| 主权项 |
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; andsecond data associating an offer with the account, the second data including:a trigger record identifying the offer and a first set of conditions; anda 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; andthe 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; andtransmit 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. |
