Systems and Methods to Provide Real-Time Offers via a Cooperative Database

• US 20120066064A1
• Filed: 09/02/2011
• Published: 03/15/2012
• Est. Priority Date: 09/03/2010
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Yoder, Jeanette, Amaro, Leigh, Hagey, Ryan, Bankston, Michael Steven
• Granted Patent: US 9,679,299 B2
• Time in Patent Office: Days
• US Class Current: 705/14.53
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 30/0255 based on user history

Abstract

In one aspect, a computing apparatus is configured to: store transaction data recording transactions processed by a transaction handler; organize third party data according to community, where the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and responsive to a request from a merchant in the second community, present an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community. In one embodiment, the first data provides permission from the merchant in the first community to allow the merchant in the second community to use intelligence information of the first community to identify users for targeting offers from the merchant in the second community.

Claims

1. A computer-implemented method, comprising:

storing, by a computing apparatus, transaction data recording transactions processed by a transaction handler;

organizing, by a computing apparatus, third party data according to community, wherein the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and

responsive to a request from a merchant in the second community, presenting, by the computing apparatus, an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community.

2. The method of claim 1, wherein the merchant in the second community is not in the first community.

3. The method of claim 2, wherein the first data comprises limitations on access to the first data by entities outside the first community;

and the users are identified in accordance with the limitations.

4. The method of claim 3, wherein the request specifies that the users be identified as customers of a merchant in the first community who have not made purchases from the merchant in the second community in a recent time period.

5. The method of claim 3, wherein the limitations are specified by a merchant, an issuer, or an acquirer in the first community.

6. The method of claim 5, further comprising:

monitoring first transactions of the users during processing of the first transactions by the transaction handler;

detecting a subset of the first transactions satisfying presentation requirements of the offer; and

presenting the offer of the merchant in the second community to users corresponding to the subset of the first transactions in real-time with processing respective transactions in the subset by the transaction handler.

7. The method of claim 6, wherein the request specifies that the first transactions with one or more merchants in the first community be monitored for the presenting of the offer.

8. The method of claim 7, wherein the request specifies that users enrolled in the first community be monitored for the presenting of the offer.

9. The method of claim 8, wherein the offer of the merchant in the second community is transmitted to the users that are identified via the transaction data and the first data via communication references registered during enrollment in the first community.

10. The method of claim 9, wherein the communication references include at least one of:

phone number and email address.

11. The method of claim 10, wherein the first data includes the communication references.

12. The method of claim 1, further comprising:

determining a spending pattern from the transaction data, wherein the users are identified further based on the spending pattern.

13. The method of claim 12, wherein the spending pattern includes a plurality of transactions;

and a last transaction in the spending pattern triggers a presentation of the offer.

14. The method of claim 1, further comprising:

predicting a time of a next purchase of a first user identified via the transaction data and the first data received from the first plurality of entities of the first community, wherein the offer is provided to the first user prior to the predicted time of the next purchase.

15. The method of claim 14, wherein the offer provided to the first user is configured to expire prior to the predicted time of the next purchase.

16. The method of claim 1, wherein the first data includes identification information of account holders who have enrolled in the first community;

and the users are identified based at least in part on the identification information.

17. A computer storage device storing instructions which, when executed by a computer, cause the computer to perform a method, comprising:

storing, by the computer, transaction data recording transactions processed by a transaction handler;

organizing, by the computer, third party data according to community, wherein the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and

responsive to a request from a merchant in the second community, presenting, by the computer, an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community.

18. A computing apparatus, comprising:

a transaction handler;

a data warehouse coupled with the transaction handler and configured to store transaction data recording transactions processed by the transaction handler, each of the transactions being processed in response to an account identifier being submitted from an acquirer processor for a payment from an issuer, the account identifier being issued by the issuer to a user of the account identifier, an issuer processor to make the payment on behalf of the user, the acquirer processor to receive the payment on behalf of a merchant from which the user makes a purchase;

a portal coupled with the data warehouse and configured to receive first data from a first plurality of entities of a first community and second data from a second plurality of entities of a second community, the portal further configured to receive a request from a merchant in the second community for an offer; and

a message broker coupled with the data warehouse to generate a message containing the offer to users identified via the transaction data and the first data received from the first plurality of entities of the first community.

19. The computing apparatus of claim 18, further comprising:

an event detection engine coupled with the message broker and the data warehouse to detect, based on the transaction data, an event satisfying requirements for presentation of the offer.

20. The computing apparatus of claim 19, further comprising:

a pattern recognition engine coupled with the data warehouse and the event detection engine to detect spending patterns, wherein at least a portion of the requirements for the presentation of the offer is based on detection of the spending patterns.