System and method of notifying user near point of sale location of available rewards at the point of sale location

• US 10,445,750 B2
• Filed: 12/19/2018
• Issued: 10/15/2019
• Est. Priority Date: 11/17/2006
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Chen, Lianghan, Correll, Kevin, Telyaz, Leon, Pivnick, Nicole E.
• Primary Examiner(s): Savusdiphol, Paultep
• Application Number:
  US16/225,319
• Publication Number:
  US 20190130419A1
• Time in Patent Office: 300 Days
• Field of Search: 235375, 235379, 235380, 235383, 235451, 235492
• CPC Class Codes: G06K 17/00 Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising

Abstract

Systems and methods for a point of sale reward system are provided. The system notifies users proximate to a point of sale location of rewards available for redemption specific to that user at that specific point of sale location.

Claims

1. A method comprising:

receiving, at a rewards processor, a user identifier and a user location of a user having a user rewards account, the user location being received responsive to a user transaction at a first point of sale (POS) system and based on first POS system identifier information;

receiving authentication information associated with the user;

comparing the user identifier to the authentication information to authenticate the user;

determining, responsive to authenticating the user, one or more redeemable rewards associated with the user rewards account;

determining, by the rewards processor and based on the user location, one or more merchants within a predetermined distance of the user location, wherein at least a first redeemable reward of the one or more redeemable rewards is redeemable at the one or more merchants; and

transmitting, from a user notification system integrated with the rewards processor via a network, a notification to a user device associated with the user, the notification comprising data indicative of at least the first redeemable reward and the one or more merchants within the predetermined distance of the user location.

2. The method of claim 1, wherein the authentication information is received as encrypted ciphertext and decrypted according to one or more protocols.

3. The method of claim 1, wherein the merchant comprises a second POS system and at least one of the first POS system and the second POS system comprises:

an account reader;

a display; and

an input/output module connectively coupling the POS system to the network.

4. The method of claim 1, wherein receiving the user location further comprises:

receiving, from the user device, current location data based on a GPS feature associated with the user device; and

determining the user location based on the current location data.

5. The method of claim 1, wherein the user device is a mobile computing device.

6. The method of claim 1 further comprising receiving one or more user preferences associated with the user rewards account of the user, wherein determining the one or more redeemable rewards associated with the user rewards account is based at least in part on the one or more user preferences.

7. The method of claim 6, wherein the one or more preferences comprises at least one of:

a classification of one or more items, a price range, a store, and a range or amount of reward points.

8. The method of claim 1, wherein the one or more redeemable rewards comprises at least one of:

a specific discount, a general discount, a refund, and a reward points redemption.

9. The method of claim 1, wherein determining the one or more redeemable rewards is based at least in part on authenticated identification information.

10. The method of claim 1 further comprising receiving, at the rewards processor, redemption data associated with the notification.

11. The method of claim 1, wherein the notification comprises an SMS text message or an e-mail.

12. The method of claim 1, wherein the user identifier comprises biometric information.

13. The method of claim 1, wherein the user identifier comprises financial card information.

14. A rewards system, comprising:

one or more processors; and

memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to;

receive a user identifier and a user location of a user having a user rewards account, the user location being received in response to a user transaction at a first point of sale (POS) system and based on first POS system identifier information;

receive authentication information associated with the user;

compare the user identifier to the authentication information to authenticate the user;

determine, responsive to authenticating the user, one or more redeemable rewards associated with the user rewards account;

determine, based on the user location, one or more merchants within a predetermined distance of the user location, wherein at least a first redeemable reward of the one or more redeemable rewards is redeemable at the one or more merchants; and

transmit a notification to a user device associated with the user, the notification comprising data indicative of at least the first redeemable reward and the one or more merchants within the predetermined distance of the user location.

15. The system of claim 14, wherein the authentication information is received as encrypted ciphertext and decrypted according to one or more protocols.

16. The system of claim 14, wherein the instructions, when executed by the one or more processors, are further configured to cause the system to receive one or more user preferences associated with the user rewards account of the user, and determining the one or more redeemable rewards associated with the user rewards account is based at least in part on the one or more user preferences.

17. The system of claim 16, wherein the one or more preferences comprises at least one of:

a classification of one or more items, a price range, a store, and a range or amount of reward points.

18. The system of claim 14, wherein the user identifier comprises biometric information.

19. The system of claim 14, wherein the user identifier comprises financial card information.

20. A rewards system, comprising:

one or more processors; and

memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to;

receive a user identifier and a user location of a user having a user rewards account;

receive authentication information as encrypted ciphertext and decrypted according to one or more protocols, the authentication information being associated with the user;

authenticate the user based on the user identifier and the authentication information;

determine, responsive to authenticating the user, one or more rewards associated with the user rewards account;

determine, based on the user location, one or more merchants within a predetermined distance of the user location, wherein at least a first reward of the one or more rewards is redeemable at the one or more merchants; and

transmit a notification to a user device associated with the user, the notification comprising data indicative of at least the first reward and the one or more merchants within the predetermined distance of the user location.

21. A rewards system, comprising:

one or more processors; and

memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to;

receive a user identifier and a user location of a user having a user rewards account, the user location being received in response to a user transaction at a first point of sale (POS) system and based on first POS system identifier information;

determine one or more redeemable rewards associated with the user rewards account;

determine, based on the user location, one or more merchants within a predetermined distance of the user location, wherein at least a first redeemable reward of the one or more redeemable rewards is redeemable at the one or more merchants; and

transmit a notification to a user device associated with the user, the notification comprising data indicative of at least the first redeemable reward and the one or more merchants within the predetermined distance of the user location.