System and method for providing coupon-less discounts based on a user broadcasted message
First Claim
Patent Images
1. A method, comprising:
- syncing, by a computer based system and via a registered card engine, a transaction account, a social media channel and a user profile,wherein the synching comprises;
receiving, by the computer based system, a request to sync the social media channel with the transaction account issued by a transaction account issuer system,wherein the request is created by the social media channel in response to a user initiating a sync process in the social media channel;
obtaining by the computer based system and in response to the request to sync, access to user profile information of the user of the social media channel;
identifying, by the computer based system, the user profile based on the user profile information of the user of the social media channel;
determining by the computer based system, the transaction account associated with the user based on at least one of an input from the user in the social media channel or a response by the user to a request from the computer based system for a transaction account number;
verifying, by the computer based system, that the transaction account is eligible to sync with the user profile in the social media channel;
verifying, by the computer based system, that the transaction account is eligible to receive offers from a reward program system via the social media channel,wherein the verification is based on at least one of user account type, user spending level, user payment history, user spending history, user creditworthiness, or user enrollment in loyalty programs;
receiving, by an offer registration system of the computer based system, an offer and an offer indicator,wherein the offer defines the social media channel and the offer indicator to be provided in a broadcast platform,wherein the offer indicator is functional and allows the social media channel to identify and route the offer to the computer based system, andwherein the offer indicator is capable of being broadcasted in the social media channel;
converting, by the computer based system, the offer to be configured for use in the social media channel;
providing, by the computer based system and to the user, the offer indicator for the offer;
receiving, by the computer based system via a broadcast module residing with the social media channel, a set of broadcasts from the social media channel that trigger an acceptance of the offer by the user,wherein the social media channel receives broadcasts sent by users and filters the broadcasts for the offer indicator such that the set of broadcasts sent to the computer based system include the offer indicator, andwherein the broadcast platform is configured to identify a set of users that correspond to the set of broadcasts based on each user of the set of users having the transaction account associated with the social media channel;
identifying, by the computer based system, the offer indicator within the broadcast;
determining, by the computer based system, a source of the broadcast based on the offer indicator,wherein the source of the broadcast has the transaction account that is linked with the social media channel; and
associating, by the computer based system, the offer associated with the offer indicator to the transaction account associated with the source of the broadcast, in response to the transaction account being synched to the user profile and the social media channel;
monitoring, by the computer based system and via the transaction account issuer system, the transaction account for at least one of a past transaction, current transaction or future transaction with a merchant via a merchant system that satisfies the offer; and
crediting, by the computer based system, the transaction account with a reward in response to identifying at least one of the past transaction, the current transaction or the future transaction that satisfies the offer.
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Abstract
The systems and methods provide an offer to a user that may be accepted by the user through an action by the user. The action may be, for example, a broadcast through a social media channel. The parameters of the offer may defined that the broadcast comprise an offer identifier and may require that a user take subsequent action to fulfill the offer. The systems and methods may also be configured to monitor one or more broadcast channels, identify the source of a broadcast, identify transaction accounts associated with the source, evaluate transaction data associated with the transaction account, and provide benefits to the source and/or the transaction account.
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Citations
19 Claims
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1. A method, comprising:
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syncing, by a computer based system and via a registered card engine, a transaction account, a social media channel and a user profile, wherein the synching comprises; receiving, by the computer based system, a request to sync the social media channel with the transaction account issued by a transaction account issuer system, wherein the request is created by the social media channel in response to a user initiating a sync process in the social media channel; obtaining by the computer based system and in response to the request to sync, access to user profile information of the user of the social media channel; identifying, by the computer based system, the user profile based on the user profile information of the user of the social media channel; determining by the computer based system, the transaction account associated with the user based on at least one of an input from the user in the social media channel or a response by the user to a request from the computer based system for a transaction account number; verifying, by the computer based system, that the transaction account is eligible to sync with the user profile in the social media channel; verifying, by the computer based system, that the transaction account is eligible to receive offers from a reward program system via the social media channel, wherein the verification is based on at least one of user account type, user spending level, user payment history, user spending history, user creditworthiness, or user enrollment in loyalty programs; receiving, by an offer registration system of the computer based system, an offer and an offer indicator, wherein the offer defines the social media channel and the offer indicator to be provided in a broadcast platform, wherein the offer indicator is functional and allows the social media channel to identify and route the offer to the computer based system, and wherein the offer indicator is capable of being broadcasted in the social media channel; converting, by the computer based system, the offer to be configured for use in the social media channel; providing, by the computer based system and to the user, the offer indicator for the offer; receiving, by the computer based system via a broadcast module residing with the social media channel, a set of broadcasts from the social media channel that trigger an acceptance of the offer by the user, wherein the social media channel receives broadcasts sent by users and filters the broadcasts for the offer indicator such that the set of broadcasts sent to the computer based system include the offer indicator, and wherein the broadcast platform is configured to identify a set of users that correspond to the set of broadcasts based on each user of the set of users having the transaction account associated with the social media channel; identifying, by the computer based system, the offer indicator within the broadcast; determining, by the computer based system, a source of the broadcast based on the offer indicator, wherein the source of the broadcast has the transaction account that is linked with the social media channel; and associating, by the computer based system, the offer associated with the offer indicator to the transaction account associated with the source of the broadcast, in response to the transaction account being synched to the user profile and the social media channel; monitoring, by the computer based system and via the transaction account issuer system, the transaction account for at least one of a past transaction, current transaction or future transaction with a merchant via a merchant system that satisfies the offer; and crediting, by the computer based system, the transaction account with a reward in response to identifying at least one of the past transaction, the current transaction or the future transaction that satisfies the offer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A non-transitory computer-readable storage medium having stored thereon sequences of instructions, the sequences of instructions including instructions which, when executed by a computer based system, cause the computer based system to perform operations comprising:
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syncing, by the computer based system and via a registered card engine, a transaction account, a social media channel and a user profile, wherein the switching comprises; receiving, by the computer based system, a request to sync the social media channel with the transaction account issued by a transaction account issuer system, wherein the request is created by the social media channel in response to a user initiating a sync process in the social media channel; obtaining, by the computer based system and in response to the request to sync, access to user profile information of the user of the social media channel; identifying, by the computer based system, the user profile based on the user profile information of the user of the social media channel; determining, by the computer based system, the transaction account associated with the user based on at least one of an input from the user in the social media channel or a response by the user to a request from the computer based system for a transaction account number; verifying, by the computer based system, that the transaction account is eligible to sync with the user profile in the social media channel; verifying, by the computer based system, that the transaction account is eligible to receive offers from a reward program system via the social media channel, wherein the verification is based on at least one of user account type, user spending level, user payment history, user spending history, user creditworthiness, or user enrollment in loyalty programs; receiving, by an offer registration system of the computer based system, an offer and an offer indicator, wherein the offer defines the social media channel and the offer indicator to be provided in a broadcast platform, wherein the offer indicator is functional and allows the social media channel to identify and route the offer to the computer based system, and wherein the offer indicator is capable of being broadcasted in the social media channel; converting, by the computer based system, the offer to be configured for use in the social media channel; providing, by the computer based system and to the user, the offer indicator for the offer; receiving, by the computer based system via a broadcast module residing with the social media channel, a set of broadcasts from the social media channel that trigger an acceptance of the offer by the user, wherein the social media channel receives broadcasts sent by users and filters the broadcasts for the offer indicator such that the set of broadcasts sent to the computer based system include the offer indicator, and wherein the broadcast platform is configured to identify a set of users that correspond to the set of broadcasts based on each user of the set of users having the transaction account associated with the social media channel; identifying, by the computer based system, the offer indicator within the broadcast; determining, by the computer based system, a source of the broadcast based on the offer indicator, wherein the source of the broadcast has the transaction account that is linked with the social media channel; and associating, by the computer based system, the offer associated with the offer indicator to the transaction account associated with the source of the broadcast, in response to the transaction account being synched to the user profile and the social media channel; monitoring, by the computer based system and via the transaction account issuer system, the transaction account for at least one of a past transaction, current transaction or future transaction with a merchant via a merchant system that satisfies the offer; and crediting, by the computer based system, the transaction account with a reward in response to identifying at least one of the past transaction, the current transaction or the future transaction that satisfies the offer.
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19. A computer based system comprising:
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a processor; a tangible network interface communicating with a tangible, non-transitory memory; the tangible, non-transitory memory communicating with the processor; and the processor, when executing a computer program, perform operations comprising; syncing, by the processor and via a registered card engine, a transaction account, a social media channel and a user profile, wherein the synching comprises; receiving, by the processor, a request to sync the social media channel with the transaction account issued by a transaction account issuer system, wherein the request is created by the social media channel in response to a user initiating a sync process in the social media channel; obtaining, by the processor and in response to the request to sync, access to user profile information of the user of the social media channel; identifying, by the processor, the user profile based on the user profile information of the user of the social media channel; determining, by the processor, the transaction account associated with the user based on at least one of an input from the user in the social media channel or a response by the user to a request from the processor for a transaction account number; verifying, by the processor, that the transaction account is eligible to sync with the user profile in the social media channel; verifying, by the processor, that the transaction account is eligible to receive offers from a reward program system via the social media channel, wherein the verification is based on at least one of user account type, user spending level, user payment history, user spending history, user creditworthiness, or user enrollment in loyalty programs; receiving, by an offer registration system of the processor, an offer and an offer indicator, wherein the offer defines the social media channel and the offer indicator to be provided in a broadcast platform, wherein the offer indicator is functional and allows the social media channel to identify and route the offer to the processor, and wherein the offer indicator is capable of being broadcasted in the social media channel; converting, by the processor, the offer to be configured for use in the social media channel; providing, by the processor and to the user, the offer indicator for the offer; receiving, by the processor via a broadcast module residing with the social media channel, a set of broadcasts from the social media channel that trigger an acceptance of the offer by the user, wherein the social media channel receives broadcasts sent by users and filters the broadcasts for the offer indicator such that the set of broadcasts sent to the processor include the offer indicator, and wherein the broadcast platform is configured to identify a set of users that correspond to the set of broadcasts based on each user of the set of users having the transaction account associated with the social media channel; identifying, by the processor, the offer indicator within the broadcast; determining, by the processor, a source of the broadcast based on the offer indicator, wherein the source of the broadcast has the transaction account that is linked with the social media channel; and associating, by the processor, the offer associated with the offer indicator to the transaction account associated with the source of the broadcast, in response to the transaction account being synched to the user profile and the social media channel; monitoring, by the processor and via the transaction account issuer system, the transaction account for at least one of a past transaction, current transaction or future transaction with a merchant via a merchant system that satisfies the offer; and crediting, by the processor, the transaction account with a reward in response to identifying at least one of the past transaction, the current transaction or the future transaction that satisfies the offer.
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Specification