Patent attributes
A system and method for implementing a financed customer engagement campaign on a payment processing system, wherein the payment processing system may receive a request from a merchant to initiate a financed customer engagement campaign, costs of the financed customer engagement campaign being based on customer participation. The payment processing system may calculate participation terms and financing terms, the financing terms including repayment terms, the participation terms including a transaction redemption amount, the transaction redemption amount offsetting a discount given by the merchant for a transaction during the financed customer engagement campaign such that the actual costs of the financed customer engagement campaign are delayed for the merchant. Further, the payment processing system may process the transaction during the financed customer engagement campaign and deposit a net settlement in an account associated with the merchant based on at least a payment amount for the transaction and the transaction redemption amount.
