Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.

Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.

Abstract: In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions to formulate the requirements of an offer campaign. The computing apparatus is configured to store data indicating the completion statuses of the events and process the events, including the scheduled actions, if any, in an atomic way. Thus, the offer rules can be changed on-the-fly during run time execution by the computing apparatus.

Abstract: Predicting the future location of a user based on predicting the route that the user might take is disclosed. The routes used by the user in the past are indexed to generate a dictionary of routes which can be further augmented with contextual data. The prior routes are encoded within the dictionary such that each term representing a respective one of the prior routes comprises a collection of unique identifiers wherein each of the unique identifiers represents a segment of the respective one of the prior routes. Techniques of text prediction, term frequency for dictionary scores and other language processing techniques are used to predict the further route of the user.

Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.

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.

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.

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.

Abstract: In one aspect, a computer implemented method is provided for the provision, on a computing apparatus, of a user interface configured via a portal to permit a merchant to define an offer campaign. The offer has a plurality of milestones required to be met in order to provide a benefit to a user. The computing apparatus may be further configured to associate the offer with a user, detect the progress of the user toward the milestone, and transmit a message to the user regarding the user's progress toward the milestone.

Abstract: A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal.

Abstract: An advertised incentive system receives advertised incentive configuration information provided by a merchant. The advertised incentive configuration information defines the content of advertised incentive banners. The advertised incentive banners are provided as needed to merchants to display on the merchant's website. Advertised incentive registration information is received from an account holder after the account holder interacts with the advertised incentive banner. Transaction information is received that contains a qualified purchase made by the account holder. The advertised incentive registration and the qualified purchase are matched. A statement credit is issued against the account holder's account and a debit is issued against the merchant's account in the amount of the statement credit.

Abstract: In one aspect, a computing apparatus is configured with a configurable, generic, data-driven model, in which properties of social networking sites/applications are stored and used in communicating offer-related messages via social networking sites.

Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.

Abstract: To automate the redemption of offer benefits, data associating offers and payment accounts is stored in the data warehouse of a first transaction handler. If a payment account to which an offer is associated is in the payment processing network of a second transaction handler separate from the first transaction handler, the system uses a payment processor that is in both the payment processing network of the first transaction handler and the payment processing network of the second transaction handler to communicate with the first transaction handler to detect the authorization request in the payment account that satisfies the benefit redemption requirements of the respective offer and apply the offer benefit to the transaction when the authorization request is detected.

Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.

Abstract: A mobile device is configured with a mobile application to direct a user to a location of more interest to the user based on benefits of offers provided to the user. The mobile application may be configured to capture an image of an offer presented in an advertisement via a digital camera, identify the offer from the image, and store data associating the offer with one or more accounts of the user. The mobile application is configured to present information to suggest a direction of travel to the user for improved opportunities to take advantage of the offers.

Abstract: In one embodiment, a system and method is provided to intercept an approval routing at a check-out and before the submission over the legacy routing system and before the starting of associated timers. Data identifying a customer account is routed over a different system for additional functions. Upon completion of the routing over the different system, the customer account data is submitted to the merchant POS to start the legacy approval routing.

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.

Abstract: Embodiments of the present invention are directed to a system and method for determining the products involved in a transaction conducted with a subsidiary user of a payment account, and transmitting messages containing product specific information. Systems may be implemented to transmit product identifiers during payment processing. The product specific information may be included in alert messages sent to an account holder.

Abstract: In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions to formulate the requirements of an offer campaign.