Block, Inc.

Square, Inc.

John Ryan Crepezzi

Bruce Bell

Zachary Brock

Technology is disclosed for facilitating and processing cross-merchant promotions. In examples, the disclosed technology comprises identifying a first merchant and a second merchant as complementary merchants based at least in part on first transaction data associated with a plurality of merchants; generating a recommendation for the first and second merchants to participate in a cross-merchant promotion; receiving an indication that the first merchant and the second merchant intend to participate in the cross-merchant promotion; receiving second transaction data for a second transaction of the first merchant; applying the cross-merchant promotion to the second transaction based at least in part on a payment card number offered for payment in the second transaction; processing payment for the second transaction based at least in part on the cross-merchant promotion; and apportioning the payment between the first and second merchant according to an agreement between them.

Cross-merchant promotions

Technology is disclosed for facilitating and processing cross-merchant promotions. In examples, the disclosed technology comprises processing transaction data for a first merchant and a second merchant that includes identifiers for merchant, customer, location, and item; generating a recommendation for the merchants to participate in a cross-merchant promotion based on a determination that they are complementary; facilitating a notification of the promotion to customers; receiving transaction data for another transaction of the first merchant; applying the promotion to the transaction based on a customer transaction history of the customer; processing payment for the transaction; apportioning the payment to the first and second merchant according to an agreement between them; and presenting a notification of application of the promotion on a merchant device.

Geographically targeted, time-based promotions

Technology is disclosed for facilitating generation and processing of a customized promotion based on a set of factors. In some embodiments, the disclosed technology enables a particular merchant to incentivize customer business (e.g., increase customer traffic to a physical merchant location) by offering a customized promotion for placement in a receipt of a transaction with another merchant. The customized promotion, which decreases incrementally in value over time, is generated specifically for a product and/or service offered by the particular merchant. The product and/or service associated with the promotion correlates to a set of factors, including, among others, the customer's spending trend, thereby increasing the likelihood that the customer would redeem the promotion with the particular merchant in a second transaction. In some embodiments, a portion of the payment in the second transaction is distributed to the other merchant, thereby enabling both merchants to benefit from the placement of the promotion.

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Verona, NJ, United States of America

John Ryan Crepezzi