Bidding to receive data after a consumer is in a zone

• US 8,543,468 B2
• Filed: 04/22/2009
• Issued: 09/24/2013
• Est. Priority Date: 04/22/2009
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Carlson, Mark
• Primary Examiner(s): ALMATRAHI, FARIS S
• Application Number:
  US12/428,324
• Publication Number:
  US 20100274669A1
• Time in Patent Office: 1,616 Days
• Field of Search: None
• US Class Current: 705/26.3
• CPC Class Codes: G06Q 30/0261 based on user location
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0275 Auctions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/08 Auctions

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 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.

Claims

1. A method, comprising:

submitting, by a first merchant to a transaction handler computer, using a computing apparatus, a bid to receive an announcement after at least one criterion of an announcement condition is satisfied, the announcement including data about a consumer, and the at least one criterion including presence of the consumer within a zone, wherein;

the bid is submitted within a payment processing system that includes the transaction handler computer,

the transaction handler computer is configured to process a plurality of transactions between merchants and consumers, including a first transaction between the first merchant and the consumer, the consumer having a payment account within the payment processing system issued to the consumer by an issuer, and

the transaction handler computer is further configured to use transaction information received in an authorization request for a transaction of the consumer with a second merchant to determine if the at least one criterion is satisfied;

receiving, from the transaction handler computer, using the computing apparatus, notification that the bid is a winning bid;

after the at least one criterion is satisfied, receiving, from the transaction handler computer, using the computing apparatus, the announcement, wherein the announcement includes a name of the consumer and data about the transaction of the consumer with the second merchant; and

in response to receiving the announcement from the transaction handler computer;

providing, directly from the first merchant, without first sending to the transaction handler computer, a communication to a portable consumer device of the consumer, wherein the communication is personalized for the consumer based on the data about the consumer included in the announcement, and

sending a transmission, different from the communication, to the transaction handler computer, wherein the transmission is to be sent by the transaction handler computer to the issuer of the payment account of the consumer.

2. The method as defined in claim 1, further comprising receiving, using the computing apparatus, an auction initiation communication indicating that an auction for the announcement has begun.

3. The method as defined in claim 1, further comprising forming, using the computing apparatus, a first transmission including information usable to:

determine a location of the consumer; and

compare the location to the zone.

4. The method as defined in claim 3, wherein:

a first criterion of the at least one criterion is satisfied after the location is matched with the zone; and

a second criterion of the at least one criterion is satisfied after there is a match of at least one of;

an account characteristic of the account with a required account characteristic;

a transaction history of the account with a required tendency to purchase a specific type of resource; and

a demographic of the consumer with a required demographic, wherein the demographic is associated with the payment account.

5. The method as defined in claim 3, further comprising receiving, using the computing apparatus, a second transmission including first data from the portable consumer device of the consumer, wherein a portion of the first data is included in the first transmission.

6. The method as defined in claim 5, wherein the portable consumer device is selected from the group consisting of:

a financial card;

a contactless device including a wireless processor, a transmitter, and a receiver;

a smart card;

a cellular telephone;

a personal digital assistant;

a digital audio player;

a global positioning system enabled device;

a computer; and

a combination of any of the above.

7. The method as defined in claim 5, further comprising specifying, using the computing apparatus, the at least one criterion to be matched to the first data.

8. The method as defined in claim 1, wherein the auction is of a type selected from the group consisting of:

English auction;

Dutch auction;

sealed-bid first-price auction;

sealed-bid second-price auction;

supply auction;

demand auction;

double auction;

open auction;

closed auction;

buyout auction;

raffle; and

combinations of any of the above.

9. The method as defined in claim 1, further comprising:

submitting, by the first merchant, the first transaction to an acquirer for processing by the transaction handler computer, the processing comprising requesting the issuer to obtain payment for the first transaction from the payment account of the consumer; and

receiving, by the first merchant, the payment from the acquirer.

10. The method as defined in claim 1, wherein the at least one criterion includes electronically receiving a transaction occurring:

within a specified time interval;

with a merchant located in the zone; and

upon the payment account issued to the consumer by the issuer.

13. The method as defined in claim 1, wherein the submitting the bid comprises transmitting a signal from a cellular telephone.

14. The method as defined in claim 3, wherein the first transmission is a signal from a cellular telephone.

15. The method as defined in claim 1, further comprising sending the announcement to the portable consumer device of the consumer via an RFID transmission.

16. The method as defined in claim 1, further comprising reading an account identifier from an RFID reader, and sending a transmission to the transaction handler computer, the transmission including the account identifier and further including data usable to determine a location of the RFID reader.

17. The method as defined in claim 1, further comprising sending a transmission, the transmission including data received from a global positioning system receiver of the portable consumer device of the consumer.

18. The method as defined in claim 1, wherein the communication includes data received in the announcement from the transaction handler computer, and the communication further includes a discount for the consumer to receive when the consumer engages in a transaction with the first merchant.

11. A non-transitory computer readable medium including stored instructions that, when executed by a computing device, cause the computing device to:

submit, by a first merchant to a transaction handler computer, using a computing apparatus, a bid for an option to receive data for communicating with a consumer after at least one announcement condition occurs, the at least one announcement condition including presence of the consumer within a spatial zone, wherein;

the bid is submitted within a payment processing system that includes the transaction handler computer,

the transaction handler computer is configured to process a plurality of transactions between merchants and consumers, including a transaction between the first merchant and the consumer, the consumer having a payment account within the payment processing system issued to the consumer by an issuer, and

the transaction handler computer is further configured to use transaction information received in an authorization request for a transaction of the consumer with a second merchant to determine if the at least one announcement condition occurs;

receive, by the first merchant from the transaction handler computer, using the computing apparatus, notification that the bid is a winning bid;

receive, by the first merchant, first information from a portable consumer device of the consumer, the first information usable to determine a location of the consumer;

send, from the first merchant to the transaction handler computer, a transmission including the first information;

after receiving the notification and after the at least one announcement condition occurs, receive, from the transaction handler computer, the data for communicating with the consumer, the data including a name of the consumer and data about the transaction of the consumer with the second merchant; and

in response to receiving the data for communicating with the consumer;

providing, directly from the first merchant, without first sending to the transaction handler computer, a communication to the portable consumer device of the consumer, wherein the communication is personalized for the consumer based on the data received for communicating with the consumer, and

sending a transmission, different from the communication, to the transaction handler computer, wherein the transmission is to be sent by the transaction handler computer to the issuer of the payment account.

12. The computer readable medium of claim 11, wherein the first information includes at least one of:

a merchant identification code associated with a merchant having a known location;

an altitude of the portable consumer device;

a latitude of the portable consumer device;

a longitude of the portable consumer device;

World Geodetic System coordinates of the portable consumer device;

data usable to determine a direction of movement of the portable consumer device; and

data usable to determine a speed of the portable consumer device.