COMMUNICATION SYSTEMS AND METHODS TO TRANSMIT DATA AMONG A PLURALITY OF COMPUTING SYSTEMS IN PROCESSING BENEFIT REDEMPTION

摘要

Communication systems and methods to transmit data among a plurality of computing systems in processing benefit redemption, including a portal configured to communicate with transaction terminals, reward hosts and issues processors. In response to a reward balance inquiry from a transaction terminal, the portal communicates with a respective reward host to obtain the balance, communicates with an issuer processor to obtain a one-time use account number, and provides the transaction terminal with the balance and the account number. The transaction terminal an authorization request for a payment transaction made using the account number. In response to the authorization request being received in the issuer processor, the portal communicates with the issuer processor to identify the payment transaction and communicates with the reward host to perform a reward redemption to support the payment transaction. Merchant User ID Account 148 Authorization Acquirer Communication 517 Processor 147 TratnsctionOther Acquirer Transaction Account Number Processors 553 Terminal 105 509 Transaction Other Issuer Reward Account Handler 103 Processors 555 Balance 507 Number 509 Balance _ __ Response 505 Issuer Processor Account 145 Numbers 55 Reward Balance Inquiry 503 Reward Account Setup UserID Redemption Communication 515 551 Communication 519 Account Number 509 Data Warehouse 14_ Portal 1. Account14 *.e Number 509 Redemption I - Communication 521 Reward Account 525 Reward Balance Reward Reward Communication 511 P-Host 513 Account 525 User ID