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Successive offer communications with an offer recipient

  • US 9,841,282 B2
  • Filed: 07/27/2009
  • Issued: 12/12/2017
  • Est. Priority Date: 07/27/2009
  • Status: Active Grant
First Claim
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1. A computer-implemented method, comprising:

  • providing a computing apparatus including a transaction handler having;

    an interactive engine;

    an analytics engine; and

    a client processing engine;

    storing, in computing apparatus, transaction data related to a plurality of transactions processed by the client processing engine of the transaction handler, each of the transactions being processed to make a payment from an issuer to an acquirer via the transaction handler in response to an account identifier of a first customer issued by the issuer and submitted by a merchant to the acquirer, the issuer to make the payment on behalf of the first customer, the acquirer to receive the payment on behalf of the merchant;

    receiving, by the client processing engine of the computing apparatus from a point of interaction terminal of a first merchant, a first transmission of an authorization request for a first transaction of payment from the first customer using the account identifier to the first merchant, the first transmission having;

    first data identifying the first customer, andsecond data identifying the point of interaction terminal communicatively connected to the transaction handler;

    retrieving, using the first data, a logical address of a communication device of the first customer;

    retrieving, using the second data, first capability data stored in the computing apparatus, wherein the first capability data specifying a capability of the point of interaction terminal in generating a hard copy of offers, the capability specified in the first capability data including;

    dimensions of a hard copy output of the point of interaction terminal; and

    white space availability on receipts rendered by the point of interaction terminal;

    selecting, by the analytics engine of the computing apparatus, an offer compatible with the capability of the point of interaction terminal identified in the first capability data and based in part on a portion of the transaction data, wherein the offer is from a second merchant;

    generating, by the computing apparatus, a condition of the offer based on a distance between a location of the first merchant and a location of the second merchant;

    in response to the authorization request for the first transaction of payment from the first customer to the first merchant, transmitting, by the computing apparatus, a second transmission to the point of interaction terminal of the first merchant, the second transmission identifying the offer and the condition generated based on the distance, wherein;

    the second transmission received at the point of interaction terminal causes the point of interaction terminal to generate a hard copy of a receipt for the first transaction of payment, andthe hard copy of the receipt includes the offer and the condition included in the second transmission;

    storing, in the computing apparatus, status tracking data of the offer;

    after the second transmission, determining, by the computing apparatus, a real-time physical location of the communication device of the first customer that is disparate from the point of interaction terminal of the first merchant;

    determining, by the computing apparatus, an update for the offer from the second merchant, based on;

    a current status of the offer,the real-time physical location of the communication device, andthe location of the second merchant;

    forming, by the computing apparatus, a third transmission of an announcement identifying the update for the offer; and

    transmitting, by the interactive engine using the logical address, the third transmission to the communication device of the first customer.

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