Systems and methods to provide real-time offers via a cooperative database
First Claim
1. A computer-implemented method, comprising:
- receiving, by a computing apparatus in an electronic payment processing network, third party data using a communication channel outside the electronic payment processing network;
organizing, by the computing apparatus in the electronic payment processing network, 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;
storing, in the computing apparatus in the electronic payment processing network, data representing an offer from a first merchant in the first community but not in the second community;
generating, by the computing apparatus in the electronic payment processing network, a trigger record for the offer by determining, based on the second data, that the first merchant is permitted to have marketing access to the enrollees of the second community, and identifying a user from the enrollees of the second community based on the second data that identifies the restrictions on marketing access to the enrollees of the second community;
monitoring, by the computing apparatus in the electronic payment processing network, transactions to detect a first transaction between the user and a second merchant different from the first merchant, the first transaction to satisfy requirements identified in the trigger record to be detected; and
transmitting, by the computing apparatus and in real time with processing of authorization of the first transaction between the user and the second merchant, a message to the user to provide the offer from the first merchant.
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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.
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Citations
16 Claims
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1. A computer-implemented method, comprising:
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receiving, by a computing apparatus in an electronic payment processing network, third party data using a communication channel outside the electronic payment processing network; organizing, by the computing apparatus in the electronic payment processing network, 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; storing, in the computing apparatus in the electronic payment processing network, data representing an offer from a first merchant in the first community but not in the second community; generating, by the computing apparatus in the electronic payment processing network, a trigger record for the offer by determining, based on the second data, that the first merchant is permitted to have marketing access to the enrollees of the second community, and identifying a user from the enrollees of the second community based on the second data that identifies the restrictions on marketing access to the enrollees of the second community; monitoring, by the computing apparatus in the electronic payment processing network, transactions to detect a first transaction between the user and a second merchant different from the first merchant, the first transaction to satisfy requirements identified in the trigger record to be detected; and transmitting, by the computing apparatus and in real time with processing of authorization of the first transaction between the user and the second merchant, a message to the user to provide the offer from the first merchant. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A non-transitory computer storage device storing instructions configured to instruct a computing apparatus to at least:
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receive, in an electronic payment processing network, third party data using a communication channel outside the electronic payment processing network; organize, in the electronic payment processing network, 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; store, in the electronic payment processing network, data representing an offer from a first merchant in the first community but not in the second community; generate, in the electronic payment processing network, a trigger record for the offer by determining, based on the second data, that the first merchant is permitted to have marketing access to the enrollees of the second community, and identifying a user from the enrollees of the second community based on the second data that identifies the restrictions on marketing access to the enrollees of the second community; monitor, in the electronic payment processing network, transactions to detect a first transaction between the user and a second merchant different from the first merchant, the first transaction to satisfy requirements identified in the trigger record to be detected; and transmit, by the computing apparatus and in real time with processing of authorization of the first transaction between the user and the second merchant, a message to the user to provide the offer from the first merchant.
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14. A computing apparatus, comprising:
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at least one microprocessor; and memory storing instructions configured to instruct the microprocessor to perform operations; a transaction handler of an electronic payment processing network; a data warehouse coupled with the transaction handler and configured to store data representing an offer from a first merchant; a portal coupled with the data warehouse; wherein the computing apparatus is configured to receive, with the portal 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 first merchant is in the first community but not in the second community, generate a trigger record for the offer by determining, based on the second data, that the first merchant is permitted to have marketing access to the enrollees of the second community, and identifying a user from the enrollees of the second community based on the second data that identifies the restrictions on marketing access to the enrollees of the second community, the trigger record causing the transaction handler to monitor transactions and detect a first transaction between the user and a second merchant different from the first merchant, the first transaction to satisfy requirements identified in the trigger record to be detected; and a message broker coupled with the data warehouse to generate a message containing the offer for transmission to a communication reference of the user in real time with processing of authorization of the first transaction between the user and the second merchant. - View Dependent Claims (15, 16)
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Specification