ENHANCED TRANSACTION PROCESSING

• US 20140025452A1
• Filed: 09/27/2012
• Published: 01/23/2014
• Est. Priority Date: 07/20/2012
• Status: Abandoned Application

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Knowles, Kevin Joseph, Owen, Sarah, Bohn, Julie Christine, Cole, Robert James, Coleman, Sammy Leigh, Cavicchi, Peter R. III, Young, Susan Munn, Kirshenbaum, Amy Lynne, Cekan, Natalie
• Application Number:
  US13/629,175
• Publication Number:
  US 20140025452A1
• Time in Patent Office: Days
• US Class Current: 705/14.17
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions

Abstract

Methods, systems, and computer-executable instructions for managing customer incentives in a payment processing system are provided. An exemplary method includes associating a customer identifier with a payment account of a customer in a database of the payment processing system. The method includes receiving activity information associated with an activity of the customer, identifying an incentive based on the received activity information and the customer identifier, and linking the incentive to the payment account in the database. In response to receiving a request to authorize a transaction using the payment account, the incentive is retrieved from the database and applied to the transaction if criteria are satisfied.

Claims

1. A computer-implemented method of managing customer incentives in a payment processing system comprising:

associating a customer identifier with a payment account of a customer in a database of the payment processing system;

receiving, at the payment processing system, activity information associated with an activity of the customer, wherein the activity information includes the customer identifier;

identifying an incentive based on the received activity information and the customer identifier and linking the incentive to the payment account in the database;

retrieving the incentive from the database, based on the payment account, in response to receiving a request to authorize a transaction using the payment account, wherein the request includes identification of the payment account; and

applying the incentive to the transaction by the payment processing system if one or more criteria are satisfied.

2. The method of claim 1 wherein the activity does not include use of the payment account.

3. The method of claim 1 wherein the activity includes posting information about a product, a service, or a merchant on a website.

4. The method of claim 3 wherein the activity information includes an activity level and the one or more criteria are satisfied if the activity level meets or exceeds a threshold.

5. The method of claim 4 wherein the activity level includes one or more of:

a number of times the posted information is viewed, a number of times the posted information is forwarded, a number of times the posted information is shared, a number of times the posted information is acknowledged, a number of times a link in the posted information is used, and a number of times the posted information triggers a purchase by another customer.

6. The method of claim 3 wherein the incentive includes a discount associated with the product, the service, or the merchant.

7. The method of claim 1 wherein the incentive includes a credit to the payment account.

8. The method of claim 3 wherein the customer is identified by the customer identifier at the website.

9. The method of claim 3 wherein the website includes a blog entry written by the customer.

10. The method of claim 3 wherein the website is included in a social media environment.

11. The method of claim 10 wherein the activity includes one or more of conducting a purchase in the social media environment and achieving a goal in the social media environment.

12. The method of claim 10 further comprising linking an account of the customer in the social media environment to the payment account in the payment processing system database such that the activity information is automatically received.

13. The method of claim 1 wherein the one or more criteria require that a specified product or service is included in the transaction.

14. The method of claim 1 wherein the payment account is one or more of a credit account, a debit account, and a prepaid account.

15. The method of claim 1 wherein identifying an incentive based on the received activity information comprises:

retrieving an existing unused incentive from the database;

identifying the incentive based on the existing unused incentive and the received activity information; and

removing eligibility for the existing unused incentive from the database.

16. The method of claim 1 wherein the activity is a person-to-person (P2P) payment and the customer is an initiator or a recipient of the P2P payment.

17. The method of claim 16 wherein the P2P payment utilizes a bank account of the customer and the customer identifier is linked to the bank account.

18. A transaction processing system comprising:

a database;

a communication module configured to;

receive activity information associated with an activity of a customer; and

receive a request to authorize a transaction using a payment account of the customer;

a linking module configured to;

associate a customer identifier with the payment account in the database;

identify an incentive based on the received activity information and the customer identifier; and

link the incentive to the payment account in the database; and

a transaction module configured to;

retrieve the incentive from the database in response to the received request to authorize the transaction; and

apply the incentive to the transaction if a rule is satisfied, wherein the incentive includes one or more of an adjustment to an amount of the transaction and a credit to the payment account.

19. The transaction processing system of claim 18 wherein the activity includes posting information about a product, a service, or a merchant on a website.

20. The transaction processing system of claim 19 wherein the activity information includes an activity level of the customer and the rule is satisfied if the activity level meets or exceeds a predefined threshold.

21. The transaction processing system of claim 20 wherein the activity level includes one or more of:

a number of times the posted information is viewed, a number of times the posted information is forwarded, a number of times the posted information is shared, a number of times the posted information is acknowledged, a number of times a link in the posted information is used, and a number of times the posted information triggers a purchase by another customer.

22. The transaction processing system of claim 19 wherein the customer is identified at the website by the customer identifier.

23. The transaction processing system of claim 19 wherein the activity is a blog entry written by the customer.

24. The transaction processing system of claim 19 wherein the website provides access to a social media environment and the activity includes one or more of making a purchase in the social media environment and participating in a game in the social media environment.

25. The transaction processing system of claim 24 further comprising linking an account of the customer in the social media environment to the payment account in the database such that the activity information is automatically received by the transaction processing system.

26. The transaction processing system of claim 18 wherein the rule requires that the transaction satisfies a minimum transaction amount.

27. The transaction processing system of claim 18 wherein the payment account is one or more of a credit account, a debit account, and a prepaid account.

28. The transaction processing system of claim 18 wherein to identify an incentive based on the received activity information includes to:

retrieve an existing unused incentive from the database;

identify the incentive based on the existing unused incentive and the received activity information; and

remove eligibility for the existing unused incentive from the database.

29. The transaction processing system of claim 18 wherein the activity is a P2P payment and the customer is an initiator or a recipient of the P2P payment.

30. A non-transitory computer-readable medium comprising instructions that, when executed by one or more computer processors direct the one or more computer processors to:

associate a customer identifier with a payment account of a customer in a database;

receive activity information associated with an activity of the customer;

identify an incentive for the customer based on the received activity information and the customer identifier and link the incentive to the payment account in the database;

receive a request to authorize a transaction using the payment account; and

apply the incentive to the transaction if one or more rules are satisfied.

31. The medium of claim 30 wherein the activity includes posting information about a product, a service, or a merchant on a website.

32. The medium of claim 30 wherein the activity information includes an activity level and the one or more rules are satisfied if the activity level satisfies an activity threshold.

33. The medium of claim 32 wherein the activity level includes one or more of:

a number of times the posted information is viewed, a number of times the posted information is forwarded, a number of times the posted information is shared, a number of times the posted information is acknowledged, a number of times a link in the posted information is used, and a number of times the posted information triggers a purchase by another customer.

34. The medium of claim 31 wherein the activity is a review of the product, the service, or the merchant provided by the customer.

35. The medium of claim 31 wherein the website is part of a social media environment.

36. The medium of claim 35 wherein the instructions further direct the one or more processors to link an account of the customer in the social media environment to the payment account in the database such that the activity information is automatically received from the social media environment.

37. The medium of claim 30 wherein the activity is a P2P payment.

38. The medium of claim 30 wherein the one or more rules require that the transaction is conducted at a specified merchant.