Allison F Lindemann

US Patent:

20130041746, Feb 14, 2013

Filed:

Aug 10, 2011

Appl. No.:

13/206598

Inventors:

Eran Hollander - Wallingford PA, US
Andrew John Kese - Berwyn PA, US
Carrie Jubinski - King of Prussia PA, US
Nicole Carroll - Hinsdale IL, US
Allison Lindemann - Philadelphia PA, US

Assignee:

Citibank, N.A. - New York NY

International Classification:

G06Q 30/00

US Classification:

705 1438

Abstract:

Methods and systems of electronic messaging for verification and/or authentication purposes using a point of sale terminal and a card transaction processing network involve, for example, receiving data consisting at least in part of a consumer's identifier that is processable through a transaction card processing network and a nominal monetary amount which is an indicator that the data relates at least in part to a coupon redemption for a consumer. Other aspects include, for example, using different nominal amounts to distinguish between multiple promotions and processing overcharges. Additional aspects involve, for example, receiving data consisting at least in part of an identifier for a registrant that is processable through a transaction card processing network and a nominal monetary amount which serves at least in part to identify a command message on behalf of the registrant.

US Patent:

20130041767, Feb 14, 2013

Filed:

Oct 31, 2011

Appl. No.:

13/285175

Inventors:

Eran Hollander - Wallinford PA, US
Andrew John Kese - Berwyn PA, US
Carrie Jubinski - King of Prussia PA, US
Nicole Carroll - Hinsdale IL, US
Allison Lindemann - Philadelphia PA, US

Assignee:

Citibank, N.A. - New York NY

International Classification:

G06Q 20/20

US Classification:

705 17

Abstract:

Methods and systems for communicating information from a specially programmed smart point-of-sale terminal involve receiving transaction information at the terminal, recognizing that the transaction relates to a redemption function, adjusting the transaction amount accordingly, and routing an approval request for the adjusted amount to a card issuer processor via a card association transaction processing network. In another aspect, information is received at the terminal which recognizes that the information relates to a third party function and routes a message to the third party processor via a merchant acquirer processor while bypassing the card association transaction processing network. Thereafter, the third party processor performs the third party function and returns a message related at least in part to the performance of the third party function to the smart point-of-sale terminal processor via the merchant acquirer processor.