Systems and methods for visual representation of offers

• US 10,430,818 B2
• Filed: 11/29/2016
• Issued: 10/01/2019
• Est. Priority Date: 06/26/2008
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Carlson, Mark, Faith, Patrick L.
• Primary Examiner(s): Stoltenberg, David J
• Application Number:
  US15/363,311
• Publication Number:
  US 20170076313A1
• Time in Patent Office: 1,036 Days
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0225 Avoiding frauds
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0252 based on events or environment, e.g. weather or festivals
• CPC Class Codes: G06Q 30/0255 based on user history
• CPC Class Codes: G06Q 50/188 Electronic negotiation
• CPC Class Codes: G09B 29/007 using computer methods

Abstract

A method and system for providing geographic location notifications for targeted offers is disclosed. One embodiment of the invention is directed to a method including monitoring for an event to trigger a targeted offer. Upon detection of the event, the offer is generated. The offer is targeted to a consumer and is generated using payment data generated in response to transactions conducted by the consumer with a plurality of different merchants. A geographic location for redeeming the offer is determined. A notification message is generated about the offer. The notification message includes the offer and the geographic location for redeeming the offer. The notification message is sent to a notification device which is operated by the consumer. A graphical depiction of the offer is displayed on a map on the notification device.

Claims

1. A method comprising:

monitoring for an event to trigger a targeted offer, wherein the event is based on a transaction;

generating the offer based on the transaction, the offer targeted to a consumer associated with a portable consumer device, wherein the offer is generated using payment data generated in response to transactions conducted by the consumer with a plurality of different merchants, and wherein the portable consumer device comprises a physically separate and secure data space configured to store operating parameters;

determining a geographic location for redeeming the offer;

generating a notification message about the offer, the notification message including the offer and the geographic location for redeeming the offer that is generated based on the transaction; and

sending the notification message to a notification device operated by the consumer,

wherein a graphical depiction of the offer is displayed on a map on the notification device based on the notification message.

2. The method of claim 1, the step of monitoring comprising:

comparing a geo-location of the notification device with a geo-location of a target location; and

determining that the consumer has traveled in a proximity to the target location based on the comparison.

3. The method of claim 1, wherein the event to trigger the offer includes the consumer being within a predetermined proximity to a retail location.

4. The method of claim 1, wherein the event to trigger the offer includes receiving a request, initiated by the consumer, for the offer.

5. The method of claim 1, further comprising:

determining an icon relative to the map, the icon identifying the geographic location for redeeming the offer; and

providing the icon to the notification device.

6. The method of claim 1, further comprising:

determining a consumer icon identifying a geographic location of the consumer relative to the map, wherein the geographic location of the consumer is determined using a global positioning system (GPS) element in the notification device; and

providing the consumer icon to the notification device.

7. The method of claim 1, wherein the payment data is collected by a payment processing network.

8. The method of claim 1, wherein the geographic location for redeeming the offer is identified by a merchant associated with the offer.

9. The method of claim 1, further comprising:

determining one or more customized actions associated with the offer, each of the one or more customized actions providing an option for redeeming the offer;

providing to the notification device the one or more customized actions; and

receiving a selection of at least one of the one or more customized actions.

10. The method of claim 9, wherein a subject of the offer is a good or service provided by a merchant, further comprising:

providing a message to a merchant system of the merchant for reserving the good or service on behalf of the consumer; and

receiving a confirmation message from the merchant system indicating that the reservation of the good or service is confirmed.

11. The method of claim 9, wherein a subject of the offer is a good or service provided by a merchant, and wherein the selected action is an action for purchasing the good or service using the notification device, further comprising:

providing a message to a merchant system of the merchant for purchasing the good or service.

12. The method of claim 9, wherein a subject of the offer is a good or service provided by a merchant, and wherein the selected action is an action for accepting the offer, further comprising:

providing a message to a merchant system to associate the consumer with a term of the offer, whereby an access device of the merchant automatically presents, to the associated consumer, a purchase price of the good or service according to the term of the offer.

13. The method of claim 1, further comprising:

determining one or more retail establishments where the offer can be redeemed, wherein the one or more retail establishments are within a predetermined proximity to the consumer;

for each of the one or more retail establishments, determining a geographic location of a retail establishment;

for each of the one or more retail establishments, determining an icon relative to the map, the icon identifying the geographic location of the retail establishment; and

for each of the one or more retail establishments, providing the icon to the notification device.

21. The method according to claim 1, wherein the offer is directed to an item that is in stock in the geographic location.

22. The method according to claim 1, wherein the geographic location for redeeming the offer is the geographic location that is within a threshold distance from a target location.

14. A notification device comprising:

a processor;

an antenna coupled to the processor; and

a computer readable medium coupled to the processor, the computer readable medium comprising code executable by the processor, the code comprising;

code for receiving an offer targeted to a consumer associated with a portable consumer device based on payment data generated in response to transactions conducted by the consumer with a plurality of different merchants, the notification device operated by the consumer, wherein the portable consumer device comprises a physically separate and secure data space configured to store operating parameters; and

code for generating a map comprising a graphical depiction of the offer that is based on the transactions with the plurality of different merchants and a graphical depiction of a geographic location for redeeming the offer, wherein the offer is received by the notification device upon detection, by a payment processing server, of a triggering event.

15. A system comprising:

a payment processing network configured to;

monitor for an event to trigger a targeted offer, wherein the event is based on a transaction;

generate the offer based on the transaction, the offer targeted to a consumer associated with a portable consumer device, wherein the offer is generated using payment data generated in response to transactions conducted by the consumer with a plurality of different merchants, and wherein the portable consumer device comprises a physically separate and secure data space configured to store operating parameters; and

determine a geographic location for redeeming the offer; and

a notification module coupled to the payment processing network, the notification module configured to;

generate a notification message about the offer, the notification message including the offer and the geographic location for redeeming the offer that is generated based on the transaction; and

send the notification message to a notification device operated by the consumer, wherein a graphical depiction of the notification message is displayed on a map on the notification device.

16. The system of claim 15, wherein the notification module is further configured to:

determine an icon relative to the map, the icon identifying the geographic location for redeeming the offer; and

provide the icon to the notification device.

17. The system of claim 15, wherein the notification module is further configured to:

determine one or more customized actions associated with the offer, each of the one or more customized actions providing an option for redeeming the offer;

provide to the notification device the one or more customized actions; and

receive a selection of at least one of the one or more customized actions.

18. The system of claim 15, wherein a subject of the offer is a good or service provided by a merchant, the notification module is further configured to:

provide a message to a merchant system of the merchant for reserving the good or service on behalf of the consumer; and

receive a confirmation message from the merchant system indicating that the reservation of the good or service is confirmed.

19. The system of claim 15, wherein the notification module is further configured to:

determine one or more retail establishments where the offer can be redeemed, wherein the one or more retail establishments are within a predetermined proximity to the consumer;

for each of the one or more retail establishments, determine a geographic location of a retail establishment;

for each of the one or more retail establishments, determine an icon relative to the map, the icon identifying the geographic location of the retail establishment; and

for each of the one or more retail establishments, provide the icon to the notification device.

20. A non-transitory machine-readable storage medium storing a sequence of instructions execution of which causes a processor to provide notifications of targeted purchase offers, the execution of the sequence of instructions causes the processor to perform the actions of:

monitoring for an event to trigger a targeted offer, wherein the event is based on a transaction;

generating the offer based on the transaction, the offer targeted to a consumer associated with a portable consumer device, wherein the offer is generated using payment data generated in response to transactions conducted by the consumer with a plurality of different merchants, and wherein the portable consumer device comprises a physically separate and secure data space configured to store operating parameters;

determining a geographic location for redeeming the offer;

generating a notification message about the offer, the notification message including the offer and the geographic location for redeeming the offer that is generated based on the transaction; and

sending the notification message to a notification device operated by the consumer,

wherein a graphical depiction of the offer is displayed on a map on the notification device based on the notification message.