Payment Card System Aggregating Geo-Targeted Delivery Incentives

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Solution Overview

Problem

Current electronic payment systems face limitations in utilizing transaction data to address merchant delivery eligibility requirements, leading to restricted customer-merchant interactions due to geographical and minimum order constraints, which can result in declined orders and negative customer experiences.

Innovation Solution

An electronic payment card processing system that aggregates transaction data to identify eligible transactions within a predefined geographic area, allowing for dynamic geo-targeted delivery management and merchant incentive notifications, enabling aggregated delivery services and cost sharing among merchants, thereby relaxing delivery eligibility requirements and enhancing customer convenience.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If merchants limit delivery services to a predefined geographic area and minimum order requirements, then delivery costs can be controlled and managed efficiently, but customer convenience deteriorates and orders are declined

Engineering Contradiction:

Improvedelivery cost efficiencyVSAvoidcustomer convenience

Core Design Contradiction:

ProductivityVSEase of operation

Solution Approach 1:

The system combines delivery requests from multiple merchants operating within the same geographic area into a single aggregated delivery. Merchants that individually would not meet minimum order requirements or delivery radius constraints can pool their deliveries together, allowing each merchant to access a broader customer base while sharing delivery costs and resources.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The payment card processing system acts as an intermediary that captures transaction data, identifies eligible merchants and customers within geographic areas, and facilitates the aggregation of delivery requests. The system processes information about delivery eligibility, minimum order requirements, and geographic constraints to match and combine compatible deliveries automatically.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Loss of energy

If merchants turn down orders that do not meet delivery requirements, then delivery cost constraints are maintained, but customer-merchant relationships deteriorate

Engineering Contradiction:

Improvedelivery cost managementVSAvoidcustomer-merchant relationship

Core Design Contradiction:

Loss of energyVSReliability

Solution Approach 1:

The system dynamically changes the effective delivery parameters for participating merchants by aggregating their orders. Instead of each merchant operating with fixed geographic radius and minimum order constraints, the aggregated system creates a larger effective delivery area and higher effective order values, allowing merchants to fulfill orders that would individually be ineligible.

Inventive Principle:

Principle #35Parameter changes

Solution Approach 2:

The system performs preliminary identification of eligible transactions and merchants based on captured payment card data before delivery arrangements are made. By pre-processing transaction information to identify geographic patterns and eligibility criteria, the system can proactively aggregate compatible orders before they are rejected due to individual merchant constraints.

Inventive Principle:

Principle #10Preliminary action

3Device complexity

If transaction data is captured but not utilized for delivery management, then payment processing simplicity is maintained, but delivery eligibility optimization is lost

Engineering Contradiction:

Improvepayment processing simplicityVSAvoiddelivery eligibility optimization

Core Design Contradiction:

Device complexityVSProductivity

Solution Approach 1:

The payment card processing system performs multiple functions: it continues to process payments as before while simultaneously capturing transaction data for delivery aggregation analysis. The same infrastructure that handles payment authorization is also used to identify delivery eligibility patterns, geographic areas, and merchant-customer matching opportunities.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The system uses its own captured transaction data to automatically identify and aggregate delivery opportunities without requiring external input from merchants or customers. The payment processing system itself generates the delivery optimization by analyzing its existing data streams for geographic patterns and eligibility criteria.

Inventive Principle:

Principle #25Self-service

Data Source

PatentUS10769659B2Payment card transaction systems and methods with dynamic geo-targeted, incentive-based transaction and delivery management

Publication Date: 2020.09.08 MASTERCARD INT INC

AI summary

Electronic payment card processing systems and methods include at least one host computing device that accepts transaction data as payment card transactions are made and processed over the multi-party payment processing network. Based on the accepted transaction data, the host computing device identifies a first payment card transaction between a first enrolled cardholder and a first enrolled merchant that includes a delivery of a first good to a location that is within a predefined geographic area including the first enrolled merchant. The host computing device retrieves at least one incentive offer relating to a second enrolled merchant and involving a delivery of a second good within the predefined geographic area, and sends the at least one incentive offer to additional enrolled cardholders within the predefined geographic area.