Systems and methods to provide messages in real-time with transaction processing

• US 8,407,148 B2
• Filed: 10/19/2011
• Issued: 03/26/2013
• Est. Priority Date: 06/04/2010
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Yoder, Jeanette, Amaro, Leigh, Hagey, Ryan, Vroom, Derek A., Bankston, Michael Steven
• Primary Examiner(s): Reagan, James A
• Application Number:
  US13/277,164
• Publication Number:
  US 20120109730A1
• Time in Patent Office: 524 Days
• Field of Search: 705/64
• US Class Current: 705/64
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0231 Awarding of a frequent usage incentive independent of the monetary value of a good or service purchased, or distance travelled
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G07F 9/001 Interfacing with vending machines using mobile or wearable devices
• CPC Class Codes: G07F 9/009 User recognition or proximity detection

Abstract

In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.

Claims

1. A computer-implemented method, comprising:

storing, in a computing apparatus having a transaction handler, a plurality of trigger records;

processing, by the transaction handler, an authorization request received from an acquirer processor, the authorization request being processed for a payment to be made by an issuer processor on behalf of a user having an account identifier associated with the issuer processor, the acquirer processor to receive the payment on behalf of a merchant;

determining, by the transaction handler, whether the authorization request matches one of the plurality of trigger records;

if the authorization request matches a trigger record in the plurality of the trigger records,

identifying, by the computing apparatus, a communication reference of the user in accordance with the trigger record,

generating, by the computing apparatus, a message regarding a benefit to be provided to the user upon completion of the payment, and

transmitting, from the computing apparatus, the message to the user via the communication reference in real-time with the processing of the authorization request; and

detecting a settlement of the payment corresponding to the authorization request; and

in response to the settlement being detected, providing the benefit to the user via statement credit to an account represented by the account identifier;

wherein the settlement of the payment corresponding to the authorization request does not occur in real-time with the processing of the authorization request.

2. The method of claim 1, wherein the communication reference is one of:

phone number and email address; and

the message is transmitted via at least one of;

short message service and email.

3. The method of claim 1, wherein the message is transmitted to a mobile phone of the user via the communication reference.

4. The method of claim 1, wherein the message is transmitted to the user via a communication channel separate from a communication channel used to provide a response to the authorization request.

5. The method of claim 1, further comprising:

identifying an offer based on transaction data of the user;

wherein the message provides the offer.

6. The method of claim 5, further comprising:

receiving offer rules from a merchant via a portal;

wherein the offer is identified based further on the offer rules.

7. The method of claim 5, wherein the offer is identified in real-time with the processing of the authorization request.

8. The method of claim 5, wherein the offer is identified in response to a determination that the authorization request matches the trigger record.

9. The method of claim 5, wherein the offer is identified based on a profile of the user summarizing the transaction data of the user.

10. The method of claim 9, further comprising:

generating the profile from the transaction data of the user via a cluster analysis and a factor analysis.

11. The method of claim 1, wherein the message indicates that a transaction for which the authorization request is processed is eligible for the benefit of an offer associated with the account identifier of the user, when the transaction is completed.

12. The method of claim 11, further comprising:

storing, in the computing apparatus, the offer in association with the account identifier, wherein the trigger record identifies the offer.

13. The method of claim 12, further comprising:

determining whether the payment, if completed, entitles the user to the benefit of the offer, in response to a determination that the authorization request matches the trigger record;

wherein the message is transmitted to the user via the communication reference in response to an indication of approval of the authorization request and after a determination is made that the payment, if completed, entitles the user to the benefit of the offer.

14. The method of claim 1, further comprising:

generating a second trigger record for the transaction handler to monitor the settlement of the payment.

15. The method of claim 1, wherein the computing apparatus is configured to detect the authorization request via a first trigger record and to detect the settlement via a second trigger record.

16. A tangible computer-storage medium storing instructions configured to instruct a computing apparatus to:

generate, in a computing apparatus having a transaction handler, a plurality of trigger records;

process, by the transaction handler, an authorization request received from an acquirer processor, the authorization request being processed for a payment to be made by an issuer processor on behalf of a user having an account identifier associated with the issuer processor, the acquirer processor to receive the payment on behalf of a merchant;

determine, by the transaction handler, whether the authorization request matches one of the plurality of trigger records;

if the authorization request matches a trigger record in the plurality of the trigger records,

identify, by the computing apparatus, a communication reference of the user in accordance with the trigger record,

generate, by the computing apparatus, a message regarding a benefit to be provided to the user upon completion of the payment, and

transmit, from the computing apparatus, the message to the user via the communication reference in real-time with the processing of the authorization request; and

detect a settlement of the payment corresponding to the authorization request; and

in response to the settlement being detected, provide the benefit to the user via statement credit to an account represented by the account identifier;

wherein the settlement of the payment corresponding to the authorization request does not occur in real-time with the processing of the authorization request.

17. A computing apparatus, comprising:

a data warehouse configured to store a plurality of trigger records;

a transaction handler coupled with the data warehouse and configured to process an authorization request received from an acquirer processor, the authorization request being processed for a payment to be made by an issuer processor on behalf of a user having an account identifier associated with the issuer processor, the acquirer processor to receive the payment on behalf of a merchant;

a message broker coupled with the transaction handler, wherein after the transaction handler determines that the authorization request matches a trigger record in the plurality of the trigger records, the message broker identifies a communication reference of the user in accordance with the trigger record and generates a message regarding a benefit to be provided to the user upon completion of the payment; and

a media controller coupled with the message broker to transmit the message to the user via the communication reference in real-time with the transaction handler processing the authorization request;

wherein the transaction handler is configured to detect a settlement of the payment corresponding to the authorization request and in response to the settlement being detecting, provide the benefit to the user via statement credit to an account represented by the account identifier; and

wherein the settlement of the payment corresponding to the authorization request does not occur in real-time with the processing of the authorization request.