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System and method for providing personalized customer assistance using a financial card having an RFID device

  • US 10,318,940 B2
  • Filed: 04/14/2004
  • Issued: 06/11/2019
  • Est. Priority Date: 04/14/2004
  • Status: Active Grant
First Claim
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1. A method of providing personalized customer service, comprising:

  • electronically receiving purchase information from a financial card provider system at a merchant data management system from one or more purchases made from a particular merchant using a financial card affiliated with the particular merchant and provided to the customer by a financial card provider associated with the financial card provider system, the financial card provider being distinct from the merchant, the financial card having an associated financial account, the financial card having a radio frequency identification (RFID) device coupled thereto, the RFID device storing identification data identifying the financial account;

    wherein the purchase information includes an identification of items purchased during the one or more purchases;

    determining, at the merchant data management system, a number of loyalty points to be awarded to the financial account based on the purchase information;

    reading, at the merchant data management system, the identification data from the RFID device using an RFID reading device;

    determining, using the merchant data management system, one or more additional items to be purchased;

    generating, at the merchant data management system, personalized service data based on the purchase information, a purchase history, and the number of loyalty points associated with the identified financial account, wherein the personalized service data comprises an offer for a financial incentive tied to the financial account stored at the financial card provider system if the one or more additional items are selected, wherein the one or more additional items are based on purchase information, the purchase history and the number of loyalty points associated with the identified financial account and wherein the offer is an offer received from the financial card provider system and based on an identified merchant competitor; and

    providing the offer to the customer via an electronic visual interface associated with the merchant data management system.

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