Proximal Customer Transaction Incented By Donation of Auto-Boarded Merchant
First Claim
1. A method comprising a plurality of steps each being performed by hardware executing software, wherein the steps include:
- obtaining from one or more databases, using information derived from a Globally Unique Identifier (GUID) for a merchant, merchant data for the merchant that includes;
a geographic address for the merchant;
a default affinity entity;
a default maximum travel time to the geographic address for the merchant; and
a default business rule obligating the merchant to donate to the affinity entity;
storing the merchant data for the merchant in one or more databases; and
processing information derived from an authorization response for a transaction conducted by the merchant on an account issued to an account holder, wherein the information includes identifiers for the merchant and for the account holder and a currency amount of the transaction, by;
retrieving, using the identifier for the merchant, at least a portion of the stored merchant data for the merchant;
accessing from one or more databases, using information derived from the identifier for the account holder, account holder data for the account holder that includes a geographic address for the account holder;
inquiring, using the geographic addresses for the account holder and the merchant, the travel time from the geographic address of the account holder to the geographic address of the merchant; and
if the inquired travel time is within a predetermined tolerance of the default maximum travel time, deriving, using the default business rule and the currency amount of the transaction, a donation to be made by the merchant to the default affinity entity.
1 Assignment
0 Petitions
Accused Products
Abstract
Address, time, and rules obligating donee donations are auto-populated for merchants whose authorization responses for transactions conducted on accounts are used to obtain account holders'"'"' travel time to the merchants'"'"'. When travel time is proximal to the auto-populated time, the rule and the transaction currency amount are used to calculate the merchant'"'"'s donee donation, which donation can be messaged for auditing of donations paid and payable. A predetermined time after each such transaction, the merchant is sent a notice as to the difference between obligatory donee donations and the donee donations received. Auto-populated addresses, times, and rules are amendable by the merchant, and the donee amendable by the account holder, whereby the merchant selects the donation, and the account holder selects the donee. Answers to account holder surveys, upon receipt, increments currencies for account holder or donee with greater increment for fast answers.
51 Citations
24 Claims
-
1. A method comprising a plurality of steps each being performed by hardware executing software, wherein the steps include:
-
obtaining from one or more databases, using information derived from a Globally Unique Identifier (GUID) for a merchant, merchant data for the merchant that includes; a geographic address for the merchant; a default affinity entity; a default maximum travel time to the geographic address for the merchant; and a default business rule obligating the merchant to donate to the affinity entity; storing the merchant data for the merchant in one or more databases; and processing information derived from an authorization response for a transaction conducted by the merchant on an account issued to an account holder, wherein the information includes identifiers for the merchant and for the account holder and a currency amount of the transaction, by; retrieving, using the identifier for the merchant, at least a portion of the stored merchant data for the merchant; accessing from one or more databases, using information derived from the identifier for the account holder, account holder data for the account holder that includes a geographic address for the account holder; inquiring, using the geographic addresses for the account holder and the merchant, the travel time from the geographic address of the account holder to the geographic address of the merchant; and if the inquired travel time is within a predetermined tolerance of the default maximum travel time, deriving, using the default business rule and the currency amount of the transaction, a donation to be made by the merchant to the default affinity entity. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
-
-
15. A method comprising a plurality of steps each being performed by hardware executing software, wherein the steps include:
-
auto-populating, for a merchant, an address, duration, and a rule obligating a donation to a donee; using information from an authorization response for a transaction conducted by the merchant on an account of an account holder to obtain a travel time of the account holder from its address to the auto-populated address; and when travel time is within a predetermined threshold of the auto-populated duration, deriving a donation, using the auto-populated rule and a currency amount of the transaction, that the merchant is obligated to make to the auto-populated donee. - View Dependent Claims (16, 17, 18, 19)
-
-
20. A method comprising a plurality of steps each being performed by hardware executing software, wherein the steps include:
-
auto-populating, for each of a plurality of merchants, an address, duration, and a rule obligating a donation to a donee; for each of a plurality of transactions between respective said merchants and respective account holders on an account issued to the account holder; using information from an authorization response for the transaction to obtain a travel time from an address retrieved for the account holder to the auto-populated address for the merchant; and when the obtained travel time is within a predetermined threshold of the auto-populated duration for the merchant, deriving a donation, using the auto-populated rule for the merchant and a currency amount of the transaction, that the merchant is obligated to make to the auto-populated donee. - View Dependent Claims (21, 22, 23, 24)
-
Specification