Opt in System and Method

Abstract

An opt-in system includes a point-of-sale device including a payment device reader. The point-of-sale device is configured to receive, from a payment device associated with a user, payment device information for conducting a transaction, present, through at least one user interface, at least one offer to opt-in to a rewards or loyalty program associated with a commercial entity, receive a user response to the at least one offer to opt-in to the rewards or loyalty program, in response to receiving the user response, automatically fill out an application for the rewards or loyalty program based on the payment device information received from the payment device, and generate a transaction authorization request message based on the user response and transaction information associated with the transaction.

What is claimed is: 
     
         1 . An opt-in system comprising a point-of-sale device including a payment device reader, the point-of-sale device configured to:
 receive, from a payment device associated with a user, payment device information for conducting a transaction;   present, through at least one user interface, at least one offer to opt-in to a rewards or loyalty program associated with a commercial entity;   receive a user response to the at least one offer to opt-in to the rewards or loyalty program;   in response to receiving the user response, automatically fill out an application for the rewards or loyalty program based on the payment device information received from the payment device; and   generate a transaction authorization request message based on the user response and transaction information associated with the transaction.   
     
     
         2 . The opt-in system of  claim 1 , further comprising printing a receipt for the transaction and a coupon based on the user response. 
     
     
         3 . The opt-in system of  claim 1 , wherein generating the transaction authorization request message comprises:
 combining and formatting the transaction information and the user response into formatted information; and   including the formatted information in the transaction authorization request message.   
     
     
         4 . The opt-in system of  claim 1 , wherein the payment device information comprises a customer exclusive data field. 
     
     
         5 . The opt-in system of  claim 4 , wherein the customer exclusive data field comprises at least one of the following: loyalty or rewards program information, promotional deal information, or any combination thereof. 
     
     
         6 . The opt-in system of  claim 4 , wherein the customer exclusive data field on the payment device is configured by the payment device reader. 
     
     
         7 . The opt-in system of  claim 4 , wherein generating the transaction authorization request message comprises embedding the user response in the customer exclusive data field. 
     
     
         8 . The opt-in system of  claim 4 , wherein the user response is embedded in the transaction authorization request message. 
     
     
         9 . A computer-implemented method for opting-in to a rewards or loyalty program through a point-of-sale device, the point-of-sale device including a payment device reader, comprising:
 receiving, from a payment device associated with a user, payment device information for conducting a transaction;   presenting, by the point-of-sale device through at least one user interface, at least one offer to opt-in to the rewards or loyalty program;   receiving a user response to the at least one offer to opt-in to the rewards or loyalty program;   in response to receiving the user response, automatically filling out, by the point-of-sale device, an application for the rewards or loyalty program based on the payment device information received from the payment device; and   generating a transaction authorization request message based on the user response and transaction information associated with the transaction.   
     
     
         10 . The computer-implemented method of  claim 9 , further comprising printing a receipt for the transaction and a coupon based on the user response. 
     
     
         11 . The computer-implemented method of  claim 9 , wherein generating the transaction authorization request message comprises:
 combining and formatting the transaction information and the user response into formatted information; and   including the formatted information in the transaction authorization request message.   
     
     
         12 . The computer-implemented method of  claim 9 , wherein the payment device information comprises a customer exclusive data field. 
     
     
         13 . The computer-implemented method of  claim 12 , wherein the customer exclusive data field comprises at least one of the following: loyalty or rewards program information, promotional deal information, or any combination thereof. 
     
     
         14 . The computer-implemented method of  claim 12 , wherein the customer exclusive data field on the payment device is configured by the payment device reader. 
     
     
         15 . The computer-implemented method of  claim 12 , wherein generating the transaction authorization request message comprises embedding the user response in the customer exclusive data field. 
     
     
         16 . The computer-implemented method of  claim 12 , wherein the user response is embedded in the transaction authorization request message. 
     
     
         17 . A point-of-sale device comprising:
 a user interface; and   a payment device reader in communication with the user interface, the payment device reader configured to:
 receive payment device information from a payment device associated with a user conducting a transaction with a merchant; 
 present, through the user interface, at least one offer to opt-in to a rewards or loyalty program associated with a commercial entity; 
 receive a user response to the at least one offer to opt-in to the rewards or loyalty program; 
 in response to receiving the user response, automatically fill out an application for the rewards or loyalty program based on the payment device information received from the payment device; and 
 generate a transaction authorization request message based on the user response and transaction information associated with the transaction. 
   
     
     
         18 . The point-of-sale device of  claim 17 , wherein generating the transaction authorization request message comprises:
 combining and formatting the transaction information and the user response into formatted information; and   including the formatted information in the transaction authorization request message.   
     
     
         19 . The point-of-sale device of  claim 17 , wherein the payment device information comprises a customer exclusive data field. 
     
     
         20 . The point-of-sale device of  claim 19 , wherein generating the transaction authorization request message comprises embedding the user response in the customer exclusive data field.