Data passed in an interaction

• US 10,026,087 B2
• Filed: 04/07/2015
• Issued: 07/17/2018
• Est. Priority Date: 04/08/2014
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Salmon, Diane, Srivastava, Chandra
• Primary Examiner(s): Lemieux, Jessica
• Application Number:
  US14/680,874
• Publication Number:
  US 20150287037A1
• Time in Patent Office: 1,197 Days
• Field of Search: 705 44
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing

Abstract

A method for providing first data and second data for an interaction is disclosed. The first data is beneficial to a first party and necessary for the interaction, while the second data is beneficial to a second party and is not necessary for the interaction. The first data and second data are provided by a first party device in a single data element. A second party device receives the single data element, separates the first data and second data, and processes the first data and second data separately.

Claims

1. A method of facilitating an interaction between a consumer and a merchant, the method comprising:

receiving, by a data processor in a consumer mobile device, first data from a first data source, the first data being beneficial for the consumer, wherein the first data comprises a payment credential associated with the consumer;

determining, by the data processor in the consumer mobile device, a location of the consumer mobile device;

transmitting, by the data processor in the consumer mobile device, a request to a payment processing computer for second data, the request including the location of the consumer mobile device, wherein an identity of the merchant is determined based on the location, and wherein the payment processing computer determines an affinity score of the consumer to interact with the merchant based on previous interactions between the consumer and multiple merchants;

receiving, by the data processor in the consumer mobile device, the second data from the payment processing computer, the second data being beneficial to the merchant, wherein the second data includes the affinity score;

generating, by the data processor in the consumer mobile device, a single data element encoding the first data and the second data;

providing, by the data processor in the consumer mobile device, the single data element to a merchant device, the merchant device decoding the single data element into the first data and the second data, wherein the merchant device is configured to process the first data separately from the second data, wherein the merchant device uses the first data to process a payment transaction, wherein the merchant device selects an incentive based on the second data; and

receiving, by the data processor in the consumer mobile device, the incentive from the merchant device.

2. The method of claim 1, wherein the single data element is a QR code.

3. The method of claim 1, wherein the payment processing computer has a global view of previous interactions involving the consumer.

4. The method of claim 1, wherein the affinity score is a loyalty score of the consumer to the merchant.

5. The method of claim 1, wherein the merchant is associated with a merchant category, and wherein the affinity score is a loyalty score of the consumer to the merchant category.

6. The method of claim 1, wherein the merchant is associated with a merchant category, and wherein determining the affinity score includes determining the consumer'"'"'s interaction rate with the merchant and comparing it to the consumer'"'"'s interaction rate with other competing merchants within the same merchant category.

7. The method of claim 6, wherein the affinity score is an attrition score of the consumer of the consumer to the merchant, and wherein the attrition score is increased if the consumer interacts less frequently with the merchant than with other competing merchants within the same merchant category.

8. The method of claim 1, wherein the merchant is associated with a merchant category, and wherein determining the affinity score includes determining whether the consumer'"'"'s total spending rate within the merchant category is changing.

9. The method of claim 1, wherein determining the affinity score includes comparing the consumer'"'"'s behavioral patterns with a set of behaviors based on a group of consumers.

10. The method of claim 1, wherein determining the affinity score includes determining an amount of debt associated with the consumer.

11. The method of claim 1, wherein determining the affinity score includes determining whether the consumer is currently moving to a new region or on a road trip.

12. The method of claim 1, wherein determining the location of the consumer mobile device includes determining GPS coordinates or an address.

13. The method of claim 1, wherein the payment processing computer determines the identity of the merchant based on the location.

14. A consumer mobile device comprising:

a processor; and

a computer readable medium, the computer readable medium comprising code, executable by the processor, for implementing a method comprising;

receiving first data from a first data source, the first data being beneficial for a consumer, wherein the first data comprises a payment credential associated with the consumer;

determining a location of the consumer mobile device;

transmitting a request to a payment processing computer for second data, the request including the location of the consumer mobile device, wherein an identity of a merchant is determined based on the location, and wherein the payment processing computer determines an affinity score of the consumer to interact with the merchant based on previous interactions between the consumer and multiple merchants;

receiving the second data from the payment processing computer, the second data being beneficial to the merchant, wherein the second data includes the affinity score;

generating a single data element encoding the first data and the second data;

providing the single data element to a merchant device, the merchant device decoding the single data element into the first data and the second data, wherein the merchant device is configured to process the first data separately from the second data, wherein the merchant device uses the first data to process a payment transaction, wherein the merchant device selects an incentive based on the second data; and

receiving the incentive from the merchant device.

15. The consumer mobile device of claim 14, wherein the single data element is a QR code.

16. The consumer mobile device of claim 14, wherein the merchant device selects and provides the incentive to promote subsequent interactions.

17. A method of facilitating an interaction between a consumer and a merchant, the method comprising:

receiving, by a data processor in a merchant device, a single data element from a consumer mobile device, wherein the single data element includes first data from a first data source and second data from a second data source, the first data being beneficial for the consumer and the second data being beneficial to the merchant, wherein the consumer mobile device determined a location of the consumer mobile device, wherein an identity of the merchant is determined based on the location, wherein a payment processing computer determined an affinity score of the consumer to interact with the merchant based on previous interactions between the consumer and multiple merchants, wherein the second data includes the affinity score, and wherein the first data comprises a payment credential associated with the consumer;

decoding, by the data processor in the merchant device, the single data element into the first data and the second data; and

processing, by the data processor in the merchant device, the first data, wherein processing the first data includes processing a payment transaction;

processing, by the data processor in the merchant device, the second data separately from the first data, wherein processing the second data includes selecting an incentive based on the second data; and

transmitting, by the data processor in the merchant device, the incentive to the consumer mobile device.

18. The method of claim 17, wherein the single data element is a QR code.

19. A merchant device comprising:

a processor; and

a computer readable medium, the computer readable medium comprising code, executable by the processor, for implementing a method comprising;

receiving a single data element from a consumer mobile device, wherein the single data element includes first data from a first data source and second data from a second data source, the first data being beneficial for a consumer associated with the consumer mobile device and the second data being beneficial to a merchant associated with the merchant device, wherein the consumer mobile device determined a location of the consumer mobile device, wherein an identity of the merchant is determined based on the location, wherein a payment processing computer determined an affinity score of the consumer to interact with the merchant based on previous interactions between the consumer and multiple merchants, wherein the second data includes the affinity score, and wherein the first data comprises a payment credential associated with the consumer;

decoding the single data element into the first data and the second data; and

processing the first data, wherein processing the first data includes processing a payment transaction;

processing the second data separately from the first data, wherein processing the second data includes selecting an incentive based on the second data; and

transmitting the incentive to the consumer mobile device.

20. The merchant device of claim 19, wherein the single data element is a QR code.