Systems and methods to process transactions and of

专利名称：Systems and methods to process

transactions and offers via a gateway

发明人：Joseph Bjorn Ovick,Mark Carlson,Ryan

Hagey,Margaret Reid,Patrick Stan,PatrickWright,Krishna Prasad Koganti,GlennPowell,Phillip Lyle Kumnick

申请号：US13804463申请日：20130314公开号：US09495690B2公开日：20161115

专利附图：

摘要：A system, configured to integrate the processing of transactions and offersapplicable to the transactions, includes: a data warehouse storing an offer in associationwith a financial payment account; a gateway configured to receive an authorizationrequest that is transmitted from a transaction terminal without going through anacquirer processor, the gateway coupled with the data warehouse to determine whetherthe offer is applicable to the authorization request and if so, apply a benefit of the offerto the authorization request; and a transaction handler coupled with the gateway toprocess the authorization request submitted from the gateway, provide an authorizationresponse corresponding to the authorization request, and communicate with the acquirerprocessor to credit funds according to the authorization request to a merchant accountassociated with the transaction terminal.

申请人：Visa International Service Association

地址：San Francisco CA US

国籍：US

代理机构：Greenberg Traurig LLP

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