Systems and methods to provide messages in real-time with transaction processing

Patent metadata

Field	Value
Publication number	US-9324088-B2
Application number	US-201313776319-A
Country	US
Kind code	B2
Filing date	Feb 25, 2013
Priority date	Jun 4, 2010
Publication date	Apr 26, 2016
Grant date	Apr 26, 2016

Abstract

In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.

First claim

What is claimed is:

1. A computer-implemented method, comprising:
storing, in a computing apparatus having a transaction handler, a plurality of trigger records;
processing, by the transaction handler, an authorization request received from an acquirer processor, the authorization request being processed for a payment to be made by an issuer processor on behalf of a user having an account identifier associated with the issuer processor, the acquirer processor to receive the payment on behalf of a merchant;
determining, by the transaction handler, whether the authorization request matches one of the plurality of trigger records; and
if the authorization request matches a trigger record in the plurality of the trigger records,
identifying, by the computing apparatus, a communication reference of the user in accordance with the trigger record,
generating, by the computing apparatus, a message regarding a benefit that will be provided to the user upon completion of the payment requested via the authorization request, and
transmitting, from the computing apparatus, the message to the user via the communication reference prior to providing the benefit to the user.

2. The method of claim 1 , wherein the communication reference is one of: phone number and email address; and the message is transmitted via at least one of: short message service and email.

3. The method of claim 1 , wherein the message is transmitted to a mobile phone of the user via the communication reference.

4. The method of claim 1 , wherein the message is transmitted to the user via a communication channel separate from a communication channel used to provide a response to the authorization request.

5. The method of claim 1 , further comprising:
identifying an offer based on transaction data of the user;
wherein the message provides the offer.

6. The method of claim 5 , further comprising:
receiving offer rules from a merchant via a portal;
wherein the offer is identified based further on the offer rules.

7. The method of claim 5 , wherein the offer is identified in real-time with the processing of the authorization request.

8. The method of claim 5 , wherein the offer is identified in response to a determination that the authorization request matches the trigger record.

9. The method of claim 5 , wherein the offer is identified based on a profile of the user summarizing the transaction data of the user.

10. The method of claim 9 , further comprising:
generating the profile from the transaction data of the user via a cluster analysis and a factor analysis.

11. The method of claim 1 , wherein the message indicates that a transaction for which the authorization request is processed is eligible for the benefit of an offer associated with the account identifier of the user, when the transaction is completed.

12. The method of claim 11 , further comprising:
storing, in the computing apparatus, the offer in association with the account identifier, wherein the trigger record identifies the offer.

13. The method of claim 12 , further comprising:
determining whether the payment, if completed, entitles the user to the benefit of the offer, in response to a determination that the authorization request matches the trigger record;
wherein the message is transmitted to the user via the communication reference in response to an indication of approval of the authorization request and after a determination is made that the payment, if completed, entitles the user to the benefit of the offer.

14. The method of claim 11 , further comprising:
identifying a settled transaction corresponding to the authorization request; and
providing the benefit of the offer to the user via statement credits after the settled transaction is identified.

15. The method of claim 11 , further comprising:
identifying a settled transaction corresponding to the authorization request; and
providing the benefit of the offer to the user via loyalty program points after the settled transaction is identified.

16. The method of claim 11 , further comprising:
providing the benefit of the offer to the user via point of sale credit using digital coupons transmitted to a cellular telephone of the user during processing of the payment at a transaction terminal.

17. The method of claim 1 , further comprising:
processing a settlement request for the payment; and
providing the benefit to the user via statement credit to an account corresponding to the account identifier in response to completion of settlement of the payment.

18. The method of claim 17 , further comprising:
generating a second trigger record for the transaction handler to monitor settlement of the payment.

19. A tangible computer-storage medium storing instructions configured to instruct a computing apparatus having a transaction handler to:
process, by the transaction handler, an authorization request received from an acquirer processor, the authorization request being processed for a payment to be made by an issuer processor on behalf of a user having an account identifier associated with the issuer processor, the acquirer processor to receive the payment on behalf of a merchant;
determine, by the computing apparatus, whether the authorization request satisfies requirements of an offer associated with the account identifier;
if the authorization request satisfies the requirements of the offer associated with the account identifier,
identify, by the computing apparatus, a communication reference associated with the account identifier,
generate, by the computing apparatus, a message regarding a benefit of the offer to be provided to the user upon completion of the payment, and
transmit, from the computing apparatus, the message to the user via the communication reference in real-time with processing of the authorization request;

detect a settlement of the payment corresponding to the authorization request; and
in response to the settlement being detected, provide the benefit to the user;
wherein the settlement of the payment corresponding to the authorization request does not occur in real-time with the processing of the authorization request.

20. A computing apparatus having at least one microprocessor and memory storing instructions configured to instruct the at least one microprocessor to perform operations, the computing apparatus comprising:
a data warehouse configured to store data associating an offer with an account identifier, the offer having a set of requirements;
a transaction handler coupled with the data warehouse and configured to process an authorization request received from an acquirer processor, the authorization request being processed for a payment to be made by an issuer processor on behalf of a user having the account identifier associated with the issuer processor, the acquirer processor to receive the payment on behalf of a merchant;
a message broker coupled with the transaction handler, wherein after the transaction handler determines that the authorization request satisfies the set of requirements of the offer, the message broker identifies a communication reference associated with the account identifier and generates a message regarding a benefit of the offer to be provided to the user upon completion of the payment; and
a media controller coupled with the message broker to transmit the message to the user via the communication reference in real-time with the transaction handler processing the authorization request;
wherein the transaction handler is configured t

Assignees

• Visa Int Service Ass

Inventors

• Yoder Jeanette
• Amaro Leigh
• Hagey Ryan
• Vroom Derek A
• Bankston Michael Steven

Classifications

• G06Q30/0215

  Including financial accounts · CPC title

• G06Q30/0269

  based on user profile or attribute · CPC title

• G06Q30/02 Primary

  Marketing; Price estimation or determination; Fundraising · CPC title

• G06Q30/0222

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

• G06Q20/40

  Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists · CPC title