Systems, methods and computer readable medium for wireless solicitations
First Claim
1. A computer-implemented method for providing offers to a customer, the method comprising:
- monitoring, by one or more processors, transaction data relating to shopping habits of the customer;
determining, by the one or more processors, a variation in the shopping habits of the customer based on changes in the transaction data, wherein the variation comprises a lack of transaction data pertaining to a merchant during a predetermined period of time;
monitoring, by the one or more processors, a location of the customer based on global positioning data received from a wireless computing device associated with the customer;
determining, by the one or more processors, that a present location of the customer corresponds to a location associated with a competitor of the merchant;
transmitting, over an electronic network, a first offer including a merchant offer code to the wireless computing device associated with the customer based on the determined variation and the determined present location,wherein the first offer comprises an offer to complete a transaction with the merchant within a predetermined expiration time period by entering the merchant offer code displayed on the wireless computing device;
determining, by the one or more processors, that the customer is located within a predetermined distance from the merchant based on the monitored location of the customer;
determining, by the one or more processors, that the customer is a member of a rewards program;
determining, by the one or more processors, that the customer has a rewards level within a proximity of a reward redemption threshold;
generating, by the one or more processors, a second offer associated with the merchant allowing the customer to reach the rewards redemption threshold when a subsequent purchase of a predetermined minimum value is made with a financial account at the merchant, wherein the second offer is a credit applied to a rewards account and the predetermined minimum value is based on the proximity of the reward redemption threshold; and
providing the second offer to the customer via the wireless computing device associated with the customer.
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
21 Claims
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1. A computer-implemented method for providing offers to a customer, the method comprising:
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monitoring, by one or more processors, transaction data relating to shopping habits of the customer; determining, by the one or more processors, a variation in the shopping habits of the customer based on changes in the transaction data, wherein the variation comprises a lack of transaction data pertaining to a merchant during a predetermined period of time; monitoring, by the one or more processors, a location of the customer based on global positioning data received from a wireless computing device associated with the customer; determining, by the one or more processors, that a present location of the customer corresponds to a location associated with a competitor of the merchant; transmitting, over an electronic network, a first offer including a merchant offer code to the wireless computing device associated with the customer based on the determined variation and the determined present location, wherein the first offer comprises an offer to complete a transaction with the merchant within a predetermined expiration time period by entering the merchant offer code displayed on the wireless computing device; determining, by the one or more processors, that the customer is located within a predetermined distance from the merchant based on the monitored location of the customer; determining, by the one or more processors, that the customer is a member of a rewards program; determining, by the one or more processors, that the customer has a rewards level within a proximity of a reward redemption threshold; generating, by the one or more processors, a second offer associated with the merchant allowing the customer to reach the rewards redemption threshold when a subsequent purchase of a predetermined minimum value is made with a financial account at the merchant, wherein the second offer is a credit applied to a rewards account and the predetermined minimum value is based on the proximity of the reward redemption threshold; and providing the second offer to the customer via the wireless computing device associated with the customer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A system for providing offers to a customer, the system comprising:
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a processor; and a memory, wherein the memory stores instructions that, when executed by the processor, cause the processor to perform operations comprising; monitoring transaction data relating to shopping habits of the customer; determining a variation in the shopping habits of the customer based on changes in the transaction data, wherein the variation comprises a lack of transaction data pertaining to a merchant during a predetermined period of time; monitoring a location of the customer based on global positioning data received from a wireless computing device associated with the customer; determining that a present location of the customer corresponds to a location associated with a competitor of the merchant; transmitting, over an electronic network, the first offer including a merchant offer code to the wireless computing device associated with the customer based on the determined variation and the determined present location, wherein the first offer comprises an offer to complete a transaction with the merchant within a predetermined expiration time period by entering the merchant offer code displayed on the wireless computing device; determining that the customer is located within a predetermined distance from the merchant based on the monitored location of the customer; determining that the customer is a member of a rewards program; determining that the customer has a rewards level within a proximity of a reward redemption threshold; generating a second offer associated with the merchant allowing the customer to reach the rewards redemption threshold when a subsequent purchase of a predetermined minimum value is made with a financial account at the merchant, wherein the second offer is a credit applied to a rewards account and the predetermined minimum value is based on the proximity of the reward redemption threshold; and providing the second offer to the customer via the wireless computing device associated with the customer. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. A non-transitory computer-readable medium storing instructions for performing, when executed by a processor, a method comprising:
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monitoring transaction data relating to shopping habits of a customer; determining a variation in the shopping habits of the customer based on changes in the transaction data, wherein the variation comprises a lack of transaction data pertaining to a merchant during a predetermined period of time; monitoring a location of the customer based on a global positioning data received from a wireless computing device associated with the customer; determining that a present location of the customer corresponds to a location associated with a competitor of the merchant; transmitting, over an electronic network, the first offer including a merchant offer code to the wireless computing device associated with the customer based on the determined variation and the determined present location, wherein the first offer comprises an offer to complete a transaction with the merchant within a predetermined expiration time period by entering the merchant offer code displayed on the wireless computing device; determining that the customer is located within a predetermined distance from the merchant based on the monitored location of the customer; determining that the customer is a member of a rewards program; determining that the customer has a rewards level within a proximity of a reward redemption threshold; generating a second offer associated with the merchant allowing the customer to reach the rewards redemption threshold when a subsequent purchase of a predetermined minimum value is made with a financial account at the merchant, wherein the second offer is a credit applied to a rewards account and the predetermined minimum value is based on the proximity of the reward redemption threshold; and providing the second offer to the customer via the wireless computing device associated with the customer. - View Dependent Claims (20, 21)
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Specification