Systems and methods to organize and consolidate data for improved data storage and processing

• US 10,354,268 B2
• Filed: 05/14/2015
• Issued: 07/16/2019
• Est. Priority Date: 05/15/2014
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Celikyilmaz, Ilker, Chinnappan, Raman
• Primary Examiner(s): Sigmond, Bennett M
• Assistant Examiner(s): Anderson, Scott C
• Application Number:
  US14/712,669
• Publication Number:
  US 20150332302A1
• Time in Patent Office: 1,524 Days
• CPC Class Codes: G06F 16/283 Multi-dimensional databases or data warehouses, e.g. MOLAP or ROLAP
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions

Abstract

Systems and methods to dynamically combine offer data records in accordance with predetermined rules such that the data records that are required to be monitored for processing are reduced and the computation efficiency in processing the transactions and relevant offers is improved in a transaction handler configured on an electronic processing network to process a huge amount of transactions in real time and a rapidly increasing number of offers.

Claims

1. A method to organize data in a computing apparatus for transaction processing, the method comprising:

storing, by a portal in a data warehouse coupled thereto, a first record identifying a first value retrievable for application to a transaction that satisfies a set of conditions associated with the first record, the first value being less than a threshold;

receiving, in the portal over a first communication channel, an input identifying a second value applicable to transactions that satisfies the set of conditions;

determining, by the portal, whether a sum of the first value and the second value is above the threshold;

updating, by the portal, the first record to identify a third value, wherein;

when the sum of the first value and the second value does not exceed the threshold, the third value is equal to the sum of the first value and the second value; and

when the sum of the first value and the second value exceeds the threshold, the third value is equal to the threshold;

creating, by the portal in the data warehouse, a second record associated with the set of conditions when the sum exceeds the threshold, wherein the second record identifies a difference between the threshold and the sum of the first value and the second value when the sum exceeds the threshold;

generating, by the portal in the data warehouse, a trigger record to monitor the first record, wherein the trigger record identifies a subset of the set of conditions;

processing, by a transaction handler separate from the portal and coupled to the data warehouse, a plurality of transactions, each transaction of the plurality of transactions comprising at least one of an authorization request and an authorization response received by the transaction handler over a second communication channel separate from the first communication channel, the second communication channel dedicated to communication of the at least one of the authorization request and the authorization response of each transaction of the plurality of transactions;

determining, by the transaction handler, a first transaction of the plurality of transactions triggers the trigger record based on the at least one of the authorization request or the authorization response satisfying the subset of the set of conditions identified by the trigger record;

in response to a determination that the first transaction triggers the trigger record, determining, by the portal, whether the first transaction satisfies the set of conditions; and

in response to a determination that the first transaction satisfies the set of conditions, retrieving, by the transaction handler, at least a portion of the third value from the first record and applying the portion of the third value to the first transaction while the first transaction is being processed in the transaction handler.

2. The method of claim 1, wherein the second record is independent of the first record and capable of being monitored for application to a transaction that satisfies the set of conditions.

3. The method of claim 2, wherein the first record and the second record are tracked as a group for association with the set of conditions.

4. The method of claim 3, wherein generating the trigger record comprises generating, by the portal, the trigger record to monitor the first record without monitoring the second record.

5. The method of claim 1, wherein applying the portion of the third value to the first transaction comprises reducing, by the transaction handler, a transaction amount of the at least one of the authorization request or the authorization response by an amount equal to the portion of the third value.

6. The method of claim 1, further comprising:

after the portion of the third value is retrieved and applied to the first transaction, moving, by the transaction handler, at least a portion of a value in the second record to the first record without exceeding the threshold.

7. The method of claim 6, further comprising:

scheduling, by the transaction handler, the moving in a background process for execution at a time after the first transaction is processed in the computing apparatus.

8. The method of claim 6, further comprising:

after the moving, deleting, by the transaction handler, the second record in response to a determination that a value in the second record becomes zero.

9. The method of claim 1, further comprising:

storing, in the data warehouse, data identifying a discount offer;

processing, by the transaction handler, a second transaction;

determining, by the transaction handler, that the second transaction satisfies requirements of the discount offer; and

determining, by the transaction handler, the second value to generate the input based on the discount offer.

10. The method of claim 9, wherein the second value is further determined based on a transaction amount of the second transaction.

11. The method of claim 9, further comprising:

determining, by the transaction handler, a fourth value in accordance with the discount offer, wherein the fourth value does not exceed the threshold;

wherein the at least a portion of the third value retrieved from the first record is equal to the fourth value.

12. The method of claim 11, wherein the fourth value is less than the threshold for a partial redemption of discounts aggregated in the first record.

13. A computing system, comprising:

a portal coupled to a first communication channel;

a transaction handler separate from the portal, the transaction handler being in an electronic payment processing network comprising a second communication channel separate from the first communication channel in which the transaction handler interconnects issuers controlling payment accounts and acquirers controlling merchant accounts;

a data warehouse coupled with the transaction handler and the portal, the data warehouse storing a first record identifying a first value retrievable for application to a transaction that satisfies a set of conditions associated with the first record, the first value being less than a threshold;

wherein the portal is configured to receive, over the first communication channel, an input identifying a second value applicable to transactions that satisfies the set of conditions, to determine whether a sum of the first value and the second value is above the threshold, and to update the first record to identify a third value, wherein;

when the sum of the first value and the second value does not exceed the threshold, the third value is equal to the sum of the first value and the second value; and

when the sum of the first value and the second value exceeds the threshold, the third value is equal to the threshold;

wherein the portal is configured to create a second record associated with the set of conditions when the sum exceeds the threshold, wherein the second record identifies a difference between the threshold and the sum of the first value and the second value when the sum exceeds the threshold;

wherein the portal is configured to generate a trigger record to monitor the first record, wherein the trigger record identifies a subset of the set of conditions;

wherein the transaction handler is configured to process a plurality of transactions received over the second communication channel of the electronic payment processing network, each transaction of the plurality of transactions comprising at least one of an authorization request and an authorization response, wherein the second communication channel is dedicated to communication of the at least one of the authorization request and the authorization response of each transaction of the plurality of transactions, and the transaction handler is configured to determine a first transaction of the plurality of transactions triggers the trigger record based on the at least one of the authorization request or the authorization response satisfying the subset of the set of conditions identified by the trigger record,

wherein, in response to a determination that the first transaction triggers the trigger record, the portal is configured to determine whether the first transaction satisfies the set of conditions; and

in response to a determination that the first transaction satisfies the set of conditions, the transaction handler is configured to retrieve at least a portion of the third value from the first record and applies the portion of the third value to the first transaction while the first transaction is being processed for authorization via the transaction handler.

14. The computing system of claim 13, wherein the second record is independent of the first record and capable of being monitored for application to a transaction that satisfies the set of conditions;

and wherein the first record and the second record are tracked as a group for association with the set of conditions.

15. The computing system of claim 14, wherein the portal generates the trigger record to monitor the first record without monitoring the second record.

16. The computing system of claim 13, wherein the transaction handler is configured to, after the portion of the third value is retrieved and applied to the first transaction, moving at least a portion of a value in the second record to the first record without exceeding the threshold, in a background process executed at a time after the authorization of the first transaction is completed in the electronic payment processing network.

17. The computing system of claim 13, wherein the data warehouse is further configured to store data identifying a discount offer;

during processing of a second transaction, the transaction handler is configured to make a determination that the second transaction satisfies requirements of the discount offer and compute the second value to generate the input based on the discount offer.

18. The computing system of claim 17, further comprising:

determining, by the transaction handler, a fourth value in accordance with the discount offer, wherein the fourth value does not exceed the threshold;

wherein the at least a portion of the third value retrieved from the first record is equal to the fourth value; and

the fourth value is less than the threshold for a partial redemption of discounts aggregated in the first record.

19. The computing system of claim 13, wherein the transaction handler is configured to modify a transaction amount authorized for the first transaction to apply the portion of the third value to the first transaction during the authorization of the first transaction in the electronic payment processing network.