Patent ID: 8788333
Filing Date: 2014-07-22
Classification: G06Q

Abstract:
1. A method comprising the steps of: obtaining, by an operator of a payment card network of a kind wherein said operator comprises a single operator which facilitates transactions between multiple issuers and multiple acquirers, using an electronic wallet platform, from a check-out web page of a merchant: supplying, by said operator of said payment card network using said electronic wallet platform, to a transaction qualification service, said unique identification of said given consumer; retrieving, by said operator of said payment card network using said transaction qualification service, from a consumer enrollment database, a record wherein at least one promotion code is stored in association with said unique identification of said given consumer; determining, by said operator of said payment card network using said transaction qualification service, based on rules from an offers registry database, whether said at least one promotion code is applicable to said on-line transaction, said rules being stored in said offers registry database in association with said at least one promotion code, said rules taking into account at least one of said unique identification of said given consumer and said associated transaction data in determining said applicability; and if, based on said determining step, said at least one promotion code is applicable to said on-line transaction, providing said at least promotion code to said merchant, by said operator of said payment card network using said transaction qualification service and said electronic wallet platform, said at least one promotion code being provided to said merchant prior to payment card authorization, clearing, and settlement for said on-line transaction, said at least one promotion code comprising an alphanumeric character sequence that is not visible to said given consumer.