Patrick Scott Lay

US Patent:

20140156370, Jun 5, 2014

Filed:

Dec 4, 2012

Appl. No.:

13/705129

Inventors:

- Edwardsville IL, US
James Francis Vaughan - Carlsbad CA, US
Richard Henry Schmid - Roswell GA, US
William Richard Restis - La Mirada CA, US
Patrick Scott Lay - Edwardsville IL, US

Assignee:

CCE CREDIT CARD ENTERPRISES, INC. - Edwardsville IL

International Classification:

G06Q 30/02

US Classification:

705 1423, 705 1426

Abstract:

A system of electronically requesting, generating and processing a coupon over a payment processing network is provided. During a sales transaction, a purchaser at a point of sale (POS) terminal provides a customer identifier using a card with a magnetic stripe which is read by a magnetic card reader and then transmitted across the payment processing network along with product identifiers on the products being purchased. The customer identifier includes a banking identification number (BIN) which is read by a first server in the payment processing network and then forwarded to a coupon server. The coupon server uses the customer identifier and product identifier to select any coupons that are available for use by the purchaser and transmits the coupons back to the POS terminal, where the coupons are applied to the sales transaction.

US Patent:

20140156375, Jun 5, 2014

Filed:

Oct 16, 2013

Appl. No.:

14/055502

Inventors:

- Edwardsville IL, US
James Francis Vaughan - Carlsbad CA, US
Richard Henry Schmid - Roswell GA, US
William Richard Restis - La Mirada CA, US
Patrick Scott Lay - Edwardsville IL, US

Assignee:

CCE Credit Card Enterprises, Inc. - Edwardsville IL

International Classification:

G06Q 30/02

US Classification:

705 1438

Abstract:

A system of electronically requesting, generating and processing a coupon over a payment processing network is provided. During a sales transaction, a purchaser at a point of sale (POS) terminal provides a customer identifier using a card with a magnetic stripe which is read by a magnetic card reader and then transmitted across the payment processing network along with product identifiers on the products being purchased. The customer identifier includes a banking identification number (BIN) which is read by a first server in the payment processing network and then forwarded to a coupon server. The coupon server uses the customer identifier and product identifier to select any coupons that are available for use by the purchaser and transmits the coupons back to the POS terminal, where the coupons are applied to the sales transaction.