System and method for determining merchant location and availability using transaction data

• US 9,934,511 B2
• Filed: 06/29/2012
• Issued: 04/03/2018
• Est. Priority Date: 06/29/2012
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Groarke, Peter
• Primary Examiner(s): Miller, Alan S
• Application Number:
  US13/538,305
• Publication Number:
  US 20140006097A1
• Time in Patent Office: 2,104 Days
• Field of Search: 705 711- 742
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising

Abstract

A method for determining merchant availability is provided. The method includes storing in an electronic storage device a database of merchant transactions; accessing information in the database concerning the transactions, including time of the transactions and locations for merchants participating in the transactions, and assembling the information to provide locations where a merchant is currently available for conducting business. A computer readable non-transitory storage medium storing instructions of a computer program, which when executed by a computer system, results in performance of steps of the method.

Claims

1. A system for determining merchant availability, comprising:

a point of sale device for authorizing a credit, debit, or payment card transaction and generating raw transaction data for the credit, debit, or payment card transaction, the point of sale device being part of a three-party or a four-party payment card transaction processing system;

an electronic storage device having

a transaction database, wherein the electronic storage device receives and stores, in the transaction database;

(a) merchant data of a merchant conducting the credit, debit, or payment card transaction and (b) the raw transaction data, wherein the raw transaction data includes (i) time and date data, (ii) price data, and (iii) credit, debit, or payment card transaction data including personally identifying confidential information of credit, debit, or payment card users, and the merchant data includes (i) geographical location data of the merchant; and

a filtered transaction database comprising filtered transaction data;

an Internet accessible website access interface configured to provide website access to the filtered transaction database; and

a processor communicatively coupled to the electronic storage device, wherein the processor is configured to;

filter the raw transaction data to remove personally identifying confidential information of credit, debit, or payment card users, thus yielding the filtered transaction data,

store the filtered transaction data in the filtered transaction database,

derive resultant information from both the filtered data and the merchant data based on a request received via the website access interface from an internet connected device of a person, wherein the request includes a time of the request and a maximum distance that the person desires to travel from a present location of the person, and wherein the resultant information is an indication determined from the filtered data of whether a merchant is presently open for business, and

assemble the resultant information based on the request to provide the person with one or a plurality of locations of the merchant that are presently open for business that met the request.

2. The system of claim 1, wherein the database has data concerning transactions in a given geographic region.

3. The system of claim 1, further comprising:

an access path to a web site for making the resultant information available to users of the web site.

4. The system of claim 1, wherein when the resultant information indicates that the merchant is no longer open for business, a marker corresponding to the merchant is changed as a warning that the merchant is no longer open.

5. The system of claim 1, wherein the processor is further configured to assemble the resultant information only within a predetermined period of time of the time of receiving the request.

6. The system of claim 1, wherein the resultant information in the database that is assembled includes only information of merchants that are currently open for business.

7. The system of claim 1, wherein access to the resultant information is available only to card holders of the same type of card being read by the point of sale device.

8. The system of claim 1, wherein the processor is further configured to make the resultant information available to the user device via the website access interface as a map or as a list.

9. The system of claim 8, wherein the processor is further configured to make the resultant information available to the user device via the website access interface including as the map, and wherein the map is generated to show location icons that change color based on whether the merchant is open or closed.

10. A method for determining merchant availability comprising:

receiving, from a point of sale device that is part of a three-party or a four-party payment card transaction processing system, raw transaction data for an authorized credit, debit, or payment card transaction of a merchant;

storing, in a transaction database on an electronic storage device, (a) the raw transaction data, wherein the database further comprises (b) merchant data of the merchant, wherein the raw transaction data includes (i) time and date data, (ii) price data, and (iii) credit, debit, or payment card transaction data including personally identifying confidential information of credit, debit, or payment card users, and the merchant data including (i) geographical location data of the merchant;

receiving a request from a user device of a person via an Internet accessible website access interface configured to provide website access to the filtered transaction database, wherein the request is for a merchant that open for business and includes a time of the request and a maximum distance that the person desires to travel from a present location of the person;

filtering, with a processor, the raw transaction data to remove personally identifying information of credit, debit, or payment card users, thus yielding filtered data;

storing the filtered transaction data in a filtered transaction database;

deriving resultant information from both the filtered transaction data and the merchant data based on the request, wherein the resultant information includes an indication determined from the filtered transaction data of whether a merchant is presently open for business;

assembling the resultant information to provide the person with one or a plurality of locations of merchants that are presently open for conducting business that met the request; and

making of the resultant information available to the user device via the website access interface.

11. The method of claim 10, wherein the database has information concerning transactions in a given geographic region.

12. The method of claim 10, wherein the making of the resultant information available to a user device comprises using a web site.

13. The method of claim 10, wherein the user device is an internet connected device that is used is at least one selected from the group consisting of:

a mobile telephone, a computer, a tablet, and a personal digital assistant.

14. The method of claim 13, further comprising using, in the internet connected device, at least one of a GPS receiver and a location input screen, for providing a location of the Internet connected device.

15. The method of claim 13, further comprising displaying merchants that are currently open for business on a display screen of the Internet connected device.

16. The method of claim 15, wherein the resultant information is displayed on the display screen as a real time map indicating a location the merchant that is currently open for business.

17. The method of claim 16, wherein the merchant currently open for business is displayed on the real time map as marker.

18. The method of claim 17, wherein the resultant information indicates that the merchant is no longer open for business, when the marker corresponding to the merchant is changed as a warning that the merchant is no longer open.

19. A computer readable non-transitory storage medium storing instructions of a computer program which when executed by a computer system results in performance of steps of a method for determining merchant availability comprising:

receiving, from a point of sale device that is part of a three-party or a four-party payment card transaction system, raw transaction data for an authorized credit, debit, or payment card transaction of a merchant;

storing, in a transaction database on an electronic storage device, (a) the raw transaction data, wherein the database comprises (b) merchant data of the merchant, the raw transaction data including (i) time and date data, (ii) price data, and (iii) credit, debit, or payment card transaction data including personally identifying confidential information of credit, debit, or payment card users, and the merchant data including (i) geographical location data of the merchant;

receiving a request from a user device of a person via an Internet accessible website access interface configured to provide website access to the filtered transaction database, the request being for an indication of a merchant that is open for business and including a time of the request and a maximum distance that the person desires to travel from a present location of the person;

filtering, with a processor, the raw transaction data to remove personally identifying information of credit, debit, or payment card users and to remove non-current transaction data, including after hour transaction data, thus yielding filtered transaction data;

storing the filtered transaction data in a filtered transaction database;

deriving resultant information from both the filtered data and the merchant data based on the request;

assembling the resultant information to provide the person with one or a plurality of locations of merchants that are presently open for conducting business that met the request, the resultant information of whether a merchant is presently open for business having been determined from the filtered data; and

making the resultant information available to the user device via the website access interface and to card holders of the same type of card being read by the point of sale device.