Mastercard International Incorporated

Jonathan Robert Powell

Robert D Reany

Brad Michael Tomchek

Michael William Koch

Edward Cletus Seaver

A method for applying promotion codes to a payment transaction is provided. The method uses at least one input device in communication with a database. The payment transaction includes a purchase made by a cardholder using a payment card over a payment card network. The method includes storing promotion data within the database including at least one merchant participating in the payment card network, each promotional program offered by the at least one merchant to the cardholder, and promotion codes associated with each promotional program offered to the cardholder. The method further includes accessing the promotion data using the at least one input device, receiving a selected promotional program from the cardholder using the at least one input device, and automatically applying the promotion codes associated with the selected promotional program to the payment transaction.

Methods and systems for applying promotion codes to payment transactions

A method for applying promotion codes to a payment transaction using a computing device is provided. The computing device includes a promotion application in communication with a server. The payment transaction includes a purchase made by a cardholder using a payment card over a payment card network. The method includes providing, by the promotion application, promotion data to the computing device, wherein the promotion data includes a merchant participating in the payment card network, a promotion program offered by the merchant, and promotion codes associated with the promotion program. The method further includes displaying the at least one promotion program on the computing device, receiving a selection of the at least one promotion program from the cardholder using the computing device, and sending the promotion codes associated with the selected promotion program to the server for a payment transaction that corresponds to the selected promotion program.

Methods and systems for applying promotions to payment transactions

A method for applying promotion codes to a payment transaction using an input device in communication with a database is provided. The payment transaction includes a purchase made by a cardholder using a payment card over a payment card network. The method includes storing promotion data within the database including at least one promotional program having a qualifying number of rewards points for a rewards program, and storing rewards data within the database including a current number of rewards points accumulated by the cardholder. The method further includes providing access to the promotion data through the at least one input device including each promotional program having a qualifying number of rewards points that is less than the current number of rewards points for the cardholder, receiving a selected promotional program from the cardholder, and automatically applying the promotion codes associated with the selected promotional program to the payment transaction.

Methods and systems for applying a rewards program promotion to payment transactions

A computer-implemented method for processing a discount is described. The method is implemented using a payment processor computing device associated with a payment network. The method includes receiving, at the payment processor computing device, from a discount module computing device, a notification of an adjusted authorization amount for a transaction, wherein the notification is received by the discount module computing device from an intercept node computing device at the time a cardholder makes a purchase. The method also includes receiving, at the payment processor computing device, an authorization request message including a non-adjusted authorization amount for the transaction, replacing the non-adjusted authorization amount with the adjusted authorization amount in the authorization request message, and transmitting the authorization request message to an issuer computing device.

Method and system for processing a discount

A computer-based method for processing a payment transaction using an enhanced payment card is provided. The transaction is processed using a computer device coupled to a storage device. The enhanced payment card is issued to a cardholder by an issuer. The method includes receiving an authorization request message associated with a merchant. The authorization request message includes a card identifier and relating to a transaction initiated by the cardholder with the merchant using the enhanced payment card. The method includes transmitting an authorization response message to the merchant. The authorization response message is generated by the issuer and including an instructing message. The merchant is instructed, via the instructing message, to transmit to the computer device an addendum file including enhanced transaction data for the transaction.

Methods and systems for providing enhanced data for co-brand payment card transactions

A cardholder-initiated financial transaction using a cardholder controlled input device in communication with a payment card network and a database is disclosed. The cardholder uses a payment card issued to the cardholder by an issuer bank. An exemplary method includes the steps of storing merchant data within the database including data identifying the merchants registered to utilize the card network and receiving from the input device transaction data relating to the financial transaction. The transaction data includes an authorization request and merchant identifying data that identifies the merchant involved in the transaction. The method further includes determining that the identified merchant is registered to utilize the card network by comparing the transaction data with the merchant data stored in the database, forwarding the authorization request to the issuer bank, receiving a response to the request from the issuer bank, and automatically forwarding the response to the input device.

Methods and systems for cardholder initiated transactions

A method and system for processing a financial transaction using an enhanced payment card through a multi-party payment card interchange network are provided. An authorization request message generated at a point of sale (POS) device associated with a merchant is received at a computer associated with the interchange network. The authorization request message includes a card identifier and relates to a transaction initiated by the cardholder with the merchant using the enhanced payment card. The transaction is electronically identified as involving the enhanced payment card by matching the received card identifier to a list of card identifiers stored within a database. A product code identifying the transaction as an enhanced payment card transaction is electronically added to the authorization request message. The merchant is instructed to transmit to the interchange computer an addendum file including enhanced transaction data for the enhanced payment card transaction.

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Rye Brook, NY, United States of America

Jonathan Robert Powell