Inferring purchase intent using non-payment transaction events

Patent metadata

Field	Value
Publication number	US-2016203506-A1
Application number	US-201514595193-A
Country	US
Kind code	A1
Filing date	Jan 12, 2015
Priority date	Jan 12, 2015
Publication date	Jul 14, 2016
Grant date	—

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; determining, by the one or more computing devices, that the user interacted with the offer via the user computing device; receiving, by the one or more computing devices, a user action notification comprising one or more signals other than a financial payment notification; determining, by the one or more computing devices, that the one or more signals comprise one or more pre-determined signals classified for identifying purchase transactions; analyzing, by the one or more computing devices, the one or more signals to determine that the user participated in a purchase transaction with a merchant; and determining, by the one or more computing devices, that the offer was redeemed during the purchase transaction with the merchant without involvement of the one or more computing devices in the 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 with the merchant without involvement of the one or more computing devices in the redemption of the offer.

2 . The method of claim 1 , wherein the one or more computing devices analyzed signals other than financial payment notifications that correlate to purchase transactions to create an artificial neural network or adaptive system model for identifying purchase transactions.

3 . The method of claim 2 , further comprising, updating, by the one or more computing devices, the artificial neural network or adaptive system model for identifying purchase transactions based on the one or more signals.

4 . The method of claim 1 , wherein the one or more signals of the user action notification comprise an indication that the user computing device is located in a merchant location and an indication that the user computing device displayed the offer.

5 . The method of claim 1 , wherein the one or more signals of the user action notification comprise an indication that the user computing device is located in a merchant location and an indication that the user computing device displayed a financial account identifier.

6 . The method of claim 1 , wherein the one or more signals of the user action notification comprise an indication that a gift card balance was adjusted.

7 . The method of claim 1 , wherein the one or more signals of the user action notification comprise an indication that a loyalty account balance was adjusted.

8 . The method of claim 1 , further comprising:
receiving, by the one or more computing devices, a second notification that a second user action has been taken, the second notification comprising one or more second signals other than a financial payment notification; and determining, by the one or more computing devices, that the one or more second signals comprise one or more second pre-determined signals classified for identifying purchase transactions.

9 . The method of claim 4 , wherein analyzing the one or more signals comprises analyzing two or more signals to determine that the user participated in the purchase transaction with the merchant

10 . The method of claim 1 , further comprising assigning a confidence value to the determination that the user participated in the purchase transaction with the merchant.

11 . The method of claim 1 , further comprising:
determining, by the one or more computing devices, 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.

12 . A computer program product, comprising:
a non-transitory computer-readable medium having computer-readable program instructions embodied therein that when executed by a computer cause the computer to infer purchase transactions, the computer-readable program instructions comprising:
computer-readable program instructions for transmitting an offer to a user computing device;
computer-readable program instructions for determining that the user interacted with the offer via the user computing device;
computer-readable program instructions for receiving a user action notification comprising one or more signals other than a financial payment notification;
computer-readable program instructions for determining that the one or more signals comprise one or more pre-determined signals classified;
computer-readable program instructions for analyzing the one or more signals to determine that the user participated in a purchase transaction with a merchant; and
computer-readable program instructions for determining that the offer was redeemed during the purchase transaction with the merchant without involvement of the computer in the redemption of the offer; and
computer-readable program instructions for marking the offer as redeemed in response to determining that the offer was redeemed during the purchase transaction with the merchant without involvement of computer in the redemption of the offer.

13 . The computer program product of claim 12 , wherein the one or more signals of the user action notification comprise an indication that the user computing device is located in a merchant location and an indication that the user computing device displayed the offer.

14 . The computer program product of claim 12 , wherein the one or more signals of the user action notification comprise an indication that the user computing device is located in a merchant location and an indication that the user computing device displayed a financial account identifier.

15 . The computer program product of claim 12 , wherein the one or more signals of the user action notification comprise an indication that a gift card balance or a loyalty account balance was adjusted.

16 . The computer program product of claim 12 , further comprising:
computer-readable program instructions for receiving a second notification that a second user action has been taken, the second notification comprising one or more second signals other than a financial payment notification; and computer-readable program instructions for determining that the one or more second signals comprise one or more second pre-determined signals classified for identifying purchase transactions.

17 . A system for inferring purchase transactions, comprising:
a storage device; and a processor communicatively coupled to the storage device, wherein the processor executes application code instructions that are stored in the storage device to cause the system to:
transmitting an offer to a user computing device;
determining that the user interacted with the offer via the user computing device;
receiving a user action notification, the user action notification comprising one or more signals other than a financial payment notification;
determining that the one or more signals comprise one or more pre-determined signals classified for identifying purchase transactions;
analyzing the one or more signals to determine that the user participated in a purchase transaction with a merchant; and
determining that the offer was redeemed during the purchase transaction with the merchant without involvement of the processor in the redemption of the offer; and
marking the offer as redeemed in response to determining that the offer was redeemed during the purchase transaction with the merchant with

Assignees

• Google Inc

Inventors

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

Classifications

• G06Q20/20

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

• G06Q30/0238

  at point-of-sale [POS] · CPC title

• G06Q20/12

  specially adapted for electronic shopping systems · CPC title

• G06Q30/0222 Primary

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

• G06Q30/0226

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