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System and method for contextual services experience

  • US 10,360,597 B2
  • Filed: 06/27/2014
  • Issued: 07/23/2019
  • Est. Priority Date: 06/27/2014
  • Status: Active Grant
First Claim
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1. A contextual services delivery system comprising:

  • a services repository comprising a database of contextual services;

    a contextual services delivery module comprising;

    a merchant linkage database comprising directives indicating which of the contextual services to provide in response to a context environment;

    a context database comprising context characteristics representing the context environment,a contextual services delivery processor configured to identify, using a standardized API, the context environment in response to the context characteristics and to provide executed contextual services from the services repository in response to the directives;

    wherein the services repository communicates with the contextual services delivery module, andwherein the contextual services delivery module provides a user with a contextual services experience based on the context environment,wherein the contextual services delivery module performs operations of;

    evaluating, in response to the user at least one of initiating a transaction between the user and a merchant or the user in range of a point of sale device, the context environment,wherein the context environment includes whether the user is located at the point of sale device, whether the user entered a store of the merchant, whether the user is located within the store of the merchant, whether the user swiped a payment card, whether the user authorized a payment on a mobile device, whether the user opened an application on the mobile device, and whether the user scanned a SKU for a product;

    determining information about the point of sale device involved in the transaction;

    determining information about software involved in the transaction;

    determining characteristics of the user conducting the transaction;

    determining characteristics of the transaction;

    determining physical locations of the user, the merchant and location technology;

    determining merchant services provided by the merchant;

    determining a date and time of the transaction;

    identifying that the context environment includes a linkage to a context service from the services repository, wherein the merchant linkage database indicates a merchant desires a consumer to receive the context service in response to the context environment being identified from the determining of the information about the point of sale device, the information about software, the characteristics of the user, the characteristics of the transaction, the physical locations of the user, the merchant services , the date of the transaction, the time of the transaction, risk analysis of the user, merchants visited by the user, a transaction history of the user, an amount of spend for the transaction, a frequency of the transaction, a number of transactions, a categorization of the transaction, activities by the user in a social media channel, activities by the user in an entertainment channel, activities by the user in a reservation channel and activities by the user in a review channel;

    applying a promotion applicable to the user in response to the linkage of the context environment;

    delivering customized content applicable to the user in response to the linkage of the context environment, the information about the point of sale device, the information about software, the characteristics of the user, the characteristics of the transaction, the physical locations of the user, the merchant services , the date of the transaction, the time of the transaction, the risk analysis of the user, the merchants visited by the user, the transaction history of the user, the amount of spend for the transaction, the frequency of the transaction, the number of transactions, the categorization of the transaction, activities by the user in a social media channel, activities by the user in an entertainment channel, activities by the user in the reservation channel and activities by the user in the review channel;

    providing inventory data to the point of sale device for display on the point of sale device;

    providing the customized content to the point of sale device for display on the point of sale device;

    providing the promotion to the point of sale device for display on the point of sale device;

    applying, in response to the context environment linking to a merchant service of the merchant, the promotion to the transaction;

    determining, based on the promotion, a payment amount for the product;

    distributing the payment amount for display to the user;

    receiving a transaction authentication comprising a user fingerprint;

    processing the transaction in response to the receiving; and

    transmitting a transaction confirmation.

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