SYSTEM FOR PROVIDING OFFERS USING A BILLING STATEMENT
First Claim
Patent Images
1. A method comprising:
- receiving, via a credit card issuing bank device associated with an issuing bank, transaction information indicative of transactions between a consumer and at least one seller,wherein the credit card issuing bank issued a credit card to the consumer;
determining, by the credit card issuing bank device, at least one offer pointer for use by the consumer to review an offer; and
transmitting, by the credit card issuing bank to the consumer, a credit card billing statement that includes the at least one offer pointer and a description of a transaction between the consumer and a seller,wherein the consumer conducted the transaction using the credit card issued to the consumer,wherein the credit card issuing bank previously provided payment of an amount for the transaction to the seller,wherein the description includes an indication of the amount owed by the consumer to the credit card issuing bank for the transaction, andwherein the offer comprises a benefit for the consumer, the benefit comprising a reduction in the amount owed by the consumer to the credit card issuing bank.
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Accused Products
Abstract
A billing statement according to one aspect of the invention includes a description of a transaction and an offer pointer associated with the transaction, wherein the offer pointer includes information that may be used to review an offer. In one example of this aspect, a telephone number or a hyperlink is provided adjacent to a total amount owed listed on a statement (e.g., an electronically-displayed billing statement). The offers reviewed may be customized, for example, based on details of the transaction such as the product purchased or the amount of the purchase, the identity of the consumer, and/or on other data.
58 Citations
17 Claims
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1. A method comprising:
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receiving, via a credit card issuing bank device associated with an issuing bank, transaction information indicative of transactions between a consumer and at least one seller, wherein the credit card issuing bank issued a credit card to the consumer; determining, by the credit card issuing bank device, at least one offer pointer for use by the consumer to review an offer; and transmitting, by the credit card issuing bank to the consumer, a credit card billing statement that includes the at least one offer pointer and a description of a transaction between the consumer and a seller, wherein the consumer conducted the transaction using the credit card issued to the consumer, wherein the credit card issuing bank previously provided payment of an amount for the transaction to the seller, wherein the description includes an indication of the amount owed by the consumer to the credit card issuing bank for the transaction, and wherein the offer comprises a benefit for the consumer, the benefit comprising a reduction in the amount owed by the consumer to the credit card issuing bank. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A system, comprising:
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a processor; a communication device coupled to the processor; and a data storage device operatively coupled to the processor and containing instructions configured to direct the processor to perform; receiving, via a credit card issuing bank device associated with an issuing bank, transaction information indicative of transactions between a consumer and at least one seller, wherein the credit card issuing bank issued a credit card to the consumer; determining, by the credit card issuing bank device, at least one offer pointer for use by the consumer to review an offer; and transmitting, by the credit card issuing bank to the consumer, a credit card billing statement that includes the at least one offer pointer and a description of a transaction between the consumer and a seller, wherein the consumer conducted the transaction using the credit card issued to the consumer, wherein the credit card issuing bank previously provided payment of an amount for the transaction to the seller, wherein the description includes an indication of the amount owed by the consumer to the credit card issuing bank for the transaction, and wherein the offer comprises a benefit for the consumer, the benefit comprising a reduction in the amount owed by the consumer to the credit card issuing bank for the transaction. - View Dependent Claims (16, 17)
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Specification