Systems For Providing and Processing Customized Location-Activated Gifts

Patent metadata

Field	Value
Publication number	US-2019392418-A1
Application number	US-201816014454-A
Country	US
Kind code	A1
Filing date	Jun 21, 2018
Priority date	Jun 21, 2018
Publication date	Dec 26, 2019
Grant date	—

Abstract

A method for providing a gift includes receiving gift information from a first computing device. The gift information includes a maximum gift amount, a gift recipient, and a gifter financial account and gift redemption information. The method includes generating a tokenized PAN associated with the gifter financial account, identifying a second computing device associated with the gift recipient, determining one or more gift redemption locations and receiving gift recipient location data. The method includes determining that the second computing device has entered a gift-eligible location based on the gift recipient location data and the one or more redemption locations and transmitting data indicative of a gift for display by the second computing device. The method further includes outputting an instruction to debit the gifter financial account with an amount of money in response to determining that a transaction has been executed using the tokenized PAN at the gift-eligible location.

First claim

1 . A method for providing a customized location-activated gift, comprising:
receiving, from a first computing device associated with a gifter, gift information comprising data indicative of a maximum gift amount, a gift recipient, and a gifter financial account that is associated with the gifter and gift redemption information; generating a tokenized primary account number (PAN) associated with the gifter financial account; identifying, based on the gift recipient, a second computing device, the second computing device being associated with the gift recipient; determining, based on the gift redemption information, one or more gift redemption locations; performing image recognition on the image to identify a visual landmark; determining, based on the identified visual landmark and the one or more gift redemption locations, that the second computing device has entered a gift-eligible location; transmitting, to the second computing device, data indicative of a gift for display by the second computing device and the tokenized PAN; and responsive to determining that a transaction has been executed using the tokenized PAN at the gift-eligible location, outputting an instruction to debit the gifter financial account with an amount of money based on the transaction.

2 . The method of claim 1 , wherein the gift redemption information comprises an identification of one or more merchants and determining the one or more gift redemption locations comprises looking up one or more merchant locations associated with the one or more merchants.

3 . (canceled)

4 . The method of claim 1 , wherein determining that the second computing device has entered a gift-eligible location comprises determining that the location of the second computing device is within a geofenced area associated with a gift redemption location.

5 . The method of claim 1 , wherein gift recipient location data comprises global positioning satellite (GPS) data received from the second computing device.

6 - 9 . (canceled)

10 . The method of claim 1 , wherein transmitting the tokenized PAN comprises transmitting data configured to be stored in a digital wallet of the second computing device.

11 . The method of claim 1 , wherein transmitting the tokenized PAN comprises transmitting an image for display by the second computing device.

12 . A method for providing a customized location-activated gift, comprising:
receiving, from a first computing device associated with a gifter, gift information comprising data indicative of a maximum gift amount, a gift recipient, a gifter financial account, and gift redemption information, wherein the gifter financial account is a financial account associated with the gifter; identifying, based on the gift recipient, a second computing device and a recipient financial account, the second computing device and the recipient financial account each being associated with the gift recipient; determining, based on the gift redemption information, one or more gift redemption locations; performing image recognition on the image to identify a visual landmark; determining, based on the identified visual landmark and the one or more gift redemption locations, that the second computing device has entered a gift-eligible location; transmitting, to the second computing device, data indicative of a gift for display by the second computing device; and responsive to detecting a transaction made at the gift-eligible location in association with the recipient financial account, outputting an instruction to initiate a transfer of an amount of money from the gifter financial account to the recipient financial account.

13 . The method of claim 12 , wherein the gift redemption information comprises an identification of one or more merchants and determining the one or more gift redemption locations comprises looking up one or more merchant locations associated with the one or more merchants.

14 . The method of claim 12 , wherein detecting a transaction made at the gift-eligible location in association with the recipient financial account comprises:
monitoring transaction data comprising a plurality of transaction authorization requests originating from one or more merchant POS devices, wherein each transaction authorization request comprises: an attempted purchase financial account representing a financial account used to make an attempted purchase; an attempted transaction amount; and a merchant code; identifying a gift-eligible transaction authorization request of the plurality of transaction authorization requests by determining that: the recipient financial account matches the attempted purchase financial account of a first transaction authorization request; and determining, based on the merchant code associated with the first transaction authorization request, that a location of a merchant POS device associated with the first transaction authorization request corresponds to the gift-eligible location.

15 . (canceled)

16 . The method of claim 12 , wherein determining that the second computing device has entered a gift-eligible location comprises determining that the location of the second computing device is within a geofenced area associated with a gift redemption location.

17 . A method for utilizing a customized location-activated gift, comprising:
registering a first computing device with a software application to associate the first computing device with a user account of a gift recipient; identifying, by the first computing device, a redemption merchant location, wherein identifying the redemption merchant location further comprises:
connecting, by the first computing device, to a merchant wireless access point;
identifying the approximate position of the first computing device based on the merchant wireless access point;
transmitting, from the first computing device to a second computing device, the redemption merchant location, wherein the redemption merchant location is representative of the approximate position of the first computing device; receiving, by the first computing device and from the second computing device, a gift notification and a tokenized primary account number (PAN) associated with a financial account, wherein the second computing device transmits the gift notification in response to determining that the approximate position of the first computing device corresponds to the redemption merchant location based on the merchant wireless access point connection; displaying, by the first computing device and based on the gift notification, an identification of a gifter, a gift amount and gift redemption information; conveying, by the first computing device and to a merchant POS device in association with an attempted transaction, the tokenized PAN to pay for at least a portion of the attempted transaction via the financial account, wherein the merchant POS device is associated with the redemption merchant; receiving, by the first computing device, a notification of the authorization of the attempted transaction; and adjusting a remaining balance associated with the tokenized PAN based on the notification of the authorization of the attempted transaction.

18 . The method of claim 17 , wherein transmitting the redemption merchant location associated with the first computing device occurs in response to:
capturing an image by the first computing device; performing image recognition on the image to identify a visual landmark;
determining, based on the identified visual landmark and the approximate position of the first computing device that the second computing device has entered a gift-elig

Assignees

• Capital One Services Llc

Inventors

• Butler Taurean
• Berglund Christine
• Vukich Adam
• Greenberg Jessica
• Hart Colin
• Bulgakov Mykhaylo
• Ji Jason
• Gibilterra Kaylyn

Classifications

• H04W4/23

  for mobile advertising · CPC title

• H04W4/021 Primary

  Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences · CPC title

• G06Q20/3224 Primary

  Transactions dependent on location of M-devices · CPC title

• G06Q20/385

  using an alias or single-use codes · CPC title

• G06Q20/36

  using electronic wallets or electronic money safes · CPC title