| 摘要 |
A method for processing a discount for an off-peak transaction includes: receiving an off-peak offer, the offer including a merchant identifier, start time, end time, and transaction modifier; identifying an offer identifier; storing the offer with offer identifier; transmitting the stored offer; receiving a discount request, the request including a consumer identifier and offer identification; identifying a selected offer where the offer identifier matches the offer identification; receiving an authorization request including a consumer identification, merchant identification, transaction time, and transaction amount; calculating a new amount based on the transaction amount and the transaction modifier for the selected offer if the consumer identification matches the consumer identifier, the merchant identification matches the merchant identifier, and the transaction time is within the start and end times; and transmitting an authorization response for the new amount, where the response is for a final authorization rather than a partial authorization. |
| 主权项 |
1. A method for processing a discount for an off-peak transaction, comprising:
receiving, by a receiving device, at least one off-peak offer, wherein each off-peak offer includes at least a merchant identifier, a start time, an end time, and a transaction modifier; identifying, for each off-peak offer, an offer identifier; storing, in an offer database, the at least one off-peak offer, wherein each stored off-peak offer further includes the corresponding identified offer identifier; transmitting, by a transmitting device, at least one stored off-peak offer; receiving, by the receiving device, a discount request, wherein the discount request includes at least a consumer identifier and an offer identification; identifying, in the offer database, a selected off-peak offer, wherein the included offer identifier corresponds to the offer identification; receiving, by the receiving device, an authorization request for a financial transaction, wherein the authorization request includes at least a consumer identification, a merchant identification, a transaction time, and a transaction amount; calculating, by a processing device, a new transaction amount based on the transaction amount and the transaction modifier for the selected off-peak offer if the consumer identification corresponds to the received consumer identifier, if the merchant identification corresponds to the included merchant identifier, and if the transaction time is within the included start time and end time; and transmitting, by the transmitting device, an authorization response for the financial transaction, wherein the authorization response is for the new transaction amount, and wherein the authorization response is indicated as being a final authorization rather than a partial authorization. |
