{
  "patent_number": "US 10163106",
  "country": "US",
  "title": "How Visa Processes Targeted Discounts on Specific Items During Checkout",
  "original_title": "Systems and methods using a data structure summarizing item information in authorization request messages for communication in transactions involving multiple items",
  "summary": "A system for payment networks to automatically apply discounts to specific categories of items within a single transaction while correctly calculating taxes.",
  "what_it_does": "This patent describes a way for a payment processor to handle complex transactions where a customer buys items from different tax or discount categories at once. The system receives a message from a merchant that breaks down the total purchase into sub-amounts based on item categories and their specific tax rates. The processor then checks its internal database to see if any of those categories qualify for a discount. If they do, it calculates a new, reduced total transaction amount—while keeping the tax math accurate—and sends this updated amount to the bank for final approval.",
  "what_it_does_not_cover": [
    "Does not cover simple discounts applied to the entire transaction total regardless of item category.",
    "Does not cover manual discount processing that happens at the point-of-sale terminal before the authorization request is sent.",
    "Does not cover systems that do not aggregate items by category code or tax rate in the authorization message."
  ],
  "filed": "2015-04-07",
  "granted": "2018-12-25",
  "expires": null,
  "status": "active",
  "holder": "Visa International Service Association",
  "holder_url": "https://patentbrief.org/company/visa-international-service-association",
  "inventors": [
    {
      "name": "Kalpana Jogi",
      "url": "https://patentbrief.org/inventor/kalpana-jogi"
    },
    {
      "name": "Michael Steven Bankston",
      "url": "https://patentbrief.org/inventor/michael-steven-bankston"
    },
    {
      "name": "Tirtha Mauli Sarkar",
      "url": "https://patentbrief.org/inventor/tirtha-mauli-sarkar"
    },
    {
      "name": "Ilker Celikyilmaz",
      "url": "https://patentbrief.org/inventor/ilker-celikyilmaz"
    },
    {
      "name": "Thoithoi Chingakham",
      "url": "https://patentbrief.org/inventor/thoithoi-chingakham"
    },
    {
      "name": "Sivakumar Seshappan",
      "url": "https://patentbrief.org/inventor/sivakumar-seshappan"
    },
    {
      "name": "Darpan Dewan",
      "url": "https://patentbrief.org/inventor/darpan-dewan"
    },
    {
      "name": "Raman Chinnappan",
      "url": "https://patentbrief.org/inventor/raman-chinnappan"
    }
  ],
  "times_cited": 1,
  "tags": [
    "finance",
    "ecommerce",
    "telecommunications"
  ],
  "abstract": "A system and method includes an authorization request message configured with information about transaction amounts of items aggregated according to item categories and applicable rates for the items in the respective categories. Based on the information provided in the authorization request, a transaction handler is configured to compute a modified transaction amount for the transaction by reducing the transaction amount of items in one or more of the categories, without reducing the transaction amount(s) of items in one or more other categories, and computing a total transaction amount based on the reduction and the applicable rates.",
  "url": "https://patentbrief.org/patent/us/10163106/stripe-radar",
  "markdown_url": "https://patentbrief.org/patent/us/10163106/stripe-radar/md",
  "google_patents_url": "https://patents.google.com/patent/US10163106",
  "relatedPatents": []
}