Offer insertion system

Abstract

The invention provides a computer system and method for managing electronic transactions. A plurality of consumer and merchant accounts are stored in a data store. Each consumer account has a first consumer account identifier. Each merchant account has a merchant account identifier. A merchant offer is stored in the data store in association with the merchant account having the respective merchant account identifier. A push module associates the merchant offer with the consumer account identifier. A communication and routing module receives a charge request over the network interface device, the charge request including an amount and a second consumer account identifier and identifies a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier. A transaction processing system that processes the charge request based on an account detail of the selected consumer account.

What is claimed: 
     
         1 . A computer system for managing electronic transactions, comprising:
 a server computer system including:
 a processor; 
 a computer-readable medium connected to the processor; 
 a network interface device connected to the processor; and 
 a set of data on the computer-readable medium, including:
 a data store; 
 a plurality of consumer accounts stored in the data store by the processor, each consumer account having a respective phone number as a respective consumer account identifier; 
 a lookup table that includes a plurality of consumer account identifiers and a plurality of phone numbers stored in the data store by the processor, each consumer account identifier in the lookup table having a respective phone number in the lookup table associated therewith; 
 a communication and routing module including a point-of-sale gateway that receives, with the processor, a charge request over the network interface device, the charge request including an amount and a consumer account identifier, wherein the consumer account identifier in the charge request is an individual account identifier forming at least part of a personal account number; 
 a phone number lookup module identifying, with the processor, a selected one of the phone numbers by associating the consumer account identifier received from the charge request with one of the individual account identifiers in the lookup table, and thereby identifies a selected one of the consumer accounts by associating one of the phone numbers in the lookup table with the selected phone number received from the lookup table; and 
 a transaction processing system that processes, with the processor, the charge request based on an account detail of the selected consumer account identified by the respective phone number of the selected consumer account. 
 
   
     
     
         2 . The computer system of  claim 1 , wherein the set of data further includes:
 an interface for the consumer account transmitted over the network interface device to a consumer computer system, the interface for the consumer account including details of the consumer account.   
     
     
         3 . The computer system of  claim 1 , wherein the set of data further includes:
 a plurality of merchant accounts stored in the data store with the processor, each merchant account having a merchant account identifier;   an interface for the merchant account, the interface for the merchant account being transmitted, with the processor, over the network interface device to a merchant computer system, the interface for the merchant account allowing for entry of a merchant offer into the merchant interface and transmission of the merchant offer;   the merchant offer being received, with the processor, from the merchant computer system over the network interface device;   the merchant offer being stored, with the processor, in the data store in association with the merchant account having the respective merchant account identifier; and   the merchant offer being transmitted, with the processor, over the network interface device.   
     
     
         4 . The computer system of  claim 3 , wherein the merchant offer is a voucher entry including a discount, the data further comprising:
 a voucher redemption system identifying, with the processor, a selected one of the voucher entries, wherein the transaction processing system includes:   an account lookup and debit module that adjusts, with the processor, the first amount to a second amount that is less than the first amount based on the discount of the selected voucher entry, and processes the second amount based on the account detail of the selected consumer account.   
     
     
         5 . The computer system of  claim 4 , the set of data further comprising:
 a push module associating, with the processor, the merchant offer with the consumer account identifier, the processor processing the merchant offer based on the association of the merchant offer with the consumer account identifier.   
     
     
         6 . The computer system of  claim 5 , wherein the processing of the merchant offer includes transmitting the merchant offer over the network interface device to a mobile device based on an identifier in the consumer account having the consumer account identifier. 
     
     
         7 . The computer system of  claim 1 , wherein the set of data further includes:
 a stored value, stored by the processor, in the consumer account;   a funding module receiving, with the processor, a top-up instruction from a consumer account funding infrastructure, and increasing the stored value based on the top-up instruction.   
     
     
         8 . The computer system of  claim 7 , wherein the set of data further includes:
 a payment source storing module storing, with the processor, a plurality of payment sources associated with the respective consumer account having the respective consumer account identifier;   a payment source selector set, with the processor, upon receiving a payment source selection over the network interface device to indicate a selected one of the payment sources;   the payment source selector indicating, with the processor, a selected one of the payment sources based on the payment source selection; and   the transaction processing system determining, with the processor, a payment source selected with the payment source selector, wherein the charge request is processed based on the payment source selected by the payment source selector.   
     
     
         9 . A computer-based method of managing electronic transactions, comprising:
 storing, with a processor, a plurality of consumer accounts in a data store, each consumer account having a respective phone number as a respective consumer account identifier;   storing, with a processor, a lookup table that includes a plurality of consumer account identifiers and a plurality of phone numbers in the data store, each consumer account identifier in the lookup table having a respective phone number in the lookup table associated therewith;   receiving, with the processor, a charge request over the network interface device, the charge request including an amount and a consumer account identifier, wherein the consumer account identifier in the charge request is an individual account identifier forming at least part of a personal account number;   identifying, with the processor, a selected one of the phone numbers in the lookup table by associating the consumer account identifier received from the charge request with one of the consumer account identifiers in the lookup table and thereby identifying a selected one of the consumer accounts by associating one of the phone numbers with the selected phone number received from the lookup table; and   processing, with the processor, the charge request based on an account detail of the selected consumer account identified by the respective phone number of the selected consumer account.   
     
     
         10 . The method of  claim 9 , further comprising:
 transmitting an interface for the consumer account over the network interface device to a consumer computer system, the interface for the consumer account including details of the consumer account.   
     
     
         11 . The method of  claim 9 , further comprising:
 storing, with the processor, a plurality of merchant accounts in the data store, each merchant account having a merchant account identifier;   transmitting, with the processor, an interface for the merchant account over the network interface device to a merchant computer system, the interface for the merchant account allowing for entry of a merchant offer into the merchant interface and transmission of the merchant offer;   receiving, with the processor, the merchant offer from the merchant computer system over the network interface device;   storing, with the processor, the merchant offer in the data store in association with the merchant account having the respective merchant account identifier; and   transmitting, with the processor, the merchant offer over the network interface device.   
     
     
         12 . The method of  claim 11 , wherein the amount in the charge request is a first amount, the merchant offer being a voucher entry including a discount, further comprising:
 identifying, with the processor, a selected one of the voucher entries, wherein the processing of the charge request includes:   adjusting the first amount to a second amount that is less than the first amount based on the discount of the selected voucher entry; and   processing, with the processor, the second amount based on the account detail of the selected consumer account.   
     
     
         13 . The method of  claim 12 , further comprising:
 associating, with the processor, the merchant offer with the consumer account identifier; and   processing, with the processor, the merchant offer based on the association of the merchant offer with the consumer account identifier.   
     
     
         14 . The method of  claim 13 , wherein the processing of the merchant offer includes transmitting the merchant offer over the network interface device to a mobile device based on an identifier in the consumer account having the consumer account identifier. 
     
     
         15 . The method of  claim 9 , further comprising:
 saving, with the processor, a stored value in the consumer account;   receiving, with the processor, a top-up instruction from a consumer account funding infrastructure; and   increasing, with the processor, the stored value based on the top-up instruction.   
     
     
         16 . The method of  claim 9 , further comprising:
 storing, with the processor, a plurality of payment sources associated with the respective consumer account having the respective consumer account identifier;   receiving, with the processor, a payment source selection over the network interface device to indicate a selected one of the payment sources;   setting, with the processor, a payment source selector to indicate a selected one of the payment sources based on the payment source selection; and   determining, with the processor, a payment source selected with the payment source selector, wherein the charge request is processed based on the payment source selected by the payment source selector.