Patent ID: 11922451
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G  B | IPC B  G

Claim 0:
1. A method of generating an offer in a fuel dispensing environment, the method comprising:
receiving, via a processor over a payment network, a plurality of transactions associated with a single purchase of fuel made by a purchaser at a fuel pump, wherein the fuel is electricity for an electric vehicle and the fuel pump dispenses the electricity;
analyzing, via the processor, characteristics of each of the plurality of transactions, wherein analyzing characteristics of each of the plurality of transactions is performed without interaction with a provider of the fuel and comprises: applying artificial intelligence to determine whether each of the plurality of transactions is a test transaction or an actual transaction that has one or more symbols indicative of an actual purchase amount;
determining, via the processor, the actual purchase amount from one of the plurality of transactions having one or more symbols indicative of the actual purchase amount;
determining, via a loyalty platform in communication with the processor, that the actual purchase amount qualifies fora plurality of real time offers linked to a loyalty program associated with the purchaser, wherein at least one of the plurality of real time offers is from an entity that is different from the provider of the fuel;
determining, via the loyalty platform, an ordered list of the plurality of real time offers using artificial intelligence by analyzing past reward preference patterns of the purchaser such that offers that the purchaser is more likely to select are listed before offers that the purchaser is not likely to select;
sending the ordered list of the plurality of real time offers to a personal device associated with the purchaser for display on a user interface of the personal device; and
receiving, from the user interface of the personal device associated with the purchaser, a selection of one of the plurality of real time offers from the ordered list prior to settlement of the plurality of transactions associated with the single purchase of fuel at the fuel pump;
wherein one of the plurality of real time offers is application of new points based on the actual purchase amount to a loyalty program account of the purchaser; and
wherein one of the plurality of real time offers is application of new points based on a count of qualifying purchases.