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US 2014/0229261 A1Published application
Method and apparatus for processing credit card transactions
AssigneeInventor Holdings, LLC
InventorsJay S. Walker, Magdalena Mik Fincham, Stephen C. Tulley, Daniel E. Tedesco, Andrew S. Van Luchene
Life of this patent
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Abstract
Systems and methods are disclosed whereby credit and debit card transactions are processed at a merchant point-of-sale terminal in a manner that provides customers the opportunity to receive one or more charge enhancement offers which are presented to the customer on a record of charge.
Claims6
An apparatus comprising:
- a processor;
- and
- a storage device in communication with the processor, the storage device storing instructions that when executed by the processor direct the processor to:
- receive a request for authorization of a purchase amount, the purchase amount to be paid from a financial account of the customer;
- determine an offer based on the received request;
- transmit an authorization of the purchase amount;
- transmit the offer for output to the customer on a record of charge;
- receive an acceptance of the offer by the customer;
- and
- provide a benefit to the customer after receiving the acceptance,
- wherein the offer defines an obligation for the customer to fulfill in exchange for the benefit.
8 more elements
Dependencies are inferred from the claim text.