The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Nov. 15, 2016
Filed:
Mar. 14, 2013
Visa International Service Association, San Francisco, CA (US);
Joseph Bjorn Ovick, San Francisco, CA (US);
Mark Carlson, Half Moon Bay, CA (US);
Ryan Hagey, Alameda, CA (US);
Margaret Reid, San Mateo, CA (US);
Patrick Stan, Pacifica, CA (US);
Patrick Wright, Mountain View, CA (US);
Krishna Prasad Koganti, Cupertino, CA (US);
Glenn Powell, Fremont, CA (US);
Phillip Lyle Kumnick, Phoenix, AZ (US);
VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US);
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.