Auctioning of announcements

• US 9,836,785 B2
• Filed: 07/05/2011
• Issued: 12/05/2017
• Est. Priority Date: 04/22/2009
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Carlson, Mark
• Primary Examiner(s): Loftis, Johnna R
• Application Number:
  US13/176,631
• Publication Number:
  US 20110264540A1
• Time in Patent Office: 2,345 Days
• Field of Search: 705 1449
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• 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 30/0261 based on user location
• CPC Class Codes: G06Q 30/0275 Auctions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/08 Auctions

Abstract

An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient.

Claims

1. A method, comprising:

providing, by a computing apparatus, a communication interface causing, over a network, display of at least one webpage of a website on computing devices of a plurality of auction participants, the communication interface configured to communicate with the computing devices regarding an opportunity to communicate with a consumer after a respective announcement condition selected by each of the auction participants is satisfied, the plurality of auction participants including a first merchant, and the respective announcement condition comprising criteria including a presence of the consumer in a zone;

receiving, by the communication interface, a profile from a first computing device of the first merchant;

notifying, by the computing apparatus, over the network, the computing devices of the plurality of auction participants of the opportunity;

receiving a plurality of bids, from the computing devices, over the network, one from each of the plurality of auction participants, including a bid from the first computing device;

selecting a winning bid of the first merchant from the plurality of bids;

storing, in a database, transaction information regarding transactions of the consumer;

receiving an electronic transmission including data obtained from a GPS receiver of a portable consumer device of the consumer;

determining, using the data from the portable consumer device, a location of the consumer;

receiving, by a transaction handler, an authorization request addressed from a point of interaction terminal in a store location of the merchant;

making a comparison of data in the authorization request with the transaction information stored in the database;

determining, based at least in part on the comparison, in real-time with the receiving of the authorization request, whether the respective announcement condition of the first merchant is satisfied, including determining whether the location is in the zone based at least in part on co-location of the user and the point of interaction terminal to generate the authorization request, wherein the determining whether the respective announcement condition of the first merchant is satisfied further comprises accessing logic rules, stored in the database, the logic rules comprising criteria to match in order to determine that the respective announcement condition is satisfied, and the logic rules requiring that data stored in the database match both a first criterion and a second criterion, and wherein the determining whether the respective announcement condition of the first merchant is satisfied further comprises deriving data using received data, and comparing the derived data to one of the criteria of the respective announcement condition of the first merchant; and

in response to determining that the respective announcement condition of the first merchant is satisfied, facilitating delivery, in accordance with the profile, of an electronic announcement from the first computing device to the portable consumer device, wherein the facilitating delivery includes electronically sending, over a network, a transmission including data about the consumer to the first computing device, the transmission to cause the first computing device to send an electronic communication to the portable consumer device, the electronic communication to cause display of a link on the portable consumer device, and sending of an acceptance communication to the first computing device when the link is activated by the portable consumer device.

2. The method of claim 1, wherein account information associated with a payment account of the consumer is stored in the database.

3. The method of claim 1, wherein the plurality of bids includes a first bid, and the notifying comprises transmitting an auction notification to the plurality of auction participants, the method further comprising receiving, in reply to the auction notification, the first bid from the first merchant.

4. The method of claim 1, wherein each respective bid of the plurality of bids includes a monetary offer, and wherein the winning bid satisfies a winning criterion.

5. The method of claim 1, wherein the winning bid is a first winning bid, and further comprising selecting a second winning bid of a second participant from the plurality of bids.

6. The method of claim 1, wherein the second announcement condition further includes a characteristic of a payment account of the consumer.

7. A non-transitory computer-readable medium storing instructions which, when executed on a computer system, cause the computer system to:

provide a communication interface causing, over a network, display of at least one webpage of a web site on computing devices of a plurality of auction participants, the communication interface configured to communicate with the computing devices regarding an opportunity to communicate with a consumer after a respective announcement condition selected by each of the auction participants is satisfied, the plurality of auction participants including a first merchant, and the respective announcement condition comprising criteria including a presence of the consumer in a zone;

receive, by the communication interface, a profile from a first computing device of the first merchant;

receive a first announcement condition selected by a consumer;

notify, by the computing apparatus, over the network, the computing devices of the plurality of auction participants that the announcement opportunity is up for auction, wherein the consumer is associated with a payment account, and the respective announcement condition includes a characteristic of the payment account;

receive a plurality of bids, from the computing devices, over the network, one from each of the plurality of auction participants, including a bid from the first computing device;

select a winning bid of the first merchant from the plurality of bids, the selecting comprising checking the first announcement condition selected by the consumer;

receive, by a transaction handler, an authorization request addressed from a point of interaction terminal in a store location of the merchant;

make a comparison of data in the authorization request with prior transaction information of the consumer stored in a database;

determine, based at least in part on the comparison, in real-time with the receiving of the authorization request, whether the respective announcement condition of the first merchant is satisfied, including determining whether the location is in the zone based at least in part on co-location of the user and the point of interaction terminal to generate the authorization request, wherein the determining whether the respective announcement condition of the first merchant is satisfied further comprises accessing logic rules, stored in the database, the logic rules comprising criteria to match in order to determine that the respective announcement condition is satisfied, and the logic rules requiring that data stored in the database match both a first criterion and a second criterion, and wherein the determining whether the respective announcement condition of the first merchant is satisfied further comprises deriving data using received data, and comparing the derived data to one of the criteria of the respective announcement condition of the first merchant; and

in response to determining that the respective announcement condition of the first merchant is satisfied, form, in accordance with the profile, an announcement for electronic delivery to the first merchant, the delivery of the announcement comprising electronically sending, over a network, a transmission including data about the consumer to the first computing device, the transmission to cause the first computing device to send an electronic communication to a portable consumer device of the consumer, the electronic communication to cause display of a link on the portable consumer device, and sending of an acceptance communication to the first computing device when the link is activated by the portable consumer device.

8. The non-transitory computer-readable medium of claim 7, wherein the notifying is performed after the respective announcement condition of the first merchant is satisfied and before the receiving the plurality of bids.

9. The non-transitory computer-readable medium of claim 7, wherein the instructions further cause the computer system to determine a location of a portable consumer device of the consumer.

10. The non-transitory computer-readable medium of claim 9, wherein the determining the location includes using a code in the authorization request.

11. The non-transitory computer-readable medium of claim 7, wherein the respective announcement condition further includes a demographic of the consumer.

12. A system, comprising:

a communication interface configured to cause, over a network, display of at least one webpage of a web site on computing devices of a plurality of auction participants, the communication interface configured to communicate with the computing devices regarding an announcement opportunity to communicate with a consumer after a respective announcement condition selected by each of the auction participants is satisfied, the plurality of auction participants including a first merchant, and the respective announcement condition comprising criteria including presence of a portable consumer device of the consumer in a spatial zone;

memory storing account information associated with a payment account of a consumer; and

at least one processor coupled to the memory and configured to;

receive, by the communication interface, a profile from a first computing device of the first merchant;

notify, over the network, the computing devices of the plurality of auction participants that the announcement opportunity is up for auction;

receive a plurality of bids, from the computing devices, over the network, one from each of the plurality of auction participants, including a bid from the first computing device;

select a winning bid of the first merchant from the plurality of bids, the selecting comprising checking a second announcement condition of the consumer;

store, in a database, transaction information regarding transactions of the consumer;

receive, by a transaction handler, an authorization request addressed from a point of interaction terminal in a store location of the merchant;

make a comparison of data in the authorization request with the transaction information stored in the database;

determine, based at least in part on the comparison, in real-time with the receiving of the authorization request, whether the first announcement condition is satisfied, including determining whether the portable consumer device is within the spatial zone based at least in part on co-location of the user and the point of interaction terminal to generate the authorization request, wherein the determining whether the first announcement condition is satisfied further comprises accessing logic rules, stored in the database, the logic rules comprising criteria to match in order to determine that the respective announcement condition is satisfied, and the logic rules requiring that data stored in the database match both a first criterion and a second criterion, and wherein the determining whether the first announcement condition is satisfied further comprises deriving data using received data, and comparing the derived data to one of the criteria of the respective announcement condition of the first merchant; and

in response to determining that the first announcement condition is satisfied, enable a communication with the portable consumer device from the first computing device, wherein the enabling the communication includes electronically sending, over a network, a transmission including data about the consumer to the first computing device, the transmission to cause the first computing device to send an electronic communication to the portable consumer device, the electronic communication to cause display of a link on the portable consumer device, and sending of an acceptance communication to the first computing device when the link is activated by the portable consumer device.

13. The system of claim 12, wherein the point of interaction terminal is co-located with the portable consumer device.

14. A method, comprising:

providing, by a computing apparatus, a communication interface causing, over a network, display of at least one webpage of a website on computing devices of a plurality of auction participants, the communication interface configured to communicate with the computing devices regarding an opportunity to communicate with a consumer after a respective announcement condition selected by each of the auction participants is satisfied, the plurality of auction participants including a first merchant, and the respective announcement condition comprising criteria including a presence of the consumer in a zone;

receiving, by the communication interface, a profile from a first computing device of the first merchant;

prior to a consumer entering a zone, receiving, by the computing apparatus, from the first computing device, in an auction amongst the computing devices of the plurality of auction participants for the opportunity, a bid by the first merchant;

sending, by the computing apparatus, notification that the bid is a winning bid;

storing, in a database, transaction information regarding transactions of the consumer;

receiving a transmission including information usable to determine a location of the consumer;

receiving, by a transaction handler, an authorization request addressed from a point of interaction terminal in a store location of the merchant;

making a comparison of data in the authorization request with the transaction information stored in the database;

determining, based at least in part on the comparison, in real-time with the receiving of the authorization request, whether the respective announcement condition of the first merchant is satisfied, including determining whether the location is in the zone based at least in part on co-location of the user and the point of interaction terminal to generate the authorization request, wherein the determining whether the respective announcement condition of the first merchant is satisfied further comprises accessing logic rules, stored in the database, the logic rules comprising criteria to match in order to determine that the respective announcement condition is satisfied, and the logic rules requiring that data stored in the database match both a first criterion and a second criterion, and wherein the determining whether the respective announcement condition of the first merchant is satisfied further comprises deriving data using received data, and comparing the derived data to one of the criteria of the respective announcement condition of the first merchant; and

in response to determining that the announcement condition is satisfied, sending, via the computing apparatus, the announcement to the first merchant, the sending comprising sending, over a network, a transmission including data about the consumer to the first computing device, the transmission to cause the first computing device to send an electronic communication to the portable consumer device, the electronic communication to cause display of a link on the portable consumer device, and sending of an acceptance communication to the first computing device when the link is activated by the portable consumer device.

15. The method of claim 14, wherein:

the first criterion of the criteria is satisfied after the location is matched with the zone; and

the second criterion of the criteria is satisfied after there is a match of a transaction history of a payment account of the consumer with a required tendency to purchase a specific type of resource.

16. The method of claim 14, wherein the criteria includes electronically receiving a transaction occurring within a specified time interval with a merchant located in the zone.