Merchant configured advertised incentives funded through statement credits

Patent metadata

Field	Value
Publication number	US-10354250-B2
Application number	US-201715599296-A
Country	US
Kind code	B2
Filing date	May 18, 2017
Priority date	Mar 22, 2010
Publication date	Jul 16, 2019
Grant date	Jul 16, 2019

Abstract

An advertised incentive system receives advertised incentive configuration information provided by a merchant. The advertised incentive configuration information defines the content of advertised incentive banners. The advertised incentive banners are provided as needed to merchants to display on the merchant's website. Advertised incentive registration information is received from an account holder after the account holder interacts with the advertised incentive banner. Transaction information is received that contains a qualified purchase made by the account holder. The advertised incentive registration and the qualified purchase are matched. A statement credit is issued against the account holder's account and a debit is issued against the merchant's account in the amount of the statement credit.

First claim

What is claimed is:

1. A method, comprising:
providing, by a server associated with a transaction handler, a merchant interface to a merchant, the merchant interface configured to allow a merchant to create an advertised incentive program by specifying an advertised incentive program configuration, the merchant interface further configured to allow the merchant to instantly activate the advertised incentive program and to instantly deactivate the advertised incentive program;
receiving, by the server associated with the transaction handler, as part of the advertised incentive program configuration, an advertised incentive image and an alternate image from the merchant;
receiving, by the server associated with the transaction handler, a globally unique identifier for the advertised incentive program based on a server providing a shopping cart in a website of the merchant;
determining, by the server associated with the transaction handler, the advertised incentive program configuration of the advertised incentive program based on the globally unique identifier;
sending, by the server associated with the transaction handler, to a server providing the shopping cart, based on determining the advertised incentive program configuration, content for an advertised incentive banner of the shopping cart for display to an account holder via the website of the merchant, the content to include the advertised incentive image to be displayed when an advertised incentive program is activated, wherein sending the content for the advertised incentive banner comprises:
sending the content for the advertised incentive banner to the server providing the shopping cart to display the advertised incentive image when the advertised incentive program is activated by the account holder in the shopping cart based on the account holder clicking on the advertised incentive banner of the shopping cart;

causing the website of the merchant to display the advertised incentive image in the shopping cart when the advertised incentive program is activated based on the account holder clicking on the advertised incentive banner of the shopping cart;
receiving, by the server associated with the transaction handler, while the advertised incentive program is activated, an authorization request from a purchase device to authorize a qualifying purchase transaction, the qualifying purchase transaction qualifying for the advertised incentive according to the advertised incentive program configuration; and
processing, by the server associated with the transaction handler, the qualifying purchase transaction based on the authorization request.

2. The method of claim 1 , further comprising providing search results in response to a user request for a search, wherein a statement credit incentive is provided with the search results.

3. The method of claim 1 , further comprising:
executing, by the server associated with the transaction handler, the advertised incentive program with respect to a payment account of the account holder; and
in response to receiving the authorization request, sending, by the server associated with the transaction handler, to the purchase device, authorization data to cause the purchase device to complete the qualifying purchase transaction.

4. The method of claim 1 , wherein receiving the globally unique identifier for the advertised incentive program comprises receiving, from the server configured to provide the shopping cart, the globally unique identifier for the advertised incentive program.

5. The method of claim 4 , further comprising storing a cookie on a web browser of the account holder, and receiving registration information associated with the account holder for the advertised incentive program based on the cookie.

6. The method of claim 5 , wherein the globally unique identifier further identifies registration information for the account holder.

7. The method of claim 1 , wherein the advertised incentive banner is configured so that the account holder can register for the advertised incentive program by activating the advertised incentive banner.

8. The method of claim 7 , further comprising receiving, upon activation of the advertised incentive banner, a request for a statement credit registration form.

9. The method of claim 1 , wherein the content for the advertised incentive banner includes text.

10. A system, comprising:
a server associated with a transaction handler configured to provide a merchant interface to a merchant, the merchant interface configured to allow a merchant to create an advertised incentive program by specifying an advertised incentive program configuration, the merchant interface further configured to allow the merchant to instantly activate the advertised incentive program and to instantly deactivate the advertised incentive program;
at least one database configured to store registration information for the advertised incentive program received via the server associated with the transaction handler; and
wherein the server associated with the transaction handler is configured to at least:
receive, by the server associated with the transaction handler, as part of the advertised incentive program configuration, an advertised incentive image and an alternate image from the merchant;
receive, by the server associated with the transaction handler, a globally unique identifier for the advertised incentive program based on a server providing a shopping cart in a website of the merchant;
determine, by the server associated with the transaction handler, the advertised incentive program configuration of the advertised incentive program based on the globally unique identifier;
send, by the server associated with the transaction handler, based on determining the advertised incentive program configuration, content for an advertised incentive banner of the shopping cart for display to an account holder, to the server providing the shopping cart in the website of the merchant, the content to include the advertised incentive image to be displayed when the advertised incentive program is activated, wherein sending the content for the advertised incentive banner comprises:
sending the content for the advertised incentive banner to the server providing the shopping cart to display the advertised incentive image when the advertised incentive program is activated by the account holder in the shopping cart based on the account holder clicking on the advertised incentive banner of the shopping cart;

cause the website of the merchant to display the advertised incentive image in the shopping cart when the advertised incentive program is activated based on the account holder clicking on the advertised incentive banner of the shopping cart;
receive, by the server associated with the transaction handler, while the advertised incentive program is activated, an authorization request from a purchase device to authorize a qualifying purchase transaction, the qualifying purchase transaction qualifying for the advertised incentive according to the advertised incentive program configuration; and
process, by the server associated with the transaction handler, the qualifying purchase transaction based on the authorization request.

11. The system of claim 10 , wherein the server associated with the transaction handler is further configured to receive, from the server that provides the shopping cart, the globally unique identifier for the advertised incentive program.

12. The system of claim 11 , wherein the server associated with the transaction handler is further configured to store a cookie on a web browser of the account holder, and receive registration information associated with

Assignees

• Visa Int Service Ass

Inventors

• Macilwaine John Hamilton
• Stan Patrick
• Keshan Surendra
• Carlson Mark

Classifications

• G06Q20/387 Primary

  Payment using discounts or coupons (relating to marketing G06Q30/02) · CPC title

• G06Q30/0215

  Including financial accounts · CPC title

• G06Q30/02

  Marketing; Price estimation or determination; Fundraising · CPC title