Systems, methods and computer readable medium for wireless solicitations
First Claim
1. A system for providing offers to a customer comprising:
- a memory storing software instruction;
a processor configured to execute the software instructions to perform operations comprising;
monitoring a location of a wireless computing device of the customer;
determining, based on global positioning system (GPS) data obtained from a GPS component of the wireless computing device, that the wireless computing device is within a predetermined distance from a known location of a merchant based on the monitored location;
monitoring a financial account of the customer;
determining that a credit amount of the financial account is near or at a credit limit;
determining, before a purchase transaction request is initiated for a purchase by the customer, that the customer is eligible for a credit limit increase based on a characteristic of the financial account in response to the determination that the credit amount of the financial account is near or at the credit limit;
generating an offer to increase the credit limit, wherein the offer is contingent upon the customer completing a transaction with the merchant;
transmitting a communication regarding the offer to the wireless computing device; and
updating the financial account in response to receiving, a communication indicating an acceptance of the offer.
2 Assignments
0 Petitions
Accused Products
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.
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Citations
19 Claims
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1. A system for providing offers to a customer comprising:
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a memory storing software instruction; a processor configured to execute the software instructions to perform operations comprising; monitoring a location of a wireless computing device of the customer; determining, based on global positioning system (GPS) data obtained from a GPS component of the wireless computing device, that the wireless computing device is within a predetermined distance from a known location of a merchant based on the monitored location; monitoring a financial account of the customer; determining that a credit amount of the financial account is near or at a credit limit; determining, before a purchase transaction request is initiated for a purchase by the customer, that the customer is eligible for a credit limit increase based on a characteristic of the financial account in response to the determination that the credit amount of the financial account is near or at the credit limit; generating an offer to increase the credit limit, wherein the offer is contingent upon the customer completing a transaction with the merchant; transmitting a communication regarding the offer to the wireless computing device; and updating the financial account in response to receiving, a communication indicating an acceptance of the offer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A computer-implemented method for providing offers to a customer, the method comprising:
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monitoring, by one or more processors, a location of a wireless computing device of the customer; determining, based on GPS data obtained from a GPS component of the wireless computing device, that the wireless computing device is within a predetermined distance from a known location of a merchant based on the monitored location by the one or more processors; monitoring, by the one or more processors, a financial account of the customer; determining, by the one or more processors, that a credit amount of the financial account is near or at a credit limit; determining, by the one or more processors, before a purchase transaction request is initiated for a purchase by the customer, that the customer is eligible for a credit limit increase based on a characteristic of the financial account in response to the determination that the credit amount of the financial account is near or at the credit limit; generating an offer to increase the credit limit, wherein the offer is contingent upon the customer completing a transaction with the merchant; transmitting, by the one or more processors, a communication regarding the offer to the wireless computing device via a network; and updating, by the one or more processors, the financial account in response to receiving a communication indicating an acceptance of the offer via the network. - View Dependent Claims (17)
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18. A non-transitory computer readable medium storing instructions that, when executed by a processor, cause the processor to perform a method for providing offers to a customer, the method comprising:
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monitoring a location of a wireless computing device of the customer; determining that the wireless computing device is within a predetermined distance from a known location of a merchant based on the monitored location; monitoring a financial account of the customer; determining that a credit amount of the financial account is near or at a credit limit; determining, before a purchase transaction request is initiated for a purchase by the customer, that the customer is eligible for a credit limit increase based on a characteristic of the financial account in response to the determination that the credit amount of the financial account is near or at the credit limit; generating an offer to increase the credit limit, wherein the offer is contingent upon the customer completing a transaction with the merchant; transmitting a communication regarding the offer to the wireless computing device via a network; and updating, by the one or more processors, the financial account in response to receiving a communication indicating an acceptance of the offer via the network. - View Dependent Claims (19)
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Specification