CN101517605A - 执行促销活动的方法和系统 - Google Patents
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Abstract
公开了一种使用促销活动和商户值的方法。在一个示例中,该方法包括通过支付处理网络接收包括商户验证值的授权请求消息,该授权请求消息与消费者的一次购买相关。随后使用商户验证值确定商户-特定的促销活动,并且执行商户-特定的促销活动。例如,促销活动可以是抽奖活动并且任务是确定该消费者是当场获奖者。
Description
对相关专利申请的交叉引用
无
发明背景
一些常规系统允许信用卡处理公司唯一地识别商户的类型。一旦识别出,可以为那些商户类型提供专门处理。这样的系统主要关注商户与发卡方、商户收单方或与两者的关系。这些关系的原本目的是为了适当的交换费而特征化一个交易。
“交换费”是由收单方为已经被处理的交易而向发卡方支付的一种费用。“交换”过程是商户收单方和卡发行者之间的与销售和信用数据相关的金融和非金融数据的标准电子交换。在当天全部金融交易完成后,交换过程通常在一天结束时发生。它是支付过程的清算和结算部分,与支付过程的授权部分相对。后面将详细描述支付过程的这两个部分。
由于不同类型的商户可以出售不同价格和数量的货物或服务,不同的交换费应当适用于不同的商户。在这种常规系统中,交易处理系统可以使用商户识别值来识别执行特定交易的商户的特定类型,并且为该交易分配恰当的交换费。例如,餐馆可享有比比汽车经销商低的交换费,因为与汽车经销商相比,餐馆通常会产生更多的信用卡和借记卡交易。可以为汽车经销商分配一个识别号,并且为餐馆分配另一个识别号。中央计算机可以使用识别号来识别与交易相关的商户的类型,这样可以为交易应用恰当的交换费。
他人已经描述过使用商户值来区分授权和非授权商户。例如,专利号为5,956,695的美国专利公开了在借记卡奖励兑换过程的授权过程中使用商户识别值。在兑换过程中,参与者可以在特定商户处使用借记卡兑换点数并且使用那些点数进行交易。在该特定商户处,可以将带有授权请求消息的商户识别值发送给过滤处理器。过滤处理器可以随后使用商户识别值来确定该商户是否是已授权商户(即参与奖励兑换活动的商户)。上述过程是作为欺诈预防和验证措施而进行的。
尽管在信用卡行业中已经使用并且描述了商户识别值,但并没有将它们与特定商户和特定消费者结合使用。它们同样没有用于在销售时向消费者提供即时的反馈。
因此期盼提供一种可以鼓励使用便携消费设备例如信用卡或借记卡的改进的系统和方法。
发明内容
本发明的实施例涉及可以在促销活动中使用商户验证值(MVV)的方法和系统。这样的促销活动可以包括用于鼓励消费者使用电子支付方式的奖励活动、比赛等。本发明的其它实施例涉及可以通过在电子支付交易中使用授权过程来执行诸如比赛等促销活动的方法和系统。
本发明的一个实施例涉及一种方法,其包括:通过支付处理网络接收包含商户验证值的授权请求消息,其中授权请求消息与消费者的一次购买相关;使用商户验证值确定商户-特定的促销活动;并且在接受授权请求消息后执行已确定的商户的特定促销活动。
本发明的另一个实施例涉及一种计算机可读介质,其包括:用于通过支付处理网络接收包括商户验证值的授权请求消息的代码,其中授权请求消息与消费者的一次购买相关;用于使用商户验证值确定商户-特定的促销活动的代码;以及用于在接收授权请求消息后,执行已确定的商户的特定的促销活动的代码。
本发明的另一个实施例涉及一种方法,该方法包括:接收授权请求消息,其中授权请求消息与消费者的一次购买相关;在接收授权请求消息之后,确定消费者在比赛中是否是获奖者;并且如果消费者是获奖者,向消费者发送响应消息,其中响应消息包括指明消费者是获奖者的指示。
本发明的另一个实施例涉及一种计算机可读介质,其包括:用于接收授权请求消息的代码,其中授权请求消息与消费者的一次购买相关;用于接收授权请求消息之后,确定消费者在比赛中是否是获奖者的代码;以及如果消费者是获奖者,用于向消费者发送响应消息的代码,其中响应消息包括指明消费者是获奖者的指示。
下面将详细描述本发明的这些和其它实施例。
附图说明
图1示出一个包括收单方、发卡方、和交易处理系统的系统的框图。
图2示出一个根据本发明一个实施例的方法的流程图。
图3示出一个信用卡收据的示例,该收据印有指明消费者是获奖者的指示。
图4示出一个能在本发明的一个实施例中使用的交换过程的流程图。
具体实施方式
本发明的实施例涉及在商户-特定的促销活动中使用商户验证值。在一些实施方式中,在用于对电子支付交易授权的过程中,使用商户验证值确定商户特定活动。一旦确定活动,则执行该活动并且在销售点向消费者提供特定反馈。例如,消费者可以使用便携消费设备在特定商户购买货物或服务。如果便携消费设备是信用卡,则消费者可以在卡终端刷信用卡消费。随后消费者可以收到关于在该商户参加的特定促销活动中获得了什么点数或奖励的即时反馈。例如,在卡片终端,消费者可以接收到带有授权响应消息的信用卡收据。信用卡收据可以具有关于消费者由于该购买可以获得什么点数或奖励的信息。
在本发明的实施例中,在消费者使用诸如信用卡或借记卡等便携消费设备在销售点购买货物或服务后,将创建授权请求消息。可以从商户处的POS终端发送给商户的收单方、支付处理系统并且随后发送给发卡方该授权请求消息。“授权请求消息”可以包括对授权进行电子支付交易的请求。它可以包括帐户持有人的支付账户号、货币代码、销售额、商户交易戳、接收方城市、接收方州/国家等。可以使用安全加密方法例如128-位SSL或其等效方法保护授权请求消息从而防止数据受到损害。
通常,如果进行交易的消费者具有足够的资金或信用来进行交易则该电子支付交易将被授权。相反地,如果在消费者的账户中没有足够的资金或信用,或者如果消费者的便携消费设备在黑名单中(例如指示该卡被盗),则电子支付交易不能被授权。
“收单方”通常是指一个与特定商户有商业关系的商业实体,例如商业银行。“发卡方”通常是指向消费者发行便携消费设备例如信用卡或借记卡的商业实体(例如银行)。一些实体例如美国运通同时承担发卡方和收单方的职能。本发明的实施例包含这样的单一实体的发卡方-收单方。
授权请求消息包括对每个特定商户而言唯一的商户验证值(MVV)。商户验证值可以是区分特定商户的数字值或者其它值。其可以用于在多个促销活动中确认参与的商户。
商户验证值可以是任何合适的形式。例如,示例性的商户验证值的格式特征可以是下面这样的:
●位置1-6为字母数字(十六进制0-9,A-F)-由例如信用卡处理实体(例如Visa)的实体注册和分配的值
●位置7-10为字母数字(十六进制0-9,A-F)-为了唯一识别特定场所而定义与商户相关的值
如前面所述,本发明的实施例中的商户验证值可以用在授权过程和/或清算过程中。在本发明的实施例中,可以使用商户配置文件。可以利用该文件,验证带有商户验证值的交易的有效值和处理属性。商户配置文件可以存储在例如由支付处理系统或发卡方可以访问的数据库中。商户配置文件中的处理属性可以定义特定商户处理。特别代码可以用于确定与实体例如商户和/或发卡方相关的特定促销活动。
商户验证值的独特特性是无论商户与其各种收单方的处理关系如何,商户验证值对于该商户而言是共同的。商户可以有很多场所,各个场所可以使用不同的收单方或者收单方处理器。这些实体可以使用单一的商户验证值来确认任何唯一的处理。前面提到,商户使用终端识别值对其特定的收单方处理器可被唯一认出,但是在支付链中并不能被唯一认出。此外,由于在本发明的实施例中可通过数字识别商户,所以可以在不同的促销活动中使用商户验证值。商户验证值也不需要在实时进行中保持。可以为全部终端场所使用相同的基础值,因为它不像终端识别值那样变化。
本发明的实施例中的“商户”可以具有任何恰当的特性。商户可以包括实体例如公司、独资企业、非赢利性组织或者由这种实体组成的特别组合。由多个实体组成的特别组合可以是合作成立和/或运营促销活动的两个合作组织(例如两个公司)。例如,快餐馆和电影院可以成立和/或运营对两者生意都有益的促销活动。商户还可以在多个地理场所有一个或多个零售场所。使用商户验证值,可以为商户的消费者执行该特定商户的特定促销活动,即使该商户可能在整个国家或整个世界具有大量不同的零售场所,以及即使商户允许通过物理零售场所和/或因特网购买。商户的示例包括杂货商、服装零售商、汽车经销商、百货公司等。
在接收到包含商户专用值的验证请求消息后(例如由支付处理系统或发卡方接收),随后使用商户验证值确定商户-特定的促销活动。商户-特定的促销活动可以具有任何恰当的特性。商户-特定的促销活动的示例包括奖励活动、奖金独赢、针对特定目标的广告活动、点数、比赛等。活动可以应用于由商户进行的一些或全部交易。例如,活动可以为在商户场所中的一些或者全部今后的购买中,向消费者提供折扣。在一些实施方式中,该活动也可以适用于商户场所的全部或其中的一部分。这样,该活动的范围可以是全国性的或区域性的。
一旦被确定,就实施商户-特定的促销活动。接收授权请求消息和执行促销活动可以由任何实体和/或支付系统中的计算装置实施。例如,收单方、发卡方、和/或支付处理系统可以接收授权请求消息和/或执行促销活动。在一些实施方式中,可由收单方、发卡方或支付处理系统访问的促销引擎使用合适的计算机程序执行促销活动。
可以结合商户-特定的活动来执行任何恰当的任务。特定任务可以涉及促销活动。例如,任务可以包括确定将要向消费者提供哪种类型(如果有的话)的奖励或奖品,针对任何奖励或奖品更新消费者帐户记录,和/或将授权响应消息发送回POS终端。“授权响应消息”包括一包含与电子支付交易是否被授权的信息。授权响应消息可以包括关于当前购买之后消费者可以获得什么奖励、该消费者是否是当场的获奖者、由于该次购买消费者将获得多少点等信息。
作为说明,促销活动可以是由例如GapTM等全国性服装零售商运作或发启的当场抽奖活动。该抽奖活动可以为从零售商购买货物的消费者提供$1000美元的奖励。随机选择获奖者并且获奖的机率例如是1000000分之1。支付处理系统中的中央计算机可以接收来自整个国家的服装零售商的不同分支以及其它商户的授权请求消息。中央计算机使用零售商的商户验证值来识别来自服装零售商的授权请求消息。每当接收到服装零售商的授权请求消息时,中央计算机都会访问促销引擎,并且确定源自该授权请求消息的消费者是否是获奖者。随后由支付处理系统在授权响应消息中发送涉及该消费者是否是获奖者的决定,其间,该消息经过收单方、商户并到达POS终端。在POS终端,消费者可以被通知他或她是否是获奖者。例如,在POS终端可以为消费者打印信用卡或借记卡收据。该收据可以印有例如“再试一次”或者“获奖者”的消息。
如前面提到的,在支付过程的授权部分使用商户验证值。还可以在支付过程的清算和结算部分使用商户验证值(如同下面将描述的)。作为背景技术,电子支付可以被分成两部分:授权过程,以及清算和结算过程。当消费者在销售点购买货物或服务时,授权过程以基本实时的形式出现(例如在几秒钟内,例如小于10秒),而清算和结算过程较晚才出现。在授权过程中,支付处理系统检查消费者账户中的信用或资金的消费者额度,并且将该信息转送回商户,以便通知商户和消费者该消费者是否具有足够的信用或资金进行所期望的交易。在清算和结算过程中,支付处理系统合并不同收单方和发卡方之间的各种交易并且在它们之间结算账户。在清算和结算过程中,实际的资金可以被转移。该过程通常在消费者购买当天之后的两到三天完成。随后根据消费者账户的定期报表中的记录,消费者将为该购买而付帐。
图1示出了可在本发明的实施例中使用的系统20。该系统20包括商户场所22(a)、22(b)和与这些商户场所22(a)、22(b)相关的收单方24(a)、24(b)。不同的商户场所22(a)、22(b)可以附属于同一个商户。消费者30可以在商户场所22(a)、22(b)使用便携消费设备32购买货物或服务。收单方24(a)、24(b)可以通过支付处理系统26与发卡方28通信。支付处理系统26可以与促销引擎30和交换引擎32通信。
根据本发明实施例,便携消费设备32可以是任何适当的形式。例如,便携消费设备可以是手持式并且紧凑的,这样它们适于被放入消费者的钱包和/或口袋中(例如口袋大小的)。例如,便携消费设备可以包括智能卡、普通信用卡或借记卡(带有磁条并且不带有微处理器)、钥匙链设备(例如从埃克森美孚公司处可购买到的SpeedpassTM)等。便携消费设备的其它例子包括蜂窝电话、个人数字助理(PDA)、寻呼机、支付卡、安全卡、访问卡、智能媒体、无线电发射机应答器以及类似设备。便携消费设备32还可以是借记设备(例如借记卡)、信用设备(例如信用卡),或者储值设备(例如储值卡)。
支付处理系统26可以包括用于支持和传送授权服务、免责文件服务和清算及结算服务的数据处理子系统、网络和操作。一个示例性的支付处理系统可以包括VisaNetTM。诸如VisaNetTM等支付处理系统可以处理信用卡交易、借记卡交易和其它类型的商业交易。特别地,VisaNetTM包括处理授权请求的VIP系统(Visa集成支付系统)和执行清算和结算服务的基础II(Base II)系统。
支付处理系统26可以包括服务器计算机。服务器计算机通常是强大的计算机或者计算机簇。例如服务器计算机可以是大型主机、微型机簇或者作为一个单元工作的一组服务器。在一个例子中,服务器计算机可以是连接到网络服务器的数据库服务器。支付处理系统26可以使用任何适当的有线或无线网络,包括因特网。
商户场所22(a)、22(b)还具有可以与便携消费设备32交互的销售点(POS)终端(未示出)。可以使用包括读卡器的任何合适的销售点终端。读卡器可以包括任何合适的接触或非接触操作模式。例如示例性的读卡器可以包括与便携消费设备32交互的RF(射频)天线、磁条阅读器等。
在图1中示出了两个软件引擎。它们包括促销引擎36和交换引擎38。系统中还可以包括各种其它的软件引擎以便执行根据本发明各实施例的方法。这样的软件引擎可以由发卡方28、支付处理系统26或者收单方24(a)、24(b)访问。尽管这两个软件引擎36、38被显示为可以由支付处理系统26直接访问,但它们也可以或者可选择地由收单方24(a)、24(b)或者发卡方28直接访问。
促销引擎36可以包括或存储由商户操作或启动的各种促销活动。促销引擎30还可以包括用于存储来自一个或多个商户的促销活动、识别与特定授权请求消息或者交易相关的特定促销活动、执行与促销活动相关的任务等的计算机代码。
交互引擎38可以使用商户验证值来执行交换处理(如前面描述的那样)。下面参考附图4描述使用商户验证值的合适的交换过程的细节。
在本申请中描述的引擎30、32和任何其他软件组件或功能可以被实现为使用例如常规或者面向对象技术的诸如Java,C++,Perl等任何适当的计算机语言的并由处理器执行的软件代码。例如,图2和图4中示出的本申请中任何特定步骤(或者步骤的组合)都可以按任何合适的组合被实现为计算机可读介质上的计算机代码。软件代码可以被存储为诸如随机存取存储器(RAM)、只读存储器(ROM)、诸如硬盘驱动器或软盘等磁介质,或者诸如CD-ROM等光学介质等计算机可读介质上的一组指令或者命令。任何这样的计算机可读介质可以驻留在单一的计算装置之上或之中,并且可以出现在系统或网络中的不同计算装置之上或之中。
图2示出了根据本发明的实施例的方法的流程图。可以参考图1中的框图描述图2中示出的方法。首先消费者30在商户场所22(a)使用诸如信用卡等便携消费设备32购买货物或服务(步骤40)。消费者的便携消费设备32在商户场所22(a)与POS(销售点)终端交互。例如,消费者30可以使用信用卡并且在POS终端恰当的槽中刷过。
在商户场所22(a)运行的POS终端或者计算机可以随后选择性地在授权请求消息中提供促销代码(步骤42),这样可以识别商户的促销。促销代码可以与促销活动相关,该促销活动被实现为驻留在促销引擎36上或可由促销引擎36可访问的一组指令。可以替换地或附加地在收单方24(a)、支付处理系统26或者发卡方28处插入促销代码。
授权请求消息随后被发送给带有促销代码的收单方24(a)。在接收到授权请求消息后,收单方24(a)可以随后在授权请求消息中插入商户验证值(步骤44),并且将授权请求消息随后发送给支付处理系统26。或者,商户验证值可以由商户22(a)或者支付处理系统26插入到授权请求中。例如,代替数字商户验证值,可将识别商户的文本消息(例如“Gap”)或POS终端ID从商户场所22(a)发送到支付处理系统26。支付处理系统26可以随后具有将文本消息或POS终端ID与商户验证值对应的查找表。
支付处理系统36随后确定商户和发卡方28的参与状态(步骤48)。支付处理系统36可以随后访问促销引擎36来执行商户的促销活动中的步骤。例如促销引擎36可以具有为消费者30在该商户处每五次购买而提供10%的折扣的计算机代码。促销引擎36可以记录消费者在商户处的购买活动。在其他实施例中,支付处理系统26可以不访问促销引擎36。例如,在一些实施例中,发卡方28可以访问促销引擎36来执行促销。
支付处理系统26随后向发卡方28发送包括促销代码和商户验证值的授权请求消息(步骤52)。如果促销活动已经由支付处理系统26执行,那么随后将关于该次活动结果的信息发送给发卡方28。例如,如果支付处理系统26之前确定了消费者30对当前购买享有折扣,那么随后可将该信息发送给发卡方28,以便发卡方28具有促销折扣的记录并且相应地调整消费者的帐户。如果促销活动还没有由支付处理系统26执行,那么随后发卡方28可以访问促销引擎36,并且执行促销活动。不管怎样,发卡方28都将随后检查商户-发卡方的合作关系的参与(步骤54)。在发卡方28检查合作关系的参与后,发卡方28向支付处理系统26发送验证响应消息(步骤56)以便指明当前交易是被授权的(或者未被授权的)。
授权消息可以包括促销代码、关于当前促销的响应信息(例如“你是获奖者”,“本次购买享有10%的折扣”)等、以及当前购买的授权代码(指明该购买交易是被授权的)。交易处理系统26随后向收单方24(a)返回验证响应消息。收单方24(a)随后向商户22(a)返回响应消息。如果需要,交易处理系统26和/或收单方24(a)可以通过授权响应消息向消费者30返回促销响应信息。
商户22(a)接收到商户特定消息之后(步骤58),商户22(a)处的POS终端可以随后为消费者30提供授权响应消息。可以由POS终端显示响应消息或者将其打印在信用卡收据上。
在该日结束时,可以进行常规清算和结算处理(步骤60)。商户可以向收单方24(a)发送带有促销代码的商户存款文件。商户存款文件包含关于该日电子交易的信息。收单方24(a)可将交换文件连同适当的促销代码发送到支付处理系统26。可以按适当的交换费率处理适当的交易(下面将详细描述)。随后由支付处理系统26将适当的促销代码和交易细节发送到发卡方28。发卡方28可以随后将消费者的帐户进行适当的调整。例如,如果消费者30由于当前的购买而获得了点数、英里或者其他奖励,则收单方28可以对消费者的帐户做出适当的调整。
如同前面描述的实施例示出的那样,本发明的优选实施例可以被应用于比赛(例如抽奖),该比赛在授权过程中为消费者提供直接的反馈。这样的比赛可以是促销活动并且可以在用于电子商务交易授权过程中执行。在优选实施例中,诸如服务器等计算装置可接收包括可选的商户验证值的授权请求消息。该授权请求消息与使用便携消费设备的用户的购买相关。在接收授权请求消息后,计算装置可以确定消费者是否是比赛中的获奖者。如果消费者是获奖者,则将授权响应消息发送给消费者,其中响应消息包括指明消费者是获奖者的指示。可选地,如果消费者不是获奖者,则向消费者发送适当的消息(例如“再试一次”)。图3示出了示例性信用卡收据的例子。如所示出的,信用卡收据在授权区域显示单词“获奖者”。单词“获奖者”合宜地具有六个字母并且可以对应于常规授权代码的六位。
在示例性的比赛的实施例(和其它实施例)中,最好在将指明消费者是获奖者的消息发送给消费者之前,确定消费者的交易首先被授权。在这样的实施例中(参照图1),可以从商户场所22(a)将授权请求消息发送给收单方24(a)、支付处理系统26以及随后到达发卡方28。发卡方28检查消费者的帐户来确定当前交易是否被授权。如果已经被授权,则由发卡方28将授权响应信息发送到支付处理系统26。支付处理系统26可以随后将特定数值插入到第3 8数据字段(即用于授权代码响应的标准字段)并取代发卡方的常规授权响应。例如,该特定值可以是代替常规六位授权代码的文本消息“获奖者”。支付处理系统26可以随后将该修改后的授权消息发送到商户场所22(a)并且随后到达消费者30。支付处理系统26还可以将关于消费者的“获奖者”状态的消息发送给消费者28,这样发卡方28具有其记录并且可以相应地修改用户的帐户。该示例性过程的步骤可以以任何恰当的方式在与图2描述的过程的步骤相结合。
在这些比赛实施例中,可以将商户验证值包含到或不包含到授权请求消息中。例如,可以使用终端的识别号来识别赞助比赛的特定商户。作为另一种选择,发卡方可以是比赛的赞助者从而增加由该发卡方发行的便携消费设备的使用。这样用于专门识别特定商户的商户验证值不再必要,因为比赛中的潜在参与者将专门附属于发卡方的而不是特定商户。
过去,公司使用比赛作为促销活动。但是,这样的常规活动并没有向消费者提供关于他们是否是获胜者的即时反馈。例如,当消费者在商业交易中使用信用卡时,一个常规活动在比赛中自动注册消费者。但是,确定消费者是否是获胜者的决定是在商业交易结束后很久才作出的(例如几周)。如果消费者是获胜者,消费者事后才被通知是获胜者(例如通过邮件)。虽然可以使用这样的常规活动,但是它们不能使消费者感到满意,因为在消费者购买和将任何这样的促销活动结果通知给消费者之间间隔的时间太长了。
除了授权处理之外,根据本发明的实施例的商户验证值还可用于清算和结算处理。图4显示了说明使用商户验证值的示例性交换过程的流程图。
参照图4,支付处理系统可以确定在交易中是否存在商户验证值(步骤82)。随后,支付处理系统可以确定商户验证值是否是有效的,并且是否定义了特殊活动(步骤84)。如果这些问题的答案是否,则交易被回退(步骤90)。如果这些问题的答案是是,则确定所有与清算和结算相关的活动(步骤88)。
随后确定商户验证值表中是否存在有效的收单方BIN(银行识别号码)(步骤92)。如果其有效,则随后确定活动是否要限定特定的卡片范围(步骤94)。如果无效,则进行常规处理(步骤100)。如上面所述,可以为不同类型的商户提供不同的交换费。
如果活动确实需要限定卡片范围,则随后确定该发卡方的卡片范围是否有效(步骤98)。如果其有效,则随后应用经定义的商户验证值交换(步骤96)。如果无效,则随后进行常规处理(步骤100)。如果活动不要求有效的卡片范围,则应用经定义的商户验证值交换(步骤96)。
图4中示出的步骤可以由支付处理系统26中一个或多个计算装置执行。图4示出的步骤可以在不背离本发明的范围情况下,以任何合适的组合或者顺序与图2示出的步骤结合使用。
可以以软件或硬件或两者组合的控制逻辑的形式实现本发明。控制逻辑可以作为多个指令存储在信息存储介质中,该指令用于指导信息处理设备来执行本发明的实施例中公开的一组步骤。基于此处提供的公开与教示,本领域的技术人员将意识到有其他方式和/或方法来实现本发明。
上述描述是说明性的而不是限制性的。本领域的技术人员在浏览公开内容时,本发明的各种变型对其是显而易见的。因此不应当参照上述描述确定本发明的范围,相反,应当参考待审的权利要求和其全部范围和等同物来确定。
除非经特别相反地指出,“一”、“一个”和“该”意在表示“一个或多个”。
以上提到的所有专利、专利申请、公开物和描述为了各种目的被整体引入作为参考。没有一个被承认为现有技术。
Claims (23)
1.一种方法包括:
通过支付处理网络接收包括商户验证值的授权请求消息,其中所述授权请求消息与消费者的购买相关;
使用所述商户验证值确定商户-特定的促销活动;以及
在接收所述授权请求消息后,执行所述经确定的商户特定的促销活动。
2.如权利要求1所述的方法,其特征在于,所述商户-特定的促销活动是抽奖活动。
3.如权利要求1所述的方法,其特征在于,所述商户-特定的促销活动是奖励活动。
4.如权利要求1所述的方法,其特征在于,执行所述经确定的商户-特定的促销活动包括向所述消费者发送表明所述消费者对所述购买已经获得了折扣的消息。
5.如权利要求1所述的方法,其特征在于,执行所述经确定的商户-特定的促销活动包括向所述消费者发送表明所述消费者将对今后的购买获得折扣的消息。
6.如权利要求1所述的方法,其特征在于,执行所述经确定的商户-特定的促销活动包括:
确定所述消费者是否是比赛中的获奖者,以及如果所述消费者是获奖者,则向所述消费者发送包括指示所述消费者是获奖者的消息的授权响应消息。
7.如权利要求1所述的方法,其特征在于,所述消费者使用信用卡或借记卡进行所述购买。
8.如权利要求1所述的方法,其特征在于,还包括:
使用所述商户验证值执行交换过程。
9.一种被配置为执行权利要求1所述的方法的服务器计算机。
10.一种被配置为执行如权利要求1所述的方法的系统。
11.一种计算机可读介质包括:
用于通过支付处理网络接收包括商户验证值的授权请求消息的代码,其中所述授权请求消息与消费者的购买相关;
用于使用所述商户验证值确定商户-特定的促销活动的代码;以及
用于在接收所述授权请求消息后,执行所述经确定的商户-特定的促销活动的代码。
12.如权利要求11所述的计算机可读介质,其特征在于,所述商户-特定的促销活动是抽奖活动。
13.如权利要求11所述的计算机可读介质,其特征在于,所述商户-特定的促销活动是奖励活动。
14.如权利要求11所述的计算机可读介质,其特征在于,用于执行所述经确定的商户-特定的促销活动的代码包括用于向所述消费者发送表明所述消费者对所述购买已经获得了折扣的消息的代码。
15.如权利要求11所述的计算机可读介质,其特征在于,用于执行所述经确定的商户-特定的促销活动的代码包括用于向所述消费者发送表明所述消费者将对今后的购买获得折扣的消息的代码。
16..一种方法包括:
接收授权请求消息,其中所述授权请求消息与消费者的购买相关联;
在接收所述授权请求消息后,确定所述消费者是否是比赛中的获奖者;以及
如果消费者是获奖者,则向所述消费者发送响应消息,其中所述响应消息包括所述消费者是获奖者的指示。
17.如权利要求16所述的方法,其特征在于,将所述消费者是获奖者的指示打印在信用卡或借记卡的收据上。
18.如权利要求16所述的方法,其特征在于,先前是使用信用卡或借记卡进行所述购买的。
19如权利要求16所述的方法,其特征在于,所述授权请求消息包括商户验证值。
20.一种被配置为执行权利要求16所述的方法的服务器计算机。
21一种被配置为执行权利要求16所述的方法的系统。
22.一种计算机可读介质,包括:
用于接收授权请求消息的代码,其中所述授权请求消息与消费者的购买相关联;
用于在接收所述授权请求消息后,确定所述消费者是否是比赛中的获奖者的代码;以及
用于在如果所述消费者是获奖者时,向所述消费者发送响应消息的代码,其中所述响应消息包括所述消费者是获奖者的指示。
23.如权利要求22所述的计算机可读介质,其特征在于,所述授权请求消息包括商户验证值。
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