SYSTEMS AND METHODS TO PROGRAM INTERACTION WITH A USER THROUGH TRANSACTIONS IN MULTIPLE ACCOUNTS
First Claim
1. A computer-implemented method, comprising:
- storing, in a computing apparatus, data associating a plurality of accounts of a user;
storing, in the computing apparatus, offer rules of an offer;
determining, by the computing apparatus, the user satisfying a first requirement of the offer rules of the offer in response to a first transaction in a first account of the plurality of accounts of the user; and
determining, by the computing apparatus, the user satisfying a second requirement of the offer rules of the offer based ona second transaction in a second account of the plurality of accounts of the user, the second account being different from the first account, andthe user satisfying the first requirement via the first transaction in the first account of the plurality of accounts of the user.
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Accused Products
Abstract
In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions to formulate the requirements of an offer campaign. The computing apparatus is configured to allow a user to register a plurality of different accounts; and a transaction in a first account of the user can be used to satisfy the prerequisite conditions for the detection of a subsequent event in the offer rules corresponding to a subsequent transaction in a second account different from the first account. Thus, the user can use any of the registered accounts to generate the events anticipated by different stages of the offer rules and thus trigger the respective actions.
70 Citations
20 Claims
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1. A computer-implemented method, comprising:
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storing, in a computing apparatus, data associating a plurality of accounts of a user; storing, in the computing apparatus, offer rules of an offer; determining, by the computing apparatus, the user satisfying a first requirement of the offer rules of the offer in response to a first transaction in a first account of the plurality of accounts of the user; and determining, by the computing apparatus, the user satisfying a second requirement of the offer rules of the offer based on a second transaction in a second account of the plurality of accounts of the user, the second account being different from the first account, and the user satisfying the first requirement via the first transaction in the first account of the plurality of accounts of the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A non-transitory computer-storage medium storing instructions configured to instruct a computing apparatus to at least:
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store, in the computing apparatus, data associating a plurality of accounts of a user; store, in the computing apparatus, offer rules of an offer; determine, by the computing apparatus, the user satisfying a first requirement of the offer rules of the offer in response to a first transaction in a first account of the plurality of accounts of the user; and determine, by the computing apparatus, the user satisfying a second requirement of the offer rules of the offer based on a second transaction in a second account of the plurality of accounts of the user, the second account being different from the first account, and the user satisfying the first requirement via the first transaction in the first account of the plurality of accounts of the user.
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19. A computing apparatus having at least one processor and a memory storing instructions configured to instruct the at least one processor to perform operations, the computing apparatus comprising:
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a data warehouse having at least one storage medium configured to store data associating a plurality of accounts of a user, and store offer rules of an offer; a transaction handler having at least one processor configured to process payment transactions in payment accounts in a payment processing network, including a first transaction in a first account of the plurality of accounts of the user, and a second transaction in a second account of the plurality of accounts of the user, the second account being different from the first account; and a rule engine coupled with the data warehouse and the transaction handler and configured to determine the user satisfying a first requirement of the offer rules of the offer in response to the first transaction in the first account of the plurality of accounts of the user, and determine the user satisfying a second requirement of the offer rules of the offer based on; the second transaction in the second account of the plurality of accounts of the user, and the user satisfying the first requirement via the first transaction in the first account of the plurality of accounts of the user. - View Dependent Claims (20)
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Specification