TARGETING MERCHANT ANNOUNCEMENTS TRIGGERED BY CONSUMER ACTIVITY RELATIVE TO A SURROGATE MERCHANT
First Claim
1. A computer implemented method for providing an announcement to a consumer and comprising the steps of:
- electronically receiving, using a computing apparatus executing software;
a request from a targeting merchant to transmit an announcement to the consumer after an announcement condition has been satisfied; and
a plurality of transactions each;
being conducted by the consumer with a surrogate merchant; and
containing transaction information that includes a surrogate merchant identifier usable to identify the surrogate merchant conducting the transaction;
electronically determining, using the computing apparatus executing the software, whether the announcement condition has been satisfied by the surrogate merchant identifier in the transaction information for one said transaction corresponding to a specific said surrogate merchant; and
electronically transmitting using the computing apparatus executing the software, in temporal proximity after the satisfaction of the announcement condition, an electronic transmission including the announcement from the targeting merchant for delivery to the consumer.
1 Assignment
0 Petitions
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.
170 Citations
19 Claims
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1. A computer implemented method for providing an announcement to a consumer and comprising the steps of:
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electronically receiving, using a computing apparatus executing software; a request from a targeting merchant to transmit an announcement to the consumer after an announcement condition has been satisfied; and a plurality of transactions each; being conducted by the consumer with a surrogate merchant; and containing transaction information that includes a surrogate merchant identifier usable to identify the surrogate merchant conducting the transaction; electronically determining, using the computing apparatus executing the software, whether the announcement condition has been satisfied by the surrogate merchant identifier in the transaction information for one said transaction corresponding to a specific said surrogate merchant; and electronically transmitting using the computing apparatus executing the software, in temporal proximity after the satisfaction of the announcement condition, an electronic transmission including the announcement from the targeting merchant for delivery to the consumer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A computer implemented method for providing an announcement of a targeting merchant to a consumer, the computer implemented method comprising the steps of:
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electronically receiving, using a computing apparatus executing software; transaction information for a plurality of transactions of a plurality of surrogate merchants upon an account of the consumer, wherein the plurality of transactions include; a first said transaction of a specific said surrogate merchant upon the account; and a second said transaction of the targeting merchant upon the account; and an announcement condition that includes; an occurrence of a third said transaction of the specific surrogate merchant upon the account that occurs subsequent to the second said transaction; and the electronic receipt of the third said transaction by the computing apparatus executing software; and electronically transmitting using the computing apparatus executing the software, after the announcement condition is satisfied, a transmission including the announcement of the targeting merchant addressed for delivery to a portable consumer device of the consumer. - View Dependent Claims (12, 13, 14, 15, 16)
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17. 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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electronically receiving a plurality of transactions conducted upon accounts of consumers with; a surrogate merchant; and a targeting merchant; electronically determining, for each said consumer, a time interval between each pair of chronologically sequential said transactions conducted with; the surrogate merchant; and the targeting merchant; electronically receiving location data useable to detect the location of a specific said consumer; and upon detecting from the location data that the location of the specific said consumer is within a spatial zone proximal a location of the surrogate merchant, electronically transmitting, between the minimum said time interval and the maximum said time interval, an announcement making an offer to the specific said consumer to conduct one said transaction with the targeting merchant. - View Dependent Claims (18, 19)
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Specification