System for incenting account holder transaction with merchant donation

Abstract

Methods and systems for generating alerts or recommend incentives for a loyalty program that provides incentives to cardholders in connection with transactions between the cardholders and merchants are disclosed. A merchant is identified. Transaction data reflective of completed transactions are received by way of a network. The transaction data is processed to generate an alert notifying the identified merchant of an event or trend, or to generate a recommended incentive that defines a benefit to be provided by the identified merchant to a cardholder upon the occurrence of an anticipated transaction.

1 . A system comprising:
 means for receiving transaction data for each of a plurality of completed transactions;   for each said completed transaction:
 means for processing the received transaction data to identify at least one account holder attribute; 
 means for identifying a merchant; 
 means for identifying at least one account holder; 
 means for identifying an anticipated transaction between the merchant and the at least one account holder; 
   and   means for generating, using a neural network of an artificial intelligence engine, an incentive for the identified at least one account holder based on the at least one account holder attribute, wherein:
 the incentive defines a benefit to be provided by the identified merchant to the identified at least one account holder upon the occurrence of the anticipated transaction; and 
 the benefit is that the merchant of the anticipated transaction has agreed to make a donation to an entity designated by the identified at least one account holder upon the occurrence of the anticipated transaction at:
 a predetermined time of day; and 
 a predetermined geographic location. 
 
   
     
     
         2 . The system as defined in  claim 1 , wherein the anticipated transaction is identified based on the identified at least one account holder attribute. 
     
     
         3 . The system as defined in  claim 2 , wherein the at least one account holder attribute is based on criteria selected from the group consisting of:
 a “Bank Identification Number” (BIN) range;   demographics of the account holder;   the completed transaction and the merchant; and   preferences of the identified at least one account holder, wherein the at least one account holder is identified based on the preferences.   
     
     
         4 . The system as defined in  claim 2 , wherein:
 the at least one account holder attribute is based on a transaction history of the identified at least one account holder; and   the transaction history identifies purchases of goods and services, and merchants the goods and services were purchased from.   
     
     
         5 . The system as defined in  claim 1 , further comprising means for generating an alert to notify the identified merchant of an identified event or trend. 
     
     
         6 . The system as defined in  claim 5 , wherein the identified event is selected from the group consisting of:
 a particular time of day; and   a particular day of week.   
     
     
         7 . The system as defined in  claim 1 , further comprising means, for the identified at least one account holder, for electronically transmits to a logical address corresponding to the identified at least one account holder an alert of the benefit. 
     
     
         8 . A system comprising:
 hardware executing software to:
 receive transaction data for a plurality of completed transactions; and 
 for each said completed transaction:
 process the received transaction data to identify at least one account holder attribute; 
 identify:
 a merchant; 
 at least one account holder; 
 and 
 an anticipated transaction between the merchant and the at least one account holder; 
 
 
 and 
 generate, using a neural network of an artificial intelligence engine, an incentive for the identified at least one account holder based on the at least one account holder attribute, wherein:
 the defines a benefit to be provided by the identified merchant to the identified at least one account holder upon the occurrence of the anticipated transaction; and 
 the benefit is that the merchant of the anticipated transaction has agreed to make a donation to an entity designated by the identified at least one account holder upon the occurrence of the anticipated transaction at:
 a predetermined time of day; and 
 a predetermined geographic location. 
 
 
   
     
     
         9 . The system as defined in  claim 8 , wherein the hardware executing the software generates an alert to notify the identified merchant of an identified event or trend. 
     
     
         10 . The system as defined in  claim 9 , wherein the identified event is selected from the group consisting of:
 a particular time of day; and   a particular day of week.   
     
     
         11 . The system as defined in  claim 8 , wherein the anticipated transaction is identified based on the identified at least one account holder attribute. 
     
     
         12 . The system as defined in  claim 11 , wherein the at least one account holder attribute is based on criteria selected from the group consisting of:
 a “Bank Identification Number” (BIN) range;   the completed transaction and the merchant;   demographics of the account holder; and   preferences of the identified at least one account holder, wherein the at least one account holder is identified based on the preferences.   
     
     
         13 . The system as defined in  claim 11 , wherein:
 the at least one account holder attribute is based on a transaction history of the identified at least one account holder; and   the transaction history identifies purchases of goods and services, and merchants the goods and services were purchased from.   
     
     
         14 . The system as defined in  claim 8 , wherein the hardware executing the software, for the identified at least one account holder, electronically transmits to a logical address corresponding to the identified at least one account holder an alert of the benefit. 
     
     
         15 . A non-transitory computer-readable medium or media storing computer instructions which when executed by at least one computer processor causes the at least one computer processor to:
 receive transaction data for each of a plurality of completed transactions; and for each said completed transaction:
 process the received transaction data to identify at least one account holder attribute; 
 identify a merchant; 
 identify at least one account holder; 
 identify an anticipated transaction between the merchant and the at least one account holder; and 
 generate, using a neural network of an artificial intelligence engine, an incentive for the identified at least one account holder based on the at least one account holder attribute, wherein:
 the incentive defines a benefit to be provided by the identified merchant to the identified at least one account holder upon the occurrence of the anticipated transaction; and 
 the benefit is that the merchant of the anticipated transaction has agreed to make a donation to an entity designated by the identified at least one account holder upon the occurrence of the anticipated transaction at:
 a predetermined time of day; and 
 a predetermined geographic location; 
 
 
   
     
     
         16 . The non-transitory computer-readable medium or media storing computer instructions as defined in  claim 15 , wherein the instructions are further executable at the at least one computer processor to generate an alert to notify the identified merchant of an identified event or trend. 
     
     
         17 . The non-transitory computer-readable medium or media storing computer instructions as defined in  claim 16 , wherein the identified event is selected from the group consisting of:
 a particular time of day; and   a particular day of week.   
     
     
         18 . The non-transitory computer-readable medium or media storing computer instructions as defined in  claim 15 , wherein the anticipated transaction is identified based on the identified at least one account holder attribute. 
     
     
         19 . The non-transitory computer-readable medium or media storing computer instructions as defined in  claim 18 , wherein the at least one account holder attribute is based on criteria selected from the group consisting of:
 a “Bank Identification Number” (BIN) range;   the completed transaction and the merchant; demographics of the account holder; and   preferences of the identified at least one account holder, wherein the at least one account holder is identified based on the preferences.   
     
     
         20 . The non-transitory computer-readable medium or media storing computer instructions as defined in  claim 15 , wherein:
 the at least one account holder attribute is based on a transaction history of the identified at least one account holder; and   the transaction history identifies:
 purchases of goods and services; and 
 the merchants from which the goods and services were purchased.