Visa International Service Association

Visa U.s.a. Inc.

Alfred William Griggs

John F Sheets

Kevin D Weller

Lori D Van Deloo

Luba Goldberg

Brian Byrne

Andre Walter Machicao

Fred Liu

Marc Batchan

Kevin Yuann

Kevin Paul Siegel

Edward Winfield Fordyce, Iii

Michelle Eng Winters

Leigh Amaro

Diane C Salmon

Laura DiGioacchino

Kaushik Kaushi Subramanian

James Alan VonDerheide

Embodiments of the invention directed to systems and methods that allow for determining a transaction initiation mode used to conduct a transaction and applying a specific set of rules associated with the transaction initiation mode to the transaction. A transaction authorization request message is received at a server computer. The transaction authorization message is for a transaction between a consumer and a merchant and includes a plurality of data elements. The server computer determines a transaction initiation mode, from among at least three different transaction initiation modes, used to conduct the transaction based at least in part on the data elements. The server computer applies a specific set of rules associated with the transaction initiation mode to the transaction.

Transaction initiation determination system utilizing transaction data elements

Systems and methods are described that allow for determining a transaction initiation mode used to conduct a transaction and applying a specific set of rules associated with the transaction initiation mode to the transaction. A transaction authorization request message is received at a server computer. The transaction authorization message is for a transaction between a consumer and a merchant and includes a plurality of data elements. The server computer determines a transaction initiation mode, from among at least three different transaction initiation modes, used to conduct the transaction based at least in part on the data elements. The server computer applies a specific set of rules associated with the transaction initiation mode to the transaction.

In one aspect, a computing apparatus includes: a data warehouse to store data associating a plurality of account identifiers with an offer having a predefined purchase requirement and an aggregated purchase requirement for a benefit; and a transaction handler configured to process a plurality of transactions. The transaction handler is further configured to determine whether each of the plurality of transactions satisfies a predefined purchase requirement, identify a set of transactions each satisfying the predefined purchase requirement, and determine whether the set of transactions satisfies an aggregated purchase requirement for the benefit. In one example, the transaction handler is configured to provide the benefit via statement credits when the set of transactions satisfies the aggregated purchase requirement.

Systems and methods to aggregate demand

Growing community of inventors

Menlo Park, CA, United States of America

Alfred William Griggs