Systems and methods for providing offers using a mobile device

• US 10,019,725 B2
• Filed: 09/13/2017
• Issued: 07/10/2018
• Est. Priority Date: 09/22/2014
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Financial Corporation
• Inventors: Loomis, Daniel
• Primary Examiner(s): Marshall, Christle I
• Application Number:
  US15/703,745
• Publication Number:
  US 20180005260A1
• Time in Patent Office: 300 Days
• CPC Class Codes: G06F 16/22 Indexing; Data structures therefor; Storage structures
• CPC Class Codes: G06F 16/29 Geographical information databases
• CPC Class Codes: G06F 16/951 Indexing; Web crawling techniques
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives
• CPC Class Codes: G06Q 30/0252 based on events or environment, e.g. weather or festivals
• CPC Class Codes: G06Q 30/0253 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0261 based on user location
• CPC Class Codes: G06Q 30/0264 based upon schedule
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0268 at point-of-sale [POS]
• CPC Class Codes: H04W 4/021 Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences

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.

Claims

1. A remote offer system, comprising:

a communications interface configured to receive over a communication network;

information indicative of prior transaction history associated with a user of a wireless device; and

information indicating a current location of the wireless device;

an offer database storing a plurality of offers associated with an identifier of goods or services redeemable at a merchant location; and

a processor configured to execute programmable instructions to;

determine, responsive to receiving the information indicating the current location of the wireless device, a subset of the offers that is redeemable at a merchant location that is within a predetermined distance of the current location of the wireless device; and

identify, by searching the subset of the offers in the offer database, an applicable offer redeemable at the merchant location within the predetermined distance of the current location of the wireless device, wherein the applicable offer is based on the information indicative of prior transaction history associated with the user of the wireless device;

wherein the communications interface is further configured to transmit, over the communication network, the applicable offer to the wireless device within the predetermined distance.

2. The system of claim 1, wherein the information indicative of prior transaction history includes transaction line item data comprising at least one of an identifier of goods or services purchased in a prior transaction or an identifier of a merchant associated with the prior transaction.

3. The system of claim 2, wherein the processor is configured to identify the applicable offer based on a comparison of the subset of offers with the identifier of goods or services purchased in the prior transaction.

4. The system of claim 2, wherein the processor is configured to identify the applicable offer based on a comparison of the subset of offers with the identifier of a merchant associated with the prior transaction.

5. The system of claim 1, wherein the processor is configured to determine the merchant location that is within the predetermined distance of the current location of the wireless device based on merchant information received from the wireless device indicating the wireless device is positioned at the merchant location.

6. The system of claim 1, further comprising:

a location database storing location information for a plurality of merchants, wherein the processor is configured to communicate with the location database to determine the merchant location that is within the predetermined distance of the current location of the wireless device.

7. The system of claim 6, wherein the processor is configured to query the location database based on GPS data received from the wireless device to determine the merchant location that is within the predetermined distance of the current location of the wireless device.

8. The system of claim 1, wherein the processor is configured to identify the applicable offer based on a time of day when the wireless device is within the predetermined distance.

9. The system of claim 2, wherein the transaction line item data is received from a merchant computing system associated with the merchant of the prior transaction.

10. The system of claim 2, wherein the transaction line item data is received from the wireless device.

11. The system of claim 1, wherein the processor is further configured to identify the applicable offer responsive to receiving, over the communication network via the communications interface, a request from the wireless device.

12. A non-transitory computer-readable medium storing instructions that, when executed by one or more processors of a wireless device, cause the one or more processors to perform operations comprising:

transmit, over a communication network to a remote computing system;

information indicative of prior transaction history associated with a user of the wireless device; and

information indicating a current location of the wireless device;

receive, from the remote computing system and responsive to when a current location of the wireless device is within a predetermined distance of at least one merchant location, an applicable offer redeemable at a merchant location that is within the predetermined distance of the current location of the wireless device, the applicable offer being determined based on the information indicative of prior transaction history; and

display an indication of the applicable offer, while the wireless device is within the predetermined distance of the merchant location associated with the applicable offer.

13. The non-transitory computer-readable medium of claim 12, wherein the information indicative of prior transaction history includes transaction line item data comprising at least one of an identifier of goods or services purchased in a prior transaction or an identifier of a merchant associated with the prior transaction.

14. The non-transitory computer-readable medium of claim 13, wherein the information indicating a current location of the wireless device is based on a wireless signal received by the wireless device from a merchant system.

15. The non-transitory computer-readable medium of claim 14, wherein the information indicating a current location of the wireless device includes GPS data.

16. The non-transitory computer-readable medium of claim 13, wherein the transaction line item data is received from a computing system of the merchant associated with the prior transaction, responsive to the user completing the prior transaction.

17. A method comprising:

receiving, from a wireless device over a communication network, information indicative of prior transaction history associated with a user of the wireless device;

receiving information from the wireless device indicating a current location of the wireless device;

determining, responsive to receiving the information indicating the current location of the wireless device, a plurality of offers redeemable at a merchant location that is within a predetermined distance of the current location of the wireless device;

identifying, by comparing the plurality of offers to the information indicative of prior transaction history, an applicable offer redeemable at the merchant location within the predetermined distance of the current location of the wireless device; and

transmitting the applicable offer to the wireless device within the predetermined distance.

18. The method of claim 17, wherein the information indicative of prior transaction history includes transaction line item data comprising at least one of an identifier of goods or services purchased in a prior transaction or an identifier of a merchant associated with the prior transaction.

19. The method of claim 17, further comprising determining the merchant location that is within the predetermined distance of the current location of the wireless device based on merchant information received from the wireless device indicating the wireless device is positioned at the merchant location.

20. The method of claim 17, further comprising identifying the applicable offer based on a time of day when the wireless device is within the predetermined distance.