Systems and Methods to Provide Messages in Real-Time with Transaction Processing
First Claim
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1. A computer-implemented method, comprising:
- storing, in a computing apparatus having a transaction handler, a plurality of trigger records;
processing, by the transaction handler, an authorization request received from an acquirer processor, the authorization request being processed for a payment to be made by an issuer processor on behalf of a user having an account identifier associated with the issuer processor, the acquirer processor to receive the payment on behalf of a merchant;
determining, by the transaction handler, whether the authorization request matches one of the plurality of trigger records; and
if the authorization request matches a trigger record in the plurality of the trigger records,identifying, by the computing apparatus, a communication reference of the user in accordance with the trigger record,generating, by the computing apparatus, a message regarding a benefit to be provided to the user upon completion of the payment, andtransmitting, from the computing apparatus, the message to the user via the communication reference in real-time with the processing of the authorization request.
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Abstract
In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.
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Citations
20 Claims
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1. A computer-implemented method, comprising:
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storing, in a computing apparatus having a transaction handler, a plurality of trigger records; processing, by the transaction handler, an authorization request received from an acquirer processor, the authorization request being processed for a payment to be made by an issuer processor on behalf of a user having an account identifier associated with the issuer processor, the acquirer processor to receive the payment on behalf of a merchant; determining, by the transaction handler, whether the authorization request matches one of the plurality of trigger records; and if the authorization request matches a trigger record in the plurality of the trigger records, identifying, by the computing apparatus, a communication reference of the user in accordance with the trigger record, generating, by the computing apparatus, a message regarding a benefit to be provided to the user upon completion of the payment, and transmitting, from the computing apparatus, the message to the user via the communication reference in real-time with the processing of the authorization request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A tangible computer-storage medium storing instructions configured to instruct a computing apparatus to:
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generate, in a computing apparatus having a transaction handler, a plurality of trigger records; process, by the transaction handler, an authorization request received from an acquirer processor, the authorization request being processed for a payment to be made by an issuer processor on behalf of a user having an account identifier associated with the issuer processor, the acquirer processor to receive the payment on behalf of a merchant; determine, by the transaction handler, whether the authorization request matches one of the plurality of trigger records; and if the authorization request matches a trigger record in the plurality of the trigger records, identify, by the computing apparatus, a communication reference of the user in accordance with the trigger record, generate, by the computing apparatus, a message regarding a benefit to be provided to the user upon completion of the payment, and transmit, from the computing apparatus, the message to the user via the communication reference in real-time with the processing of the authorization request.
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20. A computing apparatus, comprising:
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a data warehouse configured to store a plurality of trigger records; a transaction handler coupled with the data warehouse and configured to process an authorization request received from an acquirer processor, the authorization request being processed for a payment to be made by an issuer processor on behalf of a user having an account identifier associated with the issuer processor, the acquirer processor to receive the payment on behalf of a merchant; a message broker coupled with the transaction handler, wherein after the transaction handler determines that the authorization request matches a trigger record in the plurality of the trigger records, the message broker identifies a communication reference of the user in accordance with the trigger record and generates a message regarding a benefit to be provided to the user upon completion of the payment; and a media controller coupled with the message broker to transmit the message to the user via the communication reference in real-time with the transaction handler processing the authorization request.
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Specification