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

A method for electronically notifying an enrolled cardholder of a location-based merchant incentive offer when a payment card transaction is made between an enrolled cardholder and an enrolled merchant that includes a delivery of a first good to a location within a predefined geographic area, the method implemented by at least one host computing device including at least one processor in communication with a memory device and a payment processing server of a multi-party payment processing network, the payment processing server configured to receive electronic messages formatted in a proprietary communications standard promulgated by the payment processing network for the exchange of financial transaction data between financial institutions that are registered with the payment processing network, the messages including transaction data corresponding to payment card transactions initiated by a plurality of cardholders at a plurality of merchants, the method comprising:

• enrolling cardholders of the plurality of cardholders in a service via communication with a cardholder portal application resident on respective cardholder devices of the plurality of cardholders;
• enrolling merchants of the plurality of merchants in the service via communication with a merchant portal application resident on respective merchant devices of the plurality of merchants;
• monitoring the transaction data in real time as the payment card transactions are made and processed over the multi-party payment processing network;
• from the monitored transaction data, identifying in real time 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;
• in response to identifying the first delivery to the first enrolled cardholder in the predefined geographic area, identifying at least one incentive offer for at least one of the first enrolled cardholder and additional enrolled cardholders, the at least one incentive offer involving a second delivery from a second enrolled merchant, the second delivery including a second good within the predefined geographic area;
• retrieving, from the memory device, at least one incentive offer relating to the second enrolled merchant;
• sending the at least one incentive offer to at least one of the first enrolled cardholder and the additional enrolled cardholders within the predefined geographic area via communication with the cardholder portal application resident on the respective cardholder devices of the at least one of the first enrolled cardholder and the additional enrolled cardholders;
• from the monitored transaction data, identifying in real time a second payment card transaction between a second cardholder from among the at least one of the first enrolled cardholder and the additional enrolled cardholders and the second enrolled merchant, the second payment card transaction being for at least one of an item and a payment amount corresponding to the sent at least one incentive offer, the second payment card transaction evidencing acceptance of the at least one incentive offer by the second cardholder;
• in response to identifying the acceptance of the at least one incentive offer, causing an aggregated delivery of orders from the first and the second enrolled merchants to at least one of the first enrolled cardholder and the additional enrolled cardholders within the predefined geographic area.

A non-transitory computer readable medium that includes computer executable instructions for electronically notifying an enrolled cardholder of a location-based merchant incentive offer when a payment card transaction is made between an enrolled cardholder and an enrolled merchant that includes a delivery of a first good to a location within a predefined geographic area, wherein when executed by at least one host computing device having at least one processor in communication with a memory device and a payment processing server of a multi-party payment processing network, the payment processing server configured to receive electronic messages formatted in a proprietary communications standard promulgated by the payment processing network for the exchange of financial transaction data between financial institutions that are registered with the payment processing network, the messages including transaction data corresponding to payment card transactions initiated by a plurality of cardholders at a plurality of merchants, the computer executable instructions cause the at least one host computing device to:

• enroll cardholders of the plurality of cardholders in a service via communication with a cardholder portal application resident on respective cardholder devices of the plurality of cardholders;
• enroll merchants of the plurality of cardholders in the service via communication with a merchant portal application resident on respective merchant devices of the plurality of merchants;
• monitor the transaction data in real time as the payment card transactions are made and processed over the multi-party payment processing network;
• from the monitored transaction data, identify in real time 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;
• in response to identifying the first delivery to the first enrolled cardholder in the predefined geographic area, identify at least one incentive offer for at least one of the first enrolled cardholder and additional enrolled cardholders, the at least one incentive offer involving a second delivery from a second enrolled merchant, the second delivery including a second good within the predefined geographic area;
• retrieve, from the memory device, at least one incentive offer relating to the second enrolled merchant;
• send the at least one incentive offer to at least one of the first enrolled cardholder and the additional enrolled cardholders within the predefined geographic area via communication with the cardholder portal application resident on the respective cardholder devices of the at least one of the first enrolled cardholder and the additional enrolled cardholders;
• from the monitored transaction data, identify in real time a second payment card transaction between a second cardholder from among the at least one of the first enrolled cardholder and the additional enrolled cardholders and the second enrolled merchant, the second payment card transaction being for at least one of an item and a payment amount corresponding to the sent at least one incentive offer, the second payment card transaction evidencing acceptance of the at least one incentive offer by the second cardholder;
• and
• in response to identifying the acceptance of the at least one incentive offer, cause an aggregated delivery of orders from the first and the second enrolled merchants to at least one of the first enrolled cardholder and the additional enrolled cardholders within the predefined geographic area.