Patent ID: 9659325
Date: 2017-05-23
CPC Classifications: G06Q

Claim:
1. A method, comprising: receiving, using a computing apparatus, a bid from a first computing device of a first merchant to receive an electronic announcement after at least one criterion of an announcement condition is satisfied, the electronic announcement including data about a consumer, and the at least one criterion including presence of the consumer within a zone, wherein the first computing device comprises a first database including resource data about resources of the first merchant; sending, to the first computing device and using the computing apparatus, electronic notification that the bid is a winning bid; receiving, from the first computing device, the resource data, wherein the resource data is automatically transmitted by the first computing device; storing, in a second database, the resource data; storing, in the second database, prior transaction information about prior transactions between the consumer and the first merchant; collecting real-time transaction data associated with transactions occurring in an electronic payment processing system, the transactions including a first transaction of the consumer; determining that the at least one criterion is satisfied, the determining comprising comparing each of the resource data, the real-time transaction data for the first transaction, and the prior transaction information to the at least one criterion, and the comparing comprising accessing the resource data and prior transaction information in the second database; and in response to the determining that the at least one criterion is satisfied, sending, to the first computing device and using the computing apparatus, the electronic announcement, wherein the electronic announcement is sent so that the first computing device can communicate with a second computing device of the consumer while the consumer is present within the zone, wherein the first merchant is to directly provide, without first sending to a transaction handler computer, a communication to the second computing device of the consumer, and wherein the communication is personalized for the consumer based on data about the consumer included in the electronic announcement.