Systems and methods to process transactions and offers via a gateway

US10346839B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Joseph Bjorn Ovick · San Francisco, US
• Mark Carlson · Rue de l'Église, US
• Ryan Hagey · Alameda, US
• Margaret Reid · San Mateo, US
• Patrick Stan · Pacifica, US
• Patrick Wright · Mountain View, US
• Krishna Prasad Koganti · Cupertino, US
• Glenn Powell · Fremont, US
• Phillip Kumnick · Phoenix, US

Key dates

• Filing date: Oct 19, 2016
• Grant date: Jul 9, 2019
• Expiry date: Aug 16, 2037

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0269
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

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.