Granted Patent B2

US 12,620,005 · App. 17/654,152 · Granted May 5, 2026

Inventors: Jacob Matthew Sterling (Creve Coeur, MO); Brent Alan Badger (Powell, OH)

Assignee: Worldpay, LLC

G06Q30/0268G06Q20/40

Abstract

Claims (54)

1 . An electronic transaction modification method, the method comprising:

receiving, by an acquirer computing system, anonymized and aggregated transaction data from an issuer computing system;

processing, by the acquirer computing system, the anonymized and aggregated transaction data to generate a segment definition, wherein the segment definition is dynamically adjusted based on frequency of transactions within a time threshold, frequency of transactions within a geographic radius, historical transaction behavior, and user engagement metrics;

storing, by the acquirer computing system, the segment definition in an offers cache of the acquirer computing system, the offers cache maintaining summary level campaign data and promotion data associated with the segment definition that are locally retrievable by the acquirer computing system during in-stream validation and redemption, reducing data-retrieval latency and maintaining required service level response time;

displaying, by the acquirer computing system and via an interface to a computing device of a promotion manager, information that identifies the segment definition and a total number of payment vehicle holders included in the segment definition based on the anonymized and aggregated transaction data;

receiving, by the acquirer computing system and via the interface, promotion parameters associated with a promotion to be applied to electronic transactions, wherein the promotion parameters include the segment definition that identifies that the promotion is applicable to at least one of a customer and a merchant;

receiving, by the acquirer computing system, a first electronic transaction associated with a customer from one or more point of sale (POS) systems;

determining, by the acquirer computing system, that a transaction modification is applicable to the first electronic transaction based on the promotion parameters, received via the interface, that include the segment definition that identifies that the promotion is applicable to the at least one of the customer and the merchant;

validating and redeeming, by the acquirer computing system utilizing one or more computer assets and processes, the promotion, in-stream with an authorization process between the POS systems and the acquirer computing system, wherein the acquirer computing system accesses the offers cache and retrieves the segment definition, the summary level campaign data, and the promotion data for local validation and redemption without external data calls, reducing latency in transaction response time;

updating, by the acquirer computing system, the promotion data in the offers cache for the redeemed promotion, wherein the redeemed promotion is marked as redeemed, preventing application of the value of the redeemed promotion toward future transactions;

generating, by the acquirer computing system, a second electronic transaction based on the first electronic transaction by modifying an amount of the first electronic transaction; and

transmitting, by the acquirer computing system, the second electronic transaction to the issuer computing system.

2 . The method of claim 1 , the method further comprising:

transmitting, from the acquirer computing system to the one or more point of sale (POS) systems, an authorization response in accordance to the second electronic transaction, the authorization response including an additional message resolving a discrepancy between the first electronic transaction and the second electronic transaction.

3 . The method of claim 1 , wherein the customer is identifiable to the acquirer computing system based on a plurality of cards affiliated with the customer.

4 . The method of claim 1 , wherein at least one of the one or more point of sale (POS) systems is operated by the merchant, further comprising:

transmitting, by the acquirer computing system, a net settlement based on the electronic transaction to the merchant.

5 . A system, comprising:

one or more computer readable media storing instructions for executing an electronic transaction modification; and

one or more processors configured to execute the instructions to perform operations comprising:

receiving, by an acquirer computing system, anonymized and aggregated transaction data from an issuer computing system;

processing, by the acquirer computing system, the anonymized and aggregated transaction data to generate a segment definition, wherein the segment definition is dynamically adjusted based on frequency of transactions within a time threshold, frequency of transactions within a geographic radius, historical transaction behavior, and user engagement metrics;

storing, by the acquirer computing system, the segment definition in an offers cache of the acquirer computing system, the offers cache maintaining summary level campaign data and promotion data associated with the segment definition that are locally retrievable by the acquirer computing system during in-stream validation and redemption, reducing data-retrieval latency and maintaining required service level response time;

displaying, by the acquirer computing system and via an interface to a computing device of a promotion manager, information that identifies the segment definition and a total number of payment vehicle holders included in the segment definition based on the anonymized and aggregated transaction data;

receiving, by the acquirer computing system and via the interface, promotion parameters associated with a promotion to be applied to electronic transactions, wherein the promotion parameters include the segment definition that identifies that the promotion is applicable to at least one of a customer and a merchant;

receiving, by the acquirer computing system, a first electronic transaction associated with a customer from one or more point of sale (POS) systems;

determining, by the acquirer computing system, that a transaction modification is applicable to the first electronic transaction based on the promotion parameters, received via the interface, that include the segment definition that identifies that the promotion is applicable to the at least one of the customer and the merchant;

validating and redeeming, by the acquirer computing system utilizing one or more computer assets and processes, the promotion, in-stream with an authorization process between the POS systems and the acquirer computing system, wherein the acquirer computing system accesses the offers cache and retrieves the segment definition, the summary level campaign data, and the promotion data for local validation and redemption without external data calls, reducing latency in transaction response time;

updating, by the acquirer computing system, the promotion data in the offers cache for the redeemed promotion, wherein the redeemed promotion is marked as redeemed, preventing application of the value of the redeemed promotion toward future transactions;

generating, by the acquirer computing system, a second electronic transaction based on the first electronic transaction by modifying an amount of the first electronic transaction; and

transmitting, by the acquirer computing system, the second electronic transaction to the issuer computing system.

6 . The system of claim 5 , wherein the one or more processors are configured to execute the instructions to perform additional operations comprising:

transmitting, from the acquirer computing system to the one or more point of sale (POS) systems, an authorization response in accordance to the second electronic transaction, the authorization response including an additional message resolving a discrepancy between the first electronic transaction and the second electronic transaction.

7 . The system of claim 5 , wherein the customer is identifiable to the acquirer computing system based on a plurality of cards affiliated with the customer.

8 . The system of claim 5 , wherein at least one of the one or more point of sale (POS) systems is operated by the merchant, and

wherein the operations further comprises:

transmitting, by the acquirer computing system, a net settlement based on the electronic transaction to the merchant.

9 . A non-transitory computer-readable medium storing instructions for executing an electronic transaction modification, the instructions, when executed by one or more processors, causing the one or more processors to perform operations comprising:

receiving, by an acquirer computing system, anonymized and aggregated transaction data from an issuer computing system;

processing, by the acquirer computing system, the anonymized and aggregated transaction data to generate a segment definition, wherein the segment definition is dynamically adjusted based on frequency of transactions within a time threshold, frequency of transactions within a geographic radius, historical transaction behavior, and user engagement metrics;

storing, by the acquirer computing system, the segment definition in an offers cache of the acquirer computing system, the offers cache maintaining summary level campaign data and promotion data associated with the segment definition that are locally retrievable by the acquirer computing system during in-stream validation and redemption, reducing data-retrieval latency and maintaining required service level response time;

displaying, by the acquirer computing system and via an interface to a computing device of a promotion manager, information that identifies the segment definition and a total number of payment vehicle holders included in the segment definition based on the anonymized and aggregated transaction data;

receiving, by the acquirer computing system and via the interface, promotion parameters associated with a promotion to be applied to electronic transactions, wherein the promotion parameters include the segment definition that identifies that the promotion is applicable to at least one of a customer and a merchant;

receiving, by the acquirer computing system, a first electronic transaction associated with a customer from one or more point of sale (POS) systems;

determining, by the acquirer computing system, that a transaction modification is applicable to the first electronic transaction based on the promotion parameters, received via the interface, that include the segment definition that identifies that the promotion is applicable to the at least one of the customer and the merchant;

validating and redeeming, by the acquirer computing system utilizing one or more computer assets and processes, the promotion, in-stream with an authorization process between the POS systems and the acquirer computing system, wherein the acquirer computing system accesses the offers cache and retrieves the segment definition, the summary level campaign data, and the promotion data for local validation and redemption without external data calls, reducing latency in transaction response time;

updating, by the acquirer computing system, the promotion data in the offers cache for the redeemed promotion, wherein the redeemed promotion is marked as redeemed, preventing application of the value of the redeemed promotion toward future transactions;

generating, by the acquirer computing system, a second electronic transaction based on the first electronic transaction by modifying an amount of the first electronic transaction; and

transmitting, by the acquirer computing system, the second electronic transaction to the issuer computing system.

10 . The non-transitory computer-readable medium of claim 9 , wherein the customer is identifiable to the acquirer computing system based on a plurality of cards affiliated with the customer.

11 . The non-transitory computer-readable medium of claim 9 , wherein at least one of the one or more point of sale (POS) systems is operated by the merchant, and

wherein the operations further comprises:

transmitting, by the acquirer computing system, a net settlement based on the electronic transaction to the merchant; and

transmitting, from the acquirer computing system to one or more point of sale systems, an authorization response in accordance to the second electronic transaction, the authorization response including an additional message resolving a discrepancy between the first electronic transaction and the second electronic transaction.

Assignments (6)

Continuity (4)

References Cited (28)