Mobile Device Including Mobile Application

• US 20110077951A1
• Filed: 07/09/2010
• Published: 03/31/2011
• Est. Priority Date: 09/30/2009
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Tullis, John
• Application Number:
  US12/833,846
• Publication Number:
  US 20110077951A1
• Time in Patent Office: Days
• US Class Current: 705/1.1
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0255 based on user history

Abstract

Consumers'"'"' purchase transactions are collected and processed to produce purchase transaction history information indicative of purchasing behavior and spending patterns. Computer software applications are identified based on the purchase history information and sent to the consumer'"'"'s mobile devices.

Claims

1. A method of delivering computer applications to a consumer comprising:

storing consumer purchase history information comprising purchase information relating to purchases made by consumers;

storing a plurality of applications, each application comprising computer executable program code, each application being associated with matching information;

a computer identifying a first application from among the plurality of applications for a first consumer using matching information associated with the first application; and

the computer sending the first application to a computing device of the first consumer, wherein the first application is executable on the computing device.

2. The method of claim 1 wherein the identifying further includes using consumer purchase history information associate with at least the first consumer.

3. The method of claim 1 wherein the identifying further includes using consumer purchase history information that is only associated with the first consumer.

4. The method of claim 1 wherein the identifying further includes using information relating to a purchase transaction conducted by the first consumer.

5. The method of claim 1 wherein the matching information comprises one or more of keywords, concepts, or criteria.

6. The method of claim 1 wherein the matching information comprises executable program code.

7. The method of claim 1 wherein the step of sending includes transmitting a notification to the first consumer and receiving an acknowledgement from the first consumer to send the first application.

8. The method of claim 1 further comprising receiving the purchase information in an authorization request associated with a purchase transaction.

9. The method of claim 1 further comprising receiving the purchase information from the merchant.

10. The method of claim 1 further comprising receiving the purchase information from the consumer.

11. The method of claim 1 wherein the first application comprises computer executable program code.

12. A method of providing a computer software application to a mobile communication device comprising:

a server computer system accumulating purchase transaction information relating to a consumer, the purchase transaction information indicative of a plurality of consumer purchases, the purchase transaction information including at least merchant information indicative of a merchant involved in said each consumer purchase and purchased item information indicative of one or more items involved in said each consumer purchase;

the server computer system storing a plurality of computer software applications in a data store;

the server computer system identifying a first computer software application from among the plurality of computer software applications and a first consumer based on the purchase transaction information; and

the server computer system communicating with a communication device of the first consumer to transmit the first computer software application thereto, the first computer software application being executable on the communication device.

13. The method of claim 12 wherein each of the computer software applications is associated with matching information, wherein identifying the first computer software application is based on associated matching information and the purchase transaction information.

14. The method of claim 12 wherein the matching information comprises one or more of keywords, concepts, or criteria.

15. The method of claim 12 wherein the matching information comprises executable program code.

16. The method of claim 12 wherein communicating includes transmitting a notification to the first consumer and receiving an acknowledgement from the first consumer to send the first computer software application.

17. The method of claim 12 wherein the matching information is compared only with consumer purchase history information that is associated with the first consumer.

18. A system comprising:

a computer system;

a first data storage system having stored thereon consumer purchase history information comprising purchase information relating to purchases made by consumers; and

a second data storage system having stored thereon a plurality of applications, each application comprising computer executable program code, each application being associated with matching information;

the computer system comprising computer program code configured to cause the computer system to perform steps of;

identifying a first application from among the plurality of applications;

identifying a first consumer from among the consumers; and

sending the first application to a computing device of the first consumer,

wherein identifying the first application and identifying the first consumer are based on information associated with the first application and the consumer purchase history information of the first consumer,

wherein the first application is executable on the computing device of the first consumer.

19. The system of claim 18 wherein the matching information comprises one or more of keywords, concepts, or criteria.

20. The system of claim 18 wherein the matching information comprises executable program code.