Systems and methods to provide real-time offers via a cooperative database
First Claim
1. A computer-implemented method, comprising:
- providing a computing apparatus havinga transaction handler configured in an electronic payment processing network;
a data warehouse coupled with the transaction handler; and
a portal coupled with the data warehouse;
processing, by the transaction handler, transactions in the electronic payment processing network;
storing, in the data warehouse, transaction data recording the transactions processed by the transaction handler in the electronic payment processing network;
receiving, by the portal, third party data using a communication channel outside the electronic payment processing network;
organizing, by the computing apparatus in the data warehouse, the third party data according to community, wherein the third party data includesfirst data received from a first plurality of entities of a first community, the first data identifying restrictions on marketing access to enrollees of the first community by entities not in the first community, andsecond data received from a second plurality of entities of a second community, the second data identifying restrictions on marketing access to enrollees of the second community by entities not in the second community;
receiving, in the portal outside the electronic payment processing network, a request from a merchant in the second community but not in the first community; and
responsive to the request from the merchant in the second community but not in the first community,determining, by the computing apparatus based on the first data stored in the data warehouse, that the merchant is permitted to have marketing access to the enrollees of the first community;
identifying, by the computing apparatus, users from the enrollees of the first community, wherein the identifying of the users isin accordance with the first data that identifies the restrictions on marketing access to the enrollees of the first community, andbased on the transaction data stored in the data warehouse, andpresenting, by the computing apparatus, an offer of the merchant in the second community to the users identified via the transaction data and the first data received from the first plurality of entities of the first community.
1 Assignment
0 Petitions
Accused Products
Abstract
In one aspect, a computing apparatus is configured to: store transaction data recording transactions processed by a transaction handler; organize third party data according to community, where the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and responsive to a request from a merchant in the second community, present an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community. In one embodiment, the first data provides permission from the merchant in the first community to allow the merchant in the second community to use intelligence information of the first community to identify users for targeting offers from the merchant in the second community.
-
Citations
20 Claims
-
1. A computer-implemented method, comprising:
-
providing a computing apparatus having a transaction handler configured in an electronic payment processing network; a data warehouse coupled with the transaction handler; and a portal coupled with the data warehouse; processing, by the transaction handler, transactions in the electronic payment processing network; storing, in the data warehouse, transaction data recording the transactions processed by the transaction handler in the electronic payment processing network; receiving, by the portal, third party data using a communication channel outside the electronic payment processing network; organizing, by the computing apparatus in the data warehouse, the third party data according to community, wherein the third party data includes first data received from a first plurality of entities of a first community, the first data identifying restrictions on marketing access to enrollees of the first community by entities not in the first community, and second data received from a second plurality of entities of a second community, the second data identifying restrictions on marketing access to enrollees of the second community by entities not in the second community; receiving, in the portal outside the electronic payment processing network, a request from a merchant in the second community but not in the first community; and responsive to the request from the merchant in the second community but not in the first community, determining, by the computing apparatus based on the first data stored in the data warehouse, that the merchant is permitted to have marketing access to the enrollees of the first community; identifying, by the computing apparatus, users from the enrollees of the first community, wherein the identifying of the users is in accordance with the first data that identifies the restrictions on marketing access to the enrollees of the first community, and based on the transaction data stored in the data warehouse, and presenting, by the computing apparatus, an offer of the merchant in the second community to the users identified via the transaction data and the first data received from the first plurality of entities of the first community. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
-
-
17. A non-transitory computer storage device storing instructions configured to instruct a computing apparatus to perform a method, the method comprising:
-
processing, by a transaction handler configured in an electronic payment processing network, transactions in the electronic payment processing network; storing, in a data warehouse of the computing apparatus coupled with the transaction handler, transaction data recording the transactions processed by the transaction handler in the electronic payment processing network; receiving, by a portal of the computing apparatus coupled with the data warehouse, third party data using a communication channel outside the electronic payment processing network; organizing, by the computing apparatus in the data warehouse, the third party data according to community, wherein the third party data includes first data received from a first plurality of entities of a first community, the first data identifying restrictions on marketing access to enrollees of the first community by entities not in the first community, and second data received from a second plurality of entities of a second community, the second data identifying restrictions on marketing access to enrollees of the second community by entities not in the second community; receiving, in the portal outside the electronic payment processing network, a request from a merchant in the second community but not in the first community; and responsive to the request from the merchant in the second community but not in the first community, determining, by the computing apparatus based on the first data stored in the data warehouse, that the merchant is permitted to have marketing access to the enrollees of the first community; identifying, by the computing apparatus, users from the enrollees of the first community, wherein the identifying of the users is in accordance with the first data that identifies the restrictions on marketing access to the enrollees of the first community, and based on the transaction data stored in the data warehouse, and presenting, by the computing apparatus, an offer of the merchant in the second community to the users identified via the transaction data and the first data received from the first plurality of entities of the first community.
-
-
18. A computing apparatus, comprising:
-
a transaction handler configured in an electronic payment processing network to process transactions in the electronic payment processing network; a data warehouse coupled with the transaction handler and configured to store transaction data recording the transactions processed by the transaction handler; a portal coupled with the data warehouse and configured to receive, using a communication channel outside the electronic payment processing network, first data from a first plurality of entities of a first community, the first data identifying restrictions on marketing access to enrollees of the first community by entities not in the first community, and second data from a second plurality of entities of a second community, the second data identifying restrictions on marketing access to enrollees of the second community by entities not in the second community, wherein the portal further configured to receive, outside the electronic payment processing network, a request from a merchant in the second community but not in the first community, and in response to the request determine, based on the first data stored in the data warehouse, that the merchant is permitted to have marketing access to the enrollees of the first community, and identify users from the enrollees of the first community, based on the transaction data and in accordance with the first data that identifies the restrictions on marketing access to the enrollees of the first community; and a message broker coupled with the data warehouse to provide a message containing an offer of the merchant to the users identified via the transaction data and the first data received from the first plurality of entities of the first community. - View Dependent Claims (19, 20)
-
Specification