Systems and methods for visual representation of offers

A notification device comprising:

• a processor;
• an antenna coupled to the processor;
• and
• a computer readable medium coupled to the processor, the computer readable medium comprising code executable by the processor, the computer readable medium comprising:
• code for receiving an offer targeted to a consumer based on historic payment data that was generated in response to past transactions conducted by the consumer with a plurality of different merchants, the notification device operated by the consumer, wherein the historic payment data includes previous purchases made using a portable consumer device associated with the consumer, wherein the portable consumer device comprises a data space configured to store operating parameters, wherein the data space is one of a secure data space and a physically separate data space, wherein the historic payment data is collected by a payment processing network, and wherein the payment processing network is configured to receive authorization request messages from acquirers associated with the plurality of different merchants, send the authorization request messages to an issuer associated with the consumer, receive authorization response messages from the issuer associated with the consumer, and send authorization response messages to the acquirers associated with the plurality of different merchants, wherein the offer is generated by the payment processing network based on receiving transaction data associated with an account of a consumer, and determining from the transaction data, an occurrence of an event to trigger the offer, the event being a completion of a transaction;
• code for receiving a map comprising a graphical depiction of the offer, which is triggered by the completion of the transaction, and a graphical depiction of a geographic location for redeeming the offer, wherein the geographic location for redeeming the offer was determined by the payment processing network by sending a request to a merchant system for one or more redemption locations affiliated with the merchant after generating the offer, receiving from the merchant system identification data for the one or more redemption locations, determining the geographic location for redeeming the offer using the identification data, selecting a map portion encompassing the geographic location, and modifying the map portion by overlaying an indicator icon identifying the geographic location, wherein the offer is received by the notification device upon detection, by the payment processing network, of a triggering event;
• code for receiving an indication of the plurality of redemption actions available for redeeming the offer;
• code for selecting one of the plurality of redemption actions and sending the selected redemption action to the payment processing network, wherein the payment processing network provides a message to the merchant system for completing the selected redemption action;
• and
• code for receiving, prior to arriving at the geographic location, a confirmation message indicating that the selected redemption action is confirmed by the merchant system.

A system comprising:

• a payment processing network configured to:
• receive transaction data associated with an account of a consumer;
• determine from the transaction data, an occurrence of an event to trigger a targeted offer, the event being a completion of a transaction;
• generate the offer upon detection of the event, the offer targeted to the consumer, wherein the offer is generated using historic payment data that was generated in response to past transactions conducted by the consumer with a plurality of different merchants, wherein the historic payment data includes previous purchases made using a portable consumer device associated with the consumer, wherein the portable consumer device comprises a data space configured to store operating parameters, wherein the data space is one of a secure data space and a physically separate data space, wherein the historic payment data is collected by the payment processing network, and wherein the payment processing network is configured to receive authorization request messages from acquirers associated with the plurality of different merchants, send the authorization request messages to an issuer associated with the consumer, receive authorization response messages from the issuer associated with the consumer, and send authorization response messages to the acquirers associated with the plurality of different merchants;
• determine a geographic location for redeeming the offer by
• sending a request to a merchant system for one or more redemption locations affiliated with the merchant,
• receiving from the merchant system identification data for the one or more redemption locations,
• determining the geographic location for redeeming the offer using the identification data;
• and
• a notification module coupled to the payment processing network, the notification module configured to:
• generate a notification message including the offer, which is triggered the completion of the transaction, and a graphical depiction of the geographic location for redeeming the offer, the graphical depiction of the geographic location generated by
• selecting a map portion encompassing the geographic location, and
• modifying the map portion by overlaying an indicator icon
• identifying the geographic location;
• send the notification message to a notification device operated by the consumer, wherein the graphical depiction of the notification message is displayed on a map on the notification device;
• determine a plurality of redemption actions available for redeeming the offer;
• provide to the notification device an indication of the plurality of redemption actions available;
• receive a selection of one of the plurality of redemption actions;
• provide a message to the merchant system for completing the selected redemption action;
• and
• receive, prior to arrival of the consumer at the geographic location, a confirmation message from the merchant system indicating that the selected redemption action is confirmed.

A non-transitory machine-readable storage medium storing a sequence of instructions, execution of which causes a processor to provide notifications of targeted purchase offers, the execution of the sequence of instructions causes the processor to perform the actions of:

• receiving transaction data associated with an account of a consumer;
• determining, from the transaction data, an occurrence of an event to trigger an offer, the event being a completion of a transaction;
• generating the offer upon detection of the occurrence of the event, the offer targeted to the consumer, wherein the offer is generated using historic payment data that was generated in response to past transactions conducted by the consumer with a plurality of different merchants, wherein the historic payment data includes previous purchases made using a portable consumer device associated with the consumer, wherein the portable consumer device comprises a data space configured to store operating parameters, wherein the data space is one of a secure data space and a physically separate data space, wherein the historic payment data is collected by a payment processing network, and wherein the payment processing network is configured to receive authorization request messages from acquirers associated with the plurality of different merchants, send the authorization request messages to an issuer associated with the consumer, receive authorization response messages from the issuer associated with the consumer, and send authorization response messages to the acquirers associated with the plurality of different merchants;
• determining a geographic location for redeeming the offer by
• sending a request to a merchant system for one or more redemption locations affiliated with a merchant,
• receiving from the merchant system identification data for the one or more redemption locations, and
• determining the geographic location for redeeming the offer using the identification data;
• generating, by the processor, a notification message including the offer, which is triggered the completion of the transaction, and a graphical depiction of the geographic location for redeeming the offer, the graphical depiction of the geographic location generated by
• selecting a map portion encompassing the geographic location, and
• modifying the map portion by overlaying an indicator icon identifying the geographic location;
• and
• sending the notification message to a notification device operated by the consumer, wherein the graphical depiction of the offer is displayed on a map on the notification device;
• determining a plurality of redemption actions available for redeeming the offer;
• providing to the notification device an indication of the plurality of redemption actions available;
• receiving a selection of one of the plurality of redemption actions from the notification device;
• providing a message to the merchant system for completing the selected redemption action;
• and
• receiving, prior to arrival of the consumer at the geographic location, a confirmation message from the merchant system indicating that the selected redemption action is confirmed.