Merchant alert based system and method including customer presence notification

• US 9,449,327 B2
• Filed: 04/26/2010
• Issued: 09/20/2016
• Est. Priority Date: 04/28/2009
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Carlson, Mark, Stan, Patrick, Faith, Patrick, Hammad, Ayman, Rewis, Ben
• Primary Examiner(s): CHOUDHURY, AZIZUL Q
• Application Number:
  US12/767,694
• Publication Number:
  US 20100287250A1
• Time in Patent Office: 2,339 Days
• Field of Search: 709/206, 705/21
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 50/182 Alternative dispute resolution
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety
• CPC Class Codes: H04L 67/535 Tracking the activity of the user network monitoring arrangements H04L43/00; recording of computer activity G06F11/34

Abstract

Embodiments of the present invention disclosed herein include systems and methods for sending merchant alert messages. The merchant can specify criteria indicating the types of customers for which he desires to receive alerts. Merchant alert messages can be sent based on characteristics of a customer, including the customer'"'"'s proximity to the merchant. The merchant can use the alert message to provide better service to the customer or prevent the customer from engaging in transactions, depending on the contents of the merchant alert message.

Claims

1. A method comprising:

providing an interface allowing a merchant to specify criteria for alerts, the interface including a merchant-specified predetermined number of disputed purchases for customers;

receiving, at a server computer, an indication from a merchant proximity system of a consumer having a profile entering a store of a merchant;

retrieving the profile of the first consumer, the retrieving based upon the indication;

determining, by the server computer using the retrieved profile, that the first consumer has had more than the merchant-specified predetermined number of disputed purchases with a payment processing network;

generating an alert message based on the determination; and

sending the alert message to the merchant before the merchant conducts a transaction with the first consumer.

2. The method of claim 1 further comprising:

monitoring geographic locations of a plurality of consumers by using location features on portable consumer devices belonging to each consumer of the plurality of consumers; and

determining if the geographic location is within the merchant location.

3. The method of claim 1 further comprising:

detecting through a contactless portable consumer device reader, the presence of a portable consumer device belonging to the first consumer within the merchant location.

4. The method of claim 1 further comprising:

monitoring the transaction, wherein the transaction is conducted with a portable consumer device belonging to the consumer, the transaction conducted at a point of sale terminal located within the merchant location.

5. The method of claim 1 wherein the alert message comprises information about the number of disputed purchases by the customer.

6. The method of claim 5 wherein the alert message information further comprises a prediction, based on past consumer transactions, of a type of transaction that will be engaged in by the consumer.

7. The method of claim 5 wherein the information further comprises an explicit indication that the consumer should not be allowed to engage in any transactions with the merchant.

8. The method of claim 1, wherein the alert message is a text message or email sent to the merchant.

9. The method of claim 1 wherein the disputed purchases include chargebacks.

10. The method of claim 1 wherein the criteria are different between weekdays and weekends.

12. The method of claim 1 wherein the indication that the merchant proximity system has detected a presence of the consumer at the merchant location is generated after an RF ID reader at the merchant detects the presence of a mobile device in possession of the consumer.

13. The method of claim 12 wherein the merchant location is a store.

11. A server computer comprising:

a processor; and

a memory operatively coupled to the processor, the processor executing program instructions for;

providing an interface allowing a merchant to specify criteria for alerts, the interface including a merchant-specified predetermined number of disputed purchases for customers;

receiving, at a server computer, an indication from a merchant proximity system of a consumer having a profile entering a store of a merchant;

retrieving the profile of the first consumer, the retrieving based upon the indication;

determining, by the server computer using the retrieved profile, that the first consumer has had more than the merchant-specified predetermined number of disputed purchases with a payment processing network;

generating an alert message based on the determination; and

sending the alert message to the merchant before the merchant conducts a transaction with the first consumer.

14. The server computer of claim 11, wherein the alert message is a text message or e-mail sent to the merchant.

15. The server computer of claim 11 wherein the alert message comprises a prediction, based on past consumer transactions, of a type of transaction that will be engaged in by the consumer.

16. The server computer of claim 11 wherein the disputed purchases include chargebacks.

17. A machine-readable non-transitory medium embodying information indicative of instructions for causing one or more machines to perform operations comprising:

providing an interface allowing a merchant to specify criteria for alerts, the interface including a merchant-specified predetermined number of disputed purchases for customers;

receiving, at a server computer, an indication from a merchant proximity system of a consumer having a profile entering a store of a merchant;

retrieving the profile of the first consumer, the retrieving based upon the indication;

determining, by the server computer using the retrieved profile, that the first consumer has had more than the merchant-specified predetermined number of disputed purchases with a payment processing network;

generating an alert message based on the determination; and

sending the alert message to the merchant before the merchant conducts a transaction with the first consumer.

18. The medium of claim 17, wherein the alert message is a text message or e-mail sent to the merchant.

19. The medium of claim 17 wherein the alert message comprises a prediction, based on past consumer transactions, of a type of transaction that will be engaged in by the consumer.

20. The medium of claim 17 wherein the disputed purchases include chargebacks.