Patent ID: 8706632
Filing Date: 2014-04-22
Classification: G06Q,G07G

Abstract:
1. An apparatus for providing an offer during a transaction between a merchant and a customer, 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 that is configured to perform: receiving a request for authorization of a purchase amount, the purchase amount to be paid from a financial account of the customer; determining an offer based on the received request; transmitting an authorization of the purchase amount; transmitting the offer for output to the customer on a record of charge wherein the record of charge includes a first signature line associated with and for indicating acceptance of the purchase amount only and a second signature line associated with and for indicating acceptance of the offer output on the record of charge; receiving an acceptance of the offer by the customer; and providing a benefit to the customer after receiving the acceptance, in which the offer defines an obligation for the customer to fulfill in exchange for the benefit.