DYNAMIC OFFERS
First Claim
Patent Images
1. A computer system for managing electronic transactions, comprising:
- a server computer system including;
a processor;
a computer-readable medium connected to the processor;
a network interface device connected to the processor; and
a set of instructions on the computer-readable medium, the set of instructions being executable by the processor and including;
a data store;
a plurality of consumer accounts in the data store, each consumer account having a first consumer account identifier;
a transaction clearing system generating historic transaction data for one of the consumer accounts, including receiving, with the processor, a first charge request over the network interface device, the first charge request including an amount and a second consumer account identifier, identifying, with the processor, a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier, and processing, with the processor, the first charge request based on an account detail of the selected consumer account;
a plurality of merchant accounts in the data store, each merchant account having a merchant account identifier;
a merchant account management system generating merchant offer data for one of the merchant accounts, including receiving, with the processor, a merchant offer from a merchant computer system over the network interface device, and storing, with the processor, the merchant offer in the data store in association with the merchant account having the respective merchant account identifier;
a dynamic amount calculation module dynamically determining a dynamic amount associated with the offer based on the historic transaction data; and
a push module associating, with the processor, the merchant offer with the consumer account identifier, the merchant offer including the dynamic amount, the transaction clearing system processing a transaction, including receiving, with the processor, a second charge request over the network interface device, the second charge request including an amount and a second consumer account identifier, identifying, with the processor, a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier, and processing, with the processor, the second charge request based on the dynamic amount of the selected consumer account.
5 Assignments
0 Petitions
Accused Products
Abstract
A computer-based method of managing electronic transactions is described. A dynamic amount is dynamically determined based on historic transaction data of a plurality of first charge requests of a consumer account. A merchant offer is associated with the consumer account, including the dynamic amount. A transaction is then processed, including receiving a second charge request, and processing the second charge request based on the dynamic amount.
-
Citations
21 Claims
-
1. A computer system for managing electronic transactions, comprising:
-
a server computer system including; a processor; a computer-readable medium connected to the processor; a network interface device connected to the processor; and a set of instructions on the computer-readable medium, the set of instructions being executable by the processor and including; a data store; a plurality of consumer accounts in the data store, each consumer account having a first consumer account identifier; a transaction clearing system generating historic transaction data for one of the consumer accounts, including receiving, with the processor, a first charge request over the network interface device, the first charge request including an amount and a second consumer account identifier, identifying, with the processor, a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier, and processing, with the processor, the first charge request based on an account detail of the selected consumer account; a plurality of merchant accounts in the data store, each merchant account having a merchant account identifier; a merchant account management system generating merchant offer data for one of the merchant accounts, including receiving, with the processor, a merchant offer from a merchant computer system over the network interface device, and storing, with the processor, the merchant offer in the data store in association with the merchant account having the respective merchant account identifier; a dynamic amount calculation module dynamically determining a dynamic amount associated with the offer based on the historic transaction data; and a push module associating, with the processor, the merchant offer with the consumer account identifier, the merchant offer including the dynamic amount, the transaction clearing system processing a transaction, including receiving, with the processor, a second charge request over the network interface device, the second charge request including an amount and a second consumer account identifier, identifying, with the processor, a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier, and processing, with the processor, the second charge request based on the dynamic amount of the selected consumer account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
-
-
12. A computer-based method of managing electronic transactions, comprising:
-
storing, with a processor, a plurality of consumer accounts in a data store, each consumer account having a first consumer account identifier; generating historic transaction data for one of the consumer accounts, including receiving, with the processor, a first charge request over the network interface device, the first charge request including an amount and a second consumer account identifier, identifying, with the processor, a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier, and processing, with the processor, the first charge request based on an account detail of the selected consumer account; storing, with the processor, a plurality of merchant accounts in the data store, each merchant account having a merchant account identifier; generating merchant offer data for one of the merchant accounts, including receiving, with the processor, a merchant offer from a merchant computer system over the network interface device, and storing, with the processor, the merchant offer in the data store in association with the merchant account having the respective merchant account identifier; dynamically determining, with the processor, a dynamic amount associated with the offer based on the historic transaction data; associating, with the processor, the merchant offer with the consumer account identifier, the merchant offer including the dynamic amount; and processing a transaction, including receiving, with the processor, a second charge request over the network interface device, the second charge request including an amount and a second consumer account identifier, identifying, with the processor, a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier, and processing, with the processor, the second charge request based on the dynamic amount of the selected consumer account. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21)
-
Specification