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.

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.

Abstract: In one aspect, a computing apparatus is configured to identify a set of users; identify a plurality of triggers, each of which corresponds to a set of one or more conditions which when satisfied by a transaction of a user from the set, as the transaction is being processed by the transaction handler, causes transmission of an advertisement to the user; provide a graphical representation of triggers; and provide data related to the triggers on the graphical representation, in response to user interaction with the graphical representation.

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.

Abstract: In one aspect, a computing apparatus is configured to receive an input specifying a set of users, identify a set of triggers, each of which corresponds to a set of one or more conditions which when satisfied cause transmission of a message to the set of users, rank the triggers based at least in part on transaction data of the users that was recorded by a transaction handler, and generate a ranked list of the triggers based on the ranking.

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.