METHODS AND SYSTEMS FOR DIGITAL COUPON REDEMPTION
Methods and systems for redeeming digital coupons within a network-based system are disclosed. For example, a method can include receiving a payment request, accessing a digital coupon, validating the digital coupon, applying the validated digital coupon, and processing payment of a revised payment request. The payment request includes sufficient information for a payment processor to transfer funds between a user and a merchant. Receiving the payment request also includes a reference to a digital coupon associated with an item included in the payment request. The digital coupon is accessed using the reference received from the user within the payment request. Validating the digital coupon creates a validated digital coupon that is applied against the payment request to create a revised payment request.
1 . A method comprising:
receiving, over a network connection at a payment processor, a payment request from a user, the payment request including transaction data, received from a merchant by the user, allowing the payment processor to transfer funds between the user and a merchant and also including a reference to a digital coupon associated with an item included in the payment request, the reference identifying the digital coupon maintained by a coupon issuer;
accessing, at the payment processor, the digital coupon using the reference received from the user within the payment request, the accessing including receiving, over the network connection, the digital coupon from the coupon issuer;
validating the digital coupon on the payment processor using a payment transaction system including one or more computer processing units (CPUs) in order to create a validated digital coupon;
applying, at the payment processor using the payment transaction system, the validated digital coupon against the payment request to create a revised payment request; and
processing, at the payment processor using the payment transaction system, payment of the revised payment request.
2 . The method of claim 1 , wherein the applying the validated digital coupon includes obtaining approval from the user regarding the revised payment request.
3 . The method of claim 2 , wherein the obtaining approval from the user includes sending the user the revised payment request.
4 . The method of claim 3 , wherein the sending the user the revised payment request includes sending a revised invoice, wherein the revised invoice includes an item referenced by the digital coupon.
5 . The method of claim 1 , wherein the receiving the payment request includes receiving an invoice generated by the merchant.
6 . The method of claim 1 , wherein the receiving the payment request includes receiving a user ID associated with the user and a merchant ID associated with the merchant, the user ID and merchant ID being sufficient information for the payment processor to transfer funds between the user and the merchant.
7 . The method of claim 1 , wherein the validating the digital coupon includes decrypting the digital coupon.
8 . The method of claim 1 , wherein the validating the digital coupon includes receiving confirmation of the digital coupon from the merchant.
9 . The method of claim 8 , wherein the receiving confirmation of an aspect of the digital coupon includes receiving confirmation of one or more of the following aspects of a digital coupon:
value of the digital coupon;
expiration date;
applicable item;
applicable category of items; and
value of items the digital coupon is to be applied to.
10 . (canceled)
11 . A machine-readable storage medium comprising instructions, which when executed, by one or more processors within a payment transaction processing system, cause the payment transaction processing system to:
receive a payment request from a user, the payment request including transaction data allowing the payment transaction processing system to transfer funds between the user and a merchant and also including a reference to a digital coupon associated with an item included in the payment request, the reference identifying the digital coupon maintained by a coupon issuer;
access the digital coupon using the reference received from the user within the payment request, the digital coupon received, over a network connection, from the coupon issuer;
validate the digital coupon to create a validated digital coupon;
apply the validated digital coupon against the payment request to create a revised payment request; and
process a transfer of funds between the user and the merchant based on the revised payment request.
12 . The machine-readable storage medium of claim 11 , wherein the instructions which cause the payment transaction processing system to apply the validated digital coupon include instructions which cause the payment transaction processing system to obtain approval from the user regarding the revised payment request.
13 . The machine-readable storage medium of claim 12 , wherein the instructions which cause the payment transaction processing system to obtain approval from the user include instructions which cause the payment transaction processing system to send the user the revised payment request.
14 . The machine-readable storage medium of claim 13 , wherein the instructions which cause the payment transaction processing system to send the user the revised payment request include instructions which cause the payment transaction processing system to send a revised invoice, wherein the revised invoice includes an item referenced by the digital coupon.
15 . The machine-readable storage medium of claim 11 , wherein the instructions which cause the payment transaction processing system to receive the payment request include instructions which cause the payment transaction processing system to receive an invoice generated by the merchant.
16 . The machine-readable storage medium of claim 11 , wherein the instructions which cause the payment transaction processing system to receive the payment request include instructions which cause the payment transaction processing system to receive a user ID associated with the user and a merchant ID associated with the merchant, the user ID and merchant ID being sufficient information for the payment transaction processing system to transfer funds between the user and the merchant.
17 . The machine-readable storage medium of claim 11 , wherein the instructions which cause the payment transaction processing system to validate the digital coupon include instructions which cause the payment transaction processing system to decrypt the digital coupon.
18 . The method of claim 11 , wherein the instructions which cause the payment transaction processing system to validate the digital coupon include instructions which cause the payment transaction processing system to receive confirmation of the coupon from the merchant.
19 . The method of claim 18 , wherein the instructions which cause the payment transaction processing system to receive confirmation of the digital coupon include instructions which cause the payment transaction processing system to receive confirmation of one or more of the following aspects of a digital coupon:
value of the digital coupon;
expiration date;
applicable item;
applicable category of items; and
value of items the digital coupon is to be applied to.
20 . (canceled)
21 . The machine-readable storage medium of claim 1 , wherein the instructions which cause the payment transaction processing system to receive the digital coupon from the coupon creator include instructions which cause the payment transaction processing system to receive a key, for decrypting the digital coupon, from the coupon creator.
22 . A system comprising:
a network;
a payment transaction processing server including a network adaptor coupled to the network and a processor coupled to a tangible machine-readable storage medium, the machine-readable storage medium including instructions, which when executed by the processor cause the payment transaction processing server to:
receive, over the network, a payment request from a user, the payment request including transaction data allowing the payment transaction processing server to transfer funds between the user and a merchant and also including a reference to a digital coupon associated with an item included in the payment request, the reference identifying the digital coupon maintained by a coupon issuer;
access the digital coupon using the reference received from the user within the payment request, the digital coupon received, over the network, from the coupon issuer;
validate the digital coupon to create a validated digital coupon;
apply the validated digital coupon against the payment request to create a revised payment request; and
process a transfer of funds between the user and the merchant based on the revised payment request.