Cynthia L Ryan

US Patent:

20060053056, Mar 9, 2006

Filed:

Aug 22, 2005

Appl. No.:

11/161906

Inventors:

Jennifer Alspach-Goss - London, GB
Colleen Crino - New York NY, US
Srinivas Kolla - Phoenix AZ, US
Mark Robinson - Peoria AZ, US
Julia Russell - River Edge NJ, US
Cynthia Ryan - Sunrise FL, US
Edward Vittoria - Riverside CT, US
Theodore Voltmer - Caldwell NJ, US

Assignee:

AMERICAN EXPRESS MARKETING & DEVELOPMENT CORPORATI - New York NY

International Classification:

G06Q 30/00
G06Q 40/00

US Classification:

705014000, 705039000

Abstract:

A method and apparatus to facilitate giving a discount to a consumer subsequent to a point of sale purchase. A merchant, manufacturer, and/or a consumer agree in advance with a financial account issuer to give a discount on qualifying purchases. The merchant and/or manufacturer may access an intranet provided by the financial account issuer and input instructions related to one or more discount programs. During a point of sale purchase, a consumer and merchant agree to a purchase price for a particular good and/or service being purchased by the consumer. The merchant requests payment authorization from the financial account issuer for the full (gross), agreed upon purchase price. If the purchase qualifies for a discount under one or more discount programs, the consumer's financial account is charged the full, agreed upon purchase price, and subsequently credited one or more discounts the transaction qualifies for without the consumer needing to perform a secondary task(s).