Systems and methods to communicate offer options via messaging in real time with processing of payment transaction
First Claim
Patent Images
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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Abstract
In one aspect, a computing apparatus is configured to facilitate the redemption of loyalty currency in a payment transaction via facilitating awareness of the payment transaction, managing the consumer segmentation and offering promotions, validating available points currency, managing a currency value exchange rate, applying deductions to consumer currency balance, facilitating consumer reimbursement, invoicing for currency exchange, and/or providing consumer engagement.
1032 Citations
21 Claims
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1. A computer-implemented method, comprising:
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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; andduring 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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 21)
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16. A non-transitory computer readable medium storing instructions configured to instruct the computing apparatus to:
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store, in a data warehouse of a computing apparatus, data associating a first account and a communication reference of a mobile device, wherein the computing apparatus comprises; 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; the data warehouse storing the data associating the first account and the communication reference of the 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 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; andduring processing of a first transaction initiated by a transaction terminal in the first account, receive, in the transaction handler, an authorization response for a first transaction, initiated by a transaction terminal, in the first account; and in response to the authorization response received in the transaction handler, make 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, transmit 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; communicate by the computing apparatus with a loyalty processor in control of the loyalty account to reserve the amount of loyalty benefits; receive, 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 apply, 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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17. A system having at least one microprocessor and memory coupled with the at least one microprocessor, the memory storing instructions configured to instruct the at least one microprocessor to perform operations, the system comprising:
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a data warehouse storing data associating with 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; 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, the transaction handler further configured to detect that a first transaction, initiated by a transaction terminal, in the first account is approved in an authorization response received in the transaction handler; a rule engine coupled with the transaction handler to make a determination that a user of the first account has completed the plurality of events in the required order, based on approval of the first transaction, so as to be eligible to redeem an amount of loyalty benefits associated with the offer from a loyalty account towards the first transaction during settlement of the first transaction; a portal coupled with the rule engine to; (i) communicate, in response to the determination, with a loyalty processor in control of the loyalty account to reserve the amount of loyalty benefits, 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;a message broker configured to generate, in response to the determination that the first transaction has been approved and the user is eligible for the offer to redeem loyalty benefits, a message identifying the offer to redeem the amount of loyalty benefits towards the first transaction during settlement of the first transaction; and a media controller configured to transmit, using the communication reference stored in the data warehouse in association with the first account, the message to the mobile device, in response to the determination, wherein the message is transmitted 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; wherein after the portal receives from the mobile device a reply to the message accepting the offer to redeem the amount of loyalty benefits towards the first transaction, the transaction handler is configured to apply the amount of loyalty benefits during settlement of the first transaction by reducing an amount of the first transaction. - View Dependent Claims (18, 19, 20)
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Specification