing network of a second transaction handler separate from the first transaction handler, the system uses a payment processor that is in both the payment processing network of the first transaction handler and the payment processing network of the second transaction handler to communicate with the first transaction handler to detect the authorization request in the payment account that satisfies the benefit redemption requirements of the respective offer and apply the offer benefit to the transaction when the authorization request is detected. | 09-26-2013 |
20130268333 | SYSTEMS AND METHODS TO PROCESS TRANSACTIONS AND OFFERS VIA A GATEWAY - 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. | 10-10-2013 |
20130282461 | SYSTEMS AND METHODS TO USE TRANSACTION AUTHORIZATION COMMUNICATIONS TO PROCESS OFFERS - A system includes a transaction handler, a data warehouse storing data associating offers and consumer accounts, a transaction handler coupled with the data warehouse, and a transaction terminal configured to submit authorization requests to the transaction handler via an acquirer processor. After receiving account information identifying a consumer account for a payment transaction, the transaction terminal generates a first authorization request identifying the consumer account. The transaction handler identifies offer information relevant to the payment transaction and provides an authorization response containing the offer information, prior to communication with an issuer processor for the payment transaction. In response to the offer information provided in the authorization response, the transaction terminal modifies the first authorization request to generate a second authorization request, in response to which the transaction handler communicates with the issuer processor for the payment transaction. | 10-24-2013 |
20130282586 | SYSTEMS AND METHODS TO APPLY THE BENEFIT OF OFFERS VIA A TRANSACTION HANDLER - 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. | 10-24-2013 |
20140040051 | SYSTEMS AND METHODS TO ENHANCE SECURITY IN TRANSACTIONS - A system includes a digital camera coupled with or integrated within a transaction terminal to capture an image during authorization of a transaction initiated at the transaction terminal. The system further includes a portal configured to receive the image and transmit the image to a communication reference associated with the account information of an account in which the transaction is made, based on a security preference associated with the account information. The image may be optionally analyzed to detect fraudulent use of the account. | 02-06-2014 |
20140040135 | SYSTEMS AND METHODS TO DIGITALLY SIGN TRANSACTIONS - A computing apparatus is configured to collect data about the account presentation device used to initiate a transaction on a transaction terminal, data about the user using the account presentation device at the transaction terminal, and/or data about the details of the transaction. The computing apparatus combine the collected data to generate a code as a substitute of the signature of the user. | 02-06-2014 |
20140222533 | SYSTEMS AND METHODS TO USE TRANSACTION AUTHORIZATION COMMUNICATIONS TO PROCESS INDIVIDUALIZED OFFERS - An individualized price offer is associated with the account information of a user in a data warehouse coupled with a transaction handler of a payment processing network. If the individualized price offer is applicable for a pre-authorization of a purchase, information about the price offer is communicated to a transaction terminal via an authorization response for the pre-authorization. The transaction terminal is configured to adjust the published price in accordance with the information about the price offer such that the user is presented with an individualized price at the transaction terminal before the user starts receiving the product or service. After the purchase, the transaction terminal computes the transaction amount according to the individualized price and request clearing and settlement of the transaction according to the transaction amount computed according to the individualized price. | 08-07-2014 |
20150019435 | SYSTEMS AND METHODS TO GENERATE A RECEIPT FOR A TRANSACTION - A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal. | 01-15-2015 |