Inferring purchase intent using non-payment transaction events

Patent metadata

Field	Value
Publication number	US-10096037-B2
Application number	US-201514595193-A
Country	US
Kind code	B2
Filing date	Jan 12, 2015
Priority date	Jan 12, 2015
Publication date	Oct 9, 2018
Grant date	Oct 9, 2018

Abstract

Inferring purchase intent using non-payment transaction signals predicts whether a payment transaction has been completed based on non-payment information. An account system that operates outside of the payment path does not take part in and the approval of a financial transaction between the user and the merchant system, distributes an offer to the user. The user completes a financial payment transaction with the merchant and the account system determines whether a trigger event has occurred. The user performs an action or enters information using the user computing device, and the user computing device transmits an indication of the action to the account system. In another example, the account system receives notification from another system or device. The account system determines whether the action is a trigger event and the predictive model determines whether the user completed a financial transaction and/or redeemed the distributed offer.

First claim

What is claimed is:

1. A computer-implemented method to infer purchases, comprising:
transmitting, by one or more computing devices, an offer to a user computing device, the one or more computing devices not taking part in approvals of financial transactions and not participating in redemption offers;
determining, by the one or more computing devices, that the user interacted with the offer via the user computing device;
displaying, by an application executing on the user computing device, the offer on a user interface of the user computing device;
displaying, by the application executing on the user computing device, an account identifier on the user interface of the user computing device;
detecting, by the application executing on the user computing device, a geolocation of the user computing device when the account identifier is displayed on the user interface and responsive to displaying the account identifier on the user interface;
determining, by the application executing on the user computing device, a first time when the account identifier is displayed on the user interface and responsive to displaying the account identifier on the user interface;
transmitting, by the application executing on the user computing device, a notification to the one or more computing devices when the account identifier is displayed on the user interface and responsive to displaying the account identifier on the user interface, the notification comprising an indication that the account identifier was displayed, the detected geolocation, the determined first time, and a description of the account identifier;
receiving, by the one or more computing devices, the notification from the application executing on the user computing device when the account identifier is displayed on the user interface of the user computing device;
receiving, by the one or more computing devices, a second notification from an account computing system when a balance is adjusted, the second notification comprising an indication that the account balance was adjusted, a second time when the balance is adjusted and a description of the balance;
determining, by the one or more computing devices, that the indication that the account identifier was displayed and the indication that the balance was adjusted are pre-determined inputs used for identifying purchase transactions;
determining, by the one or more computing devices, that the user participated in a purchase transaction with a merchant using a predictive model to analyze the indication that the account identifier was displayed, the detected geolocation, the determined first time, the second time, and the indication that the balance was adjusted
determining, by the one or more computing devices, that the offer was redeemed during the purchase transaction, the one or more computing devices not taking part in an approval of the purchase transaction and not participating in redemption of the offer; and
marking, by the one or more computing devices, the offer as redeemed in response to determining that the offer was redeemed during the purchase transaction.

2. The method of claim 1 , wherein the account identifier displayed by the user computing device comprises a loyalty account identifier.

3. The method of claim 1 , wherein the account identifier displayed by the user computing device comprises a financial account identifier.

4. The method of claim 1 , wherein the balance adjusted is a gift card balance.

5. The method of claim 1 , wherein the balance adjusted is a loyalty account balance.

6. The method of claim 1 , further comprising receiving, by the one or more computing devices, a third notification comprising a receipt record.

7. The method of claim 6 , wherein determining that the user participated in the purchase transaction with the merchant further comprises analyzing, by the one or more computing devices, the receipt record.

8. The method of claim 1 , further comprising:
determining, by the one or more computing device, a second offer to distribute to the user computing device based on the determination that the offer was redeemed during the purchase transaction with the merchant; and
transmitting, by one or more computing devices, the second offer to the user computing device.

9. A system to infer purchase transactions, comprising:
a user computing device, the user computing device comprising a first storage device having first application code instructions stored therein, and a first hardware processor communicatively coupled to the first storage device, wherein the first application code instructions, when executed by the first hardware processor, cause the user computing device to:
display an offer on a user interface of the user computing device;
display an account identifier on the user interface of the user computing device;
detect a geolocation of the user computing device when the account identifier is displayed on the user interface and responsive to displaying the account identifier on the user interface;
determine a first time when the account identifier is displayed on the user interface and responsive to displaying the account identifier on the user interface;
transmit a notification to an account management computing system when the account identifier is displayed on the user interface and responsive to displaying the account identifier on the user interface, the notification comprising an indication that the account identifier was displayed, the detected geolocation, the determined first time, and a description of the account identifier;

an account computing system, the account computing system comprising a second storage device having second application code instructions stored therein, and a second hardware processor communicatively coupled to the second storage device, wherein the second application code instructions, when executed by the second hardware processor, cause the account computing system to:
detect a second time when a balance is adjusted;
transmit a second notification to the account management computing system when the balance is adjusted and responsive to the detection of the balance being adjusted, the second notification comprising an indication that the balance was adjusted, the second time, and a desertion of the balance;

an account management computing system, the account management computing system not taking part in the approval of financial transactions and not participating in redemptions of offers, the account management computing system comprising a storage device having application code instructions stored therein, and a hardware processor communicatively coupled to the storage device, wherein application code instructions, when executed by the hardware processor, cause the account management computing system to:
determine that a user interacted with the offer via the user computing device;
receive the notification from the user computing device when the account identifier is displayed by the user interface of the user computing device;
receive the second notification from the account computing system when the balance is adjusted;
determine that the indication that the account identifier was displayed and the indication that the balance was adjusted are pre-determined signals used for identifying purchase transactions;
determine that the user participated in a purchase transaction with a merchant using a predictive model to analyze the indication that the account identifier was displayed, the detected geolocation, the determined first time, the second time, and the indication that the balance was adjusted;
determine that the offer was redeemed during the purchase transaction with the merchant without the one or more computing devices taking part in

Assignees

• Google Inc
• Google Llc

Inventors

• Butler Iv Harry Lee
• Berntson Glenn
• Thrope Glenn
• Wang Xiaohang

Classifications

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title

• G06Q30/0226

  Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems · CPC title

• G06Q30/0222 Primary

  During e-commerce, i.e. online transactions · CPC title

• G06Q30/0238

  at point-of-sale [POS] · CPC title

• G06Q20/12

  specially adapted for electronic shopping systems · CPC title