METHOD OF TARGETING CONSUMERS FOR UP-SELLING BASED ON PURCHASING HISTORY

• US 20130080234A1
• Filed: 09/26/2011
• Published: 03/28/2013
• Est. Priority Date: 09/26/2011
• Status: Abandoned Application

• Current Assignee: National Bankcard Services, Inc.
• Original Assignee: National Bankcard Services, Inc.
• Inventors: Little, Robert T.
• Application Number:
  US13/245,149
• Publication Number:
  US 20130080234A1
• Time in Patent Office: Days
• US Class Current: 705/14.25
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]

Abstract

One aspect is a method of offering discounted goods or services including processing a requested financial transaction from a user at a point-of-sale location via a transaction processor system. Data from the requested financial transaction is compared to an existing database reflective of data from previously requested financial transactions of the user. A discount offer based upon data from previously requested financial transactions of the user is generated. The discount offer is communicated to the user at the point-of-sale location in conjunction with the completion of the requested financial transaction.

Claims

1. A method of offering discounted goods or services comprising:

processing financial transactions from a user at a point-of-sale location via a transaction processor system;

generating a proprietary database from data processed in the financial transactions, the data comprising a financial instrument identification and item purchase information;

generating a discount offer from the proprietary database, the discounted offer based at least on the item purchase information and payment; and

communicating the discount offer to the user at the point-of-sale location.

2. The method of claim 1, wherein processing financial transactions from a user at a point-of-sale location comprises processing credit card information from the user.

3. The method of claim 1, wherein processing financial transactions from a user comprises determining whether a financial transaction is authorized.

4. The method of claim 3, wherein determining whether a financial transaction is authorized comprises interaction with an instrument authority.

5. The method of claim 1, wherein the data processed in the financial transactions comprises at least one of a group comprising:

MOP, number of items purchased, a credit card number, a bank identification code of the instrument issuer the item(s) being purchased, the location of the purchase, the retailer associated with the purchase, and the amount of the purchase.

6. The method of claim 1, wherein communicating the discount offer comprises communicating the offer to the user in real time at the point-of-sale location while the user is still completing a financial transaction initiated at the point-of-sale location.

7. The method of claim 6, wherein communicating the discount offer comprises conditioning the offer of accepting the offer in conjunction with the completion of the financial transaction.

8. The method of claim 1, wherein generating a proprietary database comprises encrypting and/or hashing financial instrument identification to generate a unique secured identifier, and storing data by the unique secured identifier.

16. The method of claim 1, further comprising generating a proprietary database by encrypting and/or hashing financial instrument identification to generate a unique secured identifier, such that the stored data from previously requested financial transactions is associated with a unique secured identifier.

9. A method of offering discounted goods or services comprising:

processing a current requested financial transaction from a user using a financial instrument at a point-of-sale location via a transaction processor system;

comparing data from the current requested financial transaction to stored data from previously requested financial transactions associated with the financial instrument;

generating a discount offer that is based upon data from previously requested financial transactions of the financial instrument; and

communicating the discount offer to the user at the point-of-sale location in conjunction with the completion of the current requested financial transaction.

10. The method of claim 9, wherein processing the current requested financial transaction from a user at a point-of-sale location comprises processing credit card information from the user.

11. The method of claim 9, wherein processing the current requested financial transaction from a user comprises determining whether a financial transaction is authorized.

12. The method of claim 11, wherein determining whether a financial transaction is authorized comprises interaction with an instrument authority.

13. The method of claim 9, wherein the data processed in the current requested financial transaction comprises at least one of a group comprising:

MOP, number of items purchased, a credit card number, a bank identification code of the instrument issuer the item(s) being purchased, the location of the purchase, the retailer associated with the purchase, and the amount of the purchase.

14. The method of claim 9, wherein communicating the discount offer comprises communicating the offer to the user in real time at the point-of-sale location while the user is still completing the current requested financial transaction initiated at the point-of-sale location.

15. The method of claim 14, wherein communicating the discount offer comprises conditioning the offer of accepting the offer in conjunction with the completion of the current requested financial transaction.

17. A transaction processor system comprising:

a point-of-sale device configured for processing a current requested financial transaction from a user using a financial instrument;

a processor coupled to the point-of-sale device over a network and configured to;

compare data from the current requested financial transaction stored data from previously requested financial transactions associated with the financial instrument;

generate a discount offer that is based upon data from previously requested financial transactions of the financial instrument; and

communicate the discount offer to the user at the point-of-sale location in conjunction with the completion of the current requested financial transaction.

18. The system of claim 17, wherein the data compared in the current requested financial transaction comprises at least one of a group comprising:

MOP, number of items purchased, a credit card number, a bank identification code of the instrument issuer the item(s) being purchased, the location of the purchase, the retailer associated with the purchase, and the amount of the purchase.

19. The system of claim 17, wherein communicating the discount offer comprises communicating the offer to the user in real time at the point-of-sale location while the user is still completing the current requested financial transaction initiated at the point-of-sale location.