Systems and methods to provide and adjust offers

• US 10,354,267 B2
• Filed: 08/08/2016
• Issued: 07/16/2019
• Est. Priority Date: 07/27/2009
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Carlson, Mark, Stan, Patrick
• Primary Examiner(s): Sittner, Matthew T
• Application Number:
  US15/231,413
• Publication Number:
  US 20160343017A1
• Time in Patent Office: 1,072 Days
• Field of Search: None
• CPC Class Codes: G06F 16/283 Multi-dimensional databases or data warehouses, e.g. MOLAP or ROLAP
• CPC Class Codes: G06Q 30/0221 Re-usable coupons
• CPC Class Codes: G06Q 30/0244 Optimization

Abstract

In one aspect, a computing apparatus is configured to allow merchants to initiate offers in an offer campaign based on a spending pattern specified by the merchant, such as the lack of transactions in a predetermined period of time of the day, in a recent time period, and/or in a particular merchant category. The offer campaign can be adjusted between offer delivery/announcement and fulfillment for a limited time period. The benefit of a further purchase may be announced via a message scheduled to be transmitted in response to an event identifying the arrival of a particular time instance, in response to a qualification notification of a transaction satisfying the requirements of a purchase event required in the offer campaign, or in response to the detection of a required spending pattern.

Claims

1. A method, comprising:

receiving, via a portal, from a first computing device, communications regarding programming of computing system functions for a campaign;

receiving, in a computing apparatus, a set of records for the campaign, each record identifying at least one condition for matching an event in the campaign with a user participating in the campaign to identify, via a predictive model, a subsequent event in the campaign associated with the user participating in the campaign;

storing, by a data warehouse, the set of records;

monitoring, by the computing apparatus, events relevant to the campaign in accordance with the set of records for the subsequent event;

in response to receiving an authorization request from a transaction terminal,

detecting that a first purchase associated with the subsequent event satisfies a first record of the set of records;

in response to detection of the first purchase;

transmitting, by the computing apparatus, a message in accordance with the first record to cause display in a first user interface of a second computing device of a first user to announce a benefit to be provided to the first user in response to a second purchase satisfying a second record of the set of records, and

transmitting an electronic file to the second computing device to enable the benefit for use by the second computing device in the second purchase;

subsequent to announcing the benefit, modifying the programming, wherein the modifying comprises receiving, in the computing apparatus, a modification to the set of records to generate a modified set of records for the campaign;

monitoring, by the computing apparatus, events relevant to the campaign in accordance with the modified set of records for events where the benefit is accepted;

selecting, from the data warehouse, based on data received from the second computing device, a user profile for the first user; and

in response to modifying the programming, and based on the user profile;

transmitting, by the computing apparatus, a message to announce a modification of the benefit in accordance with the modified set of records, and

transmitting an updated electronic file to the second computing device to modify the benefit.

2. The method of claim 1, wherein the monitoring of the events in accordance with the modified set of records is performed without restarting the campaign.

3. The method of claim 1, wherein the modification is limited to a predefined time period identified in the modified set of records.

4. The method of claim 1, wherein the computing apparatus comprises at least one processor, and memory storing instructions configured to instruct the at least one processor to monitor the events relevant to the campaign in accordance with the set of records.

5. The method of claim 1, wherein the data received from the second computing device comprises data from a cookie stored at the second computing device.

6. The method of claim 1, further comprising in response to modifying the programming, causing adjustment in placement of a display in the first user interface.

7. The method of claim 6, wherein the display is associated with the updated electronic file.

8. A system, comprising:

a portal;

a data warehouse;

at least one processor; and

memory storing instructions configured to instruct the at least one processor to;

receive, via the portal, from a first computing device, communications regarding programming of computing system functions for a campaign;

receive a set of records for the campaign, each record identifying at least one condition for matching an event in the campaign with a user participating in the campaign to identify, via a predictive model, a subsequent event in the campaign associated with the user participating in the campaign;

store, by the data warehouse, the set of records;

monitor events relevant to the campaign in accordance with the set of records for the subsequent event;

detect that a first purchase associated with the subsequent event satisfies a first record of the set of records;

in response to detection of the first purchase;

transmit a message in accordance with the first record to cause display in a first user interface of a second computing device of a first user to announce a benefit to be provided to the first user in response to a second purchase satisfying a second record of the set of records, and

transmit an electronic file to the second computing device to enable the benefit for use by the second computing device in the second purchase;

subsequent to announcing the benefit, modify the programming, wherein the modifying comprises receiving a modification to the set of records to generate a modified set of records for the campaign;

select, from the data warehouse, based on data received from the second computing device, a user profile for the first user; and

in response to modifying the programming, and based on the user profile, transmit an updated electronic file to the second computing device to modify the benefit.

9. The system of claim 8, wherein detecting the first purchase is in response to receiving an authorization request from a transaction terminal.

10. The system of claim 8, wherein the instructions are further configured to instruct the at least one processor to monitor events relevant to the campaign in accordance with the modified set of records for events where the benefit is accepted.

11. The system of claim 8, wherein the instructions are further configured to instruct the at least one processor to transmit, in response to modifying the programming, a message to announce a modification of the benefit in accordance with the modified set of records.