Systems and methods for providing offers using a mobile device

Patent metadata

Field	Value
Publication number	US-10019725-B2
Application number	US-201715703745-A
Country	US
Kind code	B2
Filing date	Sep 13, 2017
Priority date	Sep 22, 2014
Publication date	Jul 10, 2018
Grant date	Jul 10, 2018

Abstract

A wireless device is enabled to provide offers. The wireless device receives card data for a financial account card and stores the card data in a memory associated with the wireless device. Responsive to using the card data in a transaction at a first merchant location, the wireless device receives transaction line-item data from a computing system associated with the first merchant location. The wireless device determines merchant information for a second merchant location and determines an offer associated with the second merchant location based on the line-item data and the merchant information for the second merchant. The wireless device presents the offer when the wireless device is near the second merchant location.

First claim

What is claimed is:

1. A remote offer system, comprising:
a communications interface configured to receive over a communication network:
information indicative of prior transaction history associated with a user of a wireless device; and
information indicating a current location of the wireless device;

an offer database storing a plurality of offers associated with an identifier of goods or services redeemable at a merchant location; and
a processor configured to execute programmable instructions to:
determine, responsive to receiving the information indicating the current location of the wireless device, a subset of the offers that is redeemable at a merchant location that is within a predetermined distance of the current location of the wireless device; and
identify, by searching the subset of the offers in the offer database, an applicable offer redeemable at the merchant location within the predetermined distance of the current location of the wireless device, wherein the applicable offer is based on the information indicative of prior transaction history associated with the user of the wireless device;

wherein the communications interface is further configured to transmit, over the communication network, the applicable offer to the wireless device within the predetermined distance.

2. The system of claim 1 , wherein the information indicative of prior transaction history includes transaction line item data comprising at least one of an identifier of goods or services purchased in a prior transaction or an identifier of a merchant associated with the prior transaction.

3. The system of claim 2 , wherein the processor is configured to identify the applicable offer based on a comparison of the subset of offers with the identifier of goods or services purchased in the prior transaction.

4. The system of claim 2 , wherein the processor is configured to identify the applicable offer based on a comparison of the subset of offers with the identifier of a merchant associated with the prior transaction.

5. The system of claim 1 , wherein the processor is configured to determine the merchant location that is within the predetermined distance of the current location of the wireless device based on merchant information received from the wireless device indicating the wireless device is positioned at the merchant location.

6. The system of claim 1 , further comprising:
a location database storing location information for a plurality of merchants, wherein the processor is configured to communicate with the location database to determine the merchant location that is within the predetermined distance of the current location of the wireless device.

7. The system of claim 6 , wherein the processor is configured to query the location database based on GPS data received from the wireless device to determine the merchant location that is within the predetermined distance of the current location of the wireless device.

8. The system of claim 1 , wherein the processor is configured to identify the applicable offer based on a time of day when the wireless device is within the predetermined distance.

9. The system of claim 2 , wherein the transaction line item data is received from a merchant computing system associated with the merchant of the prior transaction.

10. The system of claim 2 , wherein the transaction line item data is received from the wireless device.

11. The system of claim 1 , wherein the processor is further configured to identify the applicable offer responsive to receiving, over the communication network via the communications interface, a request from the wireless device.

12. A non-transitory computer-readable medium storing instructions that, when executed by one or more processors of a wireless device, cause the one or more processors to perform operations comprising:
transmit, over a communication network to a remote computing system:
information indicative of prior transaction history associated with a user of the wireless device; and
information indicating a current location of the wireless device;

receive, from the remote computing system and responsive to when a current location of the wireless device is within a predetermined distance of at least one merchant location, an applicable offer redeemable at a merchant location that is within the predetermined distance of the current location of the wireless device, the applicable offer being determined based on the information indicative of prior transaction history; and
display an indication of the applicable offer, while the wireless device is within the predetermined distance of the merchant location associated with the applicable offer.

13. The non-transitory computer-readable medium of claim 12 , wherein the information indicative of prior transaction history includes transaction line item data comprising at least one of an identifier of goods or services purchased in a prior transaction or an identifier of a merchant associated with the prior transaction.

14. The non-transitory computer-readable medium of claim 13 , wherein the information indicating a current location of the wireless device is based on a wireless signal received by the wireless device from a merchant system.

15. The non-transitory computer-readable medium of claim 14 , wherein the information indicating a current location of the wireless device includes GPS data.

16. The non-transitory computer-readable medium of claim 13 , wherein the transaction line item data is received from a computing system of the merchant associated with the prior transaction, responsive to the user completing the prior transaction.

17. A method comprising:
receiving, from a wireless device over a communication network, information indicative of prior transaction history associated with a user of the wireless device;
receiving information from the wireless device indicating a current location of the wireless device;
determining, responsive to receiving the information indicating the current location of the wireless device, a plurality of offers redeemable at a merchant location that is within a predetermined distance of the current location of the wireless device;
identifying, by comparing the plurality of offers to the information indicative of prior transaction history, an applicable offer redeemable at the merchant location within the predetermined distance of the current location of the wireless device; and
transmitting the applicable offer to the wireless device within the predetermined distance.

18. The method of claim 17 , wherein the information indicative of prior transaction history includes transaction line item data comprising at least one of an identifier of goods or services purchased in a prior transaction or an identifier of a merchant associated with the prior transaction.

19. The method of claim 17 , further comprising determining the merchant location that is within the predetermined distance of the current location of the wireless device based on merchant information received from the wireless device indicating the wireless device is positioned at the merchant location.

20. The method of claim 17 , further comprising identifying the applicable offer based on a time of day when the wireless device is within the predetermined distance.

Assignees

• Capital One Financial Corp

Inventors

• Loomis Daniel

Classifications

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title

• G06Q30/0261

  based on user location · CPC title

• G06Q30/0224

  based on user history · CPC title

• G06Q30/0207

  Discounts or incentives, e.g. coupons or rebates · CPC title

• G06F16/22

  Indexing; Data structures therefor; Storage structures · CPC title