COUPON BEARING SPONSOR ACCOUNT TRANSACTION AUTHORIZATION

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:
sending, from a computing device of a transaction handler of a payment processing network, an coupon authorization request message to an issuer of a sponsor account for a coupon to be used with a purchase from a merchant; receiving, in the computing device and in response to the coupon authorization request message, a coupon authorization response message from the issuer of the sponsor account; receiving, in the computing device and from the merchant, a consumer authorization request message identifying a consumer account for a payment transaction between the consumer and the merchant for the purchase; sending, from the computing device, a consumer authorization request message to an issuer of the consumer account for the payment transaction; receiving, in the computing device and in response to the consumer authorization request message to the issuer of the consumer account, a consumer authorization response message from the issuer of the consumer account; communicating, from the computing device, authorization data to the merchant for the purchase, in accordance with the consumer authorization response message and the coupon authorization response message.