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公开(公告)号：US11989750B2
公开(公告)日：2024-05-21
申请号：US17449485
申请日：2021-09-30
申请人： Worldpay, LLC
CPC分类号： G06Q30/0222 , G06Q20/20 , G06Q20/24 , G06Q20/26 , G06Q20/387 , G06Q20/401 , G06Q20/4012 , G06Q20/405 , G06Q20/409
摘要： Technologies for enhancing payment transactions include an acquirer computing system. The acquirer computing system receives a payment authorization request message for a payment transaction associated with a purchase event and event-specific data corresponding to the purchase event. An offer identification query is transmitted to a promotion management computing system via an out-of-band communications channel. Offer redemption instructions corresponding to a matched offer are received from the promotion management computing system via the out-of-band communications channel. Based on the redemption value of the matched offer, a net transaction amount for the purchase event is determined. The payment authorization request message is modified based on the determined net transaction amount. The modified payment authorization request message is transmitted to an issuer computing system via an in-band communications channel. A payment authorization response message is received from the issuer computing system via the in-band communications channel. Other embodiments are described and claimed.
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公开(公告)号：US10891645B2
公开(公告)日：2021-01-12
申请号：US16390285
申请日：2019-04-22
申请人： Worldpay, LLC
摘要： Technologies for enhancing credit transactions include a point of sale computing system. The point of sale computing system receives payment vehicle data for a credit transaction associated with a purchase event. The point of sale computing system determines whether the credit transaction is an alternate routing candidate. The point of sale computing system routes an authorization request message to an issuer computing system via a payment card network in response to a determination that the credit transaction is not an alternate routing candidate. Alternatively, the point of sale computing system routes the authorization request message directly to the issuer computing system via a PIN debit network in response to a determination that the credit transaction is an alternate routing candidate. A corresponding authorization response message is received by the point of sale computing system via the payment card network or the PIN debit network. Other embodiments are described and claimed.
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公开(公告)号：US11308521B2
公开(公告)日：2022-04-19
申请号：US17106510
申请日：2020-11-30
申请人： Worldpay, LLC
摘要： Systems and methods for applying a promotion to a payment transaction originating at a point of sale system of a merchant are described. Transactional information is provided to an acquirer computing system of the merchant. Based on identifying indicia associated with the transactional information, the acquirer computing system determines whether to modify the payment transaction messaging before communicating it along to an issuer computing system.
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公开(公告)号：US20220020057A1
公开(公告)日：2022-01-20
申请号：US17449554
申请日：2021-09-30
申请人： Worldpay, LLC
IPC分类号： G06Q30/02
摘要： Technologies for identifying prospective marketing targets based on payment vehicle-based payment transactions processed over electronic payment networks are disclosed. Payment vehicle-based payment transactions are analyzed to determine historical purchase activity progressions. Consumer behavior can be mapped to a historical purchase activity progression so that future spend behavior of the consumer can be identified.
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公开(公告)号：US20210081996A1
公开(公告)日：2021-03-18
申请号：US17106510
申请日：2020-11-30
申请人： Worldpay, LLC
摘要： Systems and methods for applying a promotion to a payment transaction originating at a point of sale system of a merchant are described. Transactional information is provided to an acquirer computing system of the merchant. Based on identifying indicia associated with the transactional information, the acquirer computing system determines whether to modify the payment transaction messaging before communicating it along to an issuer computing system.
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公开(公告)号：US10810610B2
公开(公告)日：2020-10-20
申请号：US14751336
申请日：2015-06-26
申请人： Worldpay, LLC
IPC分类号： G06Q30/02
摘要： Technologies for providing consumer loyalty to merchants are provided. Payment transactions are monitored based on communications received from point of sale systems of merchants. Based on loyalty-based rules for the merchant, the purchase transaction can be modified to provide a stored benefit to the consumer. Tracking loyalty-based activity based on payment transactions can reduce the necessity for consumer involvement or registration with a merchant's loyalty program while increasing a merchant's ability to provide the consumer in meaningful marketing engagements.
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公开(公告)号：US11928701B2
公开(公告)日：2024-03-12
申请号：US17078682
申请日：2020-10-23
申请人： Worldpay, LLC
CPC分类号： G06Q30/0222 , G06Q20/20 , G06Q20/24 , G06Q20/26 , G06Q20/387 , G06Q20/401 , G06Q20/4012 , G06Q20/405 , G06Q20/409
摘要： Technologies for enhancing credit transactions include a point of sale computing system. The point of sale computing system receives payment vehicle data for a credit transaction associated with a purchase event. The point of sale computing system determines whether the credit transaction is an alternate routing candidate. The point of sale computing system routes an authorization request message to an issuer computing system via a payment card network in response to a determination that the credit transaction is not an alternate routing candidate. Alternatively, the point of sale computing system routes the authorization request message directly to the issuer computing system via a PIN debit network in response to a determination that the credit transaction is an alternate routing candidate. A corresponding authorization response message is received by the point of sale computing system via the payment card network or the PIN debit network. Other embodiments are described and claimed.
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公开(公告)号：US11170396B1
公开(公告)日：2021-11-09
申请号：US16229912
申请日：2018-12-21
申请人： Worldpay, LLC
摘要： Technologies for enhancing payment transactions include an acquirer computing system. The acquirer computing system receives a payment authorization request message for a payment transaction associated with a purchase event and event-specific data corresponding to the purchase event. An offer identification query is transmitted to a promotion management computing system via an out-of-band communications channel. Offer redemption instructions corresponding to a matched offer are received from the promotion management computing system via the out-of-band communications channel. Based on the redemption value of the matched offer, a net transaction amount for the purchase event is determined. The payment authorization request message is modified based on the determined net transaction amount. The modified payment authorization request message is transmitted to an issuer computing system via an in-band communications channel. A payment authorization response message is received from the issuer computing system via the in-band communications channel. Other embodiments are described and claimed.
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