Systems, methods and computer readable medium for wireless solicitations

• US 10,332,143 B2
• Filed: 06/06/2014
• Issued: 06/25/2019
• Est. Priority Date: 12/06/2004
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Comerford, Richard, DeFilippo, Joseph M.
• Primary Examiner(s): Hamilton, Matthew L
• Application Number:
  US14/298,288
• Publication Number:
  US 20140289031A1
• Time in Patent Office: 1,845 Days
• Field of Search: 705 14
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0235 constrained by time limit or expiration date
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: H04M 15/58 based on statistics of usage or network monitoring
• CPC Class Codes: H04M 15/8083 involving reduced rates or discounts, e.g. time-of-day reductions or volume discounts
• CPC Class Codes: H04M 2242/30 Determination of the location of a subscriber
• CPC Class Codes: H04M 3/382 using authorisation codes or passwords
• CPC Class Codes: H04M 3/4878 Advertisement messages
• CPC Class Codes: H04M 3/493 Interactive information services, e.g. directory enquiries ; Arrangements therefor, e.g. interactive voice response [IVR] systems or voice portals

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.

Claims

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. The method of claim 1, further comprising:

determining a first reward for the customer based on an indication that the customer redeemed the first offer.

3. The method of claim 1, wherein the determining a variation in the shopping habits of the customer further comprises:

determining, by the one or more processors, that the customer regularly made purchase transactions at the merchant; and

determining, by the one or more processors, that the customer has not made a purchase transaction at the merchant within the predetermined period of time.

4. The method of claim 1, wherein the determining a variation in the shopping habits of the customer further comprises:

determining, by the one or more processors, that the customer made a purchase transaction at the merchant; and

determining, by the one or more processors, that the customer has not made a purchase at the merchant within the predetermined period of time.

5. The method of claim 1, further comprising:

determining a second reward for the customer based on an indication that the customer redeemed the second offer.

6. The method of claim 1, wherein the first offer is at least one of a discount, a credit offering, a coupon, or a voucher.

7. The method of claim 1, wherein the providing the first offer further comprises:

providing the first offer as a text message, an email, or a voice mail message to the wireless computing device associated with the customer.

8. The method of claim 1, wherein the monitoring the shopping habits of the customer further comprises:

monitoring a status of a financial account associated with the customer used to make purchases by collecting financial data associated with the financial account.

9. The method of claim 8, wherein the financial data comprises purchase transaction history.

10. A system for providing offers to a customer, the system comprising:

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.

11. The system of claim 10, wherein the operations include:

determining a first reward for the customer based on an indication that the customer redeemed the first offer.

12. The system of claim 10, wherein the determining a variation in the shopping habits of the customer comprises:

determining that the customer regularly made purchase transactions at the merchant; and

determining that the customer has not made a purchase transaction at the merchant within the predetermined period of time.

13. The system of claim 10, wherein the determining a variation in the shopping habits of the customer comprises:

determining that the customer made a purchase transaction at the merchant; and

determining that the customer has not made a purchase at the merchant within the predetermined period of time.

14. The system of claim 10, wherein the operations comprise:

determining a second reward for the customer based upon an indication that the customer redeemed the second offer.

15. The system of claim 10, wherein the first offer is at least one of a discount, a credit offering, a coupon, or a voucher.

16. The system of claim 10, wherein the operations include:

providing the first offer as a text message, an email, or a voice mail message to the customer'"'"'s wireless computing device.

17. The system of claim 10, wherein the monitoring the shopping habits of the customer further comprises:

monitoring transaction data relating to a status of a financial account associated with the customer by collecting financial data associated with the financial account.

18. The system of claim 17, wherein the financial data comprises purchase transaction history.

19. A non-transitory computer-readable medium storing instructions for performing, when executed by a processor, a method comprising:

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.

20. The non-transitory computer-readable medium of claim 19, wherein the determining a variation in the shopping habits of the customer comprises:

determining that the customer regularly made purchase transactions at the merchant; and

determining that the customer has not made a purchase transaction at the merchant within the predetermined period of time.

21. The non-transitory computer-readable medium of claim 19, wherein the determining a variation in the shopping habits of the customer comprises:

detecting that the customer made a purchase transaction at a merchant; and

determining that the customer has not made a purchase at the merchant within a predetermined period of time.