System and method for creating spend verified reviews

• US 9,710,822 B2
• Filed: 05/07/2013
• Issued: 07/18/2017
• Est. Priority Date: 09/16/2012
• Status: Active Grant

• Current Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Morris, Michael, Muthukrishnan, Sathish, Schultz, Stephanie, Tsangaris, Ilias, Berland, Leslie, Evans, Pepper, Kulkarni, Neha, Norman, Philip, Scala, Jed, Wolf, David
• Primary Examiner(s): Qayyum, Zeshan
• Application Number:
  US13/889,288
• Publication Number:
  US 20140081861A1
• Time in Patent Office: 1,533 Days
• Field of Search: 705 59
• CPC Class Codes: G06Q 10/087 Inventory or stock management, e.g. order filling, procurement or balancing against orders
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0234 Rebates after completed purchase
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G06Q 30/0633 Lists, e.g. purchase orders, compilation or processing
• CPC Class Codes: G06Q 30/0635 Processing of requisition or of purchase orders
• CPC Class Codes: G06Q 30/0637 Approvals
• CPC Class Codes: G06Q 30/0641 Shopping interfaces

Abstract

The systems, methods, and computer program products (collectively “systems”) described herein are generally configured to monitor actions in digital channels. More specifically, the systems are capable of creating spend verified reviews based on a transaction and/or an action in a channel. The systems are capable of syncing transaction accounts with various digital channels. Moreover, the systems are capable of initiating or completing transaction based on user information. The systems may also be capable of providing rewards based on activities or accomplishments in the digital channels. Moreover, the systems may be capable of verifying activities based on transaction information.

Claims

1. A method, comprising:

receiving, by a computer based system, channel profile information from a digital channel;

providing, by the computer based system and via the digital channel, syncing instructions for the digital channel;

receiving, by the computer based system and via the digital channel and based on the synching instructions, synching requests from a plurality of transaction account holders;

syncing, by the computer based system and in response to the synching requests, a plurality of transaction accounts of the plurality of transaction account holders with the digital channel over a network;

storing, by the computer based system and in response to the synching over the network, the plurality of transaction accounts to create stored information;

obtaining, by the computer based system and in response to the receiving the channel profile information, merchant information for a subset of merchants;

tracking, by the computer based system and in response to the synching over the network, the plurality of transaction accounts synched with the digital channel and used at the subset of merchants;

comparing, by the computer based system and in response to the tracking, merchant transaction information in a financial transaction of a merchant of the subset of merchants for an item with the stored information about a transaction account holder of the plurality of transaction account holders;

authorizing, by the computer based system, a transaction account for the item;

receiving, by the computer based system and from the digital channel, a request to verify that the transaction account holder conducted the financial transaction with the merchant;

verifying, by the computer based system and based on the merchant transaction information, that the transaction account holder used the transaction account that is of the plurality of transaction accounts to transact in the financial transaction at the merchant; and

notifying, by the computer based system and in response to the authorization and the verifying, the digital channel about the authorization of the transaction account and about the transaction account holder conducting the financial transaction with the merchant.

2. The method of claim 1, wherein the digital channel receives a review of the item and further comprising comparing, by the computer based system, the review of the item to a criteria.

3. The method of claim 2, wherein the criteria includes a time period.

4. The method of claim 3, wherein the time period is less than one year.

5. The method of claim 2, wherein the criteria is a transaction amount.

6. The method of claim 1, further comprising:

receiving, by the computer based system, an action in the digital channel; and

transmitting, by the computer based system, a request for instructions in response to the receiving the action in the digital channel.

7. The method of claim 1, further comprising:

receiving, by the computer based system, the authorization for the financial transaction; and

transmitting, by the computer based system, at least one of a request for instructions or a request for an action in response to the receiving the authorization for the financial transaction.

8. The method of claim 7, wherein the transmitting is provided to the transaction account holder in real-time based on at least one of the action in the channel or the transaction.

9. The method of claim 1, wherein the syncing is based on an input from the transaction account holder in the digital channel.

10. The method of claim 9, wherein the input is at least one of the transaction account holder information or the channel profile information.

11. The method of claim 1, wherein the transaction account holder information includes historical transactions.

12. The method of claim 11, wherein the transaction account holder information is filtered to identify transactions for at least one of merchants or items associated with the digital channel.

13. The method of claim 1, further comprising providing, by the computer based system, the notification to the transaction account holder through a portable electronic device in response to the financial transaction with the merchant associated with the digital channel.

14. The method of claim 1, wherein the verifying includes at least one of information identifying a source of a verification or information identifying a level of the verification.

15. The method of claim 1, wherein the financial transaction is completed within the digital channel.

16. The method of claim 1, wherein the digital channel receives a review of the item and wherein the review is completed in the digital channel.

17. A non-transitory computer program product having computer-executable instructions stored thereon that, when executed by a computer based system, causes the computer based system to perform operations comprising:

receiving, by the computer based system, channel profile information from a digital channel;

providing, by the computer based system and via the digital channel, syncing instructions for the digital channel;

receiving, by the computer based system and via the digital channel and based on the synching instructions, synching requests from a plurality of transaction account holders;

syncing, by the computer based system and in response to the synching requests, a plurality of transaction accounts of the plurality of transaction account holders with the digital channel over a network;

storing, by the computer based system and in response to the synching over the network, the plurality of transaction accounts to create stored information;

obtaining, by the computer based system and in response to the receiving the channel profile information, merchant information for a subset of merchants;

tracking, by the computer based system and in response to the synching over the network, the plurality of transaction accounts synched with the digital channel and used at the subset of merchants;

comparing, by the computer based system and in response to the tracking, merchant transaction information in a financial transaction of a merchant of the subset of merchants for an item with the stored information about a transaction account holder of the plurality of transaction account holders;

authorizing, by the computer based system, a transaction account for the item;

receiving, by the computer based system and from the digital channel, a request to verify that the transaction account holder conducted the financial transaction with the merchant;

verifying, by the computer based system and based on the merchant transaction information, that the transaction account holder used the transaction account that is of the plurality of transaction accounts to transact in the financial transaction at the merchant; and

notifying, by the computer based system and in response to the authorization and the verifying, the digital channel about the authorization of the transaction account and about the transaction account holder conducting the financial transaction with the merchant.

18. A computer based system comprising:

a processor;

a non-transitory memory configured to communicate with the processor, the non-transitory memory having instructions stored that when executed by the processor causes the processor to perform operations comprising;

receiving, by the processor, channel profile information from a digital channel;

providing, by the processor and via the digital channel, syncing instructions for the digital channel;

receiving, by the processor and via the digital channel and based on the synching instructions, synching requests from a plurality of transaction account holders;

syncing, by the processor and in response to the synching requests, a plurality of transaction accounts of the plurality of transaction account holders with the digital channel over a network;

storing, by the processor and in response to the synching over the network, the plurality of transaction accounts to create stored information;

obtaining, by the processor and in response to the receiving the channel profile information, merchant information for a subset of merchants;

tracking, by the processor and in response to the synching over the network, the plurality of transaction accounts synched with the digital channel and used at the subset of merchants;

comparing, by the processor and in response to the tracking, merchant transaction information in a financial transaction of a merchant of the subset of merchants for an item with the stored information about a transaction account holder of the plurality of transaction account holders;

authorizing, by the processor, a transaction account for the item;

receiving, by the processor and from the digital channel, a request to verify that the transaction account holder conducted the financial transaction with the merchant;

verifying, by the processor and based on the merchant transaction information, that the transaction account holder used the transaction account that is of the plurality of transaction accounts to transact in the financial transaction at the merchant; and

notifying, by the processor and in response to the authorization and the verifying, the digital channel about the authorization of the transaction account and about the transaction account holder conducting the financial transaction with the merchant.