Systems and methods to process transactions and offers via a gateway

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 ter...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: Powell, Glenn, Hagey, Ryan, Reid, Margaret, Koganti, Krishna Prasad, Stan, Patrick, Ovick, Joseph Bjorn, Carlson, Mark, Wright, Patrick, Kumnick, Phillip Lyle
Format: Patent
Sprache:eng
Schlagworte:
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
ELECTRIC DIGITAL DATA PROCESSING
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung: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.