Customer data aggregation
AssigneeSquare, Inc.
InventorCody Rose
Life of this patent
Estimating the term…
Abstract
An aggregating server obtains information about a method of payments by a customer and aggregate all instances of payment by that customer with respect to one or more merchants. That is, the server can associate various methods of payment at a merchant with the same customer (e.g. credit card information, information associated with a digital wallet application payment, device identifier along with geo-fence data, etc.) Thereafter, information at the server regarding frequency of visits, money spent, menu preferences, etc. can also be shared with the merchant in order to provide information for increasing customer satisfaction during further visits by the customer. Also, the server can determine whether the customer qualifies for a loyalty or discount programs based on past visits.
Claims20
A method comprising:
- tracking, by a payment service provider, transactions between a plurality of customers and a plurality of merchants conducted at a plurality of point-of-sale (POS) terminals associated with the plurality of merchants, to create records of transactions;
- receiving, by the payment service provider, a request from a merchant POS terminal of a merchant in association with a current transaction with a customer device, the request including customer identifying information;
- identifying, by the payment service provider, a customer trend for a customer associated with the customer device, the customer trend being identified based on the customer identifying information and the records of transactions;
- determining, by the payment service provider, that the customer trend matches a threshold, wherein the threshold is one or more of a minimum number of visits to the merchant and a minimum number of purchases from the merchant by the customer in association with the current transaction;
- generating, by the payment service provider and based on determining that the customer trend matches the threshold, instructions for at least one incentive to be applied to the current transaction at the POS terminal;
- and
- processing, by the payment service provider, the transaction with one or more of the at least one incentive applied thereto.
A payment service system comprising:
- memory having computer-readable instructions stored therein;
- and
- one or more processors configured to execute the computer-readable instructions to:
- receive, from a first terminal, a request for processing a transaction using the first terminal and a second terminal, the first terminal being associated with a merchant, the second terminal being associated with a customer;
- determine records of past transactions associated with the customer using customer identifying information received as part of the request for processing the transaction, the records of past transactions corresponding to transactions conducted by the customer at a plurality of point-of-sale (POS) devices associated with a plurality of merchants;
- determine a match between the records of past transactions and a threshold, wherein the threshold is one or more of a minimum number of visits to the merchant and a minimum number of purchases from the merchant by the customer in association with the transaction;
- determine at least one sale recommendation to be associated with the transaction based on the match between records of past transactions and the threshold;
- and
- process the transaction based on the at least one sale recommendation.
One or more non-transitory computer-readable media comprising computer-readable instructions, which when executed by one or more processors of a payment service system, cause the one or more processors to:
- receive, from a first terminal, a request for processing a transaction using the first terminal and a second terminal, the first terminal being associated with a merchant, the second terminal being associated with a customer;
- determine records of past transactions associated with the customer using customer identifying information received as part of the request for processing the transaction, the records of past transactions corresponding to transactions conducted by the customer at a plurality of point-of-sale (POS) devices associated with a plurality of merchants;
- determine a match between the records of past transactions and a threshold, wherein the threshold is one or more of a minimum number of visits to the merchant and a minimum number of purchases from the merchant by the customer in association with the transaction;
- determine at least one sale recommendation to be associated with the transaction based on the match between the records of past transactions and the threshold;
- and
- process the transaction based on the at least one sale recommendation.
Dependencies are inferred from the claim text.