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 having a transaction handler to:
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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 computing apparatus, whether the authorization request satisfies requirements of an offer associated with the account identifier; if the authorization request satisfies the requirements of the offer associated with the account identifier, identify, by the computing apparatus, a communication reference associated with the account identifier, generate, by the computing apparatus, a message regarding a benefit of the offer 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 processing of the authorization request; detect a settlement of the payment corresponding to the authorization request; and in response to the settlement being detected, provide the benefit to the user; wherein the settlement of the payment corresponding to the authorization request does not occur in real-time with the processing of the authorization request.
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20. A computing apparatus having at least one microprocessor and memory storing instructions configured to instruct the at least one microprocessor to perform operations, the computing apparatus comprising:
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a data warehouse configured to store data associating an offer with an account identifier, the offer having a set of requirements; 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 the 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 satisfies the set of requirements of the offer, the message broker identifies a communication reference associated with the account identifier and generates a message regarding a benefit of the offer 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; wherein the transaction handler is configured to detect a settlement of the payment corresponding to the authorization request and in response to the settlement being detecting, provide the benefit to the user; and wherein the settlement of the payment corresponding to the authorization request does not occur in real-time with the processing of the authorization request.
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Specification