Systems and Methods for Multi-Channel Offer Redemption

Patent metadata

Field	Value
Publication number	US-2018181971-A1
Application number	US-201815904707-A
Country	US
Kind code	A1
Filing date	Feb 26, 2018
Priority date	Nov 24, 2009
Publication date	Jun 28, 2018
Grant date	—

Abstract

Provided is a method for presenting images with embedded links for multi-channel redemption in a user interface. The method includes displaying an image including a first selectable portion and a second selectable portion, wherein a first link is embedded in the first selectable portion and points to a portal under control of a transaction handler, the first link identifying an offer for a merchant including at least one condition, and wherein a second link is embedded in the second selectable portion and points to the merchant. The method further includes, in response to a user selecting the first selectable portion of the image and following the first link, identifying, by the transaction handler and/or the portal, the user and an account of the user, and associating, by the transaction handler and/or the portal under control of the transaction handler, the offer with the account of the user.

First claim

What is claimed is:

1 . A computer-implemented method for presenting images with embedded links for multi-channel redemption in a user interface, comprising:
displaying, on a graphical user interface, an image comprising a first selectable portion and a second selectable portion, wherein a first link is embedded in the first selectable portion and points to a portal under control of a transaction handler, the first link identifying an offer for a merchant comprising at least one condition, and wherein a second link is embedded in the second selectable portion and points to the merchant; in response to a user selecting the first selectable portion of the image and following the first link, identifying, by the transaction handler and/or the portal under control of the transaction handler, the user and an account of the user; associating, by the transaction handler and/or the portal under control of the transaction handler, the offer with the account of the user; monitoring, by the transaction handler and/or the portal under control of the transaction handler, transactions processed at the transaction handler to identify a payment transaction in the account of the user; in response to identifying the payment transaction in the account of the user, determining, by the transaction handler and/or the portal under control of the transaction handler, that the payment transaction meets the at least one condition; and in response to determining that the payment transaction satisfies the at least one condition, providing a benefit associated with the offer to the account.

2 . The computer-implemented method of claim 1 , wherein the at least one condition is embedded in the first link.

3 . The computer-implemented method of claim 1 , wherein a network location from which the portal can obtain information associated with the offer is embedded in the first link.

4 . The computer-implemented method of claim 1 , wherein identifying the user comprises:
logging the user into the portal; storing a browser cookie in a web browser utilized by the user; and in response to the first link being followed by the user by selecting the first portion of the image, identifying the user based on the browser cookie.

5 . The computer-implemented method of claim 1 , wherein the user is associated with a plurality of accounts, further comprising:
in response to identifying the user, determining, by the transaction handler and/or the portal under control of the transaction handler, the plurality of accounts associated with the user; displaying, on a graphical user interface of the portal under control of the transaction handler, at least one selectable option configured to select the account from the plurality of accounts associated with the user; and receiving, from the user, a selected account from the plurality of financial transaction accounts, wherein the selected account is associated with the offer.

6 . The computer-implemented method of claim 1 , further comprising in response to determining that the payment transaction satisfies the at least one condition, notifying the user that the payment transaction is eligible for redemption of the offer.

7 . The computer-implemented method of claim 1 , further comprising in response to determining that the payment transaction satisfies the at least one condition, automatically charging an advertisement fee to the merchant, wherein the merchant is not charged for the image being displayed to the user until the payment transaction is determined to satisfy the at least one condition.

8 . The computer-implemented method of claim 1 , wherein the graphical user interface is presented on a transaction terminal comprising at least one of the following: a self-assist checkout terminal, an automated teller machine, a vending machine, a gas pump, a point-of-sale terminal, a mobile phone, and a kiosk.

9 . The computer-implemented method of claim 1 , further comprising:
in response to identifying the user and the account of the user, displaying a pop-up window including at least one selectable option configured to receive a confirmation from the user, wherein the offer is associated with the account of the user in response to receiving the confirmation from the user.

10 . A system for presenting images with embedded links for multi-channel redemption in a user interface, comprising:
a transaction handler in communication with a plurality of transaction terminals, the transaction handler configured to process a plurality of financial transactions; and a portal in communication with the transaction handler, wherein a least one of the transaction handler and the portal is configured to:
display, on a graphical user interface, an image comprising a first selectable portion and a second selectable portion, wherein a first link is embedded in the first selectable portion and points to the portal, the first link identifying an offer for a merchant comprising at least one condition, and wherein a second link is embedded in the second selectable portion and points to the merchant;
in response to a user selecting the first selectable portion of the image and following the first link, identify the user and an account of the user;
associate the offer with the account of the user;
monitor transactions processed at the transaction handler to identify a payment transaction in the account of the user;
in response to identifying the payment transaction in the account of the user, determine that the payment transaction meets the at least one condition; and
in response to determining that the payment transaction satisfies the at least one condition, provide a benefit associated with the offer to the account.

11 . The system of claim 10 , wherein the at least one condition is embedded in the first link.

12 . The system of claim 10 , wherein a network location from which the portal can obtain information associated with the offer is embedded in the first link.

13 . The system of claim 10 , wherein identifying the user comprises:
logging the user into the portal; storing a browser cookie in a web browser utilized by the user; and in response to the first link being followed by the user by selecting the first portion of the image, identifying the user based on the browser cookie.

14 . The system of claim 10 , wherein the user is associated with a plurality of accounts, and wherein at least one of the transaction handler and the portal is further configured to:
in response to identifying the user, determine the plurality of accounts associated with the user; display, on a graphical user interface, at least one selectable option configured to select the account from the plurality of accounts associated with the user; and receive, from the user, a selected account from the plurality of a financial transaction accounts, wherein the selected account is associated with the offer.

15 . The system of claim 10 , wherein at least one of the transaction handler and the portal is further configured to: in response to determining that the payment transaction satisfies the at least one condition, notify the user that the payment transaction is eligible for redemption of the offer.

16 . The system of claim 10 , wherein at least one of the transaction handler and the portal is further configured to: in response to determining that the payment transaction satisfies the at least one condition, automatically charging an advertisement fee to the merchant, wherein the merchant is not charged for the image being displayed to the user until the payment transaction is determin

Assignees

• Visa Usa Inc

Inventors

• Macilwaine John Hamilton
• Garen Kirstin
• Carlson Mark
• Coombes Iv George William
• Zink Russell P
• Stan Patrick
• Keshan Surendra

Classifications

• G06Q30/0273

  Determination of fees for advertising · CPC title

• G06Q30/02 Primary

  Marketing; Price estimation or determination; Fundraising · CPC title

• G06Q30/0207

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

• G06Q30/0215

  Including financial accounts · CPC title

• G06Q30/0269

  based on user profile or attribute · CPC title