Collecting and analyzing data for targeted offers

Patent metadata

Field	Value
Publication number	US-10423976-B2
Application number	US-201414584863-A
Country	US
Kind code	B2
Filing date	Dec 29, 2014
Priority date	Dec 29, 2014
Publication date	Sep 24, 2019
Grant date	Sep 24, 2019

Abstract

An application platform configurable for collecting user data associated with a plurality of retail-branded credit cards is provided. The application platform includes a configurable front end comprising a graphical user interface layer that is configurable to a specific one of the plurality of retail-branded credit cards, a backend layer comprising credit card functionality for directly performing credit card transactions associated with a specific one of the plurality of retail-branded credit cards, a data collection layer comprising a data collector for collecting user data associated with the plurality of retail-branded credit cards and an offer provider for providing an offer to a user based on the user data associated with said plurality of retail-branded credit cards.

First claim

The invention claimed is:

1. A non-transitory computer-readable medium storing instructions, the instructions comprising:
an application comprising information for a plurality of retail-branded credit cards, the information comprising:
a different front end graphical user interface layer for each of the plurality of retail-branded credit cards; and
a single backend layer credit card functionality for each of the plurality of retail-branded credit cards; and

one or more instructions that, when executed by one or more processors of a user's mobile device, cause the one or more processors to:
access the application comprising information for a plurality of retail-branded credit cards;
receive a selection of a specific front end graphical user interface layer for a specific retail-branded credit card from the plurality of retail-branded credit cards,
present the specific front end graphical user interface layer of the specific retail-branded credit card on a display of the user's mobile device;
present an animated digital watermark on the display at a same time as the specific front end graphical user interface layer of the specific retail-branded credit card is presented on the display;
determine a touch of the animated digital watermark on the display has occurred;
display a visual message on the display after the touch of the animated digital watermark has occurred,
the visual message to provide evidence that the specific retail-branded credit card on the display is not a fraudulent video capture of the specific retail-branded credit card on the display;

utilize the single backend layer credit card functionality to perform a credit card transaction associated with said specific retail-branded credit card,
the single backend layer credit card functionality to perform the credit card transaction associated with said specific retail-branded credit card only after it is determined that the touch of the animated digital watermark has occurred;

collect user data associated with said plurality of retail-branded credit cards; and
provide an offer to said user of the user's mobile device based on the user data associated with said plurality of retail-branded credit cards after the credit card transaction has been performed.

2. The non-transitory computer-readable medium of claim 1 , where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
send contextual offers to said user based on time or location.

3. The non-transitory computer-readable medium of claim 1 , where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
earn credit card rewards points associated with said user; and
provide, to said user via the display of the user's mobile device, customized offers based on said earned credit card rewards points.

4. The non-transitory computer-readable medium of claim 1 , where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
buy items at a store associated with said specific retail-branded credit card; and
provide, to said user via the display of the user's mobile device, customized offers when said user is physically at said store.

5. The non-transitory computer-readable medium of claim 1 , where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
receive promotions associated with said specific retail-branded credit card.

Assignees

• Comenity Llc

Inventors

• Walz James

Classifications

• G06Q20/327

  Short range or proximity payments by means of M-devices · CPC title

• G06Q30/0235

  constrained by time limit or expiration date · CPC title

• G06Q30/0229

  Multi-merchant loyalty card systems · CPC title

• G06Q30/0224 Primary

  based on user history · CPC title

• G06Q30/0225

  Avoiding frauds · CPC title