| 主权项 |
1. A computer-implemented method to maintain incentive programs on proxy card payment processing systems, comprising:
associating, using one or more computing devices, a user proxy card account with a user; associating, using the one or more computing devices, the proxy card account with a plurality of financial accounts that can be selected for funding financial transactions; associating, using one or more computing devices, a merchant account with a merchant, the merchant account comprising an incentive program comprising a set of rules for obtaining an incentive in connection with a purchase transaction; associating, using one or more computing devices, the user proxy card account with the incentive program; receiving, using one or more computing devices, a payment authorization request comprising transaction data from a merchant computing device operated by the merchant, the transaction data comprising an identification of the user proxy card account for funding of the transaction and information for at least one item involved in a purchase transaction with the merchant; accessing, using the one or more computing devices, the user proxy card account based on the identification of the user proxy card account received in the transaction data; determining, using the one or more computing devices, that the user proxy card account is associated with the merchant's incentive program based at least in part on the association between the user proxy card account and the incentive program; determining, using one or more computing devices, whether the item information in the transaction data meets at least one rule in the set of rules for obtaining the incentive, in response to determining that the user proxy card account is associated with the merchant's incentive program; when the item information in the transaction data meets at least one rule in the set of rules for obtaining the incentive, applying, using the one or more computing devices, the incentive to the user proxy account associated with the merchant's incentive program; and communicating, using the one or more computing devices, a notification of the applied incentive to a user associated with the user proxy card account. |
