JP2017528822A - 取引認可においてリアルタイム割り戻しを処理するための方法及びシステム - Google Patents

取引認可においてリアルタイム割り戻しを処理するための方法及びシステム Download PDF

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Publication number
JP2017528822A
JP2017528822A JP2017510295A JP2017510295A JP2017528822A JP 2017528822 A JP2017528822 A JP 2017528822A JP 2017510295 A JP2017510295 A JP 2017510295A JP 2017510295 A JP2017510295 A JP 2017510295A JP 2017528822 A JP2017528822 A JP 2017528822A
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Japan
Prior art keywords
reward
transaction
rebate
consumer
preference
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JP2017510295A
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English (en)
Japanese (ja)
Inventor
カイル・ピー・クラーク
クリストファー・エイ・ギニー
ジェンセン・ジェイムズ・イー・パストラナ
Original Assignee
マスターカード インターナシヨナル インコーポレーテツド
マスターカード インターナシヨナル インコーポレーテツド
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Priority claimed from US14/465,063 external-priority patent/US20150112781A1/en
Application filed by マスターカード インターナシヨナル インコーポレーテツド, マスターカード インターナシヨナル インコーポレーテツド filed Critical マスターカード インターナシヨナル インコーポレーテツド
Publication of JP2017528822A publication Critical patent/JP2017528822A/ja
Pending legal-status Critical Current

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    • 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

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  • 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)
JP2017510295A 2014-08-21 2015-08-19 取引認可においてリアルタイム割り戻しを処理するための方法及びシステム Pending JP2017528822A (ja)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US14/465,063 2014-08-21
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 (1)

Publication Number Publication Date
JP2017528822A true JP2017528822A (ja) 2017-09-28

Family

ID=55351226

Family Applications (1)

Application Number Title Priority Date Filing Date
JP2017510295A Pending JP2017528822A (ja) 2014-08-21 2015-08-19 取引認可においてリアルタイム割り戻しを処理するための方法及びシステム

Country Status (8)

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

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 (11)

* 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
WO2001043034A2 (en) * 1999-12-09 2001-06-14 Carlson Marketing Group, Inc. Combined in-store and on-line interactive reward redemption system and method
US20080103968A1 (en) * 2006-10-31 2008-05-01 Discover Financial Services Llc Redemption of Credit Card Rewards at a Point of Sale
US20080133351A1 (en) * 2006-10-24 2008-06-05 Brigette White Method and apparatus for reward messaging, discounting and redemption at the point of interaction
US20100057553A1 (en) * 2008-09-04 2010-03-04 Michael Ameiss System and Method for Performing a Real Time Redemption Transaction by Leveraging a Payment Network
US20100082420A1 (en) * 2008-09-25 2010-04-01 Greg Trifiletti System and method for benefit notification
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
WO2012097404A1 (en) * 2011-01-17 2012-07-26 Independent Transaction Solutions Pty Ltd System and method of effecting a merchant funded reward
US20120197801A1 (en) * 2011-01-27 2012-08-02 Day Jimenez Merchant payment system and method for mobile phones
US20130246273A1 (en) * 2012-03-16 2013-09-19 Visa International Service Association Systems and methods to generate a receipt for a transaction
US8676642B1 (en) * 2007-07-05 2014-03-18 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to financial account holders

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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
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
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
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 (11)

* 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
WO2001043034A2 (en) * 1999-12-09 2001-06-14 Carlson Marketing Group, Inc. Combined in-store and on-line interactive reward redemption system and method
US20080133351A1 (en) * 2006-10-24 2008-06-05 Brigette White Method and apparatus for reward messaging, discounting and redemption at the point of interaction
US20080103968A1 (en) * 2006-10-31 2008-05-01 Discover Financial Services Llc 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
US20100057553A1 (en) * 2008-09-04 2010-03-04 Michael Ameiss System and Method for Performing a Real Time Redemption Transaction by Leveraging a Payment Network
US20100082420A1 (en) * 2008-09-25 2010-04-01 Greg Trifiletti System and method for benefit notification
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
WO2012097404A1 (en) * 2011-01-17 2012-07-26 Independent Transaction Solutions Pty Ltd System and method of effecting a merchant funded reward
US20120197801A1 (en) * 2011-01-27 2012-08-02 Day Jimenez Merchant payment system and method for mobile phones
US20130246273A1 (en) * 2012-03-16 2013-09-19 Visa International Service Association Systems and methods to generate a receipt for a transaction

Also Published As

Publication number Publication date
WO2016028889A1 (en) 2016-02-25
AU2015305524A1 (en) 2017-03-16
CA2958551A1 (en) 2016-02-25
RU2017109095A3 (de) 2018-09-21
RU2017109095A (ru) 2018-09-21
EP3192034A4 (de) 2018-01-10
EP3192034A1 (de) 2017-07-19
CN107077677A (zh) 2017-08-18
BR112017003415A2 (pt) 2017-11-28

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