Systems and methods to provide messages in real-time with transaction processing

• US 8,359,274 B2
• Filed: 06/02/2011
• Issued: 01/22/2013
• Est. Priority Date: 06/04/2010
• 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, Vroom, Derek A., Bankston, Michael Steven
• Primary Examiner(s): Reagan, James A
• Application Number:
  US13/152,186
• Publication Number:
  US 20110302011A1
• Time in Patent Office: 600 Days
• Field of Search: 705/64
• US Class Current: 705/64
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/384 using social networks
• 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 20/401 Transaction verification
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0231 Awarding of a frequent usage incentive independent of the monetary value of a good or service purchased, or distance travelled
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G07F 9/001 Interfacing with vending machines using mobile or wearable devices
• CPC Class Codes: G07F 9/009 User recognition or proximity detection

Abstract

In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.

Claims

1. A computer-implemented method, comprising:

receiving, in a computing apparatus having a transaction handler, an input from a merchant to active a set of offer rules of an offer;

generating, by the computing apparatus, a first trigger record in response to the input from the merchant to activate the offer rules;

processing, by the transaction handler, an authorization request received from an acquirer processor, the authorization request being processed for a payment to be made by an issuer processor on behalf of a user having an account identifier associated with the issuer processor, the acquirer processor to receive the payment on behalf of a merchant;

determining, by the transaction handler, the authorization request matches the first trigger record;

in response to a determination that the authorization request matches the first trigger record,

generating a second trigger record to detect a settlement of the payment,

identifying, by the computing apparatus, a communication reference of the user in accordance with the trigger record,

generating, by the computing apparatus, a message regarding a benefit to be provided to the user upon completion of the payment, and

transmitting, from the computing apparatus, the message to the user via the communication reference in real-time with the processing of the authorization request; and

in response to detection of the settlement of the payment using the second trigger record, providing a benefit of the offer to the user.

2. The method of claim 1, wherein the communication reference is one of:

phone number and email address; and

the message is transmitted via at least one of;

short message service and email.

3. The method of claim 1, wherein the message is transmitted to a mobile phone of the user via the communication reference.

4. The method of claim 1, wherein the message is transmitted to the user via a communication channel separate from a communication channel used to provide a response to the authorization request.

5. The method of claim 1, further comprising:

identifying a further offer based on transaction data of the user;

wherein the message provides the further offer.

6. The method of claim 5, further comprising:

receiving the offer rules from a merchant via a portal;

wherein the further offer is identified based further on the offer rules.

7. The method of claim 5, wherein the further offer is identified in real-time with the processing of the authorization request.

8. The method of claim 5, wherein the further offer is identified in response to a determination that the authorization request matches the first trigger record.

9. The method of claim 5, wherein the further offer is identified based on a profile of the user summarizing the transaction data of the user.

10. The method of claim 9, further comprising:

generating the profile from the transaction data of the user via a cluster analysis and a factor analysis.

11. The method of claim 1, wherein the message indicates that a transaction for which the authorization request is processed is eligible for the benefit of the offer associated with the account identifier of the user, when the transaction is completed.

12. The method of claim 11, further comprising:

storing, in the computing apparatus, the offer in association with the account identifier, wherein the trigger record identifies the offer.

13. The method of claim 12, further comprising:

determining whether the payment, if completed, entitles the user to the benefit of the offer, in response to a determination that the authorization request matches the trigger record;

wherein the message is transmitted to the user via the communication reference in response to an indication of approval of the authorization request and after a determination is made that the payment, if completed, entitles the user to the benefit of the offer.

14. The method of claim 11, further comprising:

identifying a settled transaction corresponding to the authorization request; and

providing the benefit of the offer to the user via statement credits after the settled transaction is identified.

15. The method of claim 11, further comprising:

identifying a settled transaction corresponding to the authorization request; and

providing the benefit of the offer to the user via loyalty program points after the settled transaction is identified.

16. The method of claim 11, further comprising:

providing the benefit of the offer to the user via point of sale credit using digital coupons transmitted to a cellular telephone of the user during processing of the payment at a transaction terminal.

17. The method of claim 1, further comprising:

processing a settlement request for the payment; and

providing the benefit to the user via statement credit to an account corresponding to the account identifier in response to completion of settlement of the payment.

18. A tangible computer-storage medium storing instructions configured to instruct a computing apparatus to:

receive, in a computing apparatus having a transaction handler, a plurality of offer rules of an offer of a merchant;

receive, in the computing apparatus, an input from the merchant to activate the offer rules;

generate, by the computing apparatus, a first trigger record in response to the input from the merchant to activate the offer rules;

process, by the transaction handler, an authorization request received from an acquirer processor, the authorization request being processed for a payment to be made by an issuer processor on behalf of a user having an account identifier associated with the issuer processor, the acquirer processor to receive the payment on behalf of a merchant;

determine, by the transaction handler, the authorization request matches the first trigger record;

in response to the authorization request matching the first trigger record,

generate a second trigger record to detect a settlement of the payment,

identify, by the computing apparatus, a communication reference of the user in accordance with the trigger record,

generate, by the computing apparatus, a message regarding a benefit to be provided to the user upon completion of the payment, and

transmit, from the computing apparatus, the message to the user via the communication reference in real-time with the processing of the authorization request; and

in response to detection of the settlement of the payment using the second trigger record, providing a benefit of the offer to the user.

19. A computing apparatus, comprising:

a data warehouse configured to store a first trigger record and a second trigger record;

a portal configured to receive an input from a merchant to activate a set of offer rules of an offer, wherein the first trigger record is generated in response to the input from the merchant to activate the offer rules;

a transaction handler coupled with the data warehouse and configured to process an authorization request received from an acquirer processor, the authorization request being processed for a payment to be made by an issuer processor on behalf of a user having an account identifier associated with the issuer processor, the acquirer processor to receive the payment on behalf of a merchant;

a message broker coupled with the transaction handler, wherein after the transaction handler determines that the authorization request matches the first trigger record, the message broker identifies a communication reference of the user in accordance with the first trigger record and generates a message regarding a benefit to be provided to the user upon completion of the payment; and

a media controller coupled with the message broker to transmit the message to the user via the communication reference in real-time with the transaction handler processing the authorization request;

wherein the computing apparatus is configured to generate the second trigger record in response to the authorization request matches the first trigger record; and

the transaction handler is configured to detect a settlement of the payment using the second trigger record and to provide the benefit to the user in response to the settlement of the payment being detected via the second trigger record.