Patent ID: 11928703
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A computer-implemented method for dynamic promotional offers during user interaction at an automated teller machine (ATM), the method comprising:
receiving, with at least one processor of a transaction service provider system, transaction data associated with a plurality of transactions between a plurality of users and a plurality of merchant point-of-sale terminals during a sample time period;
associating, with at least one processor of the transaction service provider system, based at least partly on the transaction data and using a user classification machine-learning model, each user of the plurality of users with at least one offer group;
generating, with at least one processor of the transaction service provider system, based at least partly on the transaction data, a transaction history profile for each user of the plurality of users comprising a plurality of attributes associated with transactions completed by the user during the sample time period;
receiving, with at least one processor of the transaction service provider system, a request from the ATM for offer-determinative user data, the request comprising an account identifier associated with a payment device of the user of the plurality of users that is interacting with the ATM, wherein the ATM is associated with an acquirer that is separate from an issuer of the payment device, and wherein the transaction service provider system is separate from the acquirer and the issuer;
embedding, with at least one processor of the transaction service provider system, the offer-determinative user data associated with the user in an authorization response message, wherein the authorization response message is based on a transaction request from the user interacting with the ATM, and wherein the offer-determinative user data comprises at least one attribute of the transaction history profile of the user, the at least one attribute comprising at least one of the following: a purchase propensity classification associated with a spend frequency and a spend amount of the user, a usage frequency of the payment device, data of a merchant category favored by the user, an average transaction amount per usage of the payment device, or any combination thereof;
communicating, with at least one processor of the transaction service provider system, the authorization response message to the ATM, wherein the authorization response message is configured to cause the ATM to display at least one offer to the user for acceptance or rejection of the at least one offer at the ATM, and wherein the at least one offer is an offer for the user to purchase a good or service from the at least one third party merchant for a transaction amount; and
in response to an acceptance of the at least one offer by the user:
receiving, with at least one processor of the transaction service provider system, a transaction authorization request from the ATM to debit a transaction account of the user and credit a transaction account of the at least one third party merchant for the transaction amount;
updating, with at least one processor of the transaction service provider system, the user classification machine-learning model based on data associated with the acceptance of the at least one offer, to produce an updated user classification machine-learning model; and
associating, with at least one processor of the transaction service provider system, at least one user of the plurality of users with at least one new offer group in a subsequent time period using the updated user classification machine-learning model.