Opt in system and method
AssigneeVisa U.S.A. Inc.
InventorBrian Jeffrey Maw
Life of this patent
Estimating the term…
Abstract
A financial transaction system includes a computer readable storage medium and a processor in communication with the computer readable storage medium. The processor is configured to receive a financial transaction request message from a payment device reader, and parse the financial transaction request message. The financial transaction request message includes a cardholder response to an offer to enroll in a loyalty program of a commercial entity. The processor is further configured to store the cardholder response in the computer readable storage medium.
Claims25
A system, comprising:
- a computing device configured to receive a financial transaction authorization request message over a communication network from a merchant payment device reader, the financial transaction authorization request message comprising a cardholder response to an offer to enroll in a loyalty program of a commercial entity;
- wherein the computing device is also configured to parse the financial transaction request message to separate financial transaction data from the cardholder response to the offer to enroll in the loyalty program of the commercial entity;
- and
- wherein the computing device is also configured to, in response to the cardholder response to the offer to enroll in the loyalty program of the commercial entity, transmit loyalty program enrollment information to the cardholder through the payment device reader.
A method comprising:
- receiving, via a computing device, a financial transaction request message from a merchant payment device reader, the financial transaction authorization request message comprising a cardholder response to an offer to enroll in a loyalty program of a commercial entity;
- parsing, via the computing device, the financial transaction request message to separate financial transaction data from the cardholder response to the offer to enroll in the loyalty program of the commercial entity;
- storing, via the computing device, the cardholder response to the offer to enroll in the loyalty program of the commercial entity in a storage medium accessible to the computing device;
- and
- in response to the cardholder response to the offer to enroll in the loyalty program of the commercial entity, transmitting, via the computing device, enrollment information for the loyalty program to the cardholder through the payment device reader.
A non-transitory computer readable storage medium storing instructions which, when executed by a computing device, cause the computing device to perform a method, the method comprising:
- receiving, by the computing device, a financial transaction authorization request message from a payment device reader, the financial transaction request message comprising a cardholder response to an offer to enroll in a loyalty program of a commercial entity;
- parsing, by the computing device, the financial transaction request message to separate financial transaction data from the cardholder response to the offer to enroll in the loyalty program of the commercial entity;
- and
- transmitting, by the computing device, loyalty program enrollment information to the cardholder through the payment device reader responsive to the cardholder response to the offer to enroll in the loyalty program of the commercial entity.
Dependencies are inferred from the claim text.