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

• US 9,324,088 B2
• Filed: 02/25/2013
• Issued: 04/26/2016
• 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:
  US13/776,319
• Publication Number:
  US 20130166365A1
• Time in Patent Office: 1,156 Days
• Field of Search: 705/64
• US Class Current: 1/1
• 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:

storing, in a computing apparatus having a transaction handler, a plurality of trigger records;

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, whether the authorization request matches one of the plurality of trigger records; and

if the authorization request matches a trigger record in the plurality of the trigger records,

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 that will be provided to the user upon completion of the payment requested via the authorization request, and

transmitting, from the computing apparatus, the message to the user via the communication reference prior to providing the benefit 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 an offer based on transaction data of the user;

wherein the message provides the offer.

6. The method of claim 5, further comprising:

receiving offer rules from a merchant via a portal;

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

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

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

9. The method of claim 5, wherein the 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 an 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. The method of claim 17, further comprising:

generating a second trigger record for the transaction handler to monitor settlement of the payment.

19. A tangible computer-storage medium storing instructions configured to instruct a computing apparatus having a transaction handler to:

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 computing apparatus, whether the authorization request satisfies requirements of an offer associated with the account identifier;

if the authorization request satisfies the requirements of the offer associated with the account identifier,

identify, by the computing apparatus, a communication reference associated with the account identifier,

generate, by the computing apparatus, a message regarding a benefit of the offer 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 processing of the authorization request;

detect a settlement of the payment corresponding to the authorization request; and

in response to the settlement being detected, provide the benefit to the user;

wherein the settlement of the payment corresponding to the authorization request does not occur in real-time with the processing of the authorization request.

20. A computing apparatus having at least one microprocessor and memory storing instructions configured to instruct the at least one microprocessor to perform operations, the computing apparatus comprising:

a data warehouse configured to store data associating an offer with an account identifier, the offer having a set of requirements;

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 the 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 satisfies the set of requirements of the offer, the message broker identifies a communication reference associated with the account identifier and generates a message regarding a benefit of the offer 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 transaction handler is configured to detect a settlement of the payment corresponding to the authorization request and in response to the settlement being detected, provide the benefit to the user; and

wherein the settlement of the payment corresponding to the authorization request does not occur in real-time with the processing of the authorization request.

21. The computing apparatus of claim 20, wherein the message is transmitted, to the user via the communication reference, in response to an indication of approval of the authorization request.

22. The computing apparatus of claim 21, 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.

23. The computing apparatus of claim 21, wherein the benefit of the offer is provided to the user via statement credits.

24. A method implemented in a computing apparatus, the method comprising:

processing, by the computing apparatus, an authorization request for a payment to be made by an issuer processor on behalf of a user to an acquirer processor configured to receive the payment on behalf of a merchant;

during the processing of the authorization request, determining, by the computing apparatus, whether the authorization request satisfies requirements of an offer associated with an account identifier identified in the authorization request;

in response to a determination that the authorization request satisfies the requirements of the offer, transmitting, by the computing apparatus in real-time with the processing of the authorization request, a message to a communication reference associated with the account identifier;

detecting, by the computing apparatus, a settlement of the payment corresponding to the authorization request, wherein the settlement does not occur in real-time with the processing of the authorization request; and

in response to the settlement being detected, providing, by the computing apparatus, a benefit of the offer to the user.

25. The method of claim 24, 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.

26. The method of claim 25, wherein the message is transmitted to the user via the communication reference in response to an indication of approval of the authorization request.

27. The method of claim 24, wherein the message provides the offer.

28. The method of claim 24, wherein the message is configured to identify the benefit to be provided to the user upon completion of the payment.

29. The method of claim 28, wherein the benefit of the offer is provided to the user via statement credits or loyalty program points.

30. A computing apparatus, comprising:

a data warehouse configured to store

data associating an offer with an account identifier of a user, the offer having a set of requirements,

data associating a communication reference of the user with the account identifier, the offer having a set of requirements, and

a plurality of trigger records;

a transaction handler coupled with the data warehouse and configured to process an authorization request for a payment to be made by an issuer processor on behalf of a user having the account identifier, the transaction handler configured to match the authorization request with a trigger record in the plurality of the trigger records;

a message broker coupled with the transaction handler, wherein in response to a determination that the authorization request satisfies the set of requirements of the offer identified by the trigger record that matches the authorization request, the message broker generates a message regarding a benefit that will be provided to the user upon completion of the payment requested via the authorization request; and

a media controller coupled with the message broker to transmit, prior to providing the benefit to the user, the message to the user via the communication reference associated with the account identifier;

wherein the data warehouse, the transaction handler, the message broker and the media controller comprise;

at least one microprocessor, and

memory storing instructions configured to instruct the at least one microprocessor to perform operations.

31. The computing apparatus of claim 30, wherein in response to detecting a settlement of the payment, the transaction handler is configured to provide the benefit of the offer to the user via statement credits.

32. The computing apparatus of claim 31, wherein the computing apparatus is further configured to generate a second trigger record for the transaction handler to monitor settlement of the payment.