Systems and methods for issuing, evaluating, and monitoring card-linked offers

Abstract

Methods and systems are disclosed for issuing, evaluating, and monitoring offers and incentives linked to various consumer financial accounts. Financial service account providers, merchants, card-linked offer providers, and/or service providers may collect transaction information relating to the redemption of card-linked offers. From the data, informative metrics may be determined relating to the offer, its redemption rate, and the consumers who redeemed it. The metrics may be used to evaluate the relative success of the offer, and can trigger revenue sharing processes derived from the offer. In certain aspects, incentive offers may be modified based on the metrics. In further embodiments, the metrics may also be used to determine a metric score that provides further information about the card-linked offer campaign.

1 .- 20 . (canceled) 
     
     
         21 . A service provider system comprising:
 one or more processors configured execute instructions to:
 receive, from an offer provider system, first information comprising:
 an original incentive offer displayed as a notification on a mobile device operated by a first consumer belonging to a first demographic group, and 
 first transaction information associated with a merchant device when the first consumer accepts the original incentive offer; 
 
 determine a first plurality of incentive offer metrics based on the first transaction information, the incentive offer metrics reflecting a performance of the incentive offer relative to predetermined criteria; 
 provide the plurality of incentive offer metrics to the offer provider system; 
 receive, from the offer provider system, second information comprising:
 a modified incentive offer for a second demographic group based on the first plurality of incentive offer metrics, wherein at least one parameter of the modified incentive offer is altered as compared to the original incentive offer, and 
 second transaction information from the merchant device when a second consumer accepts the modified incentive offer; 
 
 determine a second plurality of incentive offer metrics based on the second transaction information; 
 send, to the offer provider system, the second plurality of incentive offer metrics; 
 compare the first plurality of incentive offer metrics associated with the original incentive offer and the second plurality of incentive offer metrics associated with the modified incentive offer to a predetermined condition; and 
 modify an amount of revenue shared with other entities based on the comparison. 
   
     
     
         22 . A service provider system of  claim 21 , wherein the one or more processors is further configured execute the instructions to:
 calculate a first incentive offer metric score based on the first plurality of incentive offer metrics; and   generate report data reflecting an assessment of the performance of the original incentive offer based on the first incentive offer metric score.   
     
     
         23 . A service provider system of  claim 21 , wherein the one or more processors is further configured execute the instructions to:
 calculate at least one of the first plurality of incentive offer metrics or the second plurality of incentive offer metrics; and   wherein the calculation of the at least one of the first plurality of incentive offer metrics or the second plurality of incentive offer metrics comprises calculating a cost per card swipe metric based on customer discount, a number of at least one of original incentive offers or modified incentive offers redeemed, total fees paid to service providers, and a total number of at least one of original incentive offers or modified incentive offers redeemed during a defined time period.   
     
     
         24 . A service provider system of  claim 21 , wherein the one or more processors is further configured execute the instructions to:
 calculate at least one of the first plurality of incentive offer metrics or the second plurality of incentive offer metrics; and   wherein the calculation of the at least one of the first plurality of incentive offer metrics or the second plurality of incentive offer metrics comprises calculating a cost per pre-promotion sales metric based on customer discount, a number of at least one of original incentive offers or modified incentive offers redeemed, total fees paid to service providers, and a total price of products where at least one of original incentive offers or modified incentive offers were redeemed.   
     
     
         25 . A service provider system of  claim 21 , wherein the one or more processors is further configured execute the instructions to:
 calculate at least one of the first plurality of incentive offer metrics or the second plurality of incentive offer metrics; and   wherein the calculation of the at least one of the first plurality of incentive offer metrics or the second plurality of incentive offer metrics comprises calculating a cost per product metric based on the ratio customer discount, a number of at least one of original incentive offers or modified incentive offers redeemed, total fees paid to service providers, and a total number of products where at least one of original incentive offers or modified incentive offers were redeemed.   
     
     
         26 . A service provider system of  claim 21 , wherein the one or more processors is further configured execute the instructions to:
 calculate at least one of the first plurality of incentive offer metrics or the second plurality of incentive offer metrics; and   wherein the calculation of the at least one of the first plurality of incentive offer metrics or the second plurality of incentive offer metrics comprises calculating a cost per new customer metric based on customer discount, a number of at least one of original incentive offers or modified incentive offers redeemed, total fees paid to service providers, and a number of consumers who purchased products for the first time where at least one of original incentive offers or modified incentive offers were redeemed.   
     
     
         27 . A service provider system of  claim 21 , wherein the one or more processors is further configured execute the instructions to:
 calculate at least one of the first plurality of incentive offer metrics or the second plurality of incentive offer metrics; and   wherein the calculation of the at least one of the first plurality of incentive offer metrics or the second plurality of incentive offer metrics comprises calculating a cost per loyal customer metric based on customer discount, a number of at least one of original incentive offers or modified incentive offers redeemed, total fees paid to service providers, and a number of consumers who purchased the products where at least one of original incentive offers or modified incentive offers were redeemed more than once during a defined time period.   
     
     
         28 . A service provider system of  claim 21 , wherein the one or more processors is further configured execute the instructions to:
 calculate at least one of the first plurality of incentive offer metrics or the second plurality of incentive offer metrics; and   wherein the calculation of the at least one of the first plurality of incentive offer metrics or the second plurality of incentive offer metrics comprises calculating a cost per new loyal customer metric based on customer discount, a number of at least one of original incentive offers or modified incentive offers redeemed, total fees paid to service providers, and a number of consumers who purchased the products associated with at least one of original incentive offers or modified incentive offers for the first time and more than once during a defined time period.   
     
     
         29 . A service provider system of  claim 21 , wherein the one or more processors is further configured execute the instructions to calculate at least one of the first plurality of incentive offer metrics or the second plurality of incentive offer metrics based on customer demographic information selected from the group consisting of geographic data, income data, behavior, common interest information, and age. 
     
     
         30 . A service provider system of  claim 21 , wherein the one or more processors is further configured execute the instructions to calculate at least one of the first plurality of incentive offer metrics or the second plurality of incentive offer metrics based on market segment information selected from the group consisting of merchant size and merchant type. 
     
     
         31 . A service provider system of  claim 21 , wherein the one or more processors is further configured execute the instructions to:
 calculate at least one of the first plurality of incentive offer metrics or the second plurality of incentive offer metrics; and   calculating at least one of the first plurality of incentive offer metrics or the second plurality of incentive offer metrics further comprises filtering out confounding variables.   
     
     
         32 . A service provider system of  claim 21 , wherein the modification of the amount of revenue shared with other entities based on the comparison comprises increasing an amount of revenue shared with the other entities for at least one of the original incentive offer or the modified incentive offer when at least one of the first plurality of incentive offer metrics or the second plurality of incentive offer metrics exceeds than the predetermined condition. 
     
     
         33 . A service provider system of  claim 21 , wherein the modification of the amount of revenue shared with other entities based on the comparison comprises reducing an amount of revenue shared with the other entities for at least one of the original incentive offer or the modified incentive offer when at least one of the first plurality of incentive offer metrics or the second plurality of incentive offer metrics is less than the predetermined condition. 
     
     
         34 . A service provider system of  claim 32 , wherein the one or more processors is further configured execute the instructions to execute the instruction to notify the other entities of the revenue increase. 
     
     
         35 . A service provider system of  claim 33 , wherein the one or more processors is further configured execute the instructions to notify the other entities of the revenue increase. 
     
     
         36 . A service provider system of  claim 21 , wherein the one or more processors is further configured execute the instructions to:
 calculate a first incentive offer metric score based on the first plurality of incentive offer metrics calculated,
 wherein calculating the first incentive offer metric score comprises weighting each of the first plurality of incentive offer metrics, and aggregating the weighted first plurality of incentive offer metrics; and 
   calculate a second incentive offer metric score based on the second plurality of incentive offer metrics calculated,
 wherein calculating the second incentive offer metric score comprises weighting each of the second plurality of incentive offer metrics, and aggregating the weighted second plurality of incentive offer metrics. 
   
     
     
         37 . A service provider system of  claim 21 , wherein the one or more processors is further configured execute the instructions to notify at least one of the original incentive offer or the modified incentive offer as a notification to a mobile device. 
     
     
         38 . A service provider system of  claim 37 , wherein at least one of the notification for the original incentive offer or the modified incentive offer is sent as an SMS message or a mobile application notification. 
     
     
         39 . A method for a service provider system, comprising:
 receiving, from an offer provider system, first information including:
 an original incentive offer displayed as a notification on a mobile device operated by a first consumer belonging to a first demographic group, and 
 first transaction information associated with a merchant device when the first consumer accepts the original incentive offer; 
   determining a first plurality of incentive offer metrics based on the first transaction information, the incentive offer metrics reflecting a performance of the incentive offer relative to predetermined criteria;   providing the plurality of incentive offer metrics to the offer provider system;   receiving, from the offer provider system, second information including:
 a modified incentive offer for a second demographic group based on the first plurality of incentive offer metrics, wherein at least one parameter of the modified incentive offer is altered as compared to the original incentive offer, and 
 second transaction information from the merchant device when a second consumer accepts the modified incentive offer; 
   determining a second plurality of incentive offer metrics based on the second transaction information;   sending, to the offer provider system, the second plurality of incentive offer metrics;   comparing the first plurality of incentive offer metrics associated with the original incentive offer and the second plurality of incentive offer metrics associated with the modified incentive offer to a predetermined condition; and   modifying an amount of revenue shared with other entities based on the comparison.   
     
     
         40 . A non-transient computer-readable medium storing instructions that, when executed, perform a method for a service provider system, the method comprising:
 receiving, from an offer provider system, first information including:
 an original incentive offer displayed as a notification on a mobile device operated by a first consumer belonging to a first demographic group, and 
 first transaction information associated with a merchant device when the first consumer accepts the original incentive offer; 
   determining a first plurality of incentive offer metrics based on the first transaction information, the incentive offer metrics reflecting a performance of the incentive offer relative to predetermined criteria;   providing the plurality of incentive offer metrics to the offer provider system;   receiving, from the offer provider system, second information including:
 a modified incentive offer for a second demographic group based on the first plurality of incentive offer metrics, wherein at least one parameter of the modified incentive offer is altered as compared to the original incentive offer, and 
 second transaction information from the merchant device when a second consumer accepts the modified incentive offer; 
   determining a second plurality of incentive offer metrics based on the second transaction information;   sending, to the offer provider system, the second plurality of incentive offer metrics;   comparing the first plurality of incentive offer metrics associated with the original incentive offer and the second plurality of incentive offer metrics associated with the modified incentive offer to a predetermined condition; and   modifying an amount of revenue shared with other entities based on the comparison.