Sending a counter-offer to use an alternate payment option
View Patent ↗In a method for sending a counter-offer in response to receiving an indication about a point-of-sale transaction, a computer receives from a point-of-sale program a point-of-sale transaction and an indication that the point-of-sale transaction is to be paid for utilizing a first payment option and is to be recorded using a second payment option. The computer determines that a counter-offer is appropriate. The counter-offer includes a request that the point-of-sale transaction be paid for utilizing the second payment option. The computer sends to the point-of-sale program the counter-offer.
1. A method for sending a counter-offer in response to receiving an indication about a point-of-sale transaction, the method comprising the steps of:
a computer receiving an indication from a point-of-sale program that a point-of-sale transaction is to be logged to a cardholder's credit card account but paid for with another payment option;
the computer determining that a counter-offer is appropriate, wherein the counter-offer comprises a request that the point-of-sale transaction be paid for utilizing the cardholder's credit card account; and
the computer sending to the point-of-sale program the counter-offer.
2. The method of claim 1 , further comprising the steps of:
the computer receiving an indication that the counter-offer is accepted; and
the computer processing the point-of-sale transaction utilizing the cardholder's credit card account.
3. The method of claim 1 , further comprising the steps of:
the computer receiving an indication that the counter-offer is not accepted; and
the computer logging the point-of-sale transaction to the cardholder's credit card account.
4. The method of claim 1 , wherein the counter-offer further comprises an incentive to entice the cardholder to complete the point-of-sale transaction utilizing the cardholder's credit card account.
5. A computer program product for sending a counter-offer in response to receiving an indication about a point-of-sale transaction, the computer program product comprising:
one or more computer-readable hardware storage media and program instructions stored on the one or more computer-readable hardware storage media, the program instructions comprising:
program instructions to receive an indication from a point-of-sale program that a point-of-sale transaction is to be logged to a cardholder's credit card account but paid for with another payment option;
program instructions to determine that a counter-offer is appropriate, wherein the counter-offer comprises a request that the point-of-sale transaction be paid for utilizing the cardholder's credit card account; and
program instructions to send to the point-of-sale program the counter-offer.
6. The computer program product of claim 5 , further comprising:
program instructions, stored on the one or more computer-readable hardware storage media, to receive an indication that the counter-offer is accepted; and
program instructions, stored on the one or more computer-readable hardware storage media, to process the point-of-sale transaction utilizing the cardholder's credit card account.
7. The computer program product of claim 5 , further comprising:
program instructions, stored on the one or more computer-readable hardware storage media, to receive an indication that the counter-offer is not accepted; and
program instructions, stored on the one or more computer-readable hardware storage media, to log the point-of-sale transaction to the cardholder's credit card account.
8. The computer program product of claim 5 , wherein the counter-offer further comprises an incentive to entice the cardholder to complete the point-of-sale transaction utilizing the cardholder's credit card account.
9. A computer system for sending a counter-offer in response to receiving an indication about a point-of-sale transaction, the computer system comprising:
one or more computer processors;
one or more computer-readable storage media;
program instructions stored on the computer-readable storage media for execution by at least one of the one or more processors, the program instructions comprising:
program instructions to receive an indication from a point-of-sale program that a point-of-sale transaction is to be logged to a cardholder's credit card account but paid for with another payment option;
program instructions to determine that a counter-offer is appropriate, wherein the counter-offer comprises a request that the point-of-sale transaction be paid for utilizing the cardholder's credit card account; and
program instructions to send to the point-of-sale program the counter-offer.
10. The computer system of claim 9 , further comprising:
program instructions, stored on the one or more computer-readable storage media, to receive an indication that the counter-offer is accepted; and
program instructions, stored on the one or more computer-readable storage media, to process the point-of-sale transaction utilizing the cardholder's credit card account.
11. The computer system of claim 9 , further comprising:
program instructions, stored on the one or more computer-readable storage media, to receive an indication that the counter-offer is not accepted; and
program instructions, stored on the one or more computer-readable storage media, to log the point-of-sale transaction utilizing the cardholder's credit card account.
12. The computer system of claim 9 , wherein the counter-offer further comprises an incentive to entice the cardholder to complete the point-of-sale transaction utilizing the cardholder's credit card account.