SYSTEMS AND METHODS TO PROCESS REFERRALS BETWEEN OFFER CAMPAIGNS
First Claim
1. A computing apparatus having at least one processor and memory storing instructions configure to instruct the at least one processor to perform operations, the computing apparatus comprising:
- a transaction handler configured to process payment transactions in a payment processing network;
a data warehouse configured to store transaction data recording the payment transactions processed via the transaction handler and further store a set of event records linked via prerequisite conditions to define a first loyalty program, wherein an event record in the set of the event records identifies an action,an event in the first loyalty program, the action to be performed for the user in the first loyalty program in response to the event occurring for a user enrolled in the first loyalty program and occurring in according with the prerequisite conditions linking the set of event records, anda referral configuration identifying a set of screening conditions for a second loyalty program;
a rule engine coupled to the data warehouse to determine, in response to the event occurring for the user enrolled in the first loyalty program and in accordance with the prerequisite conditions linking the set of event records, whether the user satisfies the set of screening conditions;
a message broker configured to generate, in response to a determination that the user satisfies the set of screening conditions, a message providing an offer to enroll the user in the second loyalty program; and
a media controller configured to transmit the message providing the offer to enroll the user in the second loyalty program in real time with processing of the event, wherein the event comprises a payment transaction made using a consumer account of the user and processed via the transaction handler.
1 Assignment
0 Petitions
Accused Products
Abstract
In one aspect, a computing apparatus is configured with a mechanism to automate and regulate referrals across multiple programs, such as offer campaigns, loyalty programs, coupon programs, etc. The specification of a first program is configured with the identification of referral opportunities that correspond to activities of users in the first program. A set of selection criteria can be used to select a subset of users engaging in the respective activities. The subset of users is provided with the offer from the second program. If a user accepts the offer, the data about the user in the first program is used to automate the enrollment of the user in the second program. The second program may be configured with referral configuration parameters to match with the referral opportunities provided by other programs, if the second program is also hosted on the computing apparatus.
-
Citations
20 Claims
-
1. A computing apparatus having at least one processor and memory storing instructions configure to instruct the at least one processor to perform operations, the computing apparatus comprising:
-
a transaction handler configured to process payment transactions in a payment processing network; a data warehouse configured to store transaction data recording the payment transactions processed via the transaction handler and further store a set of event records linked via prerequisite conditions to define a first loyalty program, wherein an event record in the set of the event records identifies an action, an event in the first loyalty program, the action to be performed for the user in the first loyalty program in response to the event occurring for a user enrolled in the first loyalty program and occurring in according with the prerequisite conditions linking the set of event records, and a referral configuration identifying a set of screening conditions for a second loyalty program; a rule engine coupled to the data warehouse to determine, in response to the event occurring for the user enrolled in the first loyalty program and in accordance with the prerequisite conditions linking the set of event records, whether the user satisfies the set of screening conditions; a message broker configured to generate, in response to a determination that the user satisfies the set of screening conditions, a message providing an offer to enroll the user in the second loyalty program; and a media controller configured to transmit the message providing the offer to enroll the user in the second loyalty program in real time with processing of the event, wherein the event comprises a payment transaction made using a consumer account of the user and processed via the transaction handler. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
-
-
14. A computer-implemented method, comprising:
-
storing, in a computing apparatus, referral criteria data; detecting, by the computing apparatus, an activity of a user in a first loyalty program; in response to the detecting of the activity of the user, determining by the computing apparatus whether the user satisfies requirements of the referral criteria data based on an identification of the activity; and communicating, by the computing apparatus, an offer from a second loyalty program to the user if the user satisfies the requirements. - View Dependent Claims (15, 16, 17, 18, 19)
-
-
20. A non-transitory computer-storage medium storing instructions configured to instruct a computing apparatus to at least:
-
store, in the computing apparatus, referral criteria data; detect, by the computing apparatus, an activity of a user in a first loyalty program; determine by the computing apparatus, in response to the detecting of the activity of the user, whether the user satisfies requirements of the referral criteria data based on an identification of the activity; and communicate, by the computing apparatus, an offer from a second loyalty program to the user if the user satisfies the requirements.
-
Specification