Systems and methods for providing offers using a mobile device

Patent metadata

Field	Value
Publication number	US-9558504-B2
Application number	US-201615231746-A
Country	US
Kind code	B2
Filing date	Aug 8, 2016
Priority date	Sep 22, 2014
Publication date	Jan 31, 2017
Grant date	Jan 31, 2017

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. A wireless device for using account data during a transaction, comprising:
a display;
one or more processors; and
a memory storing instructions that when executed by the one or more processors, cause the one or more processors to:
receive transaction line item data, wherein the transaction line item data is associated with a first transaction completed at a first merchant location;
provide the transaction line item data to a remote computing system;
provide current location information of the wireless device to the remote computing system;
responsive to when a current location of the wireless device is within a predetermined distance of at least one merchant location of a second merchant, receive, from the remote computing system, an applicable offer determined from among a plurality of offers redeemable in a second transaction, the applicable offer being determined based on a comparison of the plurality of offers with the transaction line item data, wherein the applicable offer is associated with the second merchant; and
present, while the wireless device is within the predetermined distance, an indication of the applicable offer associated with the second merchant on the display.

2. The wireless device of claim 1 , wherein the instructions further cause the one or more processors to present an indication of a recommended transaction account, from among a plurality of transaction accounts associated with the wireless device, to be used in the second transaction with the applicable offer associated with the second merchant.

3. The wireless device of claim 1 , wherein the transaction line item data includes at least one of an identifier of goods or services purchased in the first transaction or a merchant identifier associated with the first merchant location.

4. The wireless device of claim 3 , wherein the plurality of offers redeemable in the second transaction are coded with at least one of an identifier of goods or services redeemable in the offer or a merchant identifier associated with the offer.

5. The wireless device of claim 4 , wherein the applicable offer is determined based on at least one of (i) the identifier of goods or services purchased in the first transaction or (ii) the merchant identifier associated with the first merchant location.

6. The wireless device of claim 1 , wherein a determination that the current location of the wireless device is within the predetermined distance of the at least one merchant location of the second merchant is based on a wireless signal received by the wireless device at the at least one merchant location of the second merchant.

7. The wireless device of claim 1 , wherein a determination that the current location of the wireless device is within the predetermined distance of the at least one merchant location of the second merchant is based on GPS data.

8. The wireless device of claim 1 , wherein a determination that the current location of the wireless device is within the predetermined distance of the at least one merchant location of the second merchant is based on a lookup of merchants associated with the current location of the wireless device.

9. The wireless device of claim 1 , wherein the instructions further cause the one or more processors to present a first indication of the applicable offer at a time the applicable offer among the plurality of offers is received.

10. The wireless device of claim 1 , wherein the applicable offer is determined based on a time of day.

11. The wireless device of claim 1 , wherein the receiving transaction line item data includes receiving the transaction line item data from a merchant computing system associated with the first merchant location, responsive to completing the first transaction at the first merchant location.

12. A non-transitory computer readable medium storing instructions that, when executed by one or more processors associated with a wireless device, causes the one or more processors to perform operations comprising:
receiving transaction line item data, wherein the transaction line item data is associated with a first transaction completed at a first merchant location;
providing the transaction line item data to a remote computing system;
providing current location information of the wireless device to the remote computing system;
responsive to when a current location of the wireless device is within a predetermined distance of at least one merchant location of a second merchant, receiving, from the remote computing system, an applicable offer determined from among a plurality of offers redeemable in a second transaction, the applicable offer being determined based on a comparison of the plurality of offers with the transaction line item data, wherein the applicable offer is associated with the second merchant; and
presenting, while the wireless device is within the predetermined distance, an indication of the applicable offer associated with the second merchant on the display.

13. The non-transitory computer readable medium of claim 12 , wherein the instructions further cause the one or more processors to present an indication of a recommended transaction account, from among a plurality of transaction accounts associated with the wireless device, to be used in the second transaction with the applicable offer associated with the second merchant.

14. The non-transitory computer readable medium of claim 12 , wherein the transaction line item data includes at least one of an identifier of goods or services purchased in the first transaction or a merchant identifier associated with the first merchant location, and the applicable offer is determined based on at least one of (i) the identifier of goods or services purchased in the first transaction or (ii) the merchant identifier associated with the first merchant location.

15. The non-transitory computer readable medium of claim 12 , wherein a determination that the current location of the wireless device is within the predetermined distance of the at least one merchant location of the second merchant is based on a wireless signal received by the wireless device at the at least one merchant location of the second merchant.

16. The non-transitory computer readable medium of claim 12 , wherein a determination that the current location of the wireless device is within the predetermined distance of the at least one merchant location of the second merchant is based on GPS data.

17. A method comprising:
receiving, via a wireless device, transaction line item data, wherein the transaction line item data is associated with a first transaction completed at a first merchant location;
providing, by the wireless device, the transaction line item data to a remote computing system;
providing current location information of the wireless device to the remote computing system;
responsive to when a current location of the wireless device is within a predetermined distance of at least one merchant location of a second merchant, receiving, from the remote computing system, an applicable offer determined from among a plurality of offers redeemable in a second transaction, the applicable offer being determined based on a comparison of the plurality of offers with the transaction line item data, wherein the applicable offer is associated with the second merchant; and
presenting, while the wireless device is within the predetermined distance, an indication of the applicable offer associated with the second merchant on the display.

18. The method of claim 17 , further comprising presenting an ind

Assignees

• Capital One Financial Corp

Inventors

• Loomis Daniel

Classifications

• G06Q30/0253

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

• G06Q30/0268

  at point-of-sale [POS] · CPC title

• G06Q20/20

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

• G06Q30/0261

  based on user location · CPC title

• G06Q30/0264

  based upon schedule · CPC title