Patent ID: 8359274

Claim:
A computer-implemented method, comprising: receiving, in a computing apparatus having a transaction handler, an input from a merchant to active a set of offer rules of an offer; generating, by the computing apparatus, a first trigger record in response to the input from the merchant to activate the offer rules; processing, by the transaction handler, an authorization request received from an acquirer processor, the authorization request being processed for a payment to be made by an issuer processor on behalf of a user having an account identifier associated with the issuer processor, the acquirer processor to receive the payment on behalf of a merchant; determining, by the transaction handler, the authorization request matches the first trigger record; in response to a determination that the authorization request matches the first trigger record, generating a second trigger record to detect a settlement of the payment, identifying, by the computing apparatus, a communication reference of the user in accordance with the trigger record, generating, by the computing apparatus, a message regarding a benefit to be provided to the user upon completion of the payment, and transmitting, from the computing apparatus, the message to the user via the communication reference in real-time with the processing of the authorization request; and in response to detection of the settlement of the payment using the second trigger record, providing a benefit of the offer to the user.