Collecting and analyzing data for targeted offers

• US 10,423,976 B2
• Filed: 12/29/2014
• Issued: 09/24/2019
• Est. Priority Date: 12/29/2014
• Status: Active Grant

• Current Assignee: Bread Financial Payments Incorporated
• Original Assignee: Comenity LLC (Alliance Data Systems Corporation)
• Inventors: Walz, James
• Primary Examiner(s): Kucab, Jamie R
• Application Number:
  US14/584,863
• Publication Number:
  US 20160189192A1
• Time in Patent Office: 1,730 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0225 Avoiding frauds
• CPC Class Codes: G06Q 30/0229 Multi-merchant loyalty card systems
• CPC Class Codes: G06Q 30/0233 Method of redeeming a frequent usage reward
• CPC Class Codes: G06Q 30/0235 constrained by time limit or expiration date

Abstract

An application platform configurable for collecting user data associated with a plurality of retail-branded credit cards is provided. The application platform includes a configurable front end comprising a graphical user interface layer that is configurable to a specific one of the plurality of retail-branded credit cards, a backend layer comprising credit card functionality for directly performing credit card transactions associated with a specific one of the plurality of retail-branded credit cards, a data collection layer comprising a data collector for collecting user data associated with the plurality of retail-branded credit cards and an offer provider for providing an offer to a user based on the user data associated with said plurality of retail-branded credit cards.

Claims

1. A non-transitory computer-readable medium storing instructions, the instructions comprising:

an application comprising information for a plurality of retail-branded credit cards, the information comprising;

a different front end graphical user interface layer for each of the plurality of retail-branded credit cards; and

a single backend layer credit card functionality for each of the plurality of retail-branded credit cards; and

one or more instructions that, when executed by one or more processors of a user'"'"'s mobile device, cause the one or more processors to;

access the application comprising information for a plurality of retail-branded credit cards;

receive a selection of a specific front end graphical user interface layer for a specific retail-branded credit card from the plurality of retail-branded credit cards,

present the specific front end graphical user interface layer of the specific retail-branded credit card on a display of the user'"'"'s mobile device;

present an animated digital watermark on the display at a same time as the specific front end graphical user interface layer of the specific retail-branded credit card is presented on the display;

determine a touch of the animated digital watermark on the display has occurred;

display a visual message on the display after the touch of the animated digital watermark has occurred,

the visual message to provide evidence that the specific retail-branded credit card on the display is not a fraudulent video capture of the specific retail-branded credit card on the display;

utilize the single backend layer credit card functionality to perform a credit card transaction associated with said specific retail-branded credit card,

the single backend layer credit card functionality to perform the credit card transaction associated with said specific retail-branded credit card only after it is determined that the touch of the animated digital watermark has occurred;

collect user data associated with said plurality of retail-branded credit cards; and

provide an offer to said user of the user'"'"'s mobile device based on the user data associated with said plurality of retail-branded credit cards after the credit card transaction has been performed.

2. The non-transitory computer-readable medium of claim 1, where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:

send contextual offers to said user based on time or location.

3. The non-transitory computer-readable medium of claim 1, where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:

earn credit card rewards points associated with said user; and

provide, to said user via the display of the user'"'"'s mobile device, customized offers based on said earned credit card rewards points.

4. The non-transitory computer-readable medium of claim 1, where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:

buy items at a store associated with said specific retail-branded credit card; and

provide, to said user via the display of the user'"'"'s mobile device, customized offers when said user is physically at said store.

5. The non-transitory computer-readable medium of claim 1, where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:

receive promotions associated with said specific retail-branded credit card.