Back to results
US 10,896,435 B2Granted
Merchant voucher offer processing method and apparatus
AssigneeMastercard International Incorporated
InventorsBrian Maw, Jennifer Dogin
Life of this patent
Estimating the term…
Abstract
A system, method, and computer-readable storage medium configured to link electronic voucher offers with complementary voucher offers and consolidate redemption of electronic vouchers with electronic payments into a single transaction.
Claims14
An apparatus comprising:
- a network interface configured to receive, from a user device, a proposed electronic voucher comprising a first merchant identifier and a second merchant identifier;
- and
- a processor configured to:
- transmit to a first merchant computer associated with the first merchant identifier, the proposed electronic voucher and a time limit for accepting the proposed electronic voucher via the network interface;
- transmit via the network interface, to a second merchant computer associated with the second merchant identifier, the proposed electronic voucher and a time limit for accepting the proposed electronic voucher;
- receive via the network interface, prior to the time limit, a first response indicative of an approval of the proposed electronic voucher from the first merchant computer;
- receive via the network interface, prior to the time limit, a second response indicative of an approval of the proposed electronic voucher from the second merchant computer;
- determining, based on the first merchant identifier and the second merchant identifier, that the first merchant identifier and the second merchant identifier are not linked in a merchant database;
- and
- generate an association in the merchant database between the first merchant identifier and the second merchant identifier based on the proposed electronic voucher, the first response indicative of the approval of the proposed electronic voucher, and the second response indicative of the approval of the proposed electronic voucher.
7 more elements
A non-transitory computer readable medium encoded with data and instructions, which when executed by a computing device cause the computing device to:
- receive, from a user device, a proposed electronic voucher comprising a first merchant identifier and a second merchant identifier;
- transmit, to a first merchant computer associated with the first merchant identifier, the proposed electronic voucher and a time limit for accepting the proposed electronic voucher;
- transmit, to a second merchant computer associated with the second merchant identifier, the proposed electronic voucher and a time limit for accepting the proposed electronic voucher;
- receive, prior to the time limit, a first response indicative of an approval of the proposed electronic voucher from the first merchant computer;
- receive, prior to the time limit, a second response indicative of an approval of the proposed electronic voucher from the second merchant computer;
- determine, based on the first merchant identifier and the second merchant identifier, that the first merchant identifier and the second merchant identifier are not linked in a merchant database;
- and
- generate an association in the merchant database between the first merchant identifier and the second merchant identifier based on the proposed electronic voucher, the first response indicative of the approval of the proposed electronic voucher, and the second response indicative of the approval of the proposed electronic voucher.
5 more elements
Dependencies are inferred from the claim text.