| 摘要 |
A transaction handler receives, for forwarding to a sponsor account's issuer, a coupon authorization request message from a merchant's acquirer that identifies the sponsor account and a coupon for an item being purchased by a consumer in a transaction with the merchant. The issuer determines eligibility of the coupon for use by the consumer, and sends an authorization response message to the merchant via its acquirer and the transaction handler for the application of a corresponding discount for the item when the coupon is eligible. One or more coupon eligibilities for the purchase of the item by the consumer from the merchant can be derived from comparisons of the transaction to predetermined times, geographies, jurisdictions, sets of merchants, and/or the number of times that coupons have been used in other transactions. The transaction handler can further process the transaction for authorization the consumer's account to pay of the transaction. |
| 主权项 |
1. A method, comprising:
receiving, in a computing device including a transaction handler of a payment processing network and from a merchant, a first request message identifying a consumer account of a consumer and requesting authorization of a payment transaction between the consumer and the merchant for a purchase from the merchant; sending, from the computing device and to an issuer of the consumer account, a second request message requesting authorization of the payment transaction by the issuer of the consumer account; sending, from the computing device and to an issuer of a sponsor account of a benefit of an offer, a third request message requesting authorization of the benefit of the offer to be used with the purchase from the merchant; receiving, in the computing device and from the issuer of the sponsor account as a response to the third request message to the issuer of the sponsor account, a first response message authorizing the benefit of the offer to be used with the purchase from the merchant; receiving, in the computing device and from the issuer of the consumer account as a response to the second request message to the issuer of the consumer account, a second response message authorizing the payment transaction in the consumer account for the purchase with which the benefit of the offer is to be used; and communicating, from the computing device, authorization data to the merchant for the purchase, in accordance with the first response message authorizing the benefit of the offer to be used with the purchase from the merchant and the second response message authorizing the payment transaction in the consumer account for the purchase with which the benefit of the offer is to be used. |
