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

  • US 10,628,842 B2
  • Filed: 01/11/2019
  • Issued: 04/21/2020
  • Est. Priority Date: 08/19/2011
  • Status: Active Grant
First Claim
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1. A computer-implemented method, comprising:

  • storing, with at least one processor, in a data warehouse in communication with a transaction handler, data associating a first account of a user with a communication reference of a device of the user;

    storing, with at least one processor, in the data warehouse, a 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, the plurality of events corresponding to a required order of the plurality of events;

    receiving, with at least one processor from an offeror corresponding to the offer, a new or modified event that modifies the required order;

    determining, with at least one processor, a most recent event, of the plurality of events, completed by the user;

    determining, with at least one processor, based on the required order, if the new or modified event is required temporally after the most recent event or before the most recent event;

    in response to determining that the new or modified event is required temporally after the most recent event, modifying, with at least one processor, the required order of the plurality of events to include the new or modified event;

    receiving, with at least one processor, the authorization response for a first transaction between a merchant and the first account of the user;

    determining, with at least one processor, that the first transaction in the first account has been approved based on receiving an authorization response and that the user of the first account has completed the plurality of events in the required order;

    communicating, with at least one processor, a redemption message to the device of the user using the communication reference stored in the data warehouse in association with the first account, the redemption message identifying the offer to redeem the amount of loyalty benefits towards the first transaction, wherein the redemption message is communicated so as to arrive at the device of the user substantially at a same time as the authorization response arrives at a merchant associated with the first transaction; and

    settling the first transaction by applying, with at least one processor, the amount of loyalty benefits by reducing an amount of the first transaction.

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