Systems and methods to reward user interactions

• US 10,475,060 B2
• Filed: 12/16/2016
• Issued: 11/12/2019
• Est. Priority Date: 11/04/2010
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Carlson, Mark, Stan, Patrick, MacIlwaine, John Hamilton
• Primary Examiner(s): Li, Sun M
• Application Number:
  US15/382,217
• Publication Number:
  US 20170098234A1
• Time in Patent Office: 1,061 Days
• Field of Search: 705 1417, 705 143, 705 1427
• CPC Class Codes: G06F 16/254 Extract, transform and load [ETL] procedures, e.g. ETL data flows in data warehouses
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute

Abstract

A system includes a transaction handler, a data warehouse to store transaction data recording transactions processed at the transaction handler and to store account data identifying an account of a user, and a portal to receive a user selection of a first portion of an announcement of a reward. The portal tracks user interactions associated with the announcement to determine whether the user is qualified for the reward. Upon a determination that the user has completed the user interactions for the reward, the transaction handler provides the reward to the account of the user via statement credit.

Claims

1. A computer-implemented method, comprising:

storing, in a computer having a web browser, a cookie identifier configured in the web browser to identify a user of the web browser, wherein a data storage device that is separate and remote from the computer stores transaction data of the user identified by the cookie identifier, wherein the computer and the data storage device are in communication with a portal;

loading, by the web browser of the computer from a media channel, an announcement in a web page displayed by the web browser in a form of a banner that appears as a single image occupying a predefined region of the web page, wherein the announcement includes;

a reference to the portal coupled to the data storage device, wherein the portal is separate from the media channel; and

a first portion associated with a first uniform resource locator that is configured to direct the web browser of the computer to visit a first website at the first uniform resource locator when the first portion of the announcement is selected;

during the loading of the announcement in the web browser of the computer in the form of the banner,

transmitting, by the computer to the portal, a request for a resource of the announcement in accordance with the reference to the portal configured in the announcement received from the media channel, wherein responsive to the request for the resource of the announcement, during the loading of the announcement for presentation of the announcement displayed as a single image in the web page, and prior to the user interacting with the announcement, the portal;

determines, based at least in part on the transaction data of the user stored in the data storage device, whether the user identified by the cookie identifier is qualified to receive an offer for a reward; and

in response to a determination that the user is qualified for the offer, provides first content in the resource identified by the request, wherein when the user is not qualified for the offer, second content is provided in the resource identified by the request;

receiving, by the computer in the web browser, the resource that includes the first content;

adding, by the web browser based on the first content provided in the resource, a user interface element to the announcement that appears as a single image rendered in the web browser, the user interface element including;

a second portion of the announcement showing a message inviting the user to select the second portion of the announcement, and

a second uniform resource locator linked to the second portion of the announcement, wherein the announcement is rendered without the second portion when the second content is provided in the resource;

receiving, in the web browser, a selection of the second portion of the announcement; and

in response to the selection, redirecting the web browser to a second website according to the second uniform resource locator, wherein the second website is separate from the portal.

2. The method of claim 1, further comprising:

after the user interacting with the second website, transmitting from the web browser a notification to the portal, wherein a determination of whether the user is qualified for the reward is based on the notification.

3. The method of claim 2, wherein the notification indicates that the user has completed an action on the second website required for the reward.

4. The method of claim 2, wherein the redirecting of the web browser to the second website includes redirecting the web browser from the portal to the second website to track a user interaction with the announcement.

5. The method of claim 2, wherein the reward is provided via a transaction handler coupled with the portal.

6. The method of claim 5, wherein the transaction data identifies payment transactions processed by the transaction handler in an electronic payment processing network.

7. The method of claim 6, wherein the reward is provided via the transaction handler via a statement credit.

8. The method of claim 7, wherein the statement credit is provided to the user as the reward without requiring the user to make a purchase in accordance with the announcement.

9. The method of claim 6, wherein the cookie identifier identifies an account of the user in which the payment transactions are made.

10. The method of claim 9, further comprising:

presenting, in the web browser, a user interface of the portal to receive from the user an indication of the account of the user;

transmitting the indication of the account of the user to the portal via the user interface, wherein the portal generates the cookie identifier and associates the cookie identifier with the account of the user; and

receiving the cookie identifier from the portal for the storing of the cookie identifier.

11. The method of claim 10, wherein the presenting of the user interface of the portal is in response to the request.

12. The method of claim 10, wherein the presenting of the user interface of the portal is performed prior to the loading of the web page in the web browser.

13. The method of claim 1, wherein the request transmitted to the portal identifies the user and the announcement.

14. A non-transitory computer-storage medium storing instructions configured to instruct a computing device to perform a method, the method comprising:

storing, in the computing device having a web browser, a cookie identifier configured in the web browser to identify a user of the web browser, wherein a data storage device that is separate and remote from the computing device stores transaction user data identified by the cookie identifier, wherein the computing device and the data storage device are in communication with a portal;

loading, by the web browser of the computing device from a media channel, an announcement in a web page displayed by the web browser in a form of a banner that appears as a single image occupying a predefined region of the web page, wherein the announcement includes;

a reference to the portal, wherein the portal that is separate from the media channel; and

a first portion associated with a first uniform resource locator that is configured to direct the web browser of the computing device to visit a first website at the first uniform resource locator when the first portion of the announcement is selected;

during the loading of the announcement in the web browser of the computing device in the form of the banner,

transmitting, by the computing device to the portal, a request for a resource of the announcement in accordance with the reference to the portal configured in the announcement received from the media channel, wherein responsive to the request for the resource of the announcement, during the loading of the announcement for presentation of the announcement displayed in the web page, and prior to the user interacting with the announcement, the portal;

determines, based at least in part on the user data stored in the data storage device, whether or not to personalize the announcement for the user identified by the cookie identifier; and

in response to a determination to personalize the announcement for the user, provides first content in the resource identified by the request, wherein when the announcement is not to be personalized for the user, second content is provided in the resource identified by the request;

receiving, by the computing device in the web browser, the resource that includes the first content;

adding, by the web browser based on the first content provided in the resource, a user interface element to the announcement that appears as a single image rendered in the web browser, the user interface element including;

a second portion of the announcement showing a message inviting the user to select the second portion of the announcement, and

a second uniform resource locator linked to the second portion of the announcement, wherein the announcement is rendered without the second portion when the second content is provided in the resource;

receiving, in the web browser, a selection of the second portion of the announcement; and

in response to the selection, redirecting the web browser to a second website according to the second uniform resource locator, wherein the second website is separate from the portal.

15. The non-transitory computer-storage medium of claim 14, wherein the method further comprises:

after the user interacting with the second website, transmitting from the web browser to the portal a notification informing the portal completion of action by the user on the second website.

16. The non-transitory computer-storage medium of claim 14, wherein a determination of whether the user is qualified for a reward is based on the notification and the user data.

17. A computing device, comprising:

at least one microprocessor; and

memory storing instructions which when executed by the at least one microprocessor cause the computing device to;

store, in the computing device having a web browser, a cookie identifier configured in the web browser to identify a user of the web browser, wherein a data storage device that is separate and remote from the computing device stores transaction user data identified by the cookie identifier, wherein the computing device and the data storage device are in communication with a portal;

load, by the web browser of the computing device from a media channel, an announcement in a web page displayed by the web browser in a form of a banner that appears as to be a single image occupying a predefined region of the web page, wherein the announcement includes;

a reference to the portal that is separate from the media channel; and

a first portion associated with a first uniform resource locator that is configured to direct the web browser of the computing device to visit a first website at the first uniform resource locator when the first portion of the announcement is selected;

during loading the announcement in the web browser of the computing device in the form of the banner,

transmit, by the computing device to the portal, a request for a resource of the announcement in accordance with the reference to the portal configured in the announcement received from the media channel, wherein responsive to the request for the resource of the announcement, during the loading of the announcement for presentation of the announcement displayed as a single image in the web page, and prior to the user interacting with the announcement, the portal;

determines, based at least in part on the user data stored in the data storage device, whether or not to personalize the announcement for the user identified by the cookie identifier; and

in response to a determination to personalize the announcement for the user, provides first content in the resource identified by the request, wherein when the announcement is not to be personalized for the user, second content is provided in the resource identified by the request;

receive, by the computing device in the web browser, the resource that includes the first content;

add, by the web browser based on the first content provided in the resource, a user interface element to the announcement that appears as a single image rendered in the web browser, the user interface element including;

a second portion of the announcement showing a message inviting the user to select the second portion of the announcement, and

a second uniform resource locator linked to the second portion of the announcement, wherein the announcement is rendered without the second portion when the second content is provided in the resource;

receive, in the web browser, a selection of the second portion of the announcement; and

redirect, in response to the selection, the web browser to a second website according to the second uniform resource locator, wherein the second website is separate from the portal.

18. The computing device of claim 17, wherein the user data includes transaction data of the user.

19. The computing device of claim 18, wherein whether or not the announcement is personalized for the user is based on a determination of whether or not the user identified by the cookie identifier is qualified to receive an offer for a reward based on the transaction data of the user.

20. The computing device of claim 19, wherein after the user interacting with the second website, the computing device transmits from the web browser a notification to the portal, wherein a determination of whether the user is qualified for the reward is based on the notification.