Systems and methods for visual representation of offers

• US 9,542,687 B2
• Filed: 06/24/2009
• Issued: 01/10/2017
• Est. Priority Date: 06/26/2008
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Carlson, Mark, Faith, Patrick
• Primary Examiner(s): STOLTENBERG, DAVID J
• Application Number:
  US12/491,139
• Publication Number:
  US 20090327151A1
• Time in Patent Office: 2,757 Days
• Field of Search: 705/14.5
• US Class Current: 1/1
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0225 Avoiding frauds
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0252 based on events or environment, e.g. weather or festivals
• CPC Class Codes: G06Q 30/0255 based on user history
• CPC Class Codes: G06Q 50/188 Electronic negotiation
• CPC Class Codes: G09B 29/007 using computer methods

Abstract

A method and system for providing geographic location notifications for targeted offers is disclosed. One embodiment of the invention is directed to a method including monitoring for an event to trigger a targeted offer. Upon detection of the event, the offer is generated. The offer is targeted to a consumer and is generated using payment data generated in response to transactions conducted by the consumer with a plurality of different merchants. A geographic location for redeeming the offer is determined. A notification message is generated about the offer. The notification message includes the offer and the geographic location for redeeming the offer. The notification message is sent to a notification device which is operated by the consumer. A graphical depiction of the offer is displayed on a map on the notification device.

Claims

1. A method comprising:

receiving, by a processor, transaction data associated with an account of a consumer;

determining, by the processor, from the transaction data, an occurrence of an event to trigger an offer, the event being a completion of a transaction;

generating, by the processor, the offer upon detection of the occurrence of the event, the offer targeted to the consumer, wherein the offer is generated using historic payment data that was generated in response to past transactions conducted by the consumer with a plurality of different merchants, wherein the historic payment data includes previous purchases made using a portable consumer device associated with the consumer, wherein the portable consumer device comprises a data space configured to store operating parameters, wherein the data space is one of a secure data space and a physically separate data space, wherein the historic payment data is collected by a payment processing network, and wherein the payment processing network is configured to receive authorization request messages from acquirers associated with the plurality of different merchants, send the authorization request messages to an issuer associated with the consumer, receive authorization response messages from the issuer associated with the consumer, and send authorization response messages to the acquirers associated with the plurality of different merchants;

determining, by the processor, a geographic location for redeeming the offer by

sending, by the processor, a request to a merchant system for one or more redemption locations affiliated with a merchant,

receiving, by the processor, from the merchant system identification data for the one or more redemption locations, and

determining, by the processor, the geographic location for redeeming the offer using the identification data;

generating, by the processor, a notification message including the offer, which is triggered by the completion of the transaction, and a graphical depiction of the geographic location for redeeming the offer, the graphical depiction of the geographic location generated by

selecting, by the processor, a map portion encompassing the geographic location, and

modifying, by the processor, the map portion by overlaying an indicator icon identifying the geographic location; and

sending, by the processor, the notification message to a notification device operated by the consumer, wherein the graphical depiction of the offer is displayed on a map on the notification device;

determining, by the processor, a plurality of redemption actions available for redeeming the offer;

providing, by the processor, to the notification device an indication of the plurality of redemption actions available;

receiving, by the processor, a selection of one of the plurality of redemption actions from the notification device;

providing, by the processor, a message to the merchant system for completing the selected redemption action; and

receiving, by the processor, prior to arrival of the consumer at the geographic location, a confirmation message from the merchant system indicating that the selected redemption action is confirmed.

2. The method of claim 1, wherein determining the occurrence of the event to trigger further comprises:

comparing, by the processor, a geo-location of the notification device with a geo-location of a target location; and

determining, by the processor, that the consumer has traveled in a proximity to the target location based on the comparison.

3. The method of claim 2, wherein the target location is a retail location.

4. The method of claim 1, wherein the event to trigger the offer further comprises receiving a request, initiated by the consumer, for the offer.

5. The method of claim 1, further comprising:

determining a consumer icon identifying a geographic location of the consumer relative to the map, wherein the geographic location of the consumer is determined using a global positioning system (GPS) element in the notification device; and

providing the consumer icon to the notification device.

6. The method of claim 1, wherein a subject of the offer is a good or service provided by the merchant and wherein the selected redemption action is an action for reserving the good or service on behalf of the consumer.

7. The method of claim 1, wherein a subject of the offer is a good or service provided by the merchant, and wherein the selected redemption action is an action for purchasing the good or service using the notification device.

8. The method of claim 1, wherein a subject of the offer is a good or service provided by the merchant, and wherein the selected redemption action is an action for accepting the offer and wherein the message to the merchant system of the merchant associates the consumer with a term of the offer, whereby an access device of the merchant automatically presents, to the associated consumer, a purchase price of the good or service according to the term of the offer.

13. The method of claim 1, wherein the plurality of redemption actions include at least two of reserve with confirmation, purchase, set for will call, and redeem at check-out.

14. The method of claim 1, wherein the request to the merchant for the one or more redemption locations is for redemption locations within a threshold distance from a target location, and the threshold distance is narrowed and expanded based on a number of redemption locations.

15. The method of claim 1, wherein a subject of the offer is a good provided by the merchant and wherein the merchant system checks a current inventory level for the good and only identifies geographic locations for locations that have more than a threshold level of the good available in the current inventory level.

16. The method of claim 1, wherein the one or more redemption locations have a threshold inventory directed to an item of the offer.

17. The method of claim 1, wherein the plurality of redemption actions available is customized by the consumer.

18. The method of claim 17, wherein redemption actions for goods are customized to be different from redemption actions for services.

9. A notification device comprising:

a processor;

an antenna coupled to the processor; and

a computer readable medium coupled to the processor, the computer readable medium comprising code executable by the processor, the computer readable medium comprising;

code for receiving an offer targeted to a consumer based on historic payment data that was generated in response to past transactions conducted by the consumer with a plurality of different merchants, the notification device operated by the consumer, wherein the historic payment data includes previous purchases made using a portable consumer device associated with the consumer, wherein the portable consumer device comprises a data space configured to store operating parameters, wherein the data space is one of a secure data space and a physically separate data space, wherein the historic payment data is collected by a payment processing network, and wherein the payment processing network is configured to receive authorization request messages from acquirers associated with the plurality of different merchants, send the authorization request messages to an issuer associated with the consumer, receive authorization response messages from the issuer associated with the consumer, and send authorization response messages to the acquirers associated with the plurality of different merchants, wherein the offer is generated by the payment processing network based on receiving transaction data associated with an account of a consumer, and determining from the transaction data, an occurrence of an event to trigger the offer, the event being a completion of a transaction;

code for receiving a map comprising a graphical depiction of the offer, which is triggered by the completion of the transaction, and a graphical depiction of a geographic location for redeeming the offer, wherein the geographic location for redeeming the offer was determined by the payment processing network by sending a request to a merchant system for one or more redemption locations affiliated with the merchant after generating the offer, receiving from the merchant system identification data for the one or more redemption locations, determining the geographic location for redeeming the offer using the identification data, selecting a map portion encompassing the geographic location, and modifying the map portion by overlaying an indicator icon identifying the geographic location, wherein the offer is received by the notification device upon detection, by the payment processing network, of a triggering event;

code for receiving an indication of the plurality of redemption actions available for redeeming the offer;

code for selecting one of the plurality of redemption actions and sending the selected redemption action to the payment processing network, wherein the payment processing network provides a message to the merchant system for completing the selected redemption action; and

code for receiving, prior to arriving at the geographic location, a confirmation message indicating that the selected redemption action is confirmed by the merchant system.

10. A system comprising:

a payment processing network configured to;

receive transaction data associated with an account of a consumer;

determine from the transaction data, an occurrence of an event to trigger a targeted offer, the event being a completion of a transaction;

generate the offer upon detection of the event, the offer targeted to the consumer, wherein the offer is generated using historic payment data that was generated in response to past transactions conducted by the consumer with a plurality of different merchants, wherein the historic payment data includes previous purchases made using a portable consumer device associated with the consumer, wherein the portable consumer device comprises a data space configured to store operating parameters, wherein the data space is one of a secure data space and a physically separate data space, wherein the historic payment data is collected by the payment processing network, and wherein the payment processing network is configured to receive authorization request messages from acquirers associated with the plurality of different merchants, send the authorization request messages to an issuer associated with the consumer, receive authorization response messages from the issuer associated with the consumer, and send authorization response messages to the acquirers associated with the plurality of different merchants;

determine a geographic location for redeeming the offer by

sending a request to a merchant system for one or more redemption locations affiliated with the merchant,

receiving from the merchant system identification data for the one or more redemption locations,

determining the geographic location for redeeming the offer using the identification data; and

a notification module coupled to the payment processing network, the notification module configured to;

generate a notification message including the offer, which is triggered the completion of the transaction, and a graphical depiction of the geographic location for redeeming the offer, the graphical depiction of the geographic location generated by

selecting a map portion encompassing the geographic location, and

modifying the map portion by overlaying an indicator icon

identifying the geographic location;

send the notification message to a notification device operated by the consumer, wherein the graphical depiction of the notification message is displayed on a map on the notification device;

determine a plurality of redemption actions available for redeeming the offer;

provide to the notification device an indication of the plurality of redemption actions available;

receive a selection of one of the plurality of redemption actions;

provide a message to the merchant system for completing the selected redemption action; and

receive, prior to arrival of the consumer at the geographic location, a confirmation message from the merchant system indicating that the selected redemption action is confirmed.

11. The system of claim 10, wherein a subject of the offer is a good or service provided by the merchant and wherein the selected redemption action is an action for reserving the good or service on behalf of the consumer.

12. A non-transitory machine-readable storage medium storing a sequence of instructions, execution of which causes a processor to provide notifications of targeted purchase offers, the execution of the sequence of instructions causes the processor to perform the actions of:

receiving transaction data associated with an account of a consumer;

determining, from the transaction data, an occurrence of an event to trigger an offer, the event being a completion of a transaction;

generating the offer upon detection of the occurrence of the event, the offer targeted to the consumer, wherein the offer is generated using historic payment data that was generated in response to past transactions conducted by the consumer with a plurality of different merchants, wherein the historic payment data includes previous purchases made using a portable consumer device associated with the consumer, wherein the portable consumer device comprises a data space configured to store operating parameters, wherein the data space is one of a secure data space and a physically separate data space, wherein the historic payment data is collected by a payment processing network, and wherein the payment processing network is configured to receive authorization request messages from acquirers associated with the plurality of different merchants, send the authorization request messages to an issuer associated with the consumer, receive authorization response messages from the issuer associated with the consumer, and send authorization response messages to the acquirers associated with the plurality of different merchants;

determining a geographic location for redeeming the offer by

sending a request to a merchant system for one or more redemption locations affiliated with a merchant,

receiving from the merchant system identification data for the one or more redemption locations, and

determining the geographic location for redeeming the offer using the identification data;

generating, by the processor, a notification message including the offer, which is triggered the completion of the transaction, and a graphical depiction of the geographic location for redeeming the offer, the graphical depiction of the geographic location generated by

selecting a map portion encompassing the geographic location, and

modifying the map portion by overlaying an indicator icon identifying the geographic location; and

sending the notification message to a notification device operated by the consumer, wherein the graphical depiction of the offer is displayed on a map on the notification device;

determining a plurality of redemption actions available for redeeming the offer;

providing to the notification device an indication of the plurality of redemption actions available;

receiving a selection of one of the plurality of redemption actions from the notification device;

providing a message to the merchant system for completing the selected redemption action; and

receiving, prior to arrival of the consumer at the geographic location, a confirmation message from the merchant system indicating that the selected redemption action is confirmed.