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 and/or ineligibility conditions to formulate the requirements of an offer campaign. In one embodiment, the ineligibility of a user, participating in the offer campaign, to meet the requirements of a first event leads to the monitoring of a second event that has a prerequisite condition formulated based on the ineligibility of the user to meet the requirements of the first event; and the second event provides an alternative path within the offer campaign when the user cannot meet the requirements of the first event.

Abstract: In one aspect, a computing apparatus is configured to allow merchants to initiate offers in an offer campaign based on a spending pattern specified by the merchant, such as the lack of transactions in a predetermined period of time of the day, in a recent time period, and/or in a particular merchant category. The offer campaign can be adjusted between offer delivery/announcement and fulfillment for a limited time period. The benefit of a further purchase may be announced via a message scheduled to be transmitted in response to an event identifying the arrival of a particular time instance, in response to a qualification notification of a transaction satisfying the requirements of a purchase event required in the offer campaign, or in response to the detection of a required spending pattern.

Abstract: Embodiments of the invention are directed to methods, systems, and apparatuses for providing digital concierge services through a portable electronic device. The digital concierge may be provided through an application installed on a portable electronic device configured to contact a concierge service, provide filtered and relevant offers, and provide ATM location services for users as they travel. One embodiment is directed to a method comprising determining a location of a portable electronic device, receiving concierge data associated with the user, filtering a plurality of offers according to the location of the portable electronic device and the concierge data associated with the user, sorting the plurality of offers according to their offer data, and presenting the plurality of offers in a layered interactive stack of content that allows a user to recognize the type of offer content and a number of offers in the plurality of offers.

Abstract: Disclosed is a method and system for optimizing an existing customer financial product account database for a financial institution. A customized product segmentation strategy based at least on the financial product account database identifies opportunities to cross-sell new credit and debit products, and increase the usage of credit and debit products among existing customers.

Abstract: Systems and methods configured to use a set of web services to facilitate the management, administration, and fulfillment of account features assigned on the basis of individual payment accounts. The web services include a service configured to query for account features assigned to a specific account, a service configured to query for account features available to a specific account, a service configured to query for disclosure material relevant to an account feature assigned to a specific account, a service configured to submit user acceptance of terms and conditions of an account feature by an account holder of a specific account, and a service configured to request assignment of an account feature to a specific account. The web services allow a third party to build customized applications to manage account features for assignment and fulfillment, based on a set of centralized and secured account feature data.

Abstract: The DYNAMIC PAGE CONTENT AND LAYOUTS APPARATUSES, METHODS AND SYSTEMS (“DPCL”) transform dynamic layout template requests and layout usage monitor packages using DPCL components into customized dynamic layouts. In some implementations, the disclosure provides a processor-implemented method of transforming the content of an electronically generated user facing page for displaying on a user display.

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 processed independently from each other and are linked via prerequisite conditions to formulate the requirements of an offer campaign. In one embodiment, the requirements for the detection of the events are specified based on predetermined types of events, including a first type for an event specified for interaction with a first user when the first user performs an action as a result of a referral from a second user, and a second type for an event specified for interaction with the second user in response to the first user performing the action.

Abstract: In one aspect, an account identifier is associated with a deal purchased by a user from a deal site. The deal has a face value applicable to a transaction with a predetermined merchant, if the transaction satisfies one or more predetermined criteria. The user pays the deal site an amount smaller than the face value. When the account identifier is used at a transaction terminal to initiate a payment transaction, a transaction handler determines whether the payment transaction satisfies the one or more predetermined criteria; and if so, the transaction handler provides the transaction terminal with an authorization response identifying the remaining balance, which is determined by deducting the face value from the payment transaction. The account identifier may be a one-time account number generated specifically for the deal purchased by the user, or an account number of the user used to purchase the deal from the deal site.

Abstract: A computing apparatus is configured to formulate and adjust offers to users of mobile devices that are configured to capture identification information of products, such as UPC codes. The transaction data of the user, the activities of the user capturing the identification information of products, the location of the user, and the user's reactions to the offers are used to incrementally adjust the offers according to offer rules specified by the merchants. The mobile devices can be used to initiate a checkout process for purchasing items identified by the captured identification information of the products from the physical retail store at which the user is currently located, or via an online store associated with an offer presented via the mobile device.

Abstract: A computing apparatus is configured to store an offer provided to a plurality of users. The offer has a set of requirements to be met for a benefit, such as one or more purchase requirements, and a presence requirement formulated based on a time period, a geographic region, and a user limit. A user is determined to meet the presence requirement when the user is identified to be within the geographic region at a time during the time period before the current number of users who meet the presence requirement exceeds the user limit. The computing apparatus is configured to identify users who meet the presence requirement and monitor transactions in the financial payment accounts of such users to identify accounts that satisfy the purchase requirements, and configured to provide the benefit of the offer to the respective accounts that satisfy the set of requirements of the offer.

Abstract: A computing apparatus is configured to use a dynamic questionnaire, designed based on the spending patterns identified in the transaction data of a plurality of accounts, to determine the spending preferences of a user in accordance with the answers to the dynamic questionnaire and the spending patterns. Offers are customized for and targeted to the user based on the spending preferences of the user.

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: A computing apparatus is configured to customize media presentation on a display device positioned in the vicinity of a plurality of seats positioned within an access-controlled seating area. The display device is configured to serve media content to users seated in the seats, based on an aggregated spending profile of the users in the seats. The users occupying the seats may be identified via the tickets purchased using account information of the users, via the users checking into the seating area using the account information of the users or the tickets purchased using the account information of the users, and/or via transactions of the users for purchases made by the users within the area or for in-seat purchases.

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: A computing apparatus is configured to receive, from a transaction handler of a payment network, an authorization request for a payment transaction. The authorization request identifies a full transaction amount, as well as information identifying the merchant and the cardholder involved in the transaction. The computing apparatus is configured to determine the cardholder's eligibility to receive a reward based on information provided in the authorization request, as well as offer information stored in association with the account information of the cardholder. When the cardholder is eligible for a reward, the computing apparatus deducts a reward amount from the transaction amount to authorize a partial amount for the transaction and provides a partial authorization response for the payment transaction. The partial authorization response may optionally include a description of the offer, the reward and/or an identifier of the offer.

Abstract: Systems and methods are provided to generate information indicative of the opportunity to provide offers to affluent account holders, based on transaction data recording the transactions in the accounts of the account holders. The opportunity information may not be indicative of the actual overall spending level of the account holders. The opportunity information is generated based on rankings of the respective accounts based on spending characteristics in a plurality of merchant categories, such as international travel, dining out, specialty retail, etc.

Abstract: A computing apparatus is configured to summarize transaction data via aggregating transactions according to geographical regions (e.g., based on postal codes) for a plurality of merchant categories, normalize the aggregated spending across the merchant categories for each geographical region, rank the regions for each category based on the normalized spending, generate percentile indicators based on the ranking result, and generate spending indices that are proportional to the normalized spending within each category. The spending indices and percentile indicators of a geographical region across the set of merchant categories represent a spending profile of the region. The spending profile is indicative of the spending preferences of the region but does not reveal the actual spending amounts of any individual, family or region. The spending profile can be used in targeted advertising, and in measuring advertisement audience and campaign performance.

Abstract: A system and method configured to use a transaction handler to modify the transaction amount of a transaction between an acquirer processor and an issuer processor, during the processing of the authorization of the transaction, in accordance with an offer that is applicable to the transaction to apply the benefit of the offer to the transaction and to provide information of the offer as applied to the transaction in the authorization response transmitted to the acquirer processor.

Abstract: A computing apparatus is configured to generate a generalized message to report information about an event, such as the processing of an authorization request or a settlement request for a transaction made using a consumer account of a user, to an aggregator, which is configured to further process the generalized message to provide services to the user, such as providing customized notification to the user, providing offers to the user, redeeming coupons or loyalty currency for the user, etc.

Abstract: A system and method includes a transaction handler configured to modify the transaction amount, in the authorization request or the authorization response of a transaction, in accordance with an offer that is applicable to the transaction to apply the benefit of the offer to the transaction.