Patent application number | Description | Published |
20100169170 | MERCHANT OFFER PROGRAM - A value of an incentive in a loyalty program is debited from a funding balance and credited to an account used in a transaction that qualifies for the incentive. A computing device receives a plurality of transactions upon accounts issued to account holders by corresponding issuers. After the transactions that qualify for the incentive are cleared and settled, funds matching the value of the incentive is transferred from a funding balance of the sponsor of the incentive to the account used in the qualified transaction. The issuer's interchange fee remains intact after the credit is applied. | 07-01-2010 |
20100211469 | POINT OF INTERACTION LOYALTY CURRENCY REDEMPTION IN A TRANSACTION - Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer. | 08-19-2010 |
20110035278 | Systems and Methods for Closing the Loop between Online Activities and Offline Purchases - In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction. | 02-10-2011 |
20110035280 | Systems and Methods for Targeted Advertisement Delivery - In one aspect, a computing apparatus is configured to receive a request for a profile to customize information for presentation to a user identified in the request and, responsive to the request identifying the user, provide the profile that is generated based on transaction data of the user. The profile summarizes the transaction data of the user using a plurality of values representing aggregated spending in various areas. The information includes an advertisement selected, prioritized, adjusted, or generated based on the profile. The advertisement includes at least an offer, such as a discount, incentive, reward, coupon, gift, cash back, benefit, product, or service. | 02-10-2011 |
20110087519 | Systems and Methods for Panel Enhancement with Transaction Data - In one aspect, a computing apparatus is configured to generate audience measurement data regarding presentation of information to a plurality of customers via one or more media channels, identify the plurality of customers to a transaction handler to request information, receive the information generated based on transaction data related to a plurality of transactions processed at the transaction handler, and generate a report based on the audience measurement data and the information generated based on the transaction data. The one or more media channels may include an online media channel, a mobile communication channel, or an offline media channel, such as television broadcast, radio broadcast, newspaper, magazine, direct mail, billboard, etc. | 04-14-2011 |
20110087530 | Systems and Methods to Provide Loyalty Programs - In one aspect, a computing apparatus includes: a transaction handler to process transactions; a portal to receive from users enrollment input identifying account identifiers of the users and respective loyalty programs; and a data warehouse to store data associating the account identifiers with the respective loyalty programs. In response to an authorization request received in the transaction handler for a payment transaction identifying a first account identifier, the computing apparatus is to use the data warehouse to determine whether the first account identifier is enrolled with a loyalty program; and if the first account identifier is enrolled with a first loyalty program, the computing apparatus is to use the transaction handler to request purchase details from the merchant via a response to the authorization request, and determine benefits to be awarded to the user of the first account identifier. | 04-14-2011 |
20110087531 | Systems and Methods to Aggregate Demand - In one aspect, a computing apparatus includes: a data warehouse to store data associating a plurality of account identifiers with an offer having a predefined purchase requirement and an aggregated purchase requirement for a benefit; and a transaction handler configured to process a plurality of transactions. The transaction handler is further configured to determine whether each of the plurality of transactions satisfies a predefined purchase requirement, identify a set of transactions each satisfying the predefined purchase requirement, and determine whether the set of transactions satisfies an aggregated purchase requirement for the benefit. In one example, the transaction handler is configured to provide the benefit via statement credits when the set of transactions satisfies the aggregated purchase requirement. | 04-14-2011 |
20110087546 | Systems and Methods for Anticipatory Advertisement Delivery - In one aspect, a computing apparatus includes: a transaction handler to process transactions; a data warehouse to store transaction data recording a plurality of transactions processed at the transaction handler for a user; an anticipation engine coupled to the data warehouse to predict a future event relating to the user based on the transaction data stored in the data warehouse; a profile generator to generate a spending profile of the user based at least in part on the future event predicted for the user; and a portal coupled to the profile generator to provide the spending profile in response to a query. | 04-14-2011 |
20110087547 | Systems and Methods for Advertising Services Based on a Local Profile - In one aspect, a computing apparatus includes: a transaction handler to process transactions; a data warehouse to store transaction data recording the transactions processed at the transaction handler; a profile generator to generate, based on the transaction data, a profile including a plurality of values representing aggregated spending in various spending areas to summarize transactions in a geographical area; and a portal to receive advertisement data from an advertiser and to create an advertisement campaign based on the profile to deliver advertisements to users in the geographical area on behalf of the advertiser using one or more media channels. | 04-14-2011 |
20110087550 | Systems and Methods to Deliver Targeted Advertisements to Audience - In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler, a profile generator to generate a profile of a user based on the transaction data, an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a transaction of the user, and a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the transaction of the user. In one example, the profile includes a plurality of values representing aggregated spending of the user in various areas to summarize the transactions of the user. | 04-14-2011 |
20110093324 | Systems and Methods to Provide Intelligent Analytics to Cardholders and Merchants - In one aspect, a computing apparatus includes: a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed by the transaction handler, a portal coupled with the data warehouse to receive one or more parameters as an input and to provide spending activity information for presentation as a response to the input, and an analytics engine coupled with the portal and the data warehouse to analyze spending activities of a user based on the transaction data and the one or more parameters to generate the spending activity information regarding transactions in a plurality of accounts of the user. | 04-21-2011 |
20110093327 | Systems and Methods to Match Identifiers - In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler and to store mapping data between first user identifiers and first account identifiers, a profile generator to generate a profile of a user based on the transaction data, and a portal coupled to the transaction handler to receive a query identifying a second user identifier used by the first tracker to track online activities of a user. The system is to identify a second account identifier of the user from the second user identifier based on the mapping data between the first user identifiers and the first account identifiers to facilitate targeted advertising using the profile of the user and/or to provide information about certain transactions of the user related to a previously presented advertisement. | 04-21-2011 |
20110093335 | Systems and Methods for Advertising Services Based on an SKU-Level Profile - In one aspect, a computing apparatus includes: a transaction handler to process transactions; a portal to receive, from users, consent data that identifies account identifiers of the users; a data warehouse to store transaction data recording the transactions and store purchase details for at least some of the transactions; and a profile generator to generate profiles based on the transaction data and the purchase details stored in the data warehouse. In response to an authorization request received in the transaction handler for a payment transaction identifying a first account identifier, the system is to use the transaction handler to request purchase details associated with the authorization request from the merchant via a response to the authorization request, and receive and store the purchase details associated with the authorization request in the data warehouse, in response to a determination that the first account identifier is associated with consent data. | 04-21-2011 |
20110106840 | TRANSACTION AGGREGATOR FOR CLOSED PROCESSING - Systems and methods for determining aggregated transaction level data for specific group characteristics are provided. Aggregated transaction level data can be used for target marketing campaigns by looking at past and potential spending habits of populations with group characteristics specified in the transaction data aggregates. The aggregates can also be used to measure the effectiveness of a particular marketing campaign by correlating the spending patters of a particular group with sales resulting from the campaign. | 05-05-2011 |
20110302011 | Systems and Methods to Provide Messages in Real-Time with Transaction Processing - 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. | 12-08-2011 |
20110302022 | Systems and Methods for Closing the Loop between Online Activities and Offline Purchases - In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction. | 12-08-2011 |
20110302036 | Systems and Methods to Deliver Targeted Advertisements to Audience - In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler, a profile generator to generate a profile of a user based on the transaction data, an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a transaction of the user, and a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the transaction of the user. In one example, the profile includes a plurality of values representing aggregated spending of the user in various areas to summarize the transactions of the user. | 12-08-2011 |
20110302039 | Systems and Methods for Targeted Advertisement Delivery - In one aspect, a computing apparatus is configured to receive a request for a profile to customize information for presentation to a user identified in the request and, responsive to the request identifying the user, provide the profile that is generated based on transaction data of the user. The profile summarizes the transaction data of the user using a plurality of values representing aggregated spending in various areas. The information includes an advertisement selected, prioritized, adjusted, or generated based on the profile. The advertisement includes at least an offer, such as a discount, incentive, reward, coupon, gift, cash back, benefit, product, or service. | 12-08-2011 |
20120059702 | Systems and Methods to Rank and Select Triggers for Real-Time Offers - In one aspect, a computing apparatus is configured to receive an input specifying a set of users, identify a set of triggers, each of which corresponds to a set of one or more conditions which when satisfied cause transmission of a message to the set of users, rank the triggers based at least in part on transaction data of the users that was recorded by a transaction handler, and generate a ranked list of the triggers based on the ranking. | 03-08-2012 |
20120066062 | Systems and Methods to Present Triggers for Real-Time Offers - In one aspect, a computing apparatus is configured to identify a set of users; identify a plurality of triggers, each of which corresponds to a set of one or more conditions which when satisfied by a transaction of a user from the set, as the transaction is being processed by the transaction handler, causes transmission of an advertisement to the user; provide a graphical representation of triggers; and provide data related to the triggers on the graphical representation, in response to user interaction with the graphical representation. | 03-15-2012 |
20120066064 | Systems and Methods to Provide Real-Time Offers via a Cooperative Database - In one aspect, a computing apparatus is configured to: store transaction data recording transactions processed by a transaction handler; organize third party data according to community, where the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and responsive to a request from a merchant in the second community, present an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community. In one embodiment, the first data provides permission from the merchant in the first community to allow the merchant in the second community to use intelligence information of the first community to identify users for targeting offers from the merchant in the second community. | 03-15-2012 |
20120109709 | Systems and Methods for Panel Enhancement with Transaction Data - In one aspect, a computing apparatus is configured to generate audience measurement data regarding presentation of information to a plurality of customers via one or more media channels, identify the plurality of customers to a transaction handler to request information, receive the information generated based on transaction data related to a plurality of transactions processed at the transaction handler, and generate a report based on the audience measurement data and the information generated based on the transaction data. The one or more media channels may include an online media channel, a mobile communication channel, or an offline media channel, such as television broadcast, radio broadcast, newspaper, magazine, direct mail, billboard, etc. | 05-03-2012 |
20120109730 | Systems and Methods to Provide Messages in Real-Time with Transaction Processing - 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. | 05-03-2012 |
20120109734 | Systems and Methods to Match Identifiers - In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler and to store mapping data between first user identifiers and first account identifiers, a profile generator to generate a profile of a user based on the transaction data, and a portal coupled to the transaction handler to receive a query identifying a second user identifier used by the first tracker to track online activities of a user. The system is to identify a second account identifier of the user from the second user identifier based on the mapping data between the first user identifiers and the first account identifiers to facilitate targeted advertising using the profile of the user and/or to provide information about certain transactions of the user related to a previously presented advertisement. | 05-03-2012 |
20120215610 | Systems and Methods to Facilitate Offer Sharing - A computing apparatus is configured to use the transaction data of a user and the transaction data of the friends of the user to generate a profile to identify, select, and/or customize an offer that is initially communicated to the user. The offer is shareable by the user with the friends of the user. The computing apparatus is configured to monitor the transactions of the user and/or the friends of the user to detect a transaction that satisfies the redemption requirement of the offer and thus provide the benefit of the offer to the purchaser involved in the transaction, which may be the user or one of the friends of the user. | 08-23-2012 |
20120239479 | Systems and Methods to Combine Transaction Terminal Location Data and Social Networking Check-In - A system and method configured to provide enhanced services based on check-in information obtained in a social network system and transaction location information observed in a payment processing system. In one aspect, the transaction location may be used to validate, verify or authenticate the check-in location declared in the social network system. In another aspect, the transaction location can be used as a basis to automate a check-in in the social network system in accordance with a preference of a user. In a further aspect, the transaction location and the check-in location can be correlated to detect inaccurate data, correct the inaccurate data, and/or augment the data in a data warehouse about the locations of transaction terminals. | 09-20-2012 |
20130066771 | Systems and Methods to Configure Data for Diverse Services - A computing apparatus includes: a transaction handler configured to process payment transactions; a data warehouse coupled with the transaction handler to store transaction data recording the payment transactions processed by the transaction handler; and a portal coupled with the data warehouse to store non-transaction data associated with the transaction data. The portal is further configured to receive input from account holders to specify personalization data and to store the personalization data in the data warehouse to tag the non-transaction data. The personalization data controls the access to the non-transaction data tagged with the personalization data. | 03-14-2013 |
20130124263 | Systems and Methods to Summarize Transaction data - A computing apparatus is configured to summarize transaction data via aggregating transactions according to geographical regions (e.g., based on postal codes) for a plurality of merchant categories, normalize the aggregated spending across the merchant categories for each geographical region, rank the regions for each category based on the normalized spending, generate percentile indicators based on the ranking result, and generate spending indices that are proportional to the normalized spending within each category. The spending indices and percentile indicators of a geographical region across the set of merchant categories represent a spending profile of the region. The spending profile is indicative of the spending preferences of the region but does not reveal the actual spending amounts of any individual, family or region. The spending profile can be used in targeted advertising, and in measuring advertisement audience and campaign performance. | 05-16-2013 |
20130151323 | SYSTEMS AND METHODS FOR FACILITATING ISSUANCE AND REDEMPTION OF A REWARD - A computing apparatus is configured to receive, from a transaction handler of a payment network, an authorization request for a payment transaction. The authorization request identifies a full transaction amount, as well as information identifying the merchant and the cardholder involved in the transaction. The computing apparatus is configured to determine the cardholder's eligibility to receive a reward based on information provided in the authorization request, as well as offer information stored in association with the account information of the cardholder. When the cardholder is eligible for a reward, the computing apparatus deducts a reward amount from the transaction amount to authorize a partial amount for the transaction and provides a partial authorization response for the payment transaction. The partial authorization response may optionally include a description of the offer, the reward and/or an identifier of the offer. | 06-13-2013 |
20130166365 | Systems and Methods to Provide Messages in Real-Time with Transaction Processing - 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. | 06-27-2013 |