Systems and methods to formulate offers via mobile devices and transaction data

Patent metadata

Field	Value
Publication number	US-10902473-B2
Application number	US-201816143977-A
Country	US
Kind code	B2
Filing date	Sep 27, 2018
Priority date	Jan 23, 2012
Publication date	Jan 26, 2021
Grant date	Jan 26, 2021

Abstract

A computing apparatus is configured to formulate and adjust offers to users of mobile devices that are configured to capture identification information of products, such as UPC codes. The transaction data of the user, the activities of the user capturing the identification information of products, the location of the user, and the user's reactions to the offers are used to incrementally adjust the offers according to offer rules specified by the merchants. The mobile devices can be used to initiate a checkout process for purchasing items identified by the captured identification information of the products from the physical retail store at which the user is currently located, or via an online store associated with an offer presented via the mobile device.

First claim

What is claimed is:

1. A computer-implemented method for mobile device offer formation, comprising:
determining, with a mobile device positioned in a retail location of a merchant, identification information of a product disposed in the retail location, wherein the identification information of the product is determined by:
scanning, with the mobile device, a barcode associated with the product; and
accessing, with the mobile device, a product database to identify the identification information based on the barcode;

receiving, with the mobile device from a remote server, a list of offers from a plurality of merchants for the product;
displaying, with the mobile device, the list of offers to a user of the mobile device;
detecting, with the mobile device, input from the user associated with the list of offers, wherein the user input comprises a rejection of at least one offer of the list of offers;
determining, with an artificial intelligence engine, a likelihood that the user will buy the product if the at least one offer is improved;
receiving, with the mobile device, at least one adjusted offer based on the location of the mobile device, wherein the at least one adjusted offer is generated in response to determining the likelihood that the user will buy the product, wherein the location of the mobile device is determined to have left the retail location, and wherein the at least one adjusted offer is received in response to the mobile device leaving the retail location; and
displaying, with the mobile device, the at least one adjusted offer.

2. The method of claim 1 , further comprising scanning, with the mobile device, a plurality of barcodes associated with a plurality of other products, wherein the list of offers is based at least partially on a number or type of scans.

3. The method of claim 1 , wherein the input from the user comprises a purchase of the product from another merchant of the plurality of merchants.

4. A system for mobile device offer formation, comprising a mobile device including at least one processor and a display device, the at least one processor programmed or configured to:
determine identification information of a product disposed in a retail location of a merchant while the mobile device is positioned in the retail location, wherein the identification information of the product is determined by:
scanning, with the mobile device, a barcode associated with the product; and
accessing, with the mobile device, a product database to identify the identification information based on the barcode;

receive, from a remote server, a list of offers from a plurality of merchants for the product;
display, on the display device, the list of offers to a user of the mobile device;
detect input from the user associated with the list of offers, wherein the user input comprises a rejection of at least one offer of the list of offers;
determine, with an artificial intelligence engine, a likelihood that the user will buy the product if the at least one offer is improved;
receive at least one adjusted offer based on the location of the mobile device, wherein the at least one adjusted offer is generated in response to determining the likelihood that the user will buy the product, wherein the location of the mobile device is determined to have left the retail location, and wherein the at least one adjusted offer is received in response to the mobile device leaving the retail location; and
display, on the display device, the at least one adjusted offer.

5. The system of claim 4 , wherein the at least one processor is further programmed or configured to scan a plurality of barcodes associated with a plurality of other products, wherein the list of offers is based at least partially on a number or type of scans.

6. The system of claim 4 , wherein the input from the user comprises a purchase of the product from another merchant of the plurality of merchants.

7. A computer program product for mobile device offer formation, comprising at least one non-transitory computer-readable medium including program instructions that, when executed by at least one processor of a mobile device, cause the mobile device to:
determine identification information of a product disposed in a retail location of a merchant while the mobile device is positioned in the retail location, wherein the identification information of the product is determined by:
scanning, with the mobile device, a barcode associated with the product; and
accessing, with the mobile device, a product database to identify the identification information based on the barcode;

receive, from a remote server, a list of offers from a plurality of merchants for the product;
display, on a display device of the mobile device, the list of offers to a user of the mobile device;
detect input from the user associated with the list of offers, wherein the user input comprises a rejection of at least one offer of the list of offers;
determine, with an artificial intelligence engine, a likelihood that the user will buy the product if the at least one offer is improved;
receive at least one adjusted offer based on the location of the mobile device, wherein the at least one adjusted offer is generated in response to determining the likelihood that the user will buy the product, wherein the location of the mobile device is determined to have left the retail location, and wherein the at least one adjusted offer is received in response to the mobile device leaving the retail location; and
display, on the display device, the at least one adjusted offer.

8. The computer program product of claim 7 , wherein the program instructions further cause the mobile device to scan a plurality of barcodes associated with a plurality of other products, wherein the list of offers is based at least partially on a number or type of scans.

9. The computer program product of claim 8 , wherein the input from the user comprises a purchase of the product from another merchant of the plurality of merchants.

Assignees

• Visa Int Service Ass

Inventors

• Beck Andrew
• Badea Sebastian
• Pandey Vanita

Classifications

• G07F19/201

  Accessories of ATMs · CPC title

• G06Q30/0267 Primary

  Wireless devices · CPC title

• G07G1/0045

  with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader · CPC title

• G06Q20/208

  Input by product or record sensing, e.g. weighing or scanner processing · CPC title

• G06Q30/0261

  based on user location · CPC title