SYSTEMS AND METHODS TO FACILITATE AN OFFER CAMPAIGN BASED ON TRANSACTIONS WITH DIFFERENT MERCHANTS

• US 20140129313A1
• Filed: 11/05/2013
• Published: 05/08/2014
• Est. Priority Date: 11/05/2012
• Status: Active Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Rappoport, Douglas Joseph, Kirkpatrick, Melinda Langdon, Marangu, Wesley Kimathi, Combs, Heather Janette
• Application Number:
  US14/072,674
• Publication Number:
  US 20140129313A1
• Time in Patent Office: Days
• US Class Current: 705/14.25
• CPC Class Codes: G06Q 30/0224 based on user history

Abstract

Systems and methods configured to allow an offer campaign to be specified based on event requirements associated with multiple, different merchants. The event requirements are linked via prerequisite conditions to form the offer campaign. Each event may identify an event related to one merchant (e.g., a payment transaction for a purchase from the merchant) and an optional action to be performed in response to a user satisfying the requirements of the event. Each merchant in the offer campaign is allowed to insert an event related to the merchant, subsequently edit the inserted event, and identify other events in the offer campaign as prerequisite requirements of the event related to the merchant. Merchants may be prevented from inserting or editing events specific to other merchants.

Claims

1. A computer-implemented method, comprising:

receiving, in a computing apparatus, a specification of an offer campaign of a plurality of merchants, the offer campaign requiring a plurality of events linked with each other via prerequisite conditions, each event in the plurality of events being associated with one merchant in the plurality of merchants, the plurality of events associated with more than one merchant;

associating, in the computing apparatus, a consumer payment account of a user with the offer campaign; and

providing, by the computing apparatus, benefits of the offer campaign to the user according to transactions in the consumer payment account and the specification of the offer campaign.

2. The method of claim 1, further comprising:

tracking a current position of the user in the offer campaign;

generating a trigger record to detect a transaction in the consumer payment account according to a current event in the offer campaign corresponding to the current position of the user in the offer campaign; and

adjusting the current position of the user in the offer campaign in response to detection of the transaction satisfying requirements of the current event.

3. The method of claim 2, further comprising:

providing a benefit of the offer campaign to the user on behalf one of the plurality of merchants, when the user reaches a predetermined position in the offer campaign.

4. The method of claim 1, further comprising:

providing a portal to receive the specification from the plurality of merchants for the offer campaign.

5. The method of claim 4, wherein the offer campaign is pre-associated with the plurality of merchants;

and the portal is configured to provide each respective merchant associated with the offer campaign with access to specify an event related to the respective merchant.

6. The method of claim 5, wherein the event related to the respective merchant corresponds to a payment transaction between the respective merchant and a user participating in the offer campaign.

7. The method of claim 5, wherein the respective merchant is provided with access to insert an event related to the respective merchant.

8. The method of claim 7, wherein the respective merchant is provided with access to edit the event related to the respective merchant.

9. The method of claim 7, wherein the respective merchant is provided with access to identify one or more events specified in the offer campaign but not associated with the respective merchant as prerequisite conditions of the event related to the respective merchant.

10. The method of claim 7, wherein the respective merchant is provided with access to change one or more prerequisite conditions of the event related to the respective merchant.

11. The method of claim 8, wherein the portal prevents the respective merchant from adjusting events associated with the plurality of merchants other than the respective merchant.

12. The method of claim 1, wherein the plurality of events include a first event specified by a first merchant and a second event specified by a second merchant;

and the first event is a prerequisite condition of the second event.

13. The method of claim 12, wherein the first event is related to the first merchant but not related to the second merchant;

and the second event is related to the second merchant but not related to the first merchant.

14. The method of claim 13, wherein the first event corresponds to a payment transaction with the first merchant;

and the second event corresponds to a payment transaction with the second merchant.

15. The method of claim 14, wherein the first event specifies a reward from the first merchant;

and the second event specifies a reward from the second merchant.

16. The method of claim 15, wherein a participant of the offer campaign is required to make the payment transaction with the first merchant according to the first event to obtain the reward from the first merchant;

and the participant of the offer campaign is required to make the payment transaction with the first merchant according to the first event and the payment transaction with the second merchant according to the second event to obtain the reward from the second merchant.

17. A non-transitory computer-storage medium storing instructions configured to instruct a computing apparatus to at least:

receive, in the computing apparatus, a specification of an offer campaign of a plurality of merchants, the offer campaign requiring a plurality of events linked with each other via prerequisite conditions, each event in the plurality of events being associated with one merchant in the plurality of merchants, the plurality of events associated with more than one merchant;

associate, in the computing apparatus, a consumer payment account of a user with the offer campaign; and

provide, by the computing apparatus, benefits of the offer campaign to the user according to transactions in the consumer payment account and the specification of the offer campaign.

18. A computing apparatus, comprising:

at least one microprocessor; and

a memory storing instructions configured to instruct the at least one microprocessor to perform operations, the computing apparatus comprising;

a portal configured to receive a specification of an offer campaign of a plurality of merchants, the offer campaign requiring a plurality of events linked with each other via prerequisite conditions, each event in the plurality of events being associated with one merchant in the plurality of merchants, the plurality of events associated with more than one merchant;

a data warehouse configured to associate a consumer payment account of a user with the offer campaign; and

a transaction handler coupled with the data warehouse and configured to provide benefits of the offer campaign to the user according to transactions in the consumer payment account and the specification of the offer campaign.

19. The computing apparatus of claim 18, wherein the portal is configured to provide a user interface allowing each respective merchant in the plurality of merchants pre-associated with the offer campaign to operate on specification of one or more events related to the respective merchant but not on specifications of events unrelated to the respective merchant.

20. The computing apparatus of claim 19, wherein each event of the plurality of events is associated with only one of the plurality of merchants.