SYSTEMS AND METHODS TO REDEEM OFFERS BASED ON A PREDETERMINED GEOGRAPHIC REGION

• US 20130191198A1
• Filed: 01/18/2013
• Published: 07/25/2013
• Est. Priority Date: 01/20/2012
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Carlson, Mark, Stan, Patrick
• Application Number:
  US13/744,839
• Publication Number:
  US 20130191198A1
• Time in Patent Office: Days
• US Class Current: 705/14.23
• CPC Class Codes: G06F 9/468 Specific access rights for resources, e.g. using capability register
• CPC Class Codes: G06Q 30/0215 Including financial accounts

Abstract

A computing apparatus is configured to store an offer provided to a plurality of users. The offer has a set of requirements to be met for a benefit, such as one or more purchase requirements, and a presence requirement formulated based on a time period, a geographic region, and a user limit. A user is determined to meet the presence requirement when the user is identified to be within the geographic region at a time during the time period before the current number of users who meet the presence requirement exceeds the user limit. The computing apparatus is configured to identify users who meet the presence requirement and monitor transactions in the financial payment accounts of such users to identify accounts that satisfy the purchase requirements, and configured to provide the benefit of the offer to the respective accounts that satisfy the set of requirements of the offer.

Claims

1. A computer-implemented method, comprising:

providing, by a computing apparatus, an offer to a plurality of users having respective consumer accounts configured to make payments, wherein a benefit of the offer is based on a set of requirements including

a presence requirement based on a time period, a geographic region, and a user limit, and

at least one purchase requirement;

storing, by the computing apparatus, data to associate the offer with a consumer account of a user;

identifying, by the computing apparatus, presence information of the user to determine that the user met the presence requirement by being within the geographic region at a time during the time period, prior to the user limit being exceeded by a number of users who have consumer accounts associated with the offer and who have been determined to meet the presence requirement of the offer prior to the user;

monitoring, by the computing apparatus, transactions in the consumer account of the user to determine that the user met the at least one purchase requirement; and

providing, by the computing apparatus, the benefit of the offer to the user in response to a determination that the user met the set of requirements including the presence requirement and the at least one purchase requirement.

2. The method of claim 1, wherein the storing of the data to associate the offer with the consumer account of the user is prior to the time period;

and the consumer accounts of the number of users are associated with the offer prior to the time period.

3. The method of claim 2, wherein the storing of the data to associate the offer with the consumer account of the user is in response to an indication received from the user to accept the offer.

4. The method of claim 3, further comprising:

receiving, in the computing apparatus, a selection of the offer by the user, after the offer is provided to the user;

providing, by the computing apparatus, a user interface in response to the selection of the offer; and

receiving, in the computing apparatus and via the user interface, the indication from the user to accept the offer for association with the consumer account of the user.

5. The method of claim 1, wherein the identifying of the presence information of the user comprises:

communicating, by the computing apparatus, with a mobile application running in a portable device of the user to determine whether the user is in the geographic region during the time period.

6. The method of claim 5, wherein the portable device comprises a cellular telephone and a location determination system configured to determine a current location of the portable device.

7. The method of claim 6, wherein the mobile application is configured to transmit a message to the computing apparatus when a location determined by the location determination system is within the geographic region during the time period.

8. The method of claim 1, wherein the identifying of the presence information of the user comprises:

detecting a geographic location of the user based on a location of a transaction terminal on which a payment transaction is initiated using an account identification device of the user, the account identification device configured to identify the consumer account of the user to the transaction terminal.

9. The method of claim 8, wherein the identifying of the presence information of the user comprises:

determining the time of presence of the user at the geographic location based on a time of the payment transaction;

wherein the presence information of the user is identified during authorization of the payment transaction.

10. The method of claim 9, wherein the payment transaction based on which a determination was made that the user met the presence requirement is separate from at least one payment transaction based on which a determination was made that the user met the at least one purchase requirement.

11. The method of claim 10, wherein the at least one purchase requirement was met via the at least one payment transaction made after the time period of the presence requirement.

12. The method of claim 10, wherein the at least one purchase requirement was met via the at least one payment transaction made after the user limit for users who met the presence requirement of the offer is reached.

13. The method of claim 1, wherein the at least one purchase requirement is based on at least one of:

type of good, cost of good, quantity of good purchased by each respective user, and quantity of goods purchased by users whose consumer accounts are associated with the offer.

14. The method of claim 1, wherein the transactions are monitored via a transaction handler configured to process authorization requests for payment transactions in consumer accounts including the consumer account of the user.

15. The method of claim 1, wherein the at least one purchase requirement is met via at least one payment transaction between the user and at least one merchant located within the geographic region.

16. A computer storage medium storing instructions configured to instruct a computing apparatus to at least:

provide an offer to a plurality of users having respective consumer accounts configured to make payments, wherein a benefit of the offer is based on a set of requirements including

a presence requirement based on a time period, a geographic region, and a user limit, and

at least one purchase requirement;

store data to associate the offer with a consumer account of a user;

identify presence information of the user to determine that the user met the presence requirement by being within the geographic region at a time during the time period, prior to the user limit being exceeded by a number of users who have consumer accounts associated with the offer and who have been determined to meet the presence requirement of the offer prior to the user;

monitor transactions in the consumer account of the user to determine that the user met the at least one purchase requirement; and

provide the benefit of the offer to the user in response to a determination that the user met the set of requirements including the presence requirement and the at least one purchase requirement.

17. A computing apparatus having at least one processor and a memory storing instructions configured to instruct the at least one processor to perform operations, the computing apparatus comprising:

a data warehouse configured to store data to associate an offer with a consumer account of a user, the offer provided to a plurality of users having respective consumer accounts configured to make payments, wherein a benefit of the offer is based on a set of requirements including

a presence requirement based on a time period, a geographic region, and a user limit, and

at least one purchase requirement;

a portal configured to identify presence information of the user to determine that the user met the presence requirement by being within the geographic region at a time during the time period, prior to the user limit being exceeded by a number of users who have consumer accounts associated with the offer and who have been determined to meet the presence requirement of the offer prior to the user;

a transaction handler configured to monitor transactions in the consumer account of the user to determine that the user met the at least one purchase requirement, the transaction handler further configured to provide the benefit of the offer to the user, in response to a determination that the user met the set of requirements including the presence requirement and the at least one purchase requirement.

18. The computing apparatus of claim 17, wherein the portal is configured to communicate with a mobile application running in a mobile device of the user, the mobile device including a position determination system configured to determine a current location of the mobile device, the mobile application configured to transmit a message to the portal when a location of the mobile device is within the geographic region at a time during the time period of the presence requirement.

19. The computing apparatus of claim 18, wherein in response to a determination that the user met the presence requirement, the portal is configured to generate a trigger record configured to cause the transaction handler to detect a transaction that satisfies the purchase requirement.

20. The computing apparatus of claim 19, wherein the transaction handler is configured to provide the benefit of the offer via statement credit to the consumer account of the user;

and in response to a determination that the set of requirements are met, the portal is configured to transmit a message to the mobile device of the user during processing of an authorization request for a transaction in the consumer account of the user.