# US 11,308,521 B2 · Secure electronic transaction authorization on tokenized identifiers and location data > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 11,308,521 B2 - Document ID: US11308521B2 - Status: Granted - Kind: B2 - Application number: 17/106,510 - Filed: 2020-11-30 - Published: 2021-03-18 - Granted: 2022-04-19 - Earliest claimed: 2013-10-02 - Assignees: Worldpay, LLC - Applicants: Worldpay, LLC - Inventors: Jacob Matthew Sterling; Brent Alan Badger - Web page: https://patentgrep.com/patent/US11308521B2 ## CPC - G06Q 30/0268: {at point-of-sale [POS]} - G06Q 20/40: 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 - 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 ## Abstract 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. ## Claims ### Claim 1 An electronic transaction modification method, the method comprising: receiving, by an acquirer computing system via a user interface, parameters to initiate an electronic transaction; receiving, by the acquirer computing system, transaction data from an issuer computing system based on the parameters; based on the parameters and the transaction data, generating, by the acquirer computing system, at least one of: a first segment definition based on a tokenized account identifier of a merchant; and a second segment definition based on a tokenized account identifier of at least one customer; receiving, by the acquirer computing system, a transaction modification query from one or more point of sale systems; and determining, by the acquirer computing system, whether a transaction modification is applicable to the electronic transaction based on the transaction modification query and at least one of the first segment definition and the second segment definition. ### Claim 2 (depends on 1) The method of claim 1, wherein the transaction modification query further comprises transaction identifying indicia including an identifier, and wherein the determination of whether the transaction modification is applicable to the electronic transaction is based on the identifier. ### Claim 3 (depends on 2) The method of claim 2, the method further comprising: receiving, by the acquirer computing system, a first authorization request from the one or more point of sale systems; generating, by the acquirer computing system, a second authorization request based on the first authorization request; and transmitting, from the acquirer computing system to the one or more point of sale systems, an authorization response in accordance to the second authorization request, the authorization response including an additional message resolving a discrepancy between the first authorization request and the second authorization request. ### Claim 4 (depends on 1) The method of claim 1, wherein the transaction modification is tied to a customer, and wherein the customer is identifiable to the acquirer computing system based on a plurality of cards affiliated with the customer. ### Claim 5 (depends on 1) The method of claim 1, wherein at least one of the one or more point of sale systems is operated by a merchant, further comprising: transmitting, by the acquirer computing system a net settlement based on the electronic transaction to the merchant. ### Claim 6 (depends on 1) The method of claim 1, wherein the at least one of the first segment definition and the second segment definition is received through a promotions transaction modification interface. ### Claim 7 (depends on 1) The method of claim 1, wherein the transaction modification query is generated by the point of sale system in response to a pre-swipe event. ### Claim 8 A system, comprising: one or more computer readable media storing instructions for executing an electronic transaction modification; and one or more processors configured to execute the instructions to perform operations comprising: receiving, by an acquirer computing system via a user interface, parameters to initiate an electronic transaction; receiving, by the acquirer computing system, transaction data from an issuer computing system based on the parameters; based on the parameters and the transaction data, generating, by the acquirer computing system, at least one of: a first segment definition based on a tokenized account identifier of a merchant; and a second segment definition based on a tokenized account identifier of at least one customer; receiving, by the acquirer computing system, a transaction modification query from one or more point of sale systems; and determining, by the acquirer computing system, whether a transaction modification is applicable to the electronic transaction based on the transaction modification query and at least one of the first segment definition and the second segment definition. ### Claim 9 (depends on 8) The system of claim 8, wherein the transaction modification query further comprises transaction identifying indicia including an identifier, and wherein the determination of whether the transaction modification is applicable to the electronic transaction is based on the identifier. ### Claim 10 (depends on 9) The system of claim 9, wherein the one or more processors are configured to execute the instructions to perform additional operations comprising: receiving, by the acquirer computing system, a first authorization request from the one or more point of sale systems; generating, by the acquirer computing system, a second authorization request based on the first authorization request; and transmitting, from the acquirer computing system to the one or more point of sale systems, an authorization response in accordance to the second authorization request, the authorization response including an additional message resolving a discrepancy between the first authorization request and the second authorization request. ### Claim 11 (depends on 8) The system of claim 8, wherein the transaction modification is tied to a customer, and wherein the customer is identifiable to the acquirer computing system based on a plurality of cards affiliated with the customer. ### Claim 12 (depends on 8) The system of claim 8, wherein at least one of the one or more point of sale systems is operated by a merchant, and wherein the operations further comprises: transmitting, by the acquirer computing system a net settlement based on the electronic transaction to the merchant. ### Claim 13 (depends on 8) The system of claim 8, wherein the at least one of the first segment definition and the second segment definition is received through a promotions transaction modification interface. ### Claim 14 (depends on 8) The system of claim 8, wherein the transaction modification query is generated by the point of sale system in response to a pre-swipe event. ### Claim 15 A non-transitory computer-readable medium storing instructions for executing an electronic transaction modification, the instructions, when executed by one or more processors, causing the one or more processors to perform operations comprising: receiving, by an acquirer computing system via a user interface, parameters to initiate an electronic transaction; receiving, by the acquirer computing system, transaction data from an issuer computing system based on the parameters; based on the parameters and the transaction data, generating, by the acquirer computing system, at least one of: a first segment definition based on a tokenized account identifier of a merchant; and a second segment definition based on a tokenized account identifier of at least one customer; receiving, by the acquirer computing system, a transaction modification query from one or more point of sale systems; and determining, by the acquirer computing system, whether a transaction modification is applicable to the electronic transaction based on the transaction modification query and at least one of the first segment definition and the second segment definition. ### Claim 16 (depends on 15) The non-transitory computer-readable medium of claim 15, wherein the transaction modification query further comprises transaction identifying indicia including an identifier, wherein the determination of whether the transaction modification is applicable to the electronic transaction is based on the identifier, and wherein the identifier is at least one of a merchant identification number (MID) identifier, a loyalty program identifier, a bank identification number (BIN) identifier, a merchant category code (MCC) identifier, a media access control (MAC) identifier, an internet protocol (IP) identifier, a geographic identifier, a payment type identifier, or a customer name. ### Claim 17 (depends on 15) The non-transitory computer-readable medium of claim 15, wherein the transaction modification is tied to a customer, and wherein the customer is identifiable to the acquirer computing system based on a plurality of cards affiliated with the customer. ### Claim 18 (depends on 15) The non-transitory computer-readable medium of claim 15, wherein at least one of the one or more point of sale systems is operated by a merchant, and wherein the operations further comprises: transmitting, by the acquirer computing system a net settlement based on the electronic transaction to the merchant; receiving, by the acquirer computing system, a first authorization request from the one or more point of sale systems; generating, by the acquirer computing system, a second authorization request based on the first authorization request; and transmitting, from the acquirer computing system to the one or more point of sale systems, an authorization response in accordance to the second authorization request, the authorization response including an additional message resolving a discrepancy between the first authorization request and the second authorization request. ### Claim 19 (depends on 15) The non-transitory computer-readable medium of claim 15, wherein the at least one of the first segment definition and the second segment definition is received through a promotions transaction modification interface. ### Claim 20 (depends on 15) The non-transitory computer-readable medium of claim 15, wherein the transaction modification query is generated by the point of sale system in response to a pre-swipe event.