Sub-merchant identification number (smid) ingestion
AssigneeBread Financial Payments, Inc.
InventorsJessica JUERGENS, Laura JOYNER, Jess LAWRENCE, David SNIDER
Life of this patent
Estimating the term…
Abstract
A system and method for sub-merchant identification number (SMID) ingestion is disclosed. The method receives, from merchant aggregator, a transaction authorization request for a credit account customer and automatically scrapes the transaction authorization request for data to identify a sub-merchant. The method automatically determines a reward value of the sub-merchant for the credit account customer and automatically credits the customer with the determined reward.
Claims20
A computer-implemented method for sub-merchant identification number (SMID) ingestion, said method comprising:
- receiving, from merchant aggregator, a transaction authorization request for a credit account customer;
- automatically scraping the transaction authorization request for data to identify a sub-merchant;
- automatically determining a reward value of the sub-merchant for the credit account customer;
- and
- automatically crediting the credit account customer with the determined reward.
A non-transitory computer-readable storage medium having instructions embodied therein that when executed cause a computer system to perform a method comprising:
- receiving, from merchant aggregator, a transaction authorization request for a credit account customer;
- automatically scraping the transaction authorization request for data to identify a sub-merchant;
- automatically determining a reward value of the sub-merchant for the credit account customer;
- and
- automatically crediting the credit account customer with the determined reward.
A computing system to manage information pertaining to anonymous and/or known customer activity both in store and online comprising:
- a memory;
- and
- one or more processors, the one or more processors to:
- receive, from merchant aggregator, a transaction authorization request for a credit account customer;
- automatically scrape the transaction authorization request for data to identify a sub-merchant;
- automatically determine a reward value of the sub-merchant for the credit account customer;
- and
- automatically credit the credit account customer with the determined reward.
Dependencies are inferred from the claim text.