Visa Inc.
Systems and methods to apply values from stored value accounts to payment transactions

Abstract:

A system includes a transaction handler configured to communicate with a first issuer processor to maintain a balance of a stored value account, store an offer in association with the stored value account and a consumer account that is under control of a second issuer processor, detect in the consumer account a transaction satisfying requirements of the offer, apply at least a portion of the balance of the stored value account to the transaction, determine a reduced transaction amount for the transaction after applying at least the portion of the balance of the stored value account to the transaction, and communicate with the second issuer processor for an authorization response for the transaction of the reduced transaction amount in the consumer account.