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Customer data aggregation

  • US 10,290,016 B1
  • Filed: 03/31/2014
  • Issued: 05/14/2019
  • Est. Priority Date: 10/28/2013
  • Status: Active Grant
First Claim
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1. A computer-implemented method comprising:

  • receiving, at a payment service including at least one server, a first request from a point-of-sale (POS) terminal of a merchant to begin a current transaction session with a customer, the first request;

    identifying a payment card that has been received by the POS terminal, the payment card being associated with a customer profile of a plurality of customer profiles stored in a data store maintained by the payment service, andrequesting instructions for at least one incentive to be associated with the current transaction session for the customer;

    identifying, in the data store maintained by the payment service, records of past transaction sessions associated with the payment card and the customer profile, wherein the past transaction sessions were conducted by the customer at a plurality of POS terminals associated with a plurality of distinct merchants;

    analyzing, by the payment service, the records of past transaction sessions to identify a trend in behaviors and preferences for the customer, the trend being associated with at least types of products or types of services for which the customer has previously conducted transactions;

    determining, by the payment service, whether the trend satisfies a threshold for offering the at least one incentive with the current transaction session between the merchant and the customer;

    upon determining that the trend satisfies the threshold, generating, by the payment service, instructions for the at least one incentive to be applied to the current transaction;

    delivering, by the payment service for display on the POS terminal during the current transaction session, the instructions for the at least one incentive to be applied to the current transaction;

    wherein the instructions causes the POS terminal to modify an aspect or payment amount of the current transaction session;

    receiving, at the payment service and from the POS terminal, a second request to complete the current transaction session using the at least one incentive; and

    upon receiving the second request, interacting, via the payment service, with a card issuer associated with the payment card to cause the card issuer to transfer an amount of funds due for the current transaction session to a financial account of the merchant.

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