Systems and methods for providing offers using a mobile device

Patent metadata

Field	Value
Publication number	US-10339557-B2
Application number	US-201816196237-A
Country	US
Kind code	B2
Filing date	Nov 20, 2018
Priority date	Sep 22, 2014
Publication date	Jul 2, 2019
Grant date	Jul 2, 2019

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. An offer system, comprising:
a computing system configured to receive over a communication network:
transaction data for at least one prior transaction associated with a user of a wireless device; and
information indicating a current location of the wireless device;

one or more processors configured to execute programmable instructions to:
determine an offer based on the received information indicating the current location of the wireless device and the transaction data for the at least one prior transaction associated with the user of the wireless device,
wherein the offer is redeemable at a merchant location within a predetermined distance of the current location of the wireless device, and
wherein the computing system is further configured to transmit, over the communication network, the determined offer to the wireless device.

2. The system of claim 1 , wherein one or more processors are further configured to provide an application programming interface (API) to a requesting computer system.

3. The system of claim 2 , wherein one or more processors are further configured to receive the transaction data via the API.

4. The system of claim 3 wherein the transaction data includes: a product identifier, a merchant identifier, the current location, and a merchant category code.

5. The system of claim 4 , wherein the one or more processors are further configured to determine the offer satisfying the transaction data.

6. The system of claim 4 , wherein the one or more processors are further configured to map the current location of the wireless device to the merchant category code of the merchant location.

7. The system of claim 1 , further comprising a database storing information for a plurality of merchants.

8. The system of claim 7 , wherein the one or more processors are further configured to identify the offer based on a comparison of the subset of offers from the database.

9. The system of claim 7 , wherein the one or more processors are further configured to communicate with the database to determine the merchant location that is within the predetermined distance of the current location of the wireless device.

10. They system of claim 7 , wherein the one or more processors are further configured to query the database based on the 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.

11. A method comprising:
receiving over a communication network:
transaction data for at least one prior transaction associated with a user of a wireless device; and
information indicating a current location of the wireless device;

determining an offer based on the received information indicating the current location of the wireless device and the transaction data for the at least one prior transaction associated with the user of the wireless device, wherein the offer is redeemable at a merchant location within a predetermined distance of the current location of the wireless device; and
transmitting, over the communication network, the determined offer to the wireless device.

12. The method of claim 11 , wherein transaction data includes: a product identifier, a merchant identifier, the current location, and a merchant category code.

13. The method of claim 12 , further comprising determining the offer satisfying the transaction data.

14. The method of claim 11 , further comprising mapping the current location of the wireless device to the merchant category code of the merchant location.

15. The method of claim 11 , further comprising identifying the offer based on a comparison of the subset of offers.

16. A non-transitory medium storing instructions that, when executed by one or more processors, cause the one or more processors to perform operations comprising:
receiving over a communication network:
transaction data for at least one prior transaction associated with a user of a wireless device; and
information indicating a current location of the wireless device;

determining, an offer based on the received information indicating the current location of the wireless device and the transaction data for the at least one prior transaction associated with the user of the wireless device, wherein the offer is redeemable at a merchant location within a predetermined distance of the current location of the wireless device; and
transmitting, over the communication network, the determined offer to the wireless device.

17. The non-transitory medium of claim 16 , wherein transaction data includes: a product identifier, a merchant identifier, the current location, and a merchant category code.

18. The non-transitory medium of claim 17 , further comprising determining the offer satisfying the transaction data.

19. The non-transitory medium of claim 16 , further comprising mapping the current location of the wireless device to the merchant category code of the merchant location.

20. The non-transitory medium of claim 16 , further comprising identifying the offer based on a comparison of the subset of offers.

Assignees

• Capital One Financial Corp
• Capital One Services Llc

Inventors

• Loomis Daniel

Classifications

• G06Q30/0253

  During e-commerce, i.e. online transactions · CPC title

• G06Q20/3278

  RFID or NFC payments by means of M-devices · CPC title

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title

• G06F16/22

  Indexing; Data structures therefor; Storage structures · CPC title

• G06F16/951

  Indexing; Web crawling techniques · CPC title