Systems and Methods to Apply the Benefit of Offers via a Transaction Handler

摘要

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.

主权项

1. A method implemented in a computing apparatus having at least one processor and memory storing instructions which, when executed by the at least one processor, cause the computing apparatus to perform the method, comprising:
storing, in a data warehouse of the computing apparatus,
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; detecting, by a transaction handler of the computing apparatus using the trigger record during processing of payment transactions in an electronic payment processing network, an authorization request for a first transaction from a transaction terminal, based on a determination that the first transaction satisfies the first set of conditions specified in the trigger record, wherein:
the authorization request identifies the account; andthe transaction handler is 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 interconnecting the first computers and the second computers; in response to the authorization request being detected via the trigger record:
identifying the offer based on the trigger record;determining whether the second set of conditions is satisfied in view of the first transaction requested by the authorization request; andin response to a determination that the second set of conditions is satisfied,
processing by the transaction handler the authorization request by:
communicating with a sponsor processor of the benefit for authorization of the benefit to obtain a first authorization response from the sponsor processor,communicating with an issuer processor of the account for authorization in the account to obtain a second authorization response from the issuer processor,combining the first authorization response from the sponsor processor and the second authorization response from the issuer processor to generate a third authorization response; andtransmitting the third authorization response to the transaction terminal as a response to the authorization request detected via the trigger record; andtransmitting 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.