Patent ID: 8463706
Filing Date: 2013-06-11
Classification: G06Q,H04M

Abstract:
1. A method comprising: receiving, by a computing device, a coupon authorization request message from a merchant that identifies a sponsor account and a coupon for a purchase by a consumer in a transaction with the merchant; sending, by the computing device, the coupon authorization request message to an issuer of the sponsor account; receiving, by the computing device in response to the coupon authorization request message, a coupon authorization response message containing eligibility of the coupon for use by the consumer for the purchase in the transaction with the merchant; sending, by the computing device, the coupon authorization response message to the merchant; receiving, by the computing device, a consumer authorization request message from the merchant identifying a consumer account upon which the transaction with the merchant is to be conducted; sending, by the computing device, the consumer authorization request message to an issuer of the consumer account; receiving, by the computing device in response to the consumer authorization request message, a consumer authorization response message from the issuer of the consumer account, wherein the consumer authorization response message identifies the eligibility of the consumer account for use to conduct the transaction with the merchant; and sending, by the computing device, the consumer authorization response message to the merchant.