American Express Travel Related Services Company, Inc. (New York, NY)

Systems and methods to automate transactions are described. The system can receive an extension communication comprising an uniform resource locator for merchants (URL) as well as an offer ID. The system could verify URLs of merchants based on the merchant URL. The system can find an offer that is available by analyzing a merchant ID associated with the verified URL. The system could then send the offer to the device being used by the user. The system might accept the offer from the device of the user and then enroll them into an issuer system to allow the offer to be applied during the transaction.

Users can make transactions with a merchant using different methods. Users can initiate and complete transactions via a web browser. Users may use an account for transactions to make an amount of money to pay for transactions.

Payment account issuers, transaction account issuers, networks, merchants, and other similar entities can offer incentives and offers to make it easier for users to initiate and finish transactions. However, users might not be aware of discounts or offers that can be utilized prior to making the initial transaction or even completing it.

There may be a technical problem in that the user has to navigate various websites to view the available promotions or offers.

The system, methods and articles of manufacture for accessing offers and promotions by means of a browser extension are provided. The system may receive an extension communication comprising an uniform resource locator for merchants (URL) as well as an offer ID. The system might determine the merchant ID linked to the merchant URL. Based on the merchant ID the system could search for an offer that is available. The system may send the current offer to an Auser device.

In various ways, the system may determine the user’s account data that is associated with the offer ID. The user device may send an offer enrollment request to the system. The request is determined by the current offer and include the offer ID. The system can generate an offer enrollment for the user comprised of the offered offer as well as at least one of the offer IDs or user account data. An issuer system could receive the user offer enrollment. In response toreceiving the user enrollment offer an issuer system can connect the offer to the user account data. The system may link the offer to a merchant, wherein in response to the user device successfully completing a transaction through themerchant then the issuer system will apply the available offer to the transaction prior to taking care of the transaction. When a user’s browser visiting the merchant URL it may send an extension communication. The system can store the offer ID in an extension for the browser offering. This is possible because the system creates the offer ID using an issuer system during registration to associate the user’s account information with the offer ID.

The system can locate an extension notification in various ways. In this case, the extension communication includes an offer ID. The system can retrieve at least one of an offered promotional or user account payment information based on the offer ID, wherein the user account payment data is associated with the offer ID. The system can send at minimum one promotions or user account payment data to a device used by the user.

In various embodiments the system could collect payment information for user accounts from an issuer’s system, wherein the issuer system may determine the user account payment information based on the information associated with the user’s account that is linked to the offer ID. The system could generate the extension communication by an offer browser extension on the user device as a response to the user device opening web browser. The system can save the offer ID within the extension for offer browsers in which case the offer ID can be generated by the issuer system when registering to associate account information of the user with the offer ID. The information about payments for user accounts can comprise at least one of these: an account balance, payment due date, payment minimum amount or balance of the payment statement.

The features and elements mentioned above can be combined without restriction unless stated otherwise. The description below and the accompanying illustrations will allow you to see the various elements and features, as well as how they function.

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