Systems and methods to provide offer benefits based on issuer identity

• US 10,685,367 B2
• Filed: 11/05/2013
• Issued: 06/16/2020
• Est. Priority Date: 11/05/2012
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Rappoport, Douglas Joseph
• Primary Examiner(s): Refai, Sam
• Assistant Examiner(s): Robinson, Kyle G
• Application Number:
  US14/072,561
• Publication Number:
  US 20140129308A1
• Time in Patent Office: 2,415 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user

Abstract

Systems and methods configured to specify and/or deliver the benefit of an offer, based on the identity of an issuer of a consumer payment account with which the offer is associated and using which account a transaction qualifying for the offer is performed.

Claims

1. A computer-implemented method, comprising:

receiving, in a portal, an input from a device of a user, the input associating an unredeemed offer provided to the user with a payment account of the user, wherein a data warehouse coupled with the portal stores data associated with a plurality of different mechanisms to deliver benefits of offers in response to payment transactions made using payment accounts, wherein the input is received prior to a payment transaction made in the payment account of the user for a purchase, wherein at least one of the plurality of different mechanisms comprises at least one of a statement credit, a promotional code, a coupon code, a barcode, adjusting a transaction amount during authorization, adjusting the transaction amount at a transaction terminal, or generating a second transaction with a sponsor processor of the benefit;

in response to the input;

identifying, by the portal, an issuer processor associated with an issuer bank of the payment account associated with the unredeemed offer;

selecting, by the portal based at least in part on an identity of the issuer bank associated with the issuer processor, a mechanism from the plurality of mechanisms to deliver a benefit of the unredeemed offer;

storing, by the portal, redemption requirement data associated with an entire set of redemption requirements of the unredeemed offer; and

generating, by the portal, a trigger record associated with a subset of the entire set of redemption requirements associated with the redemption requirement data and an action;

detecting, by a transaction handler coupled with the portal and separate from the issuer processor, the payment transaction made in the payment account of the user for the purchase satisfies the subset of the entire set of redemption requirements associated with the trigger record, wherein detecting by the transaction handler that the payment transaction satisfies the subset of the entire set of redemption requirements associated with the trigger record reduces a burden on the transaction handler compared to using the entire set of redemption requirements;

in response to detecting the payment transaction satisfies the subset of the entire set of redemption requirements associated with the trigger record, detecting, by the portal based on the action associated with the trigger record, the payment transaction made in the payment account of the user for the purchase satisfies the entire set of redemption requirements associated with the redemption requirement data and qualifies for the benefit of the unredeemed offer; and

in response to detecting the payment transaction qualifies for the benefit of the unredeemed offer, providing, by the transaction handler, the benefit to the user using the mechanism that is selected based at least in part on the identity of the issuer processor.

2. The method of claim 1, further comprising:

notifying the user at a communication reference associated with the consumer account about the mechanism selected to deliver the benefit.

3. The method of claim 1, wherein the benefit is applied to the payment transaction during authorization of the payment transaction.

4. The method of claim 3, wherein the benefit is applied to the payment transaction via reducing the transaction amount in the payment account and generating a second transaction with a sponsor processor of the benefit.

5. The method of claim 4, wherein the transaction amount as reduced in the payment account and the benefit provided in the second transaction with the sponsor processor are combined to meet an authorization request for the payment transaction.

6. The method of claim 1, further comprising:

prior to the receiving of the input from the device of the user, communicating to the user the offer identifying a benefit without specifying a mechanism to deliver the benefit.

7. The method of claim 6, further comprising:

after the receiving of the input from the device of the user, communicating to the user of the payment account to notify the user of the mechanism selected for the offer based at least in part on the identity of the issuer.

8. The method of claim 7, wherein the user is notified of the mechanism selected for the offer, using a communication reference pre-associated with the payment account of the user prior to the receiving of the input from the user.

9. The method of claim 7, wherein the user is notified of the mechanism selected for the offer as a response to the input from the device of the user to associate the offer with the payment account of the user.

10. The method of claim 1, further comprising:

storing, by the portal, data associating issuer identifiers with mechanisms to deliver offer benefits in the data warehouse;

wherein the selecting of the mechanism is based on the identity of the issuer and the data associating issuer identifiers with mechanisms to deliver offer benefits.

11. The method of claim 10, further comprising:

transmitting a message to a communication reference pre-associated with the payment account of the user, the message notifying the user of the benefit applied to the payment transaction.

12. The method of claim 11, wherein transmission of the message is initiated during authorization of the payment transaction.

13. A computing system, comprising:

a data warehouse configured to store data associated with a plurality of different mechanisms to deliver benefits of offers in response to payment transactions made using payment accounts, wherein at least one of the plurality of different mechanisms comprises at least one of a statement credit, a promotional code, a coupon code, a barcode, adjusting a transaction amount during authorization, adjusting the transaction amount at a transaction terminal, or generating a second transaction with a sponsor processor of the benefit;

a portal coupled to the data warehouse and configured to;

receive an input from a device of a user, the input associating an unredeemed offer provided to the user with a payment account of the user, wherein the input is received prior to a payment transaction made in the payment account of the user for a purchase, and

in response to the input;

identify an issuer processor associated with an issuer bank of the payment account associated with the unredeemed offer,

select, based at least in part on an identity of the issuer bank associated with the issuer processor, a mechanism from the plurality of mechanisms to deliver a benefit of the unredeemed offer,

store redemption requirement data associated with an entire set of redemption requirements of the unredeemed offer, and

generate a trigger record associated with a subset of the entire set of redemption requirements associated with the redemption requirement data and an action; and

a transaction handler coupled to the portal, separate from the issuer processor, and configured to;

detect the payment transaction made in the payment account of the user for the purchase satisfies the subset of the entire set of redemption requirements associated with the trigger record, wherein detecting by the transaction handler that the payment transaction satisfies the subset of the entire set of redemption requirements associated with the trigger record reduces a burden on the transaction handler compared to using the entire set of redemption requirements;

wherein, in response to detecting the payment transaction satisfies the subset of the entire set of redemption requirements associated with the trigger record, the portal is configured to detect, based on the action associated with the trigger record, the payment transaction made in the payment account of the user for the purchase satisfies the entire set of redemption requirements associated with the redemption requirement data and qualifies for the benefit of the unredeemed offer; and

wherein, in response to detecting the payment transaction qualifies for the benefit of the unredeemed offer, the transaction handler is configured to provide the benefit to the user using the mechanism that is selected based at least in part on the identity of the issuer.

14. The computing system of claim 13, wherein the benefit is provided via a promotional code transmitted to a transaction terminal that initiated the payment transaction, the promotional code causing the transaction terminal to apply a discount to the payment transaction.