Systems and methods for providing offers using a mobile device

• US 10,339,557 B2
• Filed: 11/20/2018
• Issued: 07/02/2019
• Est. Priority Date: 09/22/2014
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Loomis, Daniel
• Primary Examiner(s): Marshall, Christle I
• Application Number:
  US16/196,237
• Publication Number:
  US 20190087850A1
• Time in Patent Office: 224 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. An offer system, comprising:

a computing system configured to receive over a communication network;

transaction data for at least one prior transaction associated with a user of a wireless device; and

information indicating a current location of the wireless device;

one or more processors configured to execute programmable instructions to;

determine an offer based on the received information indicating the current location of the wireless device and the transaction data for the at least one prior transaction associated with the user of the wireless device,

wherein the offer is redeemable at a merchant location within a predetermined distance of the current location of the wireless device, and

wherein the computing system is further configured to transmit, over the communication network, the determined offer to the wireless device.

2. The system of claim 1, wherein one or more processors are further configured to provide an application programming interface (API) to a requesting computer system.

3. The system of claim 2, wherein one or more processors are further configured to receive the transaction data via the API.

4. The system of claim 3 wherein the transaction data includes:

a product identifier, a merchant identifier, the current location, and a merchant category code.

5. The system of claim 4, wherein the one or more processors are further configured to determine the offer satisfying the transaction data.

6. The system of claim 4, wherein the one or more processors are further configured to map the current location of the wireless device to the merchant category code of the merchant location.

7. The system of claim 1, further comprising a database storing information for a plurality of merchants.

8. The system of claim 7, wherein the one or more processors are further configured to identify the offer based on a comparison of the subset of offers from the database.

9. The system of claim 7, wherein the one or more processors are further configured to communicate with the database to determine the merchant location that is within the predetermined distance of the current location of the wireless device.

10. They system of claim 7, wherein the one or more processors are further configured to query the database based on the 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.

11. A method comprising:

receiving over a communication network;

transaction data for at least one prior transaction associated with a user of a wireless device; and

information indicating a current location of the wireless device;

determining an offer based on the received information indicating the current location of the wireless device and the transaction data for the at least one prior transaction associated with the user of the wireless device, wherein the offer is redeemable at a merchant location within a predetermined distance of the current location of the wireless device; and

transmitting, over the communication network, the determined offer to the wireless device.

12. The method of claim 11, wherein transaction data includes:

a product identifier, a merchant identifier, the current location, and a merchant category code.

13. The method of claim 12, further comprising determining the offer satisfying the transaction data.

14. The method of claim 11, further comprising mapping the current location of the wireless device to the merchant category code of the merchant location.

15. The method of claim 11, further comprising identifying the offer based on a comparison of the subset of offers.

16. A non-transitory medium storing instructions that, when executed by one or more processors, cause the one or more processors to perform operations comprising:

receiving over a communication network;

transaction data for at least one prior transaction associated with a user of a wireless device; and

information indicating a current location of the wireless device;

determining, an offer based on the received information indicating the current location of the wireless device and the transaction data for the at least one prior transaction associated with the user of the wireless device, wherein the offer is redeemable at a merchant location within a predetermined distance of the current location of the wireless device; and

transmitting, over the communication network, the determined offer to the wireless device.

17. The non-transitory medium of claim 16, wherein transaction data includes:

a product identifier, a merchant identifier, the current location, and a merchant category code.

18. The non-transitory medium of claim 17, further comprising determining the offer satisfying the transaction data.

19. The non-transitory medium of claim 16, further comprising mapping the current location of the wireless device to the merchant category code of the merchant location.

20. The non-transitory medium of claim 16, further comprising identifying the offer based on a comparison of the subset of offers.