Patent ID: 8615426
Filing Date: 2013-12-24
Classification: G06Q

Abstract:
1. A method comprising: receiving, by an access device from a consumer during a transaction between the consumer and a merchant, a consumer identifier and a plurality of offer indicators, wherein the plurality of offer indicators are respectively associated with a plurality of offers provided by a payment processing organization and an issuer; identifying, by the access device and during the transaction, the payment processing organization and the issuer; sending, by the access device and during the transaction, the offer indicators to the payment processing organization and the issuer, respectively, after identifying the payment processing organization and the issuer during the transaction; receiving, by the access device and during the transaction, validated offers from the payment processing organization and the issuer, respectively, wherein validation of each offer is based on one or more conditions associated with each offer; determining, by the access device and during the transaction, different discounted transaction amounts associated with the plurality of offers provided the payment processing organization and the issuer; presenting, by the access device and to the consumer during the transaction, different discounted transaction amounts associated with the plurality of offers provided by the payment processing organization and the issuer; and receiving, by the access device from the consumer during the transaction, a selection of one of the validated offers from the payment processing organization and the issuer.