SYSTEMS AND METHODS TO GENERATE OFFERS BASED ON TRANSACTION DATA
First Claim
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1. A computer-implemented method, comprising:
- receiving, in a computing apparatus, a set of merchant parameters from a merchant;
identifying, by the computing apparatus, a first set of users and a second set of users based on categorizing the merchant and competitors of a merchant, where users in the first set transact with the merchant and users in the second set transact with the competitors;
identifying, by the computing apparatus, a set of offer terms for an offer campaign proposed for the merchant, based on an analysis of transaction patterns of the first set of user and the second set of users;
after the merchant approves the offer campaign, communicating, by the computing apparatus, an offer of the offer campaign to a third set of users identified for the offer campaign via one or more offer communication channels identified for the offer campaign; and
providing, by the computing apparatus, a benefit of the offer to respective users in the third set, in response to payment transactions of the respective users in the third set satisfying the offer terms.
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Abstract
A computing apparatus includes an offer engine configured to generate offers on behalf of merchants based on transaction data and a reduced set of parameters, such as budget, timing, and logo. The offers may be generated to include offer terms, identification of targeted customers to whom the offers will be provided, identification of media channels through which the offers will be distributed, and other aspects that generated based on the transaction data in accordance with the reduced set of parameters.
56 Citations
20 Claims
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1. A computer-implemented method, comprising:
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receiving, in a computing apparatus, a set of merchant parameters from a merchant; identifying, by the computing apparatus, a first set of users and a second set of users based on categorizing the merchant and competitors of a merchant, where users in the first set transact with the merchant and users in the second set transact with the competitors; identifying, by the computing apparatus, a set of offer terms for an offer campaign proposed for the merchant, based on an analysis of transaction patterns of the first set of user and the second set of users; after the merchant approves the offer campaign, communicating, by the computing apparatus, an offer of the offer campaign to a third set of users identified for the offer campaign via one or more offer communication channels identified for the offer campaign; and providing, by the computing apparatus, a benefit of the offer to respective users in the third set, in response to payment transactions of the respective users in the third set satisfying the offer terms. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A non-transitory computer-storage medium storing instructions configured to instruct a computing apparatus to at least:
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classify, by the computing apparatus, a set of users into a plurality of consumer micro-segments, based at least in part on transaction data of the users; classify, by the computing apparatus, a set of merchants of a merchant category into a plurality of merchant micro-categories, based at least in part on consumer micro-segments of merchants; identify, by the computing apparatus, differences between a distribution of consumer micro-segments of a first merchant and a distribution of consumer micro-segments of a first merchant micro-category that includes the first merchant; and apply, by the computing apparatus, marketing hypotheses on the differences to generate a proposed offer on behalf of the first merchant. - View Dependent Claims (9, 10, 11, 12, 13)
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14. A computing apparatus, comprising:
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at least one microprocessor; and a memory storing instructions configured to instruct the at least one microprocessor to; classify a set of users into a plurality of consumer micro-segments, based at least in part on transaction data of the users; determine degrees of affinity of a user to the consumer micro-segments respectively; determine values of the consumer micro-segments to a merchant; combine the degrees of affinity to the consumer micro-segments with the values of the consumer micro-segments to the merchant; and determine whether or not to provide an offer the merchant to the user based on a result of combining the degrees of affinity to the consumer micro-segments with the values of the consumer micro-segments to the merchant. - View Dependent Claims (15, 16, 17, 18, 19, 20)
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Specification