SYSTEMS AND METHODS TO USE TRANSACTION AUTHORIZATION COMMUNICATIONS TO PROCESS INDIVIDUALIZED OFFERS

摘要

An individualized price offer is associated with the account information of a user in a data warehouse coupled with a transaction handler of a payment processing network. If the individualized price offer is applicable for a pre-authorization of a purchase, information about the price offer is communicated to a transaction terminal via an authorization response for the pre-authorization. The transaction terminal is configured to adjust the published price in accordance with the information about the price offer such that the user is presented with an individualized price at the transaction terminal before the user starts receiving the product or service. After the purchase, the transaction terminal computes the transaction amount according to the individualized price and request clearing and settlement of the transaction according to the transaction amount computed according to the individualized price.

主权项

1. A computer-implemented method, comprising:
receiving, in a transaction terminal, account information identifying a consumer account for a payment transaction; generating, by the transaction terminal, an authorization request to an acquirer processor, the authorization request including the account information identifying the consumer account; receiving, in the transaction terminal, an authorization response from the acquirer processor for the authorization request, the authorization response including price information identified based on the consumer account identified in the authorization request; adjusting, by the transaction terminal, a published price at the transaction terminal according to the price information to present to a user an individualized price for the user; and determining, by the transaction terminal, a transaction amount for the payment transaction based on the individualized price.