Method and system for platform data updating based on electronic transaction product data

• US 10,210,582 B2
• Filed: 12/03/2015
• Issued: 02/19/2019
• Est. Priority Date: 12/03/2015
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Rizzini, Andrea
• Primary Examiner(s): Hayles, Ashford S
• Application Number:
  US14/958,087
• Publication Number:
  US 20170161843A1
• Time in Patent Office: 1,174 Days
• Field of Search: 705 30
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

A method for updating a user service platform based on product data in a user payment transaction includes: storing an account profile, the account profile including data related to a user including a user identifier and platform data associated with a user service platform; receiving a transaction message related to a payment transaction, the transaction message being formatted pursuant to one or more standards and including a plurality of data elements and at least one of: an addendum and one or more data elements configured to store product data associated with one or more products purchased in the related payment transaction; generating a data message including data associated with the product data included in the received transaction message; and electronically transmitting the generated data message to the user service platform based on the platform data included in the account profile.

Claims

1. A method for updating a user service platform based on product data in a user payment transaction, comprising:

storing, in an account database of a processing server, an account profile, wherein the account profile includes data related to a user including at least a user identifier and platform data associated with a user service platform;

storing, in a product database of the processing server, a plurality of product data entries, wherein each product data entry includes data related to a product including at least a product identifier and product information;

receiving, by a receiving device of the processing server, a transaction message related to a payment transaction, wherein the transaction message is formatted pursuant to one or more standards and includes a plurality of data elements configured to store data associated with the related payment transaction and further including at least one of;

an addendum and one or more data elements configured to store product data associated with one or more products purchased in the related payment transaction, where the product data comprises a product identifier for each of the associated one or more products;

receiving, by the receiving device of the processing server, the user identifier;

executing, by the processing device of the processing server, a query on the product database to identify a product data entry for each of the one or more products where the product data entry includes the associated product identifier;

generating, by a processing device of the processing server, a data message, wherein the data message includes the product information included in each identified product data entry; and

electronically transmitting, by a transmitting device of the processing server, the generated data message to the user service platform based on the platform data included in the account profile.

2. The method of claim 1, wherein the user identifier is included in one of:

the addendum and a data element of the plurality of data elements included in the received transaction message.

3. The method of claim 1, wherein the user identifier is included in a data transmission transmitted separate from the received transaction message.

4. The method of claim 3, wherein the data transmission is transmitted from a mobile computing device associated with the user service platform, and wherein the user identifier is associated with the mobile computing device.

5. The method of claim 1, wherein the product information includes at least one of:

product name, product brand, product size, product servings, and calories per serving.

6. The method of claim 1, wherein the data associated with the product data included in the received transaction message included in the generated data message comprises the product data.

7. The method of claim 1, wherein the one or more products are food products.

8. The method of claim 1, wherein one data element of the plurality of data elements is configured to store a transaction date, and wherein the generated data message further includes the transaction date.

9. A system for updating a user service platform based on product data in a user payment transaction, comprising:

an account database of a processing server configured to store an account profile, wherein the account profile includes data related to a user including at least a user identifier and platform data associated with a user service platform;

a product database of the processing server configured to store a plurality of product data entries, wherein each product data entry includes data related to a product including at least a product identifier and product information;

a receiving device of the processing server configured to

receive a transaction message related to a payment transaction, wherein the transaction message is formatted pursuant to one or more standards and includes a plurality of data elements configured to store data associated with the related payment transaction and further including at least one of;

an addendum and one or more data elements configured to store product data associated with one or more products purchased in the related payment transaction, where the product data comprises a product identifier for each of the associated one or more products, and

receive the user identifier;

a processing device of the processing server configured to

execute a query on the product database to identify a product data entry for each of the one or more products where the product data entry includes the associated product identifier, and

generate a data message, wherein the data message includes the product information included in each identified product data entry; and

a transmitting device of the processing server configured to electronically transmit the generated data message to the user service platform based on the platform data included in the account profile.

10. The system of claim 9, wherein the user identifier is included in one of:

the addendum and a data element of the plurality of data elements included in the received transaction message.

11. The system of claim 9, wherein the user identifier is included in a data transmission transmitted separate from the received transaction message.

12. The system of claim 11, wherein the data transmission is transmitted from a mobile computing device associated with the user service platform, and wherein the user identifier is associated with the mobile computing device.

13. The system of claim 9, wherein the product information includes at least one of:

product name, product brand, product size, product servings, and calories per serving.

14. The system of claim 9, wherein the data associated with the product data included in the received transaction message included in the generated data message comprises the product data.

15. The system of claim 9, wherein the one or more products are food products.

16. The system of claim 9, wherein one data element of the plurality of data elements is configured to store a transaction date, and wherein the generated data message further includes the transaction date.