Redemption network with transaction sequencer

Abstract

A transaction sequencer that comprises a processor, a non-transitory memory, and an application stored in the non-transitory memory. The application receives a message comprising information about a first purchase item, wherein the message was created by a point-of-sale after a filtering step that assured that the first purchase item is associated with a master approved item list, searches a plurality of different approved product lists using the information about the first item, wherein the plurality of different approved product lists comprise a first approved product list and a second approved product list, creates a first transaction based on finding the first item in the first approved product list, transmits the first transaction to a first transaction processing system, receives a first response from the first transaction processing system, bundles the first response in a unified response, and transmits the unified response.

What is claimed is: 
     
         1 . A transaction sequencer, comprising:
 a processor;   a non-transitory memory; and   an application stored in the non-transitory memory that, when executed by the processor
 receives a payment transaction message comprising information about a first purchase item, wherein the payment transaction message was created by a point-of-sale (POS) after a filtering step that assured that the first purchase item is associated with a master approved item list, 
 searches a plurality of different approved product lists using the information about the first purchase item, wherein the plurality of different approved product lists comprise a first approved product list and a second approved product list, 
 creates a first transaction based on finding the first purchase item in the first approved product list, 
 transmits the first transaction to a first transaction processing system, 
 receives a first response from the first transaction processing system, 
 bundles the first response in a unified response, and 
 transmits the unified response. 
   
     
     
         2 . The transaction sequencer of  claim 1 , wherein the payment transaction message further comprises information about a second purchase item, wherein the payment transaction message was created by the point-of-sale after a filtering step that assured that the second purchase item is associated with the master approved item list, wherein the application further:
 creates a second transaction based on finding the second purchase item in the second approved product list,   transmits the second transaction to a second transaction processing system,   receives a second response to the second transaction processing system,   bundles the second response in a unified response, and   transmits the unified response.   
     
     
         3 . The transaction sequencer of  claim 2 , wherein the first transaction processing system and the second transaction processing system are the same transaction processing system. 
     
     
         4 . The transaction sequencer of  claim 1 , wherein the payment transaction message identifies a payment entity, wherein the payment entity is associated with the first approved product list and with the second approved product list. 
     
     
         5 . The transaction sequencer of  claim 4 , wherein the first purchase item is identified in both the first approved product list and in the second approved product list, wherein the first transaction requests payment from a first payment account associated with the first approved product list based on evaluating a rule defined by the payment entity. 
     
     
         6 . The transaction sequencer of  claim 1 , wherein the first product list comprises one of a food stamp approved product list, a flexible spending account (FSA) approved product list, a wellness program approved product list, or a women, infants, and children (WIC) approved product list. 
     
     
         7 . The transaction sequencer of  claim 1 , wherein the payment transaction message is received from a point-of-sale terminal and the unified response is sent to the point-of-sale terminal. 
     
     
         8 . An approved product list management system, comprising:
 a processor;   a non-transitory memory; and   an application stored in the non-transitory memory that, when executed by the processor,
 builds a first master approved product list that identifies the products identified in a plurality of approved product lists, 
 transmits the first master approved product list to a first point-of-sale terminal and to a second point-of-sale terminal, 
 builds a second master approved product list based on a change in one of the approved product lists, and 
 transmits the second master approved product list to the first point-of-sale terminal and to the second point-of-sale terminal. 
   
     
     
         9 . The approved product list management system of  claim 8 , wherein the plurality of approved product lists comprise at least one of a food stamp approved product list, a flexible spending account (FSA) approved product list, a wellness program approved product list, or a women, infants, and children (WIC) approved product list. 
     
     
         10 . The approved product list management system of  claim 8 , wherein the first point-of-sale terminal is associated with a first business, wherein the second point-of-sale terminal is associated with a second business, and wherein the first business is different from the second business. 
     
     
         11 . The approved product list management system of  claim 8 , wherein the application is designed to exclude duplicate products entries from the master approved product lists. 
     
     
         12 . The approved product list management system of  claim 8 , wherein the application further transmits the change in the one of the approved product list to a transaction sequencer, wherein the transaction sequencer receives transaction requests from the first and second point-of-sale terminals and transmits transaction responses to the first and second point-of-sale terminals. 
     
     
         13 . A method of payment transaction handling, comprising:
 receiving a first transaction message comprising identification of a first purchase item, wherein the first purchase item is identified in a master approved product list propagated to a plurality of point-of-sale terminals;   searching a first approved product list for the first purchase item, where the first approved product list is associated with a first payment program identified in the first transaction message and all the items in the first approved product list are identified in the master approved product list;   when the first approved product list comprises the first purchase item, completing a payment transaction for the first purchase item;   receiving a second transaction message comprising identification of a second purchase item, wherein the second purchase item is identified in the master approved product list;   searching a second approved product list for the second purchase item, where the second approved product list is associated with a second payment program identified in the second transaction message, where all the items in the second approved product list are identified in the master approved product list, and where the first approved product list is different from the second approved product list; and   when the second approved product list comprises the second purchase item, completing a payment transaction for the second purchase item.   
     
     
         14 . The method of payment transaction handling of  claim 13 , wherein the first payment plan is identified by a bank identification number (BIN) in the first transaction message. 
     
     
         15 . The method of payment transaction handling of  claim 13 , wherein the first transaction message comprises identification of a third purchase item, wherein the third item is identified in the master approved product list, further comprising:
 searching a third approved product list for the third purchase item, where the third approved product list is associated with the first payment program identified in the first transaction message and all the items in the third approved product list are identified in the master approved product list; and   when the third approved product list comprises the third purchase item, completing a payment transaction for the third purchase item.   
     
     
         16 . The method of payment transaction handling of  claim 15 , wherein completing the payment transaction for the first purchase item comprises creating a first ISO 8583 transaction and transmitting the first ISO 8583 transaction to a first transaction processing system and wherein completing the payment transaction for the third purchase item comprises creating a second ISO 8583 transaction and transmitting the second ISO 8583 transaction to a second transaction processing system. 
     
     
         17 . The method of payment transaction handling of  claim 16 , wherein the first transaction processing system is the same as the second transaction processing system. 
     
     
         18 . The method of payment transaction handling of  claim 15 , wherein completing the payment transaction for the first purchase item and completing the payment transaction for the third purchase item comprising stitching together a first transaction response associated with the payment transaction for the first purchase item with a second transaction response associated with the payment transaction for the third purchase item. 
     
     
         19 . The method of payment transaction handling of  claim 13 , wherein the first approved product list is one of a food stamp approved product list, a flexible spending account (FSA) approved product list, a wellness program approved product list, or a women, infants, and children (WIC) approved product list. 
     
     
         20 . The method of payment transaction handling of  claim 13 , wherein the first transaction message comprises universal product code (UPC) information, price information, quantity information about the first purchase item.