METHODS AND SYSTEMS FOR CONNECTING MULTIPLE MERCHANTS TO AN INTERACTIVE ELEMENT IN A WEB PAGE

• US 20150287032A1
• Filed: 06/19/2015
• Published: 10/08/2015
• Est. Priority Date: 06/27/2012
• Status: Active Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: FRIEDMAN, Michael J.
• Application Number:
  US14/744,528
• Publication Number:
  US 20150287032A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

A method for redirecting a user apparatus to a merchant web page includes: transmitting web page data corresponding to a web page to be displayed on a user apparatus, the web page includes at least one interactive element; receiving an indication of a user interaction with an interactive element; storing, a plurality of merchant data entries, each entry including a merchant web page, an indication of interest, and an associated interactive element; identifying, a subset of the plurality of data entries, wherein each entry in the subset is associated with the interactive element; identifying, in the subset, a single entry based on the indication of interest of each entry in the subset; and transmitting redirecting data to redirect the user apparatus to the merchant web page associated with the single entry.

Claims

1. A method for processing a financial transaction, comprising:

storing, in a database, a plurality of merchant data entries, where each merchant data entry includes at least a merchant identifier, a product identifier, and an indication of interest;

receiving, via a web page, an authorization request for a financial transaction, wherein the authorization request includes at least a consumer and a product identification;

identifying, in the database, a subset of the plurality of merchant data entries, wherein, for each merchant data entry in the subset of the plurality of merchant data entries, the associated product identifier corresponds to the received product identification;

identifying, from the subset of the plurality of merchant data entries, a single merchant data entry based on the associated indication of interest of each merchant data entry in the subset of the plurality of merchant data entries;

processing, by a processor, the financial transaction including the consumer and a merchant corresponding to a merchant identifier associated with the single merchant data entry; and

transmitting, by a transmitter device, transaction data of the financial transaction to the merchant associated with the single merchant data entry.

2. The method of claim 1, wherein the indication of interest includes at least one of a numerical value, token, grade, and indicia indicating of the relative ranking of each merchant corresponding to each of the plurality of merchant data entries.

3. The method of claim 1, wherein the numerical value is selected from one of a percentage, numerical value generated by an algorithm taking into consideration other factors, and a cryptogram.

4. The method of claim 1, wherein the indication of interest is based on a financial bid of a merchant associated with a merchant identifier included in the corresponding merchant data entry.

5. The method of claim 4, wherein the indication of interest is a measurement of the financial bid of the merchant compared to the financial bids of other merchants corresponding to other merchant data entries in the subset of the plurality of merchant data entries.

6. The method of claim 4, wherein each merchant data entry of the plurality of merchant data entries further includes at least one of fulfillment information, inventory, pricing information, shipping information, and availability.

7. A system for processing a financial transaction, comprising:

a database configured to store a plurality of merchant data entries, where each merchant data entry includes at least a merchant identifier, a product identifier, and an indication of interest;

a receiver device configured to receive, via a web page, an authorization request for a financial transaction, wherein the authorization request includes at least a consumer and a product identification;

a processor configured to

identify, in the database, a subset of the plurality of merchant data entries, wherein, for each merchant data entry in the subset of the plurality of merchant data entries, the associated product identifier corresponds to the received product identification,

identify, from the subset of the plurality of merchant data entries, a single merchant data entry based on the associated indication of interest of each merchant data entry in the subset of the plurality of merchant data entries, and

process the financial transaction including the consumer and a merchant corresponding to a merchant identifier associated with the single merchant data entry; and

a transmitter device configured to transmit transaction data of the financial transaction to the merchant associated with the single merchant data entry.

8. The system of claim 7, wherein the indication of interest includes at least one of a numerical value, token, grade, and indicia indicating the relative ranking of each merchant corresponding to each of the plurality of merchant data entries.

9. The system of claim 8, wherein the indication of interest includes at least one numerical value and the at least one numerical value is selected from one of a percentage, numerical value generated by an algorithm taking into consideration other factors, and a cryptogram.

10. The system of claim 7, wherein the indication of interest is based on a financial bid of a merchant corresponding to the merchant identifier included in the corresponding merchant data entry.

11. The system of claim 10, wherein the indication of interest is a measurement of the financial bid of the merchant compared to the financial bids of other merchants corresponding to other merchant data entries in the subset of the plurality of merchant data entries.

12. The system of claim 7, wherein each merchant data entry of the plurality of merchant data entries further includes at least one of fulfillment information, inventory, pricing information, shipping information, and availability.