Patent Grant
10419379
At least some embodiments of the present disclosure relate to programming a computing device to process data via a graphical user interface in general, and more particularly, but not limited to, programming via workflows identified using a graphical user interface.
A modern computing apparatus can be programmed to process complex operations in response to related events, such as transmitting a message in response to an event under certain conditions.
However, programming a computing device generally requires skills in computer programming; and designing a computer program requires domain knowledge in the area of the application of the computing device. It is a time consuming process to design a program, request programmers to code the program, and employ testers to test the coded program, before the coded program can be launched for services.
When the requirements of an application of the computing device change, or a different application is requested, the time and labor intensive operations need to be repeated to program the computing device.
The embodiments are illustrated by way of example and not limitation in the figures of the accompanying drawings in which like references indicate similar elements.
At least one embodiment disclosed in the present application provides techniques to use a graphical user interface to configure workflows of preprogrammed autonomous components that can operate independently from each other and thus configure a computing device to process related events without a need for a programmer to write a code to implement the processing logic.
The system in
After the workflow input (123) is received in the graphical user interface (229) presented via the workflow manager (201) and the portal (143), the data warehouse (149) stores the data defining the workflow (221) of the event managers (231, . . . , 233).
The system in
Each of the event managers (231, . . . , 233) is configured as an autonomous component that processes a predetermined type of events independent of other event managers (231, . . . , 233). Different event managers (231, . . . , 233) processes different types of events.
Each of the event managers (231, . . . , 233) is generally configured to receive input from the message board (200) and provide processing results that may be used by other event managers on the message board (200) and/or the data warehouse (149) as the execution data (225).
In
In
In some embodiments, at least some of the event managers (231, . . . , 233) have other input/output channels different from the data warehouse (149) and the message board (200). The additional input/output channels are configured to meet the specific needs of the respective event managers (231, . . . , 233) and are generally not use for communications among the event managers (231, . . . , 233).
In
For example, in response to an event that has the event input (227), the workflow manager (201) identifies the relevant workflow (221), generates a message identifying the workflow (221) and the event input, and posts the message on the message board (200). The event managers (231, . . . , 233) are configured to periodically check the message board (200) for messages that are relevant to respective event managers (231, . . . , 233). One or more of the event managers (231, . . . , 233) determine that the message generated by the workflow manager (201) needs processing by the one or more of the event managers (231, . . . , 233), retrieve the message, process the message, generate one or more result messages in accordance with the workflow (221), and post the result messages on the message board. The result messages identifying the workflow (221), the processing stage of the workflow (221), and/or the results generated by the respective event managers (e.g., 231, . . . , 233). The result messages are retrieved by relevant event managers according to the workflow (221) for further processing, until the completion of the workflow (221).
Thus, in
The arrangement in
Using the system of
The techniques of
For example, transaction data, such as records of transactions made via credit accounts, debit accounts, prepaid accounts, bank accounts, stored value accounts and the like, can be processed to optionally provide information for various services, such as reporting, benchmarking, advertising, content or offer selection, customization, personalization, prioritization, offer redemption, loyalty benefit provisioning and/or redemption, etc.
To improve privacy protections, users may be required to enroll in a service program and provide consent to allow the system to use related transaction data and/or other data for the related services, and the system is configured to provide the services while protecting the privacy of the users in accordance with the enrollment agreement and user consent.
For example, based on the transaction data, an advertising network in one embodiment is provided to present personalized or targeted advertisements/offers on behalf of advertisers. A computing apparatus of, or associated with, the transaction handler uses the transaction data and/or other data, such as account data, merchant data, search data, social networking data, web data, etc., to develop intelligence information about individual customers, or certain types or groups of customers. The intelligence information can be used to select, identify, generate, adjust, prioritize, and/or personalize advertisements/offers to the customers. Some examples of targeted offer delivery are provided in U.S. Pat. No. 8,606,630, entitled “Systems and Methods to Deliver Targeted Advertisements to Audience”, the entire disclosure of which is hereby incorporated herein by reference.
For example, the computing apparatus can be configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication references of the users associated with the identified authorization requests, and use the communication references to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests. Details in one embodiment regarding the generation and delivery of messages in real-time with the processing of transactions are provided in the section entitled “REAL-TIME MESSAGES”, and U.S. Pat. Nos. 8,359,274 and 8,407,148, both entitled “Systems and Methods to Provide Messages in Real-Time with Transaction Processing”, the entire disclosures of which are hereby incorporated herein by reference.
For example, the computing apparatus can be programmable for real-time interaction with users to provide messages and/or offers, validate fulfillment conditions, and provide benefits to qualified users to fulfill the offers. In one embodiment, the computing apparatus is configured to be programmed via accepting definitions of independent events and linking the events via prerequisite requirements to specify qualification conditions. The linked events form a flow or network of events; and user progress in the flow or network of events is tracked. The operations for each event are performed in an atomic way to allow the user positions in the flow or network of events to be identified as being in between adjacent events in the network. As a result, the programming of the real-time interaction, including the offer rules and messages, can be easily modified during the execution of the programming. Details in one embodiment regarding the formulation and management of real-time interaction are provided in U.S. Pat. App. Pub. No. 2012/0078697, entitled “Systems and Methods to Program Operations for Interaction with Users”, the entire disclosure of which application is hereby incorporated herein by reference.
In one embodiment, the computing apparatus can be configured to include a set of autonomous components coupled together via a messaging system and a workflow for an offer or loyalty program. The processing of different offers or loyalty programs can be programmed via customizing the workflows of the autonomous components and their configuration parameters. When a transaction that may be relevant to an offer or loyalty program is detected, the data about the transaction and other relevant data, including the workflow of the offer or loyalty program and the processing results of relevant components, can be posted on the messaging system for further processing according to the workflow. Thus, the computing apparatus can support the rapid development and deployment of offers or loyalty programs having different structures and rules.
Using a system as illustrated in
For example, different offers and loyalty programs may have different structures with different processing requirements in response to payment transactions.
For example, the processing of some offers and loyalty programs may involve the notification of transaction information to an offer provider for further processing.
For example, the processing of some offers and loyalty programs may involve the notification of transaction information to an offer provider for the determination of benefits and applying benefits to transactions in response to the response from the offer provider.
For example, the processing of some offers and loyalty programs may involve the provisioning of benefits of the programs, settling the cost of the benefits, and provide notifications to the users receiving the benefits.
For example, the processing of some offers and loyalty programs may involve delivering of offers and/or the management of the user enrollments, but others many not.
For example, the processing of some offers and loyalty programs may involve the inline application of benefits during the authorization of a payment transaction based on predetermined redemption requirements, but may or may not involve notifications to users.
Using the techniques illustrated in
As illustrated in
In
In
In
In
In
In
In
In one embodiment, the workflow (221) specifies the processing follow by a set of autonomous components configured in the system, such as an enrollment manager (205), a transaction manager (211), a clearing manager (213), a fulfillment manager (215), a discount manager (217), an event manager (207), a notification manager (209), a merchant manager (219), etc.
In one embodiment, each of the autonomous components is configured to process available data independent of other autonomous components and/or the operation sequences of the components.
In
In
In one embodiment, after a payment transaction is identified by the transaction handler (103) in accordance with a trigger record (197), the data manager (203) identifies the action specified in the trigger record (197) as being related to the offer (186) and generates a data object that contains the data of payment transaction as being processed by the transaction handler, data identifying the offer (186) including the workflow (221), and relevant context data for the processing of offer (186) and/or the action identified in the trigger record (197).
In one embodiment, the data manager (203) is configured to make the data object available to the autonomous components, such as the transaction manager (211), the clearing manager (213), the fulfillment manager (215), the discount manager (217), the event manager (207), the notification manager (209), the merchant manager (219), etc., and post a message on the message board (200) to allow the autonomous components to further process the transaction using the data object and in accordance with the workflow (221) identified in the data object.
In one embodiment, each of the autonomous components is configured to watch the message board (200) to detect messages that require their services. When a message on the message board (200) requires the service of a respective autonomous component, the respective autonomous component retrieves the message, performs operations in view of the associated data object, updates the data object with results if there is any, and posts a resulting message on the message board (200), which may cause an autonomous component to render its service in accordance with the workflow (221).
In one embodiment, the event manager (207) is configured to store offer metadata, event rules and actions, location repository data, event history of the user in complex event processing, etc. The event manager (207) is further configured to validate, get/set offer metadata, event rules and actions (e.g., by calling downstream systems for action validation), location data, etc.
In one embodiment, the notification manager (209) is configured to store notification templates. User contact details (e.g., communication reference (195) may be stored in user enrollment record (e.g., 223). In one embodiment, the notification system defines what details are required and workflow manager (201) enforces the requirements. The notification manager (209) is configured to process realtime message requests, validate template including substitution of variables, and send messages via proper media channels.
For example, the notification manager (209) may be called by the event manager (207) to validate that a notification template can be assigned to an event based on the event data.
In one embodiment, the transaction manager (211) is configured to coordinate with the transaction handler (103) for the authorization of the payment transaction in view of the data object.
In one embodiment, the clearing manager (213) is configured to coordinate with the transaction handler (103) for the clearing of the payment transaction in view of the data object.
In one embodiment, the fulfillment manager (215) is configured to store/manage the credit balance and other fulfillment data, such as receipt message template, etc. For example, the fulfillment manager (215) may include an application programming interface (API) to manually issue statement credits, and/or an API to update credit balance.
In one embodiment, the discount manager (217) is configured to store discount templates, listen to enrollment and update discount records for the transaction handler (103) as appropriate, register discount trigger templates with the transaction handler (103), and/or maintain a discount timeout queue for discount timeouts.
In one embodiment, the merchant manager (219) is configured to communicate with an API and/or a user interface to manage merchants.
In
In one embodiment, the computing apparatus is implemented using at least one data processing system, as illustrated in
For example, in one embodiment, each of the autonomous components (e.g., event managers (231, . . . , 233)) is implemented on one or more dedicated computers that are not shared with computers used to implement other autonomous components (e.g., event managers (231, . . . , 233)). In another embodiment, each of the autonomous components (e.g., event managers (231, . . . , 233)) is implemented as a virtual machine in a cluster of computers connected via a local area network, where the cluster of computers may be shared for the implementation of different autonomous components (e.g., event managers (231, . . . , 233)).
In one embodiment, the graphical user interface (229) is provided via the portal (143) coupled with the data warehouse (149) and implemented in a system illustrated in
The user interface (301) illustrated in
In one embodiment, each of the predefined workflow templates has predefined processing flows and partner relationships. The user may choose to use the predefined processing flows and partner relationships, or modify the template to generate a custom workflow.
In one embodiment, each of the predefined community templates has a predetermined workflow for a selected set of autonomous components, such as the enrollment manager (205), the transaction manager (211), the clearing manager (213), the fulfillment manager (215), the discount manager (217), the event manager (207), the notification manager (209), etc. illustrated in
In one embodiment, a custom workflow can be created via a design of the structure and processing flow of the autonomous components selected for the offer or loyalty component.
In one embodiment, different workflows correspond to different templates of offer communities of different structures. The structure differences are reflected in the differences in workflows, e.g., how the processing flow goes from one autonomous components to another.
Different offers or loyalty programs can also be configured using the same workflow template having the same processing flow but different configuration parameters for different offers or loyalty programs.
In one embodiment, after the user selects one of the icons (303, 307) in the user interface (301) shown in
For example, if the user selects an icon (303) representing a pre-configured workflow, the user interface (311) initially presents the pre-selected set of component icons (317) in the panel (315) with the flow lines (319) illustrating the pre-configured flow directions. The icons of the components not selected in the pre-configured workflow are presented in a separate panel (313).
If the user selects the icon (307) representing a custom workflow, the user interface (311) initially presents no component icons (317) in the panel (315). The icons of all components available for selection into the panel (315) are presented in the panel (313).
In the user interface (311) illustrated in
In the user interface (311) illustrated in
In some embodiments, some of the components may not necessarily be connected to other components via flow lines. Such components may process relevant events without the prerequisite of the result of other components.
In one embodiment, each of the icons (317) presented in the panel (315) in
In some embodiments, a custom workflow having a unique flow structure as defined in the panel (315) can be saved as a template, represented in the user interface (303) as a template icon (303).
In some embodiments, when a template workflow (e.g., represented by the icon (303)) is selected in a configuration wizard, the wizard presents the configuration interfaces for the components used in the workflow, one after another, to configure the components.
In one embodiment, the cursor (305) can be used to select an icon (319) in the panel (315) to invoke a user interface (321) (e.g., via double-click, right-click, select to highlight and apply a menu option to configure options) in a way as illustrated in
In
For example, the user interface (311) illustrated in
Some of the components selected in the workflow panel (315), such as the enrollment manager (205), the discount manager (217), the fulfillment manager (215), can be used in the workflow without connections with others. Such components are used when appropriate trigger conditions are satisfied, without requiring invoking other components to process the results these components.
Some of the components selected in the workflow panel (315), such as the transaction manager (219), the clearing manager (213), and the notification manager (209), are connected in the workflow via flow lines (319). In the connected part of the workflow, a subsequent component (e.g., the clearing manager (213), the notification manager (209)) is invoked to process the result of the prior component (e.g., the transaction manager (211)).
In some embodiments, the user interface (311) of
For example, the icon of the event manager (207) can be selected from the icon panel (313) into the workflow panel (315) in
The collection of autonomous components in a relationship represented by the workflow connections (and/or the lack of the workflow connections among some of them) represents the processing workflow (221) of the offer community. Data representing the processing workflow (221) is stored as the data warehouse (149) for the offer (186) corresponding to the offer community that may involve a participating merchant, a population of enrolled customers, one or more issuers, loyalty providers, etc.
In one embodiment, web services provided by the autonomous components can also be used via selecting and configuring the individual components displayed in the workflow panel (315) in
In one embodiment, the exported WSDL file providing the configurations of the web services specifies the web communication protocols between the component and a web application of the user such that when the web application is implemented in accordance with the WSDL file, the component can communicate correctly with the web application of the user of the graphical user interface (229).
For example, the option configuration interface (311) for the event manager (207) can be configured to the selection of exposed services from a set (323) of available services, such as saveOffer, saveOfferMetadata, saveEvent, cancelEvent, updateEvent.
After the selection, creation, and/or customization of a workflow template and the global parameters for an offer or loyalty program, a configuration wizard can be used to lead the user to configure the options or settings of the individual components used in the workflow to create a workflow for the offer or loyalty program.
In one embodiment, a wizard is configured to walk the user though setting up a loyalty community and allows the user to customize settings for the community and enable advanced system features. In another embodiment, the user may customize the individual components via inspecting individual components selected in the workflow panel (315).
For example,
In some embodiments, the user interface may provide a user interface element selected to present the source code for the configuration of the variables substitution, which provides a more flexible user interface for advanced configuration of the notification manager (209) that generates notification messages for the offer/loyalty program.
For example, the enrollment communication may require variable substitutions for fields, such as FirstName, LastName, BilllingZip, City, State of the enrollee.
In
In one embodiment, a user interface for the configuration of notification manager (209) allows the selection of options to export services via SMS, email, and/or service notification.
If the offer community is configured to provide offer benefits via statement credits,
If the offer community is configured to provide benefit that can be redeemed while the transaction is being processed at the transaction terminal, a similar user interface is presented for the configuration of the use of services, such as saveDiscountTemplate, and activateDiscount.
If the offer community is configured to involve event manager (207), a user interface is presented for the configuration of the use of relevant services, such as saveOffer, saveOfferMetaData, saveEvent, cancel Event, and updateEvent.
In one embodiment, after the user finishes configuring the offer community, a user interface is presented to offer the user exporting the configured web services into a Web Service Definition Language (WSDL) file.
In one embodiment, the configuration of the community identifies a set of web services of the portal (143) and/or the media controller for communication with partners (e.g., issuers, merchants, benefit sponsors). The exported configuration of the web services in a Web Service Definition Language (WSDL) allows the partners to configure their computing systems for communication with the portal (143) and/or the media controller.
In one embodiment, the event managers (231, . . . , 233) include at least a transaction manager (211) configured to process the transaction data from a transaction handler of an electronic payment processing network, as illustrated in
In one embodiment, a data warehouse (149) as illustrated in
In
For example, the system as described above can be used to provide a user-friendly interface to accommodate changing requirements of offer campaigns and/or loyalty programs. The friendly user interface allows inputs to design, specify, and/or modify a loyalty program via a graphical user interface and generate data to configure processing of transactions relevant to the loyalty program, without the need for programmers to write computer codes. The graphical user interface is configured to collect user input regarding parameters and options of the loyalty program, select a workflow template, modify the workflow to define the processing of the loyalty program within RTM, and specify parameters for the workflow. As a result, new loyalty programs may be quickly implemented and/or modified for improvements.
Transaction Processing and Data
In
In
The accumulated transaction data (109) and the corresponding account data (111) are used to generate intelligence information about the purchase behavior, pattern, preference, tendency, frequency, trend, amount and/or propensity of the users, as individuals or as a member of a group. The intelligence information can then be used to generate, identify and/or select targeted advertisements for presentation to the user on the point of interaction, during a transaction, after a transaction, or when other opportunities arise.
In
The account identification device (141) of one embodiment is a plastic card having a magnetic strip storing account information (142) identifying the consumer account (146) and/or the issuer processor (145). Alternatively, the account identification device (141) is a smartcard having an integrated circuit chip storing at least the account information (142). The account identification device (141) may optionally include a mobile phone having an integrated smartcard.
The account information (142) may be printed or embossed on the account identification device (141). The account information (142) may be printed as a bar code to allow the transaction terminal (105) to read the information via an optical scanner. The account information (142) may be stored in a memory of the account identification device (141) and configured to be read via wireless, contactless communications, such as near field communications via magnetic field coupling, infrared communications, or radio frequency communications. Alternatively, the transaction terminal (105) may require contact with the account identification device (141) to read the account information (142) (e.g., by reading the magnetic strip of a card with a magnetic strip reader).
The transaction terminal (105) is configured to transmit an authorization request message to the acquirer processor (147). The authorization request includes the account information (142), an amount of payment, and information about the merchant (e.g., an indication of the merchant account (148)). The acquirer processor (147) requests the transaction handler (103) to process the authorization request, based on the account information (142) received in the transaction terminal (105). The transaction handler (103) routes the authorization request to the issuer processor (145) and may process and respond to the authorization request when the issuer processor (145) is not available. The issuer processor (145) determines whether to authorize the transaction based at least in part on a balance of the consumer account (146).
The transaction handler (103), the issuer processor (145), and the acquirer processor (147) may each include a subsystem to identify the risk in the transaction and may reject the transaction based on the risk assessment.
The account identification device (141) may include security features to prevent unauthorized uses of the consumer account (146), such as a logo to show the authenticity of the account identification device (141), encryption to protect the account information (142), etc.
The transaction terminal (105) of one embodiment is configured to interact with the account identification device (141) to obtain the account information (142) that identifies the consumer account (146) and/or the issuer processor (145). The transaction terminal (105) communicates with the acquirer processor (147) that controls the merchant account (148) of a merchant. The transaction terminal (105) may communicate with the acquirer processor (147) via a data communication connection, such as a telephone connection, an Internet connection, etc. The acquirer processor (147) is to collect payments into the merchant account (148) on behalf of the merchant.
In one embodiment, the transaction terminal (105) is a POS terminal at a traditional, offline, “brick and mortar” retail store. In another embodiment, the transaction terminal (105) is an online server that receives account information (142) of the consumer account (146) from the user through a web connection. In one embodiment, the user may provide account information (142) through a telephone call, via verbal communications with a representative of the merchant; and the representative enters the account information (142) into the transaction terminal (105) to initiate the transaction.
In one embodiment, the account information (142) can be entered directly into the transaction terminal (105) to make payment from the consumer account (146), without having to physically present the account identification device (141). When a transaction is initiated without physically presenting an account identification device (141), the transaction is classified as a “card-not-present” (CNP) transaction.
In general, the issuer processor (145) may control more than one consumer account (146); the acquirer processor (147) may control more than one merchant account (148); and the transaction handler (103) is connected between a plurality of issuer processors (e.g., 145) and a plurality of acquirer processors (e.g., 147). An entity (e.g., bank) may operate both an issuer processor (145) and an acquirer processor (147).
In one embodiment, the transaction handler (103), the issuer processor (145), the acquirer processor (147), the transaction terminal (105), the portal (143), and other devices and/or services accessing the portal (143) are connected via communications networks, such as local area networks, cellular telecommunications networks, wireless wide area networks, wireless local area networks, an intranet, and Internet. Dedicated communication channels may be used between the transaction handler (103) and the issuer processor (145), between the transaction handler (103) and the acquirer processor (147), and/or between the portal (143) and the transaction handler (103).
In
Typically, the transaction handler (103) is implemented using a powerful computer, or cluster of computers functioning as a unit, controlled by instructions stored on a computer readable medium. The transaction handler (103) is configured to support and deliver authorization services, exception file services, and clearing and settlement services. The transaction handler (103) has a subsystem to process authorization requests and another subsystem to perform clearing and settlement services. The transaction handler (103) is configured to process different types of transactions, such credit card transactions, debit card transactions, prepaid card transactions, and other types of commercial transactions. The transaction handler (103) interconnects the issuer processors (e.g., 145) and the acquirer processor (e.g., 147) to facilitate payment communications.
In
In
The transaction terminal (105) may submit a transaction directly for settlement, without having to separately submit an authorization request.
In one embodiment, the portal (143) provides a user interface to allow the user to organize the transactions in one or more consumer accounts (146) of the user with one or more issuers. The user may organize the transactions using information and/or categories identified in the transaction records, such as merchant category, transaction date, amount, etc. Examples and techniques in one embodiment are provided in U.S. Pat. App. Pub. No. 2007/0055597, and entitled “Method and System for Manipulating Purchase Information,” the disclosure of which is hereby incorporated herein by reference.
In one embodiment, the portal (143) provides transaction based statistics, such as indicators for retail spending monitoring, indicators for merchant benchmarking, industry/market segmentation, indicators of spending patterns, etc. Further examples can be found in U.S. Pat. App. Pub. No. 2009/0048884, and entitled “Merchant Benchmarking Tool,” the disclosure of which application is hereby incorporated herein by reference.
Transaction Terminal
In one embodiment, the transaction terminal (105) includes a memory (167) coupled to the processor (151), which controls the operations of a reader (163), an input device (153), an output device (165) and a network interface (161). The memory (167) may store instructions for the processor (151) and/or data, such as an identification that is associated with the merchant account (148).
In one embodiment, the reader (163) includes a magnetic strip reader. In another embodiment, the reader (163) includes a contactless reader, such as a radio frequency identification (RFID) reader, a near field communications (NFC) device configured to read data via magnetic field coupling (in accordance with ISO standard 14443/NFC), a Bluetooth transceiver, a WiFi transceiver, an infrared transceiver, a laser scanner, etc.
In one embodiment, the input device (153) includes key buttons that can be used to enter the account information (142) directly into the transaction terminal (105) without the physical presence of the account identification device (141). The input device (153) can be configured to provide further information to initiate a transaction, such as a personal identification number (PIN), password, zip code, etc. that may be used to access the account identification device (141), or in combination with the account information (142) obtained from the account identification device (141).
In one embodiment, the output device (165) may include a display, a speaker, and/or a printer to present information, such as the result of an authorization request, a receipt for the transaction, an advertisement, etc.
In one embodiment, the network interface (161) is configured to communicate with the acquirer processor (147) via a telephone connection, an Internet connection, or a dedicated data communication channel.
In one embodiment, the instructions stored in the memory (167) are configured at least to cause the transaction terminal (105) to send an authorization request message to the acquirer processor (147) to initiate a transaction. The transaction terminal (105) may or may not send a separate request for the clearing and settling of the transaction. The instructions stored in the memory (167) are also configured to cause the transaction terminal (105) to perform other types of functions discussed in this description.
In one embodiment, a transaction terminal (105) may have fewer components than those illustrated in
In one embodiment, a transaction terminal (105) may have more components than those illustrated in
Account Identification Device
In one embodiment, the account identification device (141) includes a memory (167) coupled to the processor (151), which controls the operations of a communication device (159), an input device (153), an audio device (157) and a display device (155). The memory (167) may store instructions for the processor (151) and/or data, such as the account information (142) associated with the consumer account (146).
In one embodiment, the account information (142) includes an identifier identifying the issuer (and thus the issuer processor (145)) among a plurality of issuers, and an identifier identifying the consumer account among a plurality of consumer accounts controlled by the issuer processor (145). The account information (142) may include an expiration date of the account identification device (141), the name of the consumer holding the consumer account (146), and/or an identifier identifying the account identification device (141) among a plurality of account identification devices associated with the consumer account (146).
In one embodiment, the account information (142) may further include a loyalty program account number, accumulated rewards of the consumer in the loyalty program, an address of the consumer, a balance of the consumer account (146), transit information (e.g., a subway or train pass), access information (e.g., access badges), and/or consumer information (e.g., name, date of birth), etc.
In one embodiment, the memory includes a nonvolatile memory, such as magnetic strip, a memory chip, a flash memory, a Read Only Memory (ROM), etc. to store the account information (142).
In one embodiment, the information stored in the memory (167) of the account identification device (141) may also be in the form of data tracks that are traditionally associated with credits cards. Such tracks include Track 1 and Track 2. Track 1 (“International Air Transport Association”) stores more information than Track 2, and contains the cardholder's name as well as the account number and other discretionary data. Track 1 is sometimes used by airlines when securing reservations with a credit card. Track 2 (“American Banking Association”) is currently most commonly used and is read by ATMs and credit card checkers. The ABA (American Banking Association) designed the specifications of Track 1 and banks abide by it. It contains the cardholder's account number, encrypted PIN, and other discretionary data.
In one embodiment, the communication device (159) includes a semiconductor chip to implement a transceiver for communication with the reader (163) and an antenna to provide and/or receive wireless signals.
In one embodiment, the communication device (159) is configured to communicate with the reader (163). The communication device (159) may include a transmitter to transmit the account information (142) via wireless transmissions, such as radio frequency signals, magnetic coupling, or infrared, Bluetooth or WiFi signals, etc.
In one embodiment, the account identification device (141) is in the form of a mobile phone, personal digital assistant (PDA), etc. The input device (153) can be used to provide input to the processor (151) to control the operation of the account identification device (141); and the audio device (157) and the display device (155) may present status information and/or other information, such as advertisements or offers. The account identification device (141) may include further components that are not shown in
In one embodiment, the communication device (159) may access the account information (142) stored on the memory (167) without going through the processor (151).
In one embodiment, the account identification device (141) has fewer components than those illustrated in
For example, in one embodiment, an account identification device (141) is in the form of a debit card, a credit card, a smartcard, or a consumer device that has optional features such as magnetic strips, or smartcards.
An example of an account identification device (141) is a magnetic strip attached to a plastic substrate in the form of a card. The magnetic strip is used as the memory (167) of the account identification device (141) to provide the account information (142). Consumer information, such as account number, expiration date, and consumer name may be printed or embossed on the card. A semiconductor chip implementing the memory (167) and the communication device (159) may also be embedded in the plastic card to provide account information (142) in one embodiment. In one embodiment, the account identification device (141) has the semiconductor chip but not the magnetic strip.
In one embodiment, the account identification device (141) is integrated with a security device, such as an access card, a radio frequency identification (RFID) tag, a security card, a transponder, etc.
In one embodiment, the account identification device (141) is a handheld and compact device. In one embodiment, the account identification device (141) has a size suitable to be placed in a wallet or pocket of the consumer.
Some examples of an account identification device (141) include a credit card, a debit card, a stored value device, a payment card, a gift card, a smartcard, a smart media card, a payroll card, a health care card, a wrist band, a keychain device, a supermarket discount card, a transponder, and a machine readable medium containing account information (142).
Hardware
In one embodiment, a computing apparatus is configured to include some of the components of systems illustrated in various figures, such as the transaction handler (103), the portal (143), the event managers (231, . . . , 233), and their associated storage devices, such as the data warehouse (149).
In one embodiment, at least some of the components illustrated in
Further, the data illustrated in the figures, such as transaction data (109), account data (111), transaction profiles, and advertisement data, can be stored in storage devices of one or more computers accessible to the corresponding components. For example, the transaction data (109) can be stored in the data warehouse (149) that can be implemented as a data processing system illustrated in
In one embodiment, the transaction handler (103) is a payment processing system, or a payment card processor, such as a card processor for credit cards, debit cards, etc.
In
In one embodiment, the inter-connect (171) interconnects the microprocessor(s) (173) and the memory (167) together and also interconnects them to input/output (I/O) device(s) (175) via I/O controller(s) (177). I/O devices (175) may include a display device and/or peripheral devices, such as mice, keyboards, modems, network interfaces, printers, scanners, video cameras and other devices known in the art. In one embodiment, when the data processing system is a server system, some of the I/O devices (175), such as printers, scanners, mice, and/or keyboards, are optional.
In one embodiment, the inter-connect (171) includes one or more buses connected to one another through various bridges, controllers and/or adapters. In one embodiment the I/O controllers (177) include a USB (Universal Serial Bus) adapter for controlling USB peripherals, and/or an IEEE-1394 bus adapter for controlling IEEE-1394 peripherals.
In one embodiment, the memory (167) includes one or more of: ROM (Read Only Memory), volatile RAM (Random Access Memory), and non-volatile memory, such as hard drive, flash memory, etc.
Volatile RAM is typically implemented as dynamic RAM (DRAM) which requires power continually in order to refresh or maintain the data in the memory. Non-volatile memory is typically a magnetic hard drive, a magnetic optical drive, an optical drive (e.g., a DVD RAM), or other type of memory system which maintains data even after power is removed from the system. The non-volatile memory may also be a random access memory.
The non-volatile memory can be a local device coupled directly to the rest of the components in the data processing system. A non-volatile memory that is remote from the system, such as a network storage device coupled to the data processing system through a network interface such as a modem or Ethernet interface, can also be used.
In this description, some functions and operations are described as being performed by or caused by software code to simplify description. However, such expressions are also used to specify that the functions result from execution of the code/instructions by a processor, such as a microprocessor.
Alternatively, or in combination, the functions and operations as described here can be implemented using special purpose circuitry, with or without software instructions, such as using Application-Specific Integrated Circuit (ASIC) or Field-Programmable Gate Array (FPGA). Embodiments can be implemented using hardwired circuitry without software instructions, or in combination with software instructions. Thus, the techniques are limited neither to any specific combination of hardware circuitry and software, nor to any particular source for the instructions executed by the data processing system.
While one embodiment can be implemented in fully functioning computers and computer systems, various embodiments are capable of being distributed as a computing product in a variety of forms and are capable of being applied regardless of the particular type of machine or computer-readable media used to actually effect the distribution.
At least some aspects disclosed can be embodied, at least in part, in software. That is, the techniques may be carried out in a computer system or other data processing system in response to its processor, such as a microprocessor, executing sequences of instructions contained in a memory, such as ROM, volatile RAM, non-volatile memory, cache or a remote storage device.
Routines executed to implement the embodiments may be implemented as part of an operating system or a specific application, component, program, object, module or sequence of instructions referred to as “computer programs.” The computer programs typically include one or more instructions set at various times in various memory and storage devices in a computer, and that, when read and executed by one or more processors in a computer, cause the computer to perform operations necessary to execute elements involving the various aspects.
A machine readable medium can be used to store software and data which when executed by a data processing system causes the system to perform various methods. The executable software and data may be stored in various places including for example ROM, volatile RAM, non-volatile memory and/or cache. Portions of this software and/or data may be stored in any one of these storage devices. Further, the data and instructions can be obtained from centralized servers or peer to peer networks. Different portions of the data and instructions can be obtained from different centralized servers and/or peer to peer networks at different times and in different communication sessions or in a same communication session. The data and instructions can be obtained in entirety prior to the execution of the applications. Alternatively, portions of the data and instructions can be obtained dynamically, just in time, when needed for execution. Thus, it is not required that the data and instructions be on a machine readable medium in entirety at a particular instance of time.
Examples of computer-readable media include but are not limited to recordable and non-recordable type media such as volatile and non-volatile memory devices, read only memory (ROM), random access memory (RAM), flash memory devices, floppy and other removable disks, magnetic disk storage media, optical storage media (e.g., Compact Disk Read-Only Memory (CD ROMS), Digital Versatile Disks (DVDs), etc.), among others. The computer-readable media may store the instructions.
The instructions may also be embodied in digital and analog communication links for electrical, optical, acoustical or other forms of propagated signals, such as carrier waves, infrared signals, digital signals, etc. However, propagated signals, such as carrier waves, infrared signals, digital signals, etc. are not tangible machine readable medium and are not configured to store instructions.
In general, a machine readable medium includes any mechanism that provides (i.e., stores and/or transmits) information in a form accessible by a machine (e.g., a computer, network device, personal digital assistant, manufacturing tool, any device with a set of one or more processors, etc.).
In various embodiments, hardwired circuitry may be used in combination with software instructions to implement the techniques. Thus, the techniques are neither limited to any specific combination of hardware circuitry and software nor to any particular source for the instructions executed by the data processing system.
Other Aspects
The description and drawings are illustrative and are not to be construed as limiting. The present disclosure is illustrative of inventive features to enable a person skilled in the art to make and use the techniques. Various features, as described herein, should be used in compliance with all current and future rules, laws and regulations related to privacy, security, permission, consent, authorization, and others. Numerous specific details are described to provide a thorough understanding. However, in certain instances, well known or conventional details are not described in order to avoid obscuring the description. References to one or an embodiment in the present disclosure are not necessarily references to the same embodiment; and, such references mean at least one.
The use of headings herein is merely provided for ease of reference, and shall not be interpreted in any way to limit this disclosure or the following claims.
Reference to “one embodiment” or “an embodiment” means that a particular feature, structure, or characteristic described in connection with the embodiment is included in at least one embodiment of the disclosure. The appearances of the phrase “in one embodiment” in various places in the specification are not necessarily all referring to the same embodiment, and are not necessarily all referring to separate or alternative embodiments mutually exclusive of other embodiments. Moreover, various features are described which may be exhibited by one embodiment and not by others. Similarly, various requirements are described which may be requirements for one embodiment but not other embodiments. Unless excluded by explicit description and/or apparent incompatibility, any combination of various features described in this description is also included here. For example, the features described above in connection with “in one embodiment” or “in some embodiments” can be all optionally included in one implementation, except where the dependency of certain features on other features, as apparent from the description, may limit the options of excluding selected features from the implementation, and incompatibility of certain features with other features, as apparent from the description, may limit the options of including selected features together in the implementation.
The disclosures of the above discussed patent documents are hereby incorporated herein by reference.
In the foregoing specification, the disclosure has been described with reference to specific exemplary embodiments thereof. It will be evident that various modifications may be made thereto without departing from the broader spirit and scope as set forth in the following claims. The specification and drawings are, accordingly, to be regarded in an illustrative sense rather than a restrictive sense.
The present application claims priority to Prov. U.S. Pat. App. Ser. No. 61/976,418, filed Apr. 7, 2014, the entire disclosure of which is hereby incorporated herein by reference. The present application relates to Prov. U.S. Pat. App. Ser. No. 61/970,177, filed Mar. 25, 2014 and entitled “Systems and Methods to Dynamically Configure Message and Transaction Processing for Loyalty Programs”, U.S. Pat. No. 8,359,274, U.S. Pat. App. Pub. No. 2011/0087530, U.S. Pat. App. Pub. No. 2012/0078697, U.S. Pat. App. Pub. No. 2012/0072997, the disclosures of which are hereby incorporated herein by reference.
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