Patent ID: 8296235
Filing Date: 2012-10-23
Classification: G06Q

Abstract:
1. A computer-implemented method comprising: receiving, at a transaction processor, a request to process a transaction amount, the transaction amount being funded by a third party; communicating a pre-authorization request to a third party processor associated with the third party, the pre-authorization request indicating a pre-authorization amount that exceeds the transaction amount by a predetermined amount; receiving, from the third party processor, an approval for the pre-authorization request indicating the pre-authorization amount; in response to the approval for the pre-authorization request, offering, using the transaction processor, a cashback amount having a value between zero and the predetermined amount at a user interface in communication with the third party processor, the pre-authorization request not including an indication of the transaction amount or the cashback amount; receiving, at the transaction processor, an authorization request for an authorized amount having the value between the pre-authorized amount and the transaction amount, the authorized amount being a sum of the transaction amount and a selected cashback amount, an indication of the selected cashback amount received from the user in response to the offering of the cashback amount; communicating, to the third party processor, the authorization request for the authorized amount; and funding an account with the selected cashback amount in response to an approval of the authorization request.