RECEIVING AN ANNOUNCEMENT TRIGGERED BY LOCATION DATA

• US 20100274627A1
• Filed: 04/22/2009
• Published: 10/28/2010
• Est. Priority Date: 04/22/2009
• Status: Abandoned Application

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Carlson, Mark
• Application Number:
  US12/428,302
• Publication Number:
  US 20100274627A1
• Time in Patent Office: Days
• US Class Current: 705/10
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

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.

Claims

1. A computer implemented method for announcing to an announcement recipient that a consumer is located within a region that is of interest to a merchant, the computer implemented method comprising the steps of:

specifying to an announcement distributor, using a computing apparatus executing software, an announcement condition that includes presence of a first said consumer within the region that is of interest to the merchant;

and

receiving, using the computing apparatus executing the software, a first electronic transmission including the announcement from the announcement distributor, wherein the receiving step occurs after the announcement condition has been satisfied and while the first said consumer is within the region.

2. The computer implemented method as defined in claim 1 further comprising the step of using a point of interaction terminal, co-located with a second said consumer, to form an authorization request for a transaction upon a payment account of the second said consumer, wherein the authorization request is usable to:

electronically match the second said consumer with the first said consumer;

and

electronically determine a location of the second said consumer in order to compare the determined location with the region.

3. The computer implemented method as defined in claim 1 further comprising the step of receiving, using the computing apparatus executing the software, a second transmission including data usable to:

determine a location of a second said consumer; and

match the second said consumer to the first said consumer.

4. The computer implemented method as defined in claim 3 wherein:

the second said consumer is co-located with a portable consumer device; and

the second transmission is addressed from the portable consumer device that is selected from the group consisting of;

a financial card;

a contactless device including a wireless processor, a transmitter, and a receiver;

a smart card;

a cellular telephone;

a personal digital assistant;

a digital audio player;

a global positioning system enabled device;

a computer; and

a combination of any of the above portable consumer devices.

5. The computer implemented method as defined in claim 1 wherein the step of specifying the announcement condition further comprises the step of specifying, using the computing apparatus executing the software, at least one required account transaction history of a payment account of the first said consumer.

6. The computer implemented method as defined in claim 5 wherein the at least one required transaction history is selected from the group consisting of:

a tendency to purchase resources matching that of the merchant;

a transaction, conducted within the region, upon the payment account;

and

a category of the payment account.

7. The computer implemented method as defined in claim 1 further comprising the step of, subsequent to receiving the announcement, using the computing apparatus executing the software to facilitate a communication from the announcement recipient to the first said consumer while the first said consumer is within the region.

8. The computer implemented method as defined in claim 1 wherein the announcement recipient is selected from the group consisting of:

a merchant;

an acquirer of the merchant;

an issuer that has issued an account to a corresponding said consumer;

a transaction handler; and

any combination thereof, wherein;

the transaction handler processes a plurality of transactions, each between a corresponding said merchant and a corresponding said consumer;

each said transaction is upon a corresponding account of the corresponding said consumer;

each of the merchants submits a corresponding said transaction to a corresponding acquirer for processing by the transaction handler who requests a corresponding issuer to obtain payment for the corresponding said transaction from the corresponding account; and

the corresponding issuer forwards the obtained payment for delivery to the corresponding acquirer to pay the submitting said merchant for the submitted said transaction.

9. A computer implemented method announcing information about a consumer to a merchant, the computer implemented method comprising the steps of:

forming, using a computing apparatus executing software, a first transmission that is addressed to an announcement distributor and includes;

a merchant indicator usable to determine a merchant address of the merchant; and

an announcement condition, wherein the announcement condition is satisfied when at least one preset criterion matches information derived from data received from a first portable consumer device of a first consumer; and

receiving, using the computing apparatus executing the software, an announcement at the merchant address from the announcement distributor after the announcement condition is satisfied, wherein the announcement;

includes the derived information; and

is received in close temporal proximity to a time that the announcement condition is satisfied.

10. The computer implemented method as defined in claim 9 further comprising the step of forming, using the computing apparatus executing the software, a second electronic transmission, addressed to the announcement distributor, including the merchant indicator and data received from a second said portable consumer device that is co-located with a second said consumer, wherein the data received from the second said portable consumer device is usable to determine whether the announcement condition is satisfied.

11. The computer implemented method as defined in claim 10 wherein the second electronic transmission includes an authorization request for a transaction upon a second payment account that is associated with the second said portable consumer device.

12. The computer implemented method as defined in claim 10 wherein the data received from the second said portable consumer device is received at a terminal selected from the group consisting of:

a point of interaction terminal of the merchant;

a near field communication terminal of the merchant;

a far field communication terminal of the merchant; and

a combination thereof.

13. The computer implemented method as defined in claim 9 wherein the preset criterion is selected from the group consisting of:

a spatial region in which the first portable consumer device is to be located;

a consumer demographic;

a window of time for receiving the data from the first portable consumer device;

a transaction history of a payment account associated with the first portable consumer device and indicating a tendency to purchase a resource matching that of the merchant;

a category of the payment account; and

a combination of any of the above preset criterion.

14. The computer implemented computer implemented method as defined in claim 9 wherein:

the preset criterion includes presence of the first consumer within a spatial zone as derived from the data received from the first portable consumer device; and

the close temporal proximity is a time period that the first consumer is located within the spatial zone.

15. A merchant apparatus comprising a computer readable medium including stored instructions that, when executed by a computing device, the computing device performs the steps of:

specifying to an announcement distributor an announcement condition that includes presence of a first portable consumer device of a consumer within a spatial region;

and

receiving an announcement about the consumer after the announcement condition has been satisfied and while the first portable consumer device is within the spatial region.

16. The merchant apparatus as defined in claim 15 wherein the computer readable medium further comprises stored instructions that, when executed by the computing device, the computing device performs the step of forming an electronic transmission for delivery to the announcement distributor and including data usable to:

determine a location of a second said portable consumer device; and

match the second portable consumer device to the first said portable consumer device.

17. The merchant apparatus as defined in claim 16 wherein the computer readable medium further comprises stored instructions that, when executed by the computing device, the computing device performs the step of receiving the usable data from the second said portable consumer device of a second said consumer.

18. The merchant apparatus as defined in claim 16 wherein:

the announcement condition further includes a required first direction of movement of the first consumer; and

the usable data is further usable to;

determine a second direction of movement of the second said consumer; and

match the required first direction with the second direction.

19. The merchant apparatus as defined in claim 15 wherein the electronic transmission is an authorization request for a payment transaction upon a corresponding account associated with the second said portable consumer device.

20. The merchant apparatus as defined in claim 15 wherein the announcement includes at least one of:

an indication of a number of times the first portable consumer device has been in the spatial region over a window of time; and

an indication that the consumer has engaged in a payment transaction upon a payment account while the first portable consumer device has been in the spatial region.