Systems and methods for providing a customer service

• US 10,453,087 B2
• Filed: 09/29/2014
• Issued: 10/22/2019
• Est. Priority Date: 09/30/2013
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Benjamin, Moshe, Douglas, Lawrence
• Primary Examiner(s): Kanervo, Virpi H
• Application Number:
  US14/499,979
• Publication Number:
  US 20150095130A1
• Time in Patent Office: 1,849 Days
• CPC Class Codes: G06F 16/14 Details of searching files based on file metadata
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0232 Frequent usage rewards other than merchandise, cash or travel
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

The disclosed embodiments include systems and methods for providing customer service. The system may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive customer data and location data from a client device. The one or more processors may also execute the software instructions to identify a customer and a merchant based on the received data. The one or more processors may also execute the software instructions to determine an applicable customer service option based on at least the identified merchant and the identified customer, the customer service option including at least an option to activate a credit card secondary benefit, and transmit a notification to the client device, the notification including the customer service option when the identified customer is eligible for the determined customer service option.

Claims

1. A system, comprising:

one or more memory devices storing software instructions; and

one or more processors configured to execute the software instructions to perform operations comprising;

receiving customer data and location data from a client device, the received location data being derived from a Global Positioning System (GPS) device of the client device;

identifying a customer associated with the client device based on the customer data;

identifying a merchant by determining, based on the received location data, the client device is located within a predetermined boundary associated with a location of the merchant;

determining, based on at least the identified merchant and the identified customer, eligibility of the customer for a credit card secondary benefit associated with a good or a service of the merchant;

transmitting, before a transaction with the merchant has occurred and based on the determined eligibility, a notification to the client device, the notification comprising an option for the customer to receive the credit card secondary benefit;

receiving, from the client device, acceptance of the credit card secondary benefit;

receiving information associated with a transaction between the identified customer and the identified merchant for the good or the service associated with the accepted secondary benefit; and

activating the credit card secondary benefit.

2. The system of claim 1, wherein the operations further comprise:

initiating completion of a customer registration process to complete customer eligibility for the credit card secondary benefit.

3. The system of claim 2, wherein completing the customer registration process comprises receiving first eligibility information from the client device.

4. The system of claim 3, wherein the first eligibility information comprises at least one of a picture of a receipt associated with a transaction with the merchant for the good or the service associated with the credit card secondary benefit.

5. The system of claim 1, wherein the transaction information is received from a merchant device associated with the identified merchant.

6. The system of claim 1, wherein the credit card secondary benefit comprises insurance coverage from the merchant associated with at least one of the good or the service.

7. The system of claim 6, wherein the credit card secondary benefit comprises rental car insurance.

8. The system of claim 1, wherein the operations further comprise:

receiving, second eligibility information from the client device, the second eligibility information comprising one or more of product information, service information, or location information;

determining customer eligibility for the credit card secondary benefit based on the second eligibility information; and

transmitting a refined customer service option to the client device.

9. The system of claim 1, wherein the operations further comprise:

determining a cost savings associated with use of the credit card secondary benefit; and

transmitting the cost savings as part of the notification.

10. A method, comprising:

receiving customer data and location data from a client device, the received location data derived from a Global Positioning System (GPS) device of the client device;

identifying a customer associated with the client device based on the received customer data;

identifying a merchant by determining, based on the received location data, the client device is located within a predetermined boundary associated with a location of the merchant;

determining, based on at least the identified merchant and the identified customer, eligibility of the customer for a credit card secondary benefit associated with a good or a service of the merchant;

transmitting, before a transaction with the merchant has occurred and based on the determined eligibility, a notification to the client device, the notification comprising an option for the customer to receive the credit card secondary benefit;

receiving customer input from the client device in response to the notification, the customer input indicating acceptance of the credit card secondary benefit;

receiving information associated with a transaction between the identified customer and the identified merchant for the good or the service associated with the accepted secondary benefit; and

activating the credit card secondary benefit based on the customer input.

11. The method of claim 10, wherein the credit card secondary benefit comprises insurance coverage for at least one of the good or the service associated with the transaction.

12. The method of claim 10, wherein the received transaction information comprises descriptive information associated with a customer purchase.

13. The method of claim 12, wherein the credit card secondary benefit comprises a warranty agreement for the customer purchase.

14. The method of claim 10, wherein the transaction comprises a travel transaction, and wherein the credit card secondary benefit comprises a customer travel benefit.

15. The method of claim 14, wherein the customer travel benefit comprises one or more of trip cancellation insurance or lost-luggage protection.

16. A system, comprising:

one or more memory devices storing software instructions; and

one or more processors configured to execute the software instructions to perform operations comprising;

receiving customer location data, the received customer location data being derived from a Global Positioning System (GPS) device included in a client device;

identifying a customer associated with the client device;

identifying a merchant by determining, based on the received location data, the client device is located within a predetermined boundary associated with a location of the merchant;

transmitting to the client device, before a transaction with the merchant has occurred and in response to the identification of the customer and the merchant, a credit card secondary benefit associated with a good or a service of the merchant;

receiving, by operation of the customer, acceptance of the credit card secondary benefit;

receiving information associated with a transaction between the identified customer and the identified merchant for the good or the service associated with the accepted secondary benefit; and

activating the credit card secondary benefit.

17. The system of claim 16, wherein receiving the information associated with the transaction comprises receiving transaction data from a barcode on a product associated with the transaction.

18. The system of claim 16, wherein the credit card secondary benefit comprises a warranty agreement for a product associated with the transaction.

19. The system of claim 16, wherein the credit card secondary benefit comprises at least one of an offer, a deal, or a coupon for a product associated with the transaction.