13-06-2013 дата публикации
Номер: US20130151323A1
A computing apparatus is configured to receive, from a transaction handler of a payment network, an authorization request for a payment transaction. The authorization request identifies a full transaction amount, as well as information identifying the merchant and the cardholder involved in the transaction. The computing apparatus is configured to determine the cardholder's eligibility to receive a reward based on information provided in the authorization request, as well as offer information stored in association with the account information of the cardholder. When the cardholder is eligible for a reward, the computing apparatus deducts a reward amount from the transaction amount to authorize a partial amount for the transaction and provides a partial authorization response for the payment transaction. The partial authorization response may optionally include a description of the offer, the reward and/or an identifier of the offer. 1. A computer-implemented method , comprising:receiving, in a computing apparatus under control of an issuer of an account, an authorization request from a transaction handler of a payment network for a payment transaction between a cardholder of the account and a merchant, the authorization request identifying a first transaction amount and including account information configured to identify the account among a plurality of accounts issued by the issuer; during the processing of the authorization request,', 'identifying, by the computing apparatus, an offer based on data stored in the computing apparatus, the data associating the offer with the account information,', 'determining, by the computing apparatus, that the payment transaction is eligible for a benefit reward in accordance with the offer,', 'determining, by the computing apparatus, a second transaction amount via applying the benefit reward to the first transaction amount, and', 'generating, by the computing apparatus, an authorization response to the authorization request, ...
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