METHODS AND SYSTEMS FOR PERFORMING THIRD PARTY TRANSACTIONS

摘要

Methods and systems of performing multi-party transactions through a single authorization and multiple settlements is disclosed. The transaction involves a consumer entering into primary and secondary transactions as a single transaction for a merchant's and third party's products, wherein the third party products are not located at the merchant's establishment. Additionally, third party merchant offers may be filtered depending on information pertaining to the consumer.

主权项

1. A system for performing a transaction, comprising:
a transaction terminal configured to access at least one of a merchant data database and a financial data database during a user transaction; a selecting authority in communication with the transaction terminal, the selecting authority including a memory and a processor, the processor configured to offer a consumer a primary transaction and select a secondary transaction offer about a secondary transaction to be presented to the consumer; an authorizing authority in communication with the transaction terminal and the selecting authority, the authorizing authority including a processor configured to perform the following:
receive from the transaction terminal information about the primary transaction involving a merchant and receive information from the transaction terminal about the secondary transaction involving a third party merchant;authorize the primary transaction and the secondary transaction using the information from the transaction terminal; andautomatically transfer payment to both the merchant and the third party merchant upon completion of the user transaction.