Systems and methods for providing offers using a mobile device

Patent metadata

Field	Value
Publication number	US-9741052-B2
Application number	US-201615373213-A
Country	US
Kind code	B2
Filing date	Dec 8, 2016
Priority date	Sep 22, 2014
Publication date	Aug 22, 2017
Grant date	Aug 22, 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 method comprising:
receiving, over a communication network, transaction line item data associated with a first transaction completed at a first merchant location by a user associated with a wireless device;
receiving, from the wireless device over the communication network, information indicating a current location of the wireless device;
determining that the current location of the wireless device is within a predetermined distance of a merchant location of a second merchant;
identifying, based on the transaction line item data and the current location of the wireless device, one or more applicable offers associated with the second merchant redeemable in a second transaction; and
transmitting the one or more applicable offers to the wireless device within the predetermined distance.

2. The method 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.

3. The method of claim 2 , further comprising:
querying an offer database storing a plurality of offers coded with at least one of an identifier of goods or services redeemable in the offer or a merchant identifier associated with the offer; and
comparing the one or more applicable offers with 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.

4. The method of claim 1 , wherein the transaction line item data associated with the first transaction is received from a merchant computing system associated with the first merchant location.

5. The method of claim 1 , wherein the transaction line item data associated with the first transaction is received from the wireless device.

6. A remote offer system, comprising:
a processor; and
a memory storing instructions executable by the processor to cause the processor to:
receive, over a communication network, transaction line item data associated with a first transaction completed at a first merchant location by a user associated with a wireless device;
receive, from the wireless device over the communication network, information indicating a current location of the wireless device;
determine that the current location of the wireless device is within a predetermined distance of a merchant location of a second merchant;
identify, based on the transaction line item data and the current location of the wireless device, one or more applicable offers associated with the second merchant redeemable in a second transaction; and
transmit the one or more applicable offers to the wireless device within the predetermined distance.

7. The system of claim 6 , 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.

8. The system of claim 7 , further comprising:
an offer database storing a plurality of offers coded with at least one of an identifier of goods or services redeemable in the offer or a merchant identifier associated with the offer.

9. The system of claim 8 , wherein the one or more applicable offers is identified based on a comparison of the one or more applicable offers with 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.

10. The system of claim 6 , wherein the determination that the current location of the wireless device is within the predetermined distance of the location of the second merchant is based on merchant information received from the wireless device indicating the wireless device is positioned at the location of the second merchant.

11. The system of claim 6 , further comprising:
a location database storing location information for a plurality of merchants.

12. The system of claim 11 , wherein the determination that the current location of the wireless device is within the predetermined distance of the location of the second merchant is based on a query of the location database based on GPS data received from the wireless device.

13. The system of claim 6 , wherein the one or more applicable offers is identified based on a time of day.

14. The system of claim 6 , wherein the transaction line item data associated with the first transaction is received from a merchant computing system associated with the first merchant location.

15. The system of claim 6 , wherein the transaction line item data associated with the first transaction is received from the wireless device.

16. A non-transitory computer-readable medium storing instructions that, when executed by one or more processors, causes the one or more processors to perform operations comprising:
receiving, over a communication network, transaction line item data associated with a first transaction completed at a first merchant location by a user associated with a wireless device;
receiving, from the wireless device over the communication network, information indicating a current location of the wireless device;
determining that the current location of the wireless device is within a predetermined distance of a merchant location of a second merchant;
identifying, based on the transaction line item data and the current location of the wireless device, one or more applicable offers associated with the second merchant redeemable in a second transaction; and
transmitting the one or more applicable offers to the wireless device within the predetermined distance.

17. The non-transitory computer-readable medium of claim 16 , 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.

18. The non-transitory computer-readable medium of claim 17 , wherein the identifying one or more applicable offers includes:
querying an offer database storing a plurality of offers coded with at least one of an identifier of goods or services redeemable in the offer or a merchant identifier associated with the offer; and
comparing the one or more applicable offers with 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.

19. The non-transitory computer-readable medium of claim 16 , wherein the determining that the current location of the wireless device is within the predetermined distance of the location of the second merchant is based on merchant information received from the wireless device indicating the wireless device is positioned at the location of the second merchant.

20. The non-transitory computer-readable medium of claim 16 , wherein the determining that the current location of the wireless device is within the predetermined distance of the location of the second merchant includes querying a location database storing location information for a plurality of merchants based on GPS data received from the wireless device.

21. The non-transitory computer-readable medium of claim 16 , wherein the transaction line item data associated with the first transaction is received from a merchant computing system associated with the first merchant location.

22. The non-transitory computer-readable medium of claim 16 ,

Assignees

• Capital One Financial Corp

Inventors

• Loomis Daniel

Classifications

• G06Q30/0239 Primary

  Online discounts or incentives · CPC title

• H04W4/021

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

• G06F16/951

  Indexing; Web crawling techniques · CPC title

• G06F16/22

  Indexing; Data structures therefor; Storage structures · CPC title

• G06Q30/0253

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