SYSTEMS AND METHODS TO PROCESS TRANSACTIONS AND OFFERS VIA A GATEWAY

摘要

A system, configured to integrate the processing of transactions and offers applicable to the transactions, includes: a data warehouse storing an offer in association with a financial payment account; a gateway configured to receive an authorization request that is transmitted from a transaction terminal without going through an acquirer processor, the gateway coupled with the data warehouse to determine whether the offer is applicable to the authorization request and if so, apply a benefit of the offer to the authorization request; and a transaction handler coupled with the gateway to process the authorization request submitted from the gateway, provide an authorization response corresponding to the authorization request, and communicate with the acquirer processor to credit funds according to the authorization request to a merchant account associated with the transaction terminal. Advertisement Data 135 User Specific Advertisement Profile 131 Selector 133 Transaction Profile Profiles 127 01 Selector 129 t Correlation Profile +-Result 12 Generator 12 User Data 125 User Specific Corlator Advertisem ent Transaction Account Data User Tracker Media Data 109 i11 113 Controller 115 Transaction Transaction Point of Handler 103 Terminal 105 Interaction 107 User