System and method for connectivity contextual services local online experience

• US 10,454,926 B2
• Filed: 10/16/2014
• Issued: 10/22/2019
• Est. Priority Date: 06/27/2014
• Status: Active Grant

• Current Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Bruno, John, Basheerahammed, Sibish Neelikattil
• Primary Examiner(s): Stoltenberg, David J
• Assistant Examiner(s): Johnson, Robert C
• Application Number:
  US14/515,813
• Publication Number:
  US 20150381664A1
• Time in Patent Office: 1,832 Days
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 30/0253 During e-commerce, i.e. online transactions
• CPC Class Codes: H04L 63/0861 using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231

Abstract

A connectivity contextual services ecosystem management system may comprise a connectivity contextual services connectivity system, one or more user devices, and one or more merchant devices. The connectivity contextual services connectivity system may deliver different connectivity contextual services to a user device and/or a merchant device in response to a context environment, in order to provide a user with a customized experience, such as allowing that user to enter into conversations with merchants, view inventory of merchants, and search for merchants with relevant products without entering a physical store.

Claims

1. A connectivity contextual services ecosystem management system comprising:

a connectivity contextual services connectivity system comprising;

a merchant targeting data database comprising connectivity directives indicating which of a plurality of connectivity contextual services to provide in response to a context environment comprising connectivity context characteristics;

a connectivity services repository comprising a database of connectivity contextual services; and

a management engine configured to identify the context environment in response to the connectivity context characteristics and to provide connectivity contextual services from the connectivity services repository in response to the connectivity directives,

wherein the connectivity services repository communicates with the management engine,

wherein the management engine provides a user with a dynamic, real-time connectivity contextual services experience in response to the context environment, and

wherein the management engine performs operations of;

evaluating, in response to the user at least one of initiating a transaction between a user portable device of the user and a merchant or the user portable device is in range of the merchant, the context environment,

wherein the context environment includes whether the user portable device entered a store of the merchant, whether the user portable device is located within the store of the merchant, whether the user authorized a payment on the user portable device, whether the user opened an application on the user portable device, and whether the user portable device scanned a SKU for a product;

determining information about the user portable device involved in the transaction;

determining information about software on the user portable device that was 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 a type of a promotional input by the merchant;

determining a date and time of the transaction;

determining, dynamically and in real-time using machine learning techniques and feedback loops, a promotion applicable to the user based on the context environment, information about the user portable device, the information about software, the characteristics of the user, the characteristics of the transaction, the physical locations of the user, the type of the promotional input, 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;

determining, dynamically and in real-time using the machine learning techniques and the feedback loops, customized content applicable to the user based on the context environment, the information about the user portable device, the information about software, the characteristics of the user, the characteristics of the transaction, the physical locations of the user portable device, the type of the promotional input, the date of the transaction, the time of the transaction, the risk analysis of the user, merchants visited by the user portable device, 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 portable device in a social media channel, activities by the user portable device in an entertainment channel, activities by the user portable device in the reservation channel and activities by the user portable device in the review channel;

identifying whether the context environment links to a merchant service of the merchant;

providing, dynamically and in real-time, inventory data to the user portable device for display on the user portable device;

providing, dynamically and in real-time, the customized content to the user portable device for display on the user portable device;

providing, dynamically and in real-time, the promotion to the user portable device for display on the user portable device;

applying, in response to the context environment linking to the merchant service of the merchant, the promotion to the transaction dynamically and in real-time;

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

distributing the information about the payment amount to the user;

receiving a transaction authentication comprising a user fingerprint;

processing the transaction in response to the receiving; and

transmitting a transaction confirmation.

2. The connectivity contextual services ecosystem management system of claim 1, further comprising a network configured to communicate with the user portable device.

3. The connectivity contextual services ecosystem management system of claim 1 further comprising a network configured to communicate with a merchant device.

4. The connectivity contextual services ecosystem management system of claim 1, wherein the connectivity contextual services comprises at least one of:

conversation services, transactional services, display services or authentication services.

5. The connectivity contextual services ecosystem management system of claim 1, wherein the connectivity contextual services comprise conversation services comprising at least one of:

two-way real-time chat between the user portable device and a merchant device, delivery of stored messages from the merchant device to the user portable device, or delivery of user instructions from the user portable device to the merchant device.

6. The connectivity contextual services ecosystem management system of claim 5, wherein the conversation services are delivered via a social media channel.

7. The connectivity contextual services ecosystem management system of claim 1, wherein the connectivity contextual services comprise authentication services comprising mechanisms of confirming a user identity comprising at least one of:

biometric authentication comprising fingerprinting, a payment card swipe, a pin number, an identification photograph or a user location.

8. The connectivity contextual services ecosystem management system of claim 1, wherein the connectivity context characteristics comprise:

information provided by third parties comprising at least one of;

merchants, social media, credit reporting agencies, or payment processors; and

user location data comprising at least one of;

present user device location, past user portable device location, or changes in the user portable device location.

9. The connectivity contextual services ecosystem management system of claim 1, wherein the context environment comprises triggers, wherein the triggers comprise a user location and a user dormancy status.

10. A method comprising:

recognizing, by a computer-based system, a merchant device connected to a connectivity contextual services connectivity system;

identifying, by the computer-based system, an identity of a merchant associated with the merchant device in response to the recognizing;

receiving, by the computer-based system, a query from a user portable device;

determining, by the computer-based system, that the merchant associated with the merchant device is a corresponding merchant to the query;

prioritizing, by the computer-based system, the merchant in a response to the query;

returning, by the computer-based system dynamically and in real-time, the response to the user portable device;

identifying, by the computer-based system, a user identity in response to a user confirming the user identity via the user portable device;

determining, by the computer-based system dynamically and in real-time, connectivity contextual services to deliver to the user portable device and the merchant device in response to the identifying;

instantiating, by the computer-based system dynamically and in real-time, a user-merchant session and delivering the connectivity contextual services to the user portable device and the merchant device;

changing, by the computer-based system dynamically and in real-time, the connectivity contextual services delivered to the user portable device and the merchant device in response to the user portable device moving from a first location to a second location;

evaluating, by the computer-based system dynamically and in real-time, a context environment of the user portable device,

wherein the context environment includes whether the user portable device entered a store of the merchant, whether the user portable device is located within the store of the merchant, whether the user authorized a payment on the user portable device, whether the user opened an application on the user portable device, and whether the user portable device scanned a SKU for a product;

determining, by the computer-based system dynamically and in real-time, information about the user portable device involved in a transaction;

determining, by the computer-based system, information about software on the user portable device that was involved in the transaction;

determining, by the computer-based system, characteristics of the user conducting the transaction;

determining, by the computer-based system, characteristics of the transaction;

determining, by the computer-based system, physical locations of the user, the merchant and location technology;

determining, by the computer-based system, a type of a promotional input by the merchant;

determining, by the computer-based system, a date and time of the transaction;

determining, by the computer-based system dynamically and in real-time using machine learning techniques and feedback loops, a promotion applicable to the user based on the context environment, information about the user portable device, the information about software, the characteristics of the user, the characteristics of the transaction, the physical locations of the user, the type of the promotional input, 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;

determining, by the computer-based system dynamically and in real-time using the machine learning techniques and the feedback loops, customized content applicable to the user based on the context environment, the information about the user portable device, the information about software, the characteristics of the user, the characteristics of the transaction, the physical locations of the user portable device, the type of the promotional input, the date of the transaction, the time of the transaction, the risk analysis of the user, merchants visited by the user portable device, 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 portable device in a social media channel, activities by the user portable device in an entertainment channel, activities by the user portable device in the reservation channel and activities by the user portable device in the review channel;

identifying, by the computer-based system, whether the context environment links to a merchant service of the merchant;

providing, by the computer-based system dynamically and in real-time, inventory data to the user portable device for display on the user portable device;

providing, by the computer-based system dynamically and in real-time, the customized content to the user portable device for display on the user portable device;

providing, by the computer-based system, the promotion to the user portable device for display on the user portable device;

applying, by the computer-based system and in response to the context environment linking to the merchant service of the merchant, the promotion to the transaction dynamically and in real-time;

determining, by the computer-based system and based on the promotion, information about payment amount for the product;

distributing, by the computer-based system, the information about the payment amount to the user;

receiving, by the computer-based system, a transaction authentication comprising a user fingerprint;

processing, by the computer-based system, the transaction in response to the receiving; and

transmitting, by the computer-based system, a transaction confirmation.

11. The method according to claim 10, wherein the connectivity contextual services comprise conversation services.

12. The method according to claim 11, wherein the conversation services are delivered via a social media channel.

13. The method according to claim 10, wherein the identifying the user identity further comprises determining a location of the user.

14. The method according to claim 10, wherein the first location is outside a premises of the merchant and the second location is inside the premises of the merchant.

15. The method according to claim 10, wherein the second location is outside a premises of the merchant and the first location is inside the premises of the merchant.

16. A non-transitory computer program product having computer-executable instructions stored thereon that, if executed by a computer-based system, causes the computer-based system to be capable of performing operations comprising:

recognizing, by the computer-based system, a merchant device connected to a connectivity contextual services connectivity system;

identifying, by the computer-based system, an identity of a merchant associated with the merchant device in response to the recognizing;

receiving, by the computer-based system, a query from a user portable device;

determining, by the computer-based system, that the merchant associated with the merchant device is a corresponding merchant to the query;

prioritizing, by the computer-based system, the merchant in a response to the query;

returning, by the computer-based system dynamically and in real-time, the response to the user portable device;

identifying, by the computer-based system, a user identity in response to a user confirming the user identity via the user portable device;

determining, by the computer-based system dynamically and in real-time, connectivity contextual services to deliver to the user portable device and the merchant device in response to the identifying;

instantiating, by the computer-based system dynamically and in real-time, a user-merchant session and delivering the connectivity contextual services to the user portable device and the merchant device;

changing, by the computer-based system dynamically and in real-time, the connectivity contextual services delivered to the user portable device and the merchant device in response to the user portable device moving from a first location to a second location;

evaluating, by the computer-based system dynamically and in real-time, a context environment of the user portable device,

wherein the context environment includes whether the user portable device entered a store of the merchant, whether the user portable device is located within the store of the merchant, whether the user authorized a payment on the user portable device, whether the user opened an application on the user portable device, and whether the user portable device scanned a SKU for a product;

determining, by the computer-based system dynamically and in real-time, information about the user portable device involved in a transaction;

determining, by the computer-based system, information about software on the user portable device that was involved in the transaction;

determining, by the computer-based system, characteristics of the user conducting the transaction;

determining, by the computer-based system, characteristics of the transaction;

determining, by the computer-based system, physical locations of the user, the merchant and location technology;

determining, by the computer-based system, a type of a promotional input by the merchant;

determining, by the computer-based system, a date and time of the transaction;

determining, by the computer-based system dynamically and in real-time using machine learning techniques and feedback loops, a promotion applicable to the user based on the context environment, information about the user portable device, the information about software, the characteristics of the user, the characteristics of the transaction, the physical locations of the user, the type of the promotional input, 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;

determining, by the computer-based system dynamically and in real-time using the machine learning techniques and the feedback loops, customized content applicable to the user based on the context environment, the information about the user portable device, the information about software, the characteristics of the user, the characteristics of the transaction, the physical locations of the user portable device, the type of the promotional input, the date of the transaction, the time of the transaction, the risk analysis of the user, merchants visited by the user portable device, 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 portable device in a social media channel, activities by the user portable device in an entertainment channel, activities by the user portable device in the reservation channel and activities by the user portable device in the review channel;

identifying, by the computer-based system, whether the context environment links to a merchant service of the merchant;

providing, by the computer-based system dynamically and in real-time, inventory data to the user portable device for display on the user portable device;

providing, by the computer-based system dynamically and in real-time, the customized content to the user portable device for display on the user portable device;

providing, by the computer-based system, the promotion to the user portable device for display on the user portable device;

applying, by the computer-based system and in response to the context environment linking to the merchant service of the merchant, the promotion to the transaction dynamically and in real-time;

determining, by the computer-based system and based on the promotion, information about payment amount for the product;

distributing, by the computer-based system, the information about the payment amount to the user;

receiving, by the computer-based system, a transaction authentication comprising a user fingerprint;

processing, by the computer-based system, the transaction in response to the receiving; and

transmitting, by the computer-based system, a transaction confirmation.

17. The non-transitory computer program product according to claim 16, wherein the connectivity contextual services comprise conversation services.

18. The non-transitory computer program product according to claim 17, wherein the conversation services are delivered via a social media channel.

19. The non-transitory computer program product according to claim 16, wherein the identifying the user further comprises determining a location of the user.

20. The non-transitory computer program product according to claim 16, wherein the first location is outside a premises of the merchant and the second location is inside the premises of the merchant.