EP3192034A4 - Method and system for processing of a real-time rebate at transaction authorization - Google Patents

Method and system for processing of a real-time rebate at transaction authorization Download PDF

Info

Publication number
EP3192034A4
EP3192034A4 EP15833649.5A EP15833649A EP3192034A4 EP 3192034 A4 EP3192034 A4 EP 3192034A4 EP 15833649 A EP15833649 A EP 15833649A EP 3192034 A4 EP3192034 A4 EP 3192034A4
Authority
EP
European Patent Office
Prior art keywords
real
processing
transaction authorization
time rebate
rebate
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP15833649.5A
Other languages
German (de)
English (en)
French (fr)
Other versions
EP3192034A1 (en
Inventor
Kyle P. Clark
Christopher A. Guiney
Jensen James E. Pastrana
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Mastercard International Inc
Original Assignee
Mastercard International Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US14/465,063 external-priority patent/US20150112781A1/en
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Publication of EP3192034A1 publication Critical patent/EP3192034A1/en
Publication of EP3192034A4 publication Critical patent/EP3192034A4/en
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Marketing (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
EP15833649.5A 2014-08-21 2015-08-19 Method and system for processing of a real-time rebate at transaction authorization Withdrawn EP3192034A4 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US14/465,063 US20150112781A1 (en) 2013-10-21 2014-08-21 Method and System for Processing of a Real-Time Rebate at Transaction Authorization
PCT/US2015/045887 WO2016028889A1 (en) 2014-08-21 2015-08-19 Method and system for processing of a real-time rebate at transaction authorization

Publications (2)

Publication Number Publication Date
EP3192034A1 EP3192034A1 (en) 2017-07-19
EP3192034A4 true EP3192034A4 (en) 2018-01-10

Family

ID=55351226

Family Applications (1)

Application Number Title Priority Date Filing Date
EP15833649.5A Withdrawn EP3192034A4 (en) 2014-08-21 2015-08-19 Method and system for processing of a real-time rebate at transaction authorization

Country Status (8)

Country Link
EP (1) EP3192034A4 (zh)
JP (1) JP2017528822A (zh)
CN (1) CN107077677A (zh)
AU (1) AU2015305524A1 (zh)
BR (1) BR112017003415A2 (zh)
CA (1) CA2958551A1 (zh)
RU (1) RU2017109095A (zh)
WO (1) WO2016028889A1 (zh)

Families Citing this family (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10943251B2 (en) 2016-04-06 2021-03-09 Mastercard International Incorporated Method and system for real-time rebate application
US20170293931A1 (en) * 2016-04-06 2017-10-12 Mastercard International Incorporated Method and system for real-time promotions
CN107862541A (zh) * 2017-09-27 2018-03-30 天脉聚源（北京）科技有限公司 一种奖励反馈方法及装置
US10713677B2 (en) * 2017-12-13 2020-07-14 Mastercard Asia/Pacific Pte. Ltd. Method and system for social savings platform via blockchain
CN108280683B (zh) * 2018-01-18 2022-04-22 百度在线网络技术（北京）有限公司 基于广告投放平台的优惠券发放方法及装置
SG10201801787SA (en) * 2018-03-05 2019-10-30 Citibank Na Electronic payment systems and methods
US11301856B2 (en) * 2018-05-24 2022-04-12 Mastercard International Incorporated Method and system for transaction authorization via controlled blockchain
CN110245992A (zh) * 2019-06-20 2019-09-17 深圳前海微众银行股份有限公司 一种资源处理方法及装置
CN111681053B (zh) * 2020-06-09 2023-09-22 青岛有容信息科技有限公司 一种收付链构建方法、装置、计算机设备及可读存储介质
US20220005020A1 (en) * 2020-07-06 2022-01-06 Square, Inc. Peer-To-Peer Transfer of a Stored Value

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20080133351A1 (en) * 2006-10-24 2008-06-05 Brigette White Method and apparatus for reward messaging, discounting and redemption at the point of interaction
WO2011047248A2 (en) * 2009-10-16 2011-04-21 Visa International Service Association System and method for non-credit card billers to accept credit card payments
US20120197801A1 (en) * 2011-01-27 2012-08-02 Day Jimenez Merchant payment system and method for mobile phones

Family Cites Families (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000062231A1 (en) * 1999-04-13 2000-10-19 Shopexpert.Com, Inc. Method and apparatus for tracking consumers
DE10085292T1 (de) * 1999-12-09 2002-11-21 Carlson Marketing Group Inc Kombiniertes interaktives Ladengeschäft- und Online-Bonuseinlösesystem und -verfahren
US8833645B2 (en) * 2005-06-24 2014-09-16 Visa U.S.A. Inc. System, apparatus and methods for automatically calculating discounts for purchases from merchants made using a reservation system
US9613361B2 (en) * 2006-07-18 2017-04-04 American Express Travel Related Services Company, Inc. System and method for E-mail based rewards
US8682791B2 (en) * 2006-10-31 2014-03-25 Discover Financial Services Redemption of credit card rewards at a point of sale
US8676642B1 (en) * 2007-07-05 2014-03-18 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to financial account holders
CN101216920A (zh) * 2008-01-11 2008-07-09 侯万春 实现银行卡用户刷卡消费即获特惠的系统及方法
MX2011002436A (es) * 2008-09-04 2011-05-02 Mastercard International Inc Sistema y metodo para realizar una transaccion de reembolso en tiempo real por medio del apalancamiento de una red de pago.
CA2738489A1 (en) * 2008-09-25 2010-04-01 Visa International Service Association System and method for benefit notification
CN101930573A (zh) * 2009-06-26 2010-12-29 海南新生信息技术有限公司 一种远程营销规则管理系统
CN103703482A (zh) * 2011-01-17 2014-04-02 独立交易解决方案私人有限公司 实现商家提供资金奖励的系统和方法
US8880431B2 (en) * 2012-03-16 2014-11-04 Visa International Service Association Systems and methods to generate a receipt for a transaction
US9754277B2 (en) * 2012-09-16 2017-09-05 American Express Travel Related Services Company, Inc. System and method for purchasing in a digital channel
US20140156480A1 (en) * 2012-11-30 2014-06-05 Bank Of America Corporation Personal financial management payment allocation

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20080133351A1 (en) * 2006-10-24 2008-06-05 Brigette White Method and apparatus for reward messaging, discounting and redemption at the point of interaction
WO2011047248A2 (en) * 2009-10-16 2011-04-21 Visa International Service Association System and method for non-credit card billers to accept credit card payments
US20120197801A1 (en) * 2011-01-27 2012-08-02 Day Jimenez Merchant payment system and method for mobile phones

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of WO2016028889A1 *

Also Published As

Publication number Publication date
WO2016028889A1 (en) 2016-02-25
JP2017528822A (ja) 2017-09-28
AU2015305524A1 (en) 2017-03-16
CA2958551A1 (en) 2016-02-25
RU2017109095A3 (zh) 2018-09-21
RU2017109095A (ru) 2018-09-21
EP3192034A1 (en) 2017-07-19
CN107077677A (zh) 2017-08-18
BR112017003415A2 (pt) 2017-11-28

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