Management of data warehouse for electronic payment transaction processing networks

Patent metadata

Field	Value
Publication number	US-11657070-B2
Application number	US-202217670302-A
Country	US
Kind code	B2
Filing date	Feb 11, 2022
Priority date	Nov 11, 2019
Publication date	May 23, 2023
Grant date	May 23, 2023

Abstract

Embodiments include apparatuses, methods, and systems for managing a data warehouse associated with an electronic payment transaction processing network. A first set of stores are active and a second set of stores are inactive in an offer program related to merchandise of a merchant. A first set of transaction records for a first set of transactions from the first set of stores and a second set of transaction records for a second set of transactions from the second set of stores are obtained. A first set of operations on the data warehouse for the first set of transaction records and a second set of operations on the data warehouse for the second set of transaction records may be performed. The second set of operations, different from the first set of operations, includes an update operation on the data warehouse. Other embodiments may also be described and claimed.

First claim

We claim:

1. A computer-implemented method for managing a data warehouse of an electronic payment transaction processing network, comprising:
storing in a storage device of the data warehouse, by one or more processors, an offer record for a merchant that has multiple stores, and at least some of the stores have multiple transactional terminals that process transaction records, the offer record stored to identify a hierarchical relationship of merchant entities including:
i) a merchant identifier to identify the merchant, the merchant identifier comprising a parent node,
ii) a store identifier to identify the multiple stores associated with the merchant, the store identifier comprising child nodes,
iii) a merchandise identifier at the store of the merchant to identify merchandise, and
iv) an offer rule that defines an offer program as a discount for certain merchandise in some of the stores of the merchant, wherein a first set of the stores is active in the offer program related to the certain merchandise, and a second set of the stores is inactive in the offer program;

receiving, by the one or more processors, a plurality of new transaction records for the merchant from the electronic payment transaction processing network, where the new transaction records are mapped to a respective merchant identifier and a respective store identifier;
determining, by the one or more processors, when to allow changes in the hierarchical relationships without issuing a merchant-level freeze of transaction processing even though the offer program is only active within specific regions for the merchant by:
tracking the stores that are active in the offer program by creating a lookup table comprising a first list of the first set of stores active in the offer program in a first time moment, and a second list of the second set of stores inactive in the offer program in a second time moment;
determining that the first set of stores in the first list at the first time moment, but not in the second list at the second time moment are those stores inactive in the offer program; and
performing an update operation on the new transaction records for the stores determined to be inactive in the offer program, such that information associated with the hierarchical relationships of the merchant entities is also updated.

2. The method of claim 1 further comprising:
creating a third list to indicate that the stores determined to be inactive in the offer program can be updated with new transaction records; and
creating a fourth list indicating the stores that are not to be updated for being active in the offer program.

3. The method of claim 2 , further comprising:
publishing the new transaction records for the stores in the third list for usage by other applications.

4. The method of claim 1 , further comprising:
receiving an input including a third set of stores from an input source;
obtaining, by the one or more processors, a set of transaction records through the electronic payment transaction processing network from the third set of stores; and
performing, by the one or more processors, the update operation for the third set of transaction records.

5. The method of claim 4 , receiving, by the one or more processors, a user feed list of the merchant entities on which the user indicates to perform the update operation even though an active offer exists, wherein the third set of stores includes a store that is active in the offer program.

6. The method of claim 1 , wherein a plurality of new transaction records includes a terminal identification, or a card acceptor identification.

7. The method of claim 1 , wherein the first set of stores are located in a first region, and the second set of stores are located in a second region different from the first region.

8. The method of claim 7 , wherein the first region is within a first city or country, and the second region is within a second city or country.

9. The method of claim 1 , wherein a plurality of new transaction records includes a transaction record for a debit card transaction, a prepaid credit transaction, a credit transaction, a fund transfer transaction, a mobile payment transaction, an online transaction, or a commercial payment transaction.

10. The method of claim 1 , wherein the second set of operations includes add transaction records to the data warehouse, and remove transaction records from the data warehouse.

11. The method of claim 1 , wherein the first set of operations include read or write operation on the data warehouse, and does not include an update operation on the data warehouse.

12. The method of claim 1 , wherein the second set of stores that are inactive in the offer program includes one or more stores that are active in the offer program at a first time instance, but not active in the offer program at a second time instance.

13. An executable software product stored on a non-transitory computer-readable medium containing program instructions for managing a data warehouse for an electronic payment transaction processing network, the program instructions for:
storing in a storage device of the data warehouse, by one or more processors, an offer record for a merchant that has multiple stores, and at least some of the stores have multiple transactional terminals that process transaction records, the offer record stored to identify a hierarchical relationship of merchant entities including:
i) a merchant identifier to identify the merchant, the merchant identifier comprising a parent node,
ii) a store identifier to identify the multiple stores associated with the merchant, the store identifier comprising child nodes,
iii) a merchandise identifier at the store of the merchant to identify merchandise, and
iv) an offer rule that defines an offer program as a discount for certain merchandise in some of the stores of the merchant, wherein a first set of the stores is active in the offer program related to the certain merchandise, and a second set of the stores is inactive in the offer program;

receiving, by the one or more processors, a plurality of new transaction records for the merchant from the electronic payment transaction processing network, where the new transaction records are mapped to a respective merchant identifier and a respective store identifier;
determining, by the one or more processors, when to allow changes in the hierarchical relationships without issuing a merchant-level freeze of transaction processing even though the offer program is only active within specific regions for the merchant by:
tracking the stores that are active in the offer program by creating a lookup table comprising a first list of the first set of stores active in the offer program in a first time moment, and a second list of the second set of stores inactive in the offer program in a second time moment;
determining that the first set of stores in the first list at the first time moment, but not in the second list at the second time moment are those stores inactive in the offer program; and
performing an update operation on the new transaction records for the stores determined to be inactive in the offer program, such that information associated with the hierarchical relationships of the merchant entities is also updated.

14. The executable software product of claim 13 , wherein the data warehouse includes a first group of transaction records for a store in the second set of stores before performing the update operation, and has a second group of transaction records for the store after performing the update operation, wherein the second group of transaction records is different

Assignees

• Visa Int Service Ass

Inventors

• Sannapareddy Rohith Reddy
• Ghate Nikhil Jayant
• Chakraborty Sukalyan
• Kashyap Abhijith Ramesh
• Mitra Prithwiraj
• Joshi Mahesh Govind
• Ghosh Basudeb
• Dsouza Nelson Inas

Classifications

• G06F16/283 Primary

  Multi-dimensional databases or data warehouses, e.g. MOLAP or ROLAP · CPC title

• G06Q20/387

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

• G06Q20/102

  Bill distribution or payments · CPC title

• G06Q30/0207 Primary

  Discounts or incentives, e.g. coupons or rebates · CPC title

• G06Q20/0855

  involving a third party · CPC title