NOTIFICATION OF RESOURCES OF INTEREST TO MEMBERS OF A CONSUMER GROUP
First Claim
1. A computer implemented method comprising a plurality of steps each being performed using a computing apparatus executing software, the steps including:
- in a payment processing system which notifies a member consumer of at least one transaction for resources between any of a plurality of merchants and any said member consumer in a consumer group, wherein each said transaction is conducted on an account issued to one said member consumer that is processed for payment to the one said merchant;
receiving resource data identifying a resource set including resources of interest to at least one of the member consumers in the consumer group;
receiving transaction data for the at least one transaction, wherein the transaction data includes information about a corresponding said resource;
finding a matching resource by a comparison of the resources of interest in the resource set with the corresponding said resource in the received transaction data for the at least one transaction;
andfor each said matching resource, sending a transmission including data about the matching resource for delivery to at least one of the member consumer in the consumer group.
1 Assignment
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Accused Products
Abstract
An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient.
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Citations
21 Claims
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1. A computer implemented method comprising a plurality of steps each being performed using a computing apparatus executing software, the steps including:
in a payment processing system which notifies a member consumer of at least one transaction for resources between any of a plurality of merchants and any said member consumer in a consumer group, wherein each said transaction is conducted on an account issued to one said member consumer that is processed for payment to the one said merchant; receiving resource data identifying a resource set including resources of interest to at least one of the member consumers in the consumer group; receiving transaction data for the at least one transaction, wherein the transaction data includes information about a corresponding said resource; finding a matching resource by a comparison of the resources of interest in the resource set with the corresponding said resource in the received transaction data for the at least one transaction; and for each said matching resource, sending a transmission including data about the matching resource for delivery to at least one of the member consumer in the consumer group. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. An apparatus comprising a computer readable medium including stored instructions that, when executed by a computing apparatus, the computing apparatus performs the steps of:
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receiving transaction data for a plurality of transactions of a plurality of merchants, wherein; each said transaction is conducted by a consumer with one said merchant; and the transaction data for each said transaction includes; information about a resource purchased in the transaction; and a consumer identifier of the consumer; receiving data specifying a consumer group, wherein each member said consumer in the consumer group has a corresponding said consumer identifier usable to distinguish the member said consumer from other said consumers; using the consumer identifiers in the transaction data to distinguish the transactions of the each member said consumer from other said consumers; identifying a predicted resource set including resources predicted to be of interest to the member said consumers based at least in part on the distinguished said transactions; and announcing information about the predicted resource set to at least one of the member said consumers. - View Dependent Claims (15, 16, 17)
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18. A computer implemented method comprising a plurality of steps each being performed using a computing apparatus executing software, the steps including:
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in a payment processing system which notifies a member of at least one transaction conducted upon an account for resources of any of a plurality of merchants, wherein each said transaction is processed for payment to the any of the plurality of merchants; receiving an address for each of a plurality of said members of an interest group for a person of interest; receiving information about a plurality of said transactions; distinguishing one or more said transactions each being; conducted between the person of interest and one said merchant; and upon an endorsement said account for the resource of the one said merchant; and for each of the distinguished one or more said transactions; facilitating movement of funds from an endorsee under contract with the person of interest for deposit in the endorsement said account to pay the one said merchant for the purchase of the resource; and transmitting data about the transaction conducted by the person of interest upon the endorsement said account to at least one said address. - View Dependent Claims (19, 20, 21)
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Specification