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SYSTEMS AND METHODS TO PROVIDE REAL-TIME OFFERS VIA A COOPERATIVE DATABASE

  • US 20140236672A1
  • Filed: 04/29/2014
  • Published: 08/21/2014
  • Est. Priority Date: 09/03/2010
  • Status: Active Grant
First Claim
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1. A computer-implemented method, comprising:

  • storing, in a computing apparatus, data representing an offer from a first merchant;

    generating, by the computing apparatus, a trigger record for the offer;

    monitoring, by the computing apparatus, transactions to detect a first transaction between a user and a second merchant different from the first merchant, the first transaction to satisfy requirements identified in the trigger record to be detected; and

    transmitting, by the computing apparatus and in real time with processing of authorization of the first transaction between the user and the second merchant, a message to the user to provide the offer from the first merchant.

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