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Patent

System for providing instant coupons

TL;DR: In this article, a system for providing an instant coupon to enable a client to purchase a commodity or use a service at a discounted price via a coupon processed in association with information on a card when the client repurchases the commodity or reuses the service.
Abstract: A system for providing an instant coupon is provided to enable a client to purchase a commodity or use a service at a discounted price via a coupon processed in association with information on a card when the client repurchases the commodity or reuses the service. A system for providing an instant coupon comprises a server(100) and a storage medium. The server(100) checks information on a payment tool of a customer and information on a purchased commodity or a used service provided by a payment terminal(135) and generates or extracts a coupon matched with the purchased commodity or the used service. The storage medium associates the information on the coupon, extracted or generated by the server(100), with the information on the payment tool and stores the associated information. The server checks the coupon matched with the commodity or the service prestored at the storage medium and provides the checked coupon for the customer when the customer repurchases the commodity or reuses the service.
Citations
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Patent
Leigh Amaro1, Parag Ladhawala1
15 Mar 2012
TL;DR: In this article, a system and method configured to provide enhanced services based on check-in information obtained in a social network system and transaction location information observed in a payment processing system is presented.
Abstract: A system and method configured to provide enhanced services based on check-in information obtained in a social network system and transaction location information observed in a payment processing system. In one aspect, the transaction location may be used to validate, verify or authenticate the check-in location declared in the social network system. In another aspect, the transaction location can be used as a basis to automate a check-in in the social network system in accordance with a preference of a user. In a further aspect, the transaction location and the check-in location can be correlated to detect inaccurate data, correct the inaccurate data, and/or augment the data in a data warehouse about the locations of transaction terminals.

139 citations

Patent
03 Jun 2011
TL;DR: In this paper, 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.
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.

116 citations

Patent
25 Sep 2009
TL;DR: In this paper, a server computer comprising of a processor and a computer readable medium coupled to the processor is used to receive transaction data and send an electronic notification message to a consumer associated with the primary account number.
Abstract: One embodiment of the invention is directed to a server computer comprising a processor and a computer readable medium coupled to the processor. The computer readable medium comprises code for receiving transaction data indicating that a payment transaction associated with a primary account number has occurred and matches a trigger record, code for determining whether the payment transaction qualifies for a credit, code for initiating a credit to an account associated with the primary account number, if the payment transaction qualifies for a credit, and code for sending an electronic notification message to a consumer associated with the primary account number substantially contemporaneously with receiving the transaction data. The electronic notification message includes information about a first offer and that the primary account was credited the amount of the first offer. For example, transaction data is received indicating that a consumer made a purchase with his credit card. If the purchase was in accordance with a previously sent offer, the consumer's account associated with the credit card is credited and the consumer is immediately notified that the account was credited.

89 citations

Patent
02 Sep 2011
TL;DR: In this article, a computing apparatus is configured to store transaction data recording transactions processed by a transaction handler, and organize third party data according to community, where the third-party data includes first data received from a first plurality of entities of a first community and second data from a second plurality of entity of a second community.
Abstract: In one aspect, a computing apparatus is configured to: store transaction data recording transactions processed by a transaction handler; organize third party data according to community, where the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and responsive to a request from a merchant in the second community, present an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community. In one embodiment, the first data provides permission from the merchant in the first community to allow the merchant in the second community to use intelligence information of the first community to identify users for targeting offers from the merchant in the second community.

82 citations

Patent
Mark Carlson1, Patrick Stan1
18 Jan 2013
TL;DR: In this article, a user interface is provided to present offers via icons displayed near the location of the user on a map, which allow the user to explore available offers, view information associated with the respective offers, and select offers in which to participate.
Abstract: A user interface is provided to present offers via icons displayed near the location of the user on a map. Offers presented on the map may include active offers previously selected by the user and currently associated with the consumer account of the user for active participation, matching offers that have a set of targeting criteria which the user meets, and location-based offers that target locations in the vicinity of the location of the user. Icons for the location-based offers are presented at their respective targeting locations; and the active offers and matching offers are presented around the location of the user on the map for convenient access. A user interface allows the user to explore available offers, view information associated with the respective offers, and select offers in which to participate.

76 citations