INTEGRATED MERCHANT OFFER PROGRAM AND CUSTOMER SHOPPING THROUGH ONLINE BANKING STATEMENT OFFERS
First Claim
1. A system for providing merchant offers, comprising:
- a memory device;
a communication device; and
a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute computer-readable program code to;
access account information for a customer from one or more customer accounts at an institution;
determine an offer for the customer based at least in part on the account information from the institution; and
provide the offer to the customer at a customer computer system through an account interface.
1 Assignment
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Accused Products
Abstract
Embodiments of the invention include a merchant offer program application, which is downloaded onto or accessed through a customer computer, and that works in connection with the customer'"'"'s accounts at an institution. The merchant offer program application monitors the content in which the customer is interested (i.e. through account transaction history, wish list, website content, etc.). The merchant offer program provides offers that are available for the product in which the customer is interested on an interface, such as an online banking transaction history interface. The offers are associated with the same, similar, or related products to the products associated with the transactions listed on the interface. The customer may select the offer and have the offer (i.e. discount) applied automatically when the customer enters a transaction for the product associated with the offer in the future.
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Citations
48 Claims
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1. A system for providing merchant offers, comprising:
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a memory device; a communication device; and a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute computer-readable program code to; access account information for a customer from one or more customer accounts at an institution; determine an offer for the customer based at least in part on the account information from the institution; and provide the offer to the customer at a customer computer system through an account interface. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A computer program product for a merchant offer program system, the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:
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an executable portion configured for accessing account information for a customer from one or more customer accounts at an institution; an executable portion configured for determining an offer for the customer based at least in part on the account information from the institution; and an executable portion configured for providing the offer to the customer at a customer computer system through an account interface. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32)
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33. A method for using an integrated merchant offer program for customer shopping, the method comprising:
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accessing account information for a customer from one or more customer accounts at an institution; determining, through the use of a processing device, an offer for the customer based at least in part on the account information from the institution; and providing the offer to the customer at a customer computer system through an account interface. - View Dependent Claims (34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48)
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Specification