SYSTEMS AND METHODS TO PROCESS OFFERS BASED ON MERCHANT HIERARCHIES
First Claim
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1. A method, comprising:
- storing, in a computing apparatus, merchant hierarchy data associating a plurality of transaction terminals with a plurality of merchants and associating the plurality of merchants with a plurality of merchant groups, whereineach transaction terminal in the plurality of transaction terminals is associated with a single merchant in the plurality of merchants,a first merchant in the plurality of merchants is associated with more than one merchant group in the plurality of merchant groups, anda first merchant group in the plurality of merchant groups includes more than one merchant that includes the first merchant;
storing, in the computing apparatus, offer data associating a plurality of offers with the plurality of merchant groups;
during processing of a payment transaction initiated on a first transaction terminal of the first merchant in a payment processing network, identifying, by the computing apparatus using the merchant hierarchy data, the more than one merchant group;
combining, by the computing apparatus, transaction data of the payment transaction with information about the more than one merchant group to generate enriched transaction data; and
applying rules of the plurality of offers to the enriched transaction data to identify one or more offers applicable to the payment transaction.
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Abstract
System and method configured to store data defining merchant groups, data associating transaction terminals with merchant groups, and data associating offers with merchant groups. Each of the merchant has one or more transaction terminals configured to process payments via a payment processing network. When a transaction being processed in the payment processing network is detected to be relevant to offers, the transaction data is augmented/enriched with data identifying one or more merchant groups to which a transaction terminal that initiates the transaction is associated. Offer rules are applied to the transaction data that is augmented with merchant group data.
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Citations
20 Claims
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1. A method, comprising:
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storing, in a computing apparatus, merchant hierarchy data associating a plurality of transaction terminals with a plurality of merchants and associating the plurality of merchants with a plurality of merchant groups, wherein each transaction terminal in the plurality of transaction terminals is associated with a single merchant in the plurality of merchants, a first merchant in the plurality of merchants is associated with more than one merchant group in the plurality of merchant groups, and a first merchant group in the plurality of merchant groups includes more than one merchant that includes the first merchant; storing, in the computing apparatus, offer data associating a plurality of offers with the plurality of merchant groups; during processing of a payment transaction initiated on a first transaction terminal of the first merchant in a payment processing network, identifying, by the computing apparatus using the merchant hierarchy data, the more than one merchant group; combining, by the computing apparatus, transaction data of the payment transaction with information about the more than one merchant group to generate enriched transaction data; and applying rules of the plurality of offers to the enriched transaction data to identify one or more offers applicable to the payment transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A computing apparatus, comprising:
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at least one microprocessor; and memory storing instructions configured to instruct the at least one microprocessor to at least; store, in the computing apparatus, merchant hierarchy data associating a plurality of transaction terminals with a plurality of merchants and associating the plurality of merchants with a plurality of merchant groups, wherein each transaction terminal in the plurality of transaction terminals is associated with a single merchant in the plurality of merchants, a first merchant in the plurality of merchants is associated with more than one merchant group in the plurality of merchant groups, and a first merchant group in the plurality of merchant groups includes more than one merchant that includes the first merchant; store, in the computing apparatus, offer data associating a plurality of offers with the plurality of merchant groups; during processing of a payment transaction initiated on a first transaction terminal of the first merchant in a payment processing network, identify, by the computing apparatus using the merchant hierarchy data, the more than one merchant group; combine, by the computing apparatus, transaction data of the payment transaction with information about the more than one merchant group to generate enriched transaction data; and apply rules of the plurality of offers to the enriched transaction data to identify one or more offers applicable to the payment transaction.
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20. 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, merchant hierarchy data associating a plurality of transaction terminals with a plurality of merchants and associating the plurality of merchants with a plurality of merchant groups, wherein each transaction terminal in the plurality of transaction terminals is associated with a single merchant in the plurality of merchants, a first merchant in the plurality of merchants is associated with more than one merchant group in the plurality of merchant groups, and a first merchant group in the plurality of merchant groups includes more than one merchant that includes the first merchant; store, in the computing apparatus, offer data associating a plurality of offers with the plurality of merchant groups; during processing of a payment transaction initiated on a first transaction terminal of the first merchant in a payment processing network, identify, by the computing apparatus using the merchant hierarchy data, the more than one merchant group; combine, by the computing apparatus, transaction data of the payment transaction with information about the more than one merchant group to generate enriched transaction data; and apply rules of the plurality of offers to the enriched transaction data to identify one or more offers applicable to the payment transaction.
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Specification