US 2020/0051138 A1Published application

Systems and methods for managing electronic tip data to provide merchant reviews

AssigneeCapital One Services, LLC

InventorsTimur SHERIF, Zviad AZNAURASHVILI, Hannes JOUHIKAINEN, Steve BLANCHET

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Abstract

The disclosed embodiments provide systems, methods, and techniques for managing merchandising cards. A merchandising card may be, for example, a gift card, loyalty card, or the like. Consistent disclosed embodiments, a system for managing merchandising cards may include one or more memory devices storing instructions and one or more processors configured to acquire, from a device over a network, a plurality of locations associated with the device, the device locations being acquired at different instances in time within a predetermined period of time. Additionally, the processor may be configured to calculate a merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the merchant confidence rating, determine that the merchant matches a merchant that is associated with merchandising card, and send a reminder a user of the device.

A system comprising:

one or more memory devices for storing instructions;
and
one or more processors configured to execute instructions to:
in response to receiving information associated with a transaction card of a user used to complete a transaction at a merchant associated with a merchant system:
receive, from the merchant system, authorization data, the authorization data being associated with the transaction and identifying a location associated with the merchant;
and
receive, from the merchant system, posted transaction data, the posted transaction data corresponding to the authorization data;
and
in response to receiving the authorization data and the posted transaction data:
retrieve merchant review data for the merchant;
determine a tip amount associated with the transaction, based on the authorization data and the posted transaction data;
retrieve historical tip data associated with the user, the historical tip data associated with the user comprising historical tip amounts associated with the user;
select at least a portion of the historical tip data associated with the user based on the location;
normalize the selected portion of the historical tip data associated with the user;
retrieve historical tip data associated with other users, the historical tip data associated with the other users comprising historical tip amounts associated with the other users;
select at least a portion of the historical tip data associated with the other users based on the location;
normalize the selected portion of the historical tip data associated with the other users;
determine a user sentiment value for the merchant based on the normalized historical tip data associated with the user and the normalized historical tip data associated with the other users, the user sentiment value representing a user sentiment for the merchant;
modify the merchant review data based on the user sentiment value;
and
provide the merchant review data to a consumer system.

18 more elements

Facts

Application

16/059,014Filed 8 Aug 2018

Published

13 Feb 2020

Term ends

Not estimatedThe source records don’t support an estimate.

Classification11 codes

G06Q 30/0282
Marketing; Price estimation or determination; Fundraising: rating or review of business operators or products
G06Q 20/102
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: bill distribution or payments
G06Q 20/3224
Aspects of commerce using mobile devices [M-devices]: transactions dependent on location of M-devices
G06Q 20/341
Using cards, e.g. integrated circuit [IC] cards or magnetic cards: active cards, i.e. cards including their own processing means, e.g. including…

Abstract

Claims20