Patent ID: 8543468

Claim:
A method, comprising: submitting, by a first merchant to a transaction handler computer, using a computing apparatus, a bid to receive an announcement after at least one criterion of an announcement condition is satisfied, the announcement including data about a consumer, and the at least one criterion including presence of the consumer within a zone, wherein: the bid is submitted within a payment processing system that includes the transaction handler computer, the transaction handler computer is configured to process a plurality of transactions between merchants and consumers, including a first transaction between the first merchant and the consumer, the consumer having a payment account within the payment processing system issued to the consumer by an issuer, and the transaction handler computer is further configured to use transaction information received in an authorization request for a transaction of the consumer with a second merchant to determine if the at least one criterion is satisfied; receiving, from the transaction handler computer, using the computing apparatus, notification that the bid is a winning bid; after the at least one criterion is satisfied, receiving, from the transaction handler computer, using the computing apparatus, the announcement, wherein the announcement includes a name of the consumer and data about the transaction of the consumer with the second merchant; and in response to receiving the announcement from the transaction handler computer: providing, directly from the first merchant, without first sending to the transaction handler computer, a communication to a portable consumer device of the consumer, wherein the communication is personalized for the consumer based on the data about the consumer included in the announcement, and sending a transmission, different from the communication, to the transaction handler computer, wherein the transmission is to be sent by the transaction handler computer to the issuer of the payment account of the consumer.