Card Link Filtering for Offer Redemption Tracking
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Solution Overview
Problem
Merchants and offer providers face difficulties in accurately tracking and identifying redeemed offers, especially when consumers transact multiple times without using the purchased offer or when numerous consumers redeem offers, making it challenging to determine which consumers have redeemed purchased offers and when.
Innovation Solution
A system and method that involve receiving offer listings and linking notifications, identifying merchant and consumer identifiers, storing transaction processing rules, and transmitting filtered transaction details to offer providers, using a database, receiving, processing, and transmitting devices to accurately identify and filter payment transactions indicative of offer redemption.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If merchants and offer providers manually track offer redemptions, then they can identify redeemed offers, but it becomes difficult and time-consuming when consumers transact multiple times or when large numbers of consumers redeem offers
Solution Approach 1:
The system performs preliminary actions by establishing transaction processing rules in advance that automatically link consumer identifiers with merchant identifiers and offer identifiers. When a transaction occurs, the pre-configured rules enable immediate automatic identification of offer redemptions without manual tracking, thus improving both accuracy and reducing time loss.
Solution Approach 2:
The patent introduces an intermediary processing system that acts as a mediator between consumers, merchants, and offer providers. This intermediary automatically processes transactions, applies filtering rules, and identifies offer redemptions by matching transaction details against stored rules, eliminating the need for manual tracking and significantly reducing time loss while maintaining high accuracy.
2Loss of information
If all transaction details are transmitted to offer providers, then complete information is available, but data privacy and security concerns arise
Solution Approach 1:
The system extracts only the specific transaction details that are necessary for offer redemption identification and transmission to offer providers, while leaving sensitive consumer information localized. The filtering rules are configured to extract only relevant fields (such as transaction amount, merchant identifier, and offer identifier) rather than transmitting complete transaction datasets, thus maintaining information completeness for tracking purposes while reducing privacy and security risks.
Solution Approach 2:
Different levels of information access are implemented based on local quality principles. The system allows offer providers to receive filtered transaction details sufficient for their tracking needs, while consumer sensitive information remains protected and accessible only where absolutely necessary. This differentiated information distribution maintains operational completeness while minimizing exposure of sensitive data.
3Measurement precision
If a comprehensive tracking system is implemented to monitor all offer redemptions, then accurate identification is achieved, but system complexity increases
Solution Approach 1:
The tracking system is segmented into modular components: offer management modules that handle offer creation and distribution, transaction processing modules that capture and validate transactions, rule management modules that store and apply filtering rules, and reporting modules that generate redemption reports. This segmentation allows each component to perform its function independently with well-defined interfaces, achieving comprehensive tracking accuracy while reducing overall system complexity through modularity and independent operation of each segment.
Data Source
AI summary
A method for providing transaction details for payment transactions indicative of offer redemption includes: receiving an offer listing including at least one merchant offer entry, wherein each entry includes an offer identifier and an indication of a valid merchant with which a corresponding offer for goods or services may be redeemed; receiving an offer linking notification including a consumer identifier and an indication of a selection of an offer corresponding to a specific merchant offer entry by a consumer associated with the consumer identifier; identifying a merchant identifier, wherein the merchant identifier corresponds to the valid merchant indicated in the specific merchant offer entry; storing a transaction processing rule, the rule including the identified merchant identifier and the consumer identifier; and transmitting transaction details for a payment transaction included in an authorization request, wherein the authorization request further includes at least the identified merchant identifier and the consumer identifier.