SYSTEMS AND METHODS FOR PROCESSING COUPONS OVER A PAYMENT PROCESSING NETWORK

摘要

A system of electronically requesting, generating and processing a coupon over a payment processing network is provided. During a sales transaction, a purchaser at a point of sale (POS) terminal provides a customer identifier using a card with a magnetic stripe which is read by a magnetic card reader and then transmitted across the payment processing network along with product identifiers on the products being purchased. The customer identifier includes a banking identification number (BIN) which is read by a first server in the payment processing network and then forwarded to a coupon server. The coupon server uses the customer identifier and product identifier to select any coupons that are available for use by the purchaser and transmits the coupons back to the POS terminal, where the coupons are applied to the sales transaction.

主权项

1. A method of electronic processing of a coupon via a point-of-sale terminal, the method comprising:
obtaining a product identifier of at least one product, wherein obtaining the product identifier comprises at least one of:
receiving scanned data from a product; andreceiving input data; identifying a price associated with the product; obtaining a customer identifier, wherein the customer identifier comprises a routing portion and an identification portion, wherein the routing portion uniquely identifies an intended coupon source, and wherein the identification portion uniquely identifies an account associated with the customer; generating a communication comprising the product identifier and the customer identifier; identifying a first communication channel; transmitting the communication via the first communication channel; receiving a response via the first communication channel, wherein the response identifies one of:
a coupon;a coupon code;a discount;a refund; andno discount; generating a payment amount for the purchase of the product by applying the response to the identified price, wherein the payment amount is based on the identified price and the received response; and providing payment information via the first channel, wherein the payment information identifies a financial service provider and an account associated with the customer and the financial service provider.