Systems and methods to process transactions and offers via a gateway
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United States of America Patent
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Nov 15, 2016
Grant Date -
Oct 10, 2013
app pub date -
Mar 14, 2013
filing date -
Apr 4, 2012
priority date (Note) -
In Force
status (Latency Note)
Importance
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.
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