Systems and methods for closing the loop between online activities and offline purchases

• US 8,626,579 B2
• Filed: 08/30/2011
• Issued: 01/07/2014
• Est. Priority Date: 08/04/2009
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Fordyce, Edward W. III, Winters, Michelle Eng, Siegel, Kevin Paul, Amaro, Leigh, Byce, Charles Raymond, Savas, Nurtekin, Ciurea, Peter, VonDerheide, James Alan, Salmon, Diane C.
• Primary Examiner(s): Lastra, Daniel
• Application Number:
  US13/221,632
• Publication Number:
  US 20110302022A1
• Time in Patent Office: 861 Days
• Field of Search: 705/14.1
• US Class Current: 705/14.1
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0235 constrained by time limit or expiration date
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0256 User search
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0268 at point-of-sale [POS]
• 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 facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction.

Claims

1. A computer-implemented method, comprising:

storing, by a computing apparatus, an offer presented to the user in an online activity of the user;

receiving, in the computing apparatus, a communication related to an offline transaction to be processed by a transaction handler to make a payment from an issuer of an account identifier to an acquirer via the transaction handler, the communication including the account identifier submitted by a merchant to the acquirer, the issuer to make the payment on behalf of a user of the account identifier, the acquirer to receive the payment on behalf of the merchant;

communicating, by the computing apparatus, with the user during processing of the offline transaction to identify the offer and apply a benefit of the offer to the offline transaction; and

identifying, by the computing apparatus, the online activity of the user as being responsible for the offline transaction based on the communicating during the processing of the offline transaction to identify the offer and apply the benefit of the offer to the offline transaction.

2. The method of claim 1, wherein the communicating to identify the offer comprises:

downloading the offer to a transaction terminal of the merchant.

3. The method of claim 1, wherein the communicating to identify the offer comprises:

transmitting the offer to a mobile phone of the user.

4. The method of claim 1, wherein the communicating to identify the offer comprises:

transmitting an identifier of the offer to a transaction terminal through which the account identifier is received for the transaction.

5. The method of claim 1, wherein the communicating to identify the offer comprises:

receiving an input from the user to apply the offer to the transaction.

6. The method of claim 1, further comprising:

matching characteristics of the offer and the transaction to identify the offer.

7. The method of claim 6, wherein the characteristics comprise merchant data.

8. The method of claim 6, wherein the characteristics comprise an expiration date of the offer and a date of the transaction.

9. The method of claim 1, further comprising:

receiving a request from the user to store the offer in connection with the account identifier, wherein the storing is in response to the request from the user.

10. The method of claim 1, wherein the offer is stored in an account identification device of the user, the account identification device to store the account identifier and provide the account identifier to the merchant for the transaction.

11. The method of claim 10, wherein the offer and the account identifier are stored in a magnetic strip of the account identification device.

12. The method of claim 1, further comprising:

providing, by the computing apparatus, the offer to the user for presentation in the online activity.

13. The method of claim 1, further comprising:

receiving data representing the offer when the offer is presented to the user in connection with the online activity.

14. The method of claim 1, further comprising:

processing the transaction in response to the account identifier of the user received from the merchant via the acquirer.

15. The method of claim 14, further comprising:

associating the offline transaction with the online activity.

16. The method of claim 1, wherein the offer is selected from the group consisting of:

discount, incentive, reward, coupon, gift, cash back, and benefit.

17. The method of claim 1, wherein the online activity comprises an online advertisement.

18. The method of claim 1, wherein the online activity comprises an online search.

19. A non-transitory computer storage medium storing instructions which, when executed on a computer system, cause the computer system to perform a method, the method comprising:

storing an offer presented to the user in an online activity of the user;

receiving a communication related to an offline transaction to be processed by a transaction handler to make a payment from an issuer of an account identifier to an acquirer via the transaction handler, the communication including the account identifier submitted by a merchant to the acquirer, the issuer to make the payment on behalf of a user of the account identifier, the acquirer to receive the payment on behalf of the merchant;

communicating with the user or the merchant during processing of the offline transaction to identify the offer and apply a benefit of the offer to the offline transaction; and

identifying, by the computing apparatus, the online activity of the user as being responsible for the offline transaction based on the communicating during the processing of the offline transaction to identify the offer and apply the benefit of the offer to the offline transaction.

20. A system, comprising:

a memory to store an offer presented to the user in an online activity of the user; and

a transaction handler coupled with the memory and configured to receive an account identifier issued by an issuer to a user and submitted by a merchant to an acquirer to make a payment from the issuer to the acquirer via the transaction handler, the issuer to make the payment on behalf of the user, the acquirer to receive the payment on behalf of the merchant, wherein the transaction handler is further configured to

communicate with the user during processing of the offline transaction to identify the offer and apply a benefit of the offer to the offline transaction, and

identify the online activity of the user as being responsible for the offline transaction based on communicating during the processing of the offline transaction to identify the offer and apply the benefit of the offer to the offline transaction.