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

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Yoder, Jeanette, Amaro, Leigh, Hagey, Ryan, Bankston, Michael Steven
• Granted Patent: US 9,990,643 B2
• Time in Patent Office: Days
• US Class Current: 705/7.29
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 30/0255 based on user history

Abstract

In one aspect, a computing apparatus is configured to: store transaction data recording transactions processed by a transaction handler; organize third party data according to community, where the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and responsive to a request from a merchant in the second community, present an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community. In one embodiment, the first data provides permission from the merchant in the first community to allow the merchant in the second community to use intelligence information of the first community to identify users for targeting offers from the merchant in the second community.

Claims

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.

2. The method of claim 1, wherein the trigger record contains a subset of requirements to be satisfied for the transmitting of the message;

and the method further comprises;

in response to a determination that the first transaction satisfies the requirements identified in the trigger record, determining whether or not the first transaction meets the requirements to be satisfied for the transmitting of the messages.

3. The method of claim 1, further comprising:

organizing third party data according to community, wherein the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community, wherein the first community includes the first merchant, and the second community includes the second merchant.

4. The method of claim 3, wherein the second data comprises access limitations by entities outside the second community;

and the first transaction is identified to transmit the offer of the first merchant in accordance with the limitations.

5. The method of claim 1, further comprising:

storing data identifying a group of merchants and access limitations for using transactions with the group of merchants to trigger real time messages containing offers;

wherein the message to the user is transmitted in accordance with the access limitations.

6. The method of claim 1, wherein the offer is configured to be provided in the message in response to a determination that the user has not made purchases from the first merchant in a predetermined time period.

7. The method of claim 6, wherein the monitoring of the transactions is via a transaction handler of a payment processing network processing authorization of the transactions.

8. The method of claim 7, wherein the offer of the first merchant requires that transactions of one or more merchants different from the first merchant be monitored for the transmitting of the offer.

9. The method of claim 8, wherein the offer of the first merchant specifies that the offer be presented to users who have enrolled in a community.

10. The method of claim 9, further comprising:

identifying the user for the offer based at least in part on account identification information of the user submitted during enrollment in the community.

11. The method of claim 9, wherein the offer of the first merchant is transmitted to the user via a communication reference registered during enrollment of the user in the community.

12. The method of claim 11, wherein the community includes the first merchant.

13. The method of claim 11, wherein the communication references include at least one of:

phone number and email address.

14. The method of claim 1, further comprising:

determining a spending pattern from transaction data recording payment transactions processed by a transaction handler of a payment processing network, wherein the user is identified further based on the spending pattern.

15. The method of claim 14, wherein the spending pattern includes a plurality of transactions;

and a last transaction in the spending pattern triggers a presentation of the offer.

16. The method of claim 1, further comprising:

predicting a time of a next purchase of the user, wherein the offer provided to the user is configured to expire prior to the predicted time of the next purchase.

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

store, in the computing apparatus, data representing an offer from a first merchant;

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

monitor, 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

transmit, 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.

18. A computing apparatus, comprising:

at least one microprocessor; and

memory storing instructions configured to instruct the microprocessor to perform operations, wherein the computing apparatus comprises;

a transaction handler of a payment processing network;

a data warehouse coupled with the transaction handler and configured to store data representing an offer from a first merchant;

a portal coupled with the data warehouse and configured to generate a trigger record for the offer, the trigger record causing the transaction handler to monitor transactions and 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

a message broker coupled with the data warehouse to generate a message containing the offer for transmission to a communication reference of the user in real time with processing of authorization of the first transaction between the user and the second merchant.

19. The computing apparatus of claim 18, further comprising:

an event detection engine coupled with the message broker and the data warehouse to detect an event satisfying requirements for presentation of the offer.

20. The computing apparatus of claim 19, further comprising:

a pattern recognition engine coupled with the data warehouse and the event detection engine to detect spending patterns, wherein at least a portion of requirements for the presentation of the offer is based on detection of the spending patterns.