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Systems and methods to communicate offer options via messaging in real time with processing of payment transaction

  • US 10,223,707 B2
  • Filed: 08/20/2012
  • Issued: 03/05/2019
  • Est. Priority Date: 08/19/2011
  • Status: Active Grant
First Claim
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1. A computer-implemented method, comprising:

  • providing, a computing apparatus comprising;

    a transaction handler configured in an electronic payment processing network connecting separate computers including;

    transaction terminals configured to initiate transactions of payments made in the electronic payment processing network using identifiers of payment accounts;

    first computers controlling the payment accounts;

    second computers controlling merchant accounts in which the payments are received in the electronic payment processing network; and

    the transaction handler interconnecting the first computers and the second computers;

    a data warehouse storing data associating a first account and a communication reference of a mobile device, and storing completion status of a plurality of events corresponding to an offer available during execution of an offer campaign, the plurality of events including at least one prerequisite event and a final event, wherein the plurality of events must be completed in a required order by a user of the first account to be eligible to redeem the offer; and

    a portal coupled with the transaction handler and configured to;

    (i) communicate with mobile devices outside the electronic payment processing network, and(ii) allow an offeror to modify the required order of the plurality of events corresponding to the offer during the execution of the offer campaign by adding or modifying an event by;



    determining a most recent event, of the plurality of events, completed by the user, and performing one of the following step (a) or step (b);

    (a) in response to determining that the new or modified event is required temporally after the most recent event, modifying the required order of the plurality of events to include the new or modified event;

    (b) in response to determining that the new or modified event is required temporally before the most recent event, not modifying the required order of the plurality of events to include the new or modified event; and

    during processing of a first transaction initiated by a transaction terminal in the first account,receiving, in the transaction handler, an authorization response for the first transaction transmitted from the transaction terminal via the electronic payment processing network;

    in response to the authorization response received in the transaction handler, making a determination by the computing apparatus that;

    the first transaction in the first account has been approved in the authorization response; and

    the user of the first account has completed the plurality of events in the required order so as to be eligible to redeem an amount of loyalty benefits associated with the offer from a loyalty account towards the first transaction; and

    in response to the determination that the first transaction has been approved and the user is eligible for the offer to redeem loyalty benefits,transmitting by the portal of the computing apparatus a message to the mobile device using the communication reference stored in the data warehouse in association with the first account, the message identifying the offer to redeem the amount of loyalty benefits towards the first transaction, wherein the message is transmitted by the portal to arrive at the mobile device substantially at a same time as the authorization response arrives, through the electronic payment processing network, at the transaction terminal that initiates the first transaction in the first account;

    communicating by the computing apparatus with a loyalty processor in control of the loyalty account to reserve the amount of loyalty benefits;

    receiving, in the computing apparatus, a reply to the message from the mobile device, the reply accepting the offer identified in the message for redemption of the amount of loyalty benefits towards the first transaction; and

    applying, by the transaction handler of the computing apparatus, the amount of loyalty benefits by reducing an amount of the first transaction during settlement of the first transaction.

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