Providing an announcement about transactions of a target merchant to a consumer
First Claim
Patent Images
1. A method, comprising:
- processing, via a computer processing system, a plurality of transactions between a plurality of merchants and a plurality of consumers, the plurality of transactions comprising a first transaction between a first consumer and a merchant, and further comprising a second transaction of a target merchant with a second consumer;
receiving, via the computer processing system, a query from the first consumer, the query including a request for an announcement including information about the second transaction, the announcement to be delivered in response to a location of the target merchant being within a spatial zone delineated relative to a position of a portable consumer device of the first consumer;
receiving transaction data for the second transaction;
receiving a transmission including information usable to determine a position of the portable consumer device;
determining the position of the portable consumer device using the information in the transmission;
determining, via the computer processing system, whether the location of the target merchant is within the spatial zone;
identifying the second transaction from among the plurality of transactions using data included in the query; and
forming the announcement for delivery to the first consumer, the announcement including information based on the transaction data for the second transaction.
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Abstract
An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement is formed when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient.
56 Citations
19 Claims
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1. A method, comprising:
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processing, via a computer processing system, a plurality of transactions between a plurality of merchants and a plurality of consumers, the plurality of transactions comprising a first transaction between a first consumer and a merchant, and further comprising a second transaction of a target merchant with a second consumer; receiving, via the computer processing system, a query from the first consumer, the query including a request for an announcement including information about the second transaction, the announcement to be delivered in response to a location of the target merchant being within a spatial zone delineated relative to a position of a portable consumer device of the first consumer; receiving transaction data for the second transaction; receiving a transmission including information usable to determine a position of the portable consumer device; determining the position of the portable consumer device using the information in the transmission; determining, via the computer processing system, whether the location of the target merchant is within the spatial zone; identifying the second transaction from among the plurality of transactions using data included in the query; and forming the announcement for delivery to the first consumer, the announcement including information based on the transaction data for the second transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 19)
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10. A computer-readable medium including stored instructions that, when executed, cause a system to:
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process, via a computing apparatus, a plurality of transactions between a plurality of merchants and a plurality of consumers, the plurality of transactions comprising a first transaction between a first consumer and a merchant, and further comprising a second transaction of a target merchant with a second consumer; receive, via the computing apparatus, a query from the first consumer, the query including a request for an announcement including information about the second transaction, the announcement to be delivered in response to a location of the target merchant being within a spatial zone delineated relative to a position of a portable consumer device of the first consumer; receive transaction data for the second transaction; receive a transmission including information usable to determine a position of the portable consumer device; determine the position of the portable consumer device using the information in the transmission; determine, via the computing apparatus, whether the location of the target merchant is within the spatial zone; identify the second transaction from among the plurality of transactions using data included in the query; and form the announcement for delivery to the first consumer, the announcement including information based on the transaction data for the second transaction. - View Dependent Claims (11, 12, 13)
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14. A system, comprising:
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a processor; and memory to store data regarding an announcement condition for which a target merchant is located within a spatial zone delineated by at least one specified distance relative to a position of a portable consumer device of a shopper; and the memory storing instructions configured to instruct the processor to process, within a payment processing system, a plurality of transactions between a plurality of merchants and a plurality of consumers, the plurality of transactions comprising at least one transaction of the target merchant; receive a request from the shopper for an announcement including data about the at least one transaction, the announcement to be delivered in response to satisfying the announcement condition; receive a transmission including information usable to determine a position of the portable consumer device; determine the position of the portable consumer device using at least the information included in the transmission; determine a location of the target merchant relative to the spatial zone; identify the at least one transaction from among other transactions using at least information in the request; and in response to the announcement condition being satisfied, form an announcement for delivery to the shopper. - View Dependent Claims (15, 16, 17, 18)
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Specification