Systems, methods and computer readable medium for wireless solicitations

Patent metadata

Field	Value
Publication number	US-2021406943-A1
Application number	US-202117470958-A
Country	US
Kind code	A1
Filing date	Sep 9, 2021
Priority date	Dec 6, 2004
Publication date	Dec 30, 2021
Grant date	—

Abstract

Product offering systems are provided. Product offering systems may include sending an offer to a customer that possesses a mobile computing device and has agreed to receive offers for products via the mobile computing device. Agreeing to receive offers would result in the unique data about the customer being available to offer provider. Unique customer data may include data related to the customers wireless service provider or from a financial account in a financial institution, and collecting customer data about the customer, wherein the customer data comprises financial data and personal data. Product offering systems may further include registering a wireless computing device of the customer to able the device to receive the offer, and determining opportunities to send the offer to the customer by monitoring the customer and the customer data. Product offering systems may also include sending the offer to the customer's registered device based on the determination of opportunities.

First claim

1 - 84 . (canceled)

85 . A system for providing offers to a user using a computer networking arrangement and location information about the user, the system comprising:
a memory storing software instructions and a database of locations of good or service providers with predetermined products; and one or more processors configured to execute the software instructions to perform operations comprising:
receiving, by the one or more processors, a GPS (“Global-Positioning System”) location signal, from a wireless computing device featuring a GPS receiver, wherein the wireless computing device is associated with the user and the GPS location signal indicates a location of the wireless computing device;
determining, by the one or more processors, that the user is near a good or service provider based on the received location;
in response to determining that the user is near the good or service provider, identifying, by the one or more processors, a predetermined product, wherein the predetermined product is correlated to the good or service provider;
determining, by the one or more processors, that the user is eligible for the predetermined product by:
retrieving, by the one or more processors, a user account for the user, wherein the user account comprises user account data generated based on a user credit history and a user salary, and wherein the user account is stored by an issuer entity for an authorization service; and
determining that the predetermined product is absent in the user account; and

transmitting, by the one or more processors, to the wireless computing device, an offer associated with the predetermined product contingent upon the user making a transaction using the user account at the good or service provider.

86 . The system of claim 85 , wherein determining that the user is near the good or service provider based on the received location comprises:
determining based on the GPS location signal a latitude and longitude of the wireless computing device; retrieving, from a record database for the good or service provider, a provider latitude and a provider longitude; and comparing the latitude and the longitude to the provider latitude and the provider longitude.

87 . The system of claim 85 , wherein the wireless computing device is associated with the user by:
determining a user registration of the wireless computing device; retrieving a user registration database table; and comparing the user registration to the user registration database table.

88 . The system of claim 85 , wherein determining that the user is located near the good or service provider is based on a present location of the user within a predetermined distance from the good or service provider.

89 . The system of claim 85 , further comprising collecting user data about the user, wherein the user data comprises financial data and personal data.

90 . The system of claim 85 , wherein the offer is contingent upon the user making the transaction with the good or service provider within an expiring time period.

91 . The system of claim 85 , the operations further comprising charging the user account based on the user making the transaction.

92 . The system of claim 85 , wherein determining that the user is eligible for the predetermined product further comprises determining that the user account is associated with a rewards program.

93 . The system of claim 85 , further comprises transmitting a purchase receipt to the user.

94 . The system of claim 85 , the operations further comprising charging the user account for the predetermined product.

95 . A method for providing offers to a user, the method comprising:
receiving, by one or more processors, a GPS (“Global-Positioning System”) location signal, from a wireless computing device featuring a GPS receiver, wherein the wireless computing device is associated with the user and the GPS location signal indicates a location of the wireless computing device; determining, by the one or more processors, that the user is near a good or service provider based on the received location; in response to determining the user is near the good or service provider, identifying, by the one or more processors, a predetermined product, wherein the predetermined product is correlated to the good or service provider; determining, by the one or more processors, that the user is eligible for the predetermined product by:
retrieving, by the one or more processors, a user account for the user, wherein the user account comprises user account data based on a user credit history and a user salary, and wherein the user account is stored by an issuer entity for an authorization service; and
determining that the predetermined product is absent in the user account; and
transmitting, by the one or more processors, to the wireless computing device, an offer associated with the predetermined product contingent upon the user making a transaction using the user account at the good or service provider.

96 . The method of claim 95 , wherein determining that the user is located near the good or service provider is based on a present location of the user within a predetermined distance from the good or service provider.

97 . The method of claim 95 , further includes collecting user data about the user, wherein the user data comprises financial data and personal data.

98 . The method of claim 95 , further includes transmitting a purchase receipt to the user.

99 . The method of claim 95 , further comprising charging the user account for the predetermined product.

100 . The method of claim 95 , further comprising providing the predetermined product to the user.

101 . The method of claim 95 , wherein determining that the user is near the good or service provider based on the received location comprises:
determining based on the GPS location signal a latitude and longitude of the wireless computing device; retrieving, from a record database for the good or service provider, a provider latitude and a provider longitude; and comparing the latitude and the longitude to the provider latitude and the provider longitude.

102 . The method of claim 95 , wherein the wireless computing device is associated with the user by:
determining a user registration of the wireless computing device; retrieving a user registration database table; and comparing the user registration to the user registration database table.

103 . The method of claim 95 , further comprising transmitting and authorization request to the authorization service.

104 . The method of claim 95 , wherein determining that the user is eligible for the predetermined product further comprises determining that the user account is associated with a rewards program.

Assignees

• Capital One Services Llc

Inventors

• Comerford Richard
• Defilippo Joseph M

Classifications

• H04M3/4878

  Advertisement messages · CPC title

• H04M15/58

  based on statistics of usage or network monitoring · CPC title

• G06Q40/00

  Finance; Insurance; Tax strategies; Processing of corporate or income taxes · CPC title

• G06Q30/0224

  based on user history · CPC title

• H04M15/8083

  involving reduced rates or discounts, e.g. time-of-day reductions or volume discounts · CPC title