Abstract
The following quote was obtained by the news editors from the background informa tion supplied by the inventors: “The background description provided herein is f or the purpose of generally presenting the context of the disclosure. Work of th e presently named inventors, to the extent it is described in this background se ction, as well as aspects of the description that may not otherwise qualify as p rior art at the time of filing, are neither expressly nor impliedly admitted as prior art against the present disclosure. “In a typical transaction process, a single transaction authorization process is followed. That is, items are captured at a point of sale or by an online purcha se session, the full amount of the transaction is calculated, that purchase amou nt is authorized through the payment network, and the transaction is approved if conditions are met. In this scenario, a loyalty rewards program may monitor tra nsactions and make real time or near real time offers related to the current and /or future transactions while the purchaser is still engaged in the checkout pro cess.
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