APPARATUSES, METHODS, AND COMPUTER PROGRAM PRODUCTS ENABLING ASSOCIATION OF RELATED PRODUCT DATA AND EXECUTION OF TRANSACTION
First Claim
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1. A computer-implemented method, comprising:
- receiving information related to an object of interest from a client device;
identifying the object of interest;
identifying at least one payment account to associate with the object of interest;
identifying at least one base price at which at least one retailer offers the object of interest;
searching for purchase incentives, including one or more of an offer and a reward associated with one or more of the object of interest, the at least one retailer, and the at least one payment account;
constructing one or more purchase solutions for the object of interest, each purchase solution including a base price and one or more of a payment account and a purchase incentive;
computing a net cost of the object of interest for each of the purchase solutions;
identifying the purchase solution having the lowest net cost; and
sending to the client device at least the lowest net cost purchase solution and a user-selectable prompt to purchase the object of interest in accordance with the lowest net cost purchase solution, including an instruction to cause the client device to display the lowest net cost purchase solution and the user-selectable prompt within a single display page of the client device.
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Abstract
Upon receiving a request for an object of interest, a client device can automatically: (a) display the combination of a retailer, the selection of a payment account, any qualifying offers, and any qualifying rewards which can yield the lowest net price; and/or (b) execute a purchase of the object of interest using the selected payment account and redeeming the qualifying offers and/or rewards.
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Citations
21 Claims
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1. A computer-implemented method, comprising:
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receiving information related to an object of interest from a client device; identifying the object of interest; identifying at least one payment account to associate with the object of interest; identifying at least one base price at which at least one retailer offers the object of interest; searching for purchase incentives, including one or more of an offer and a reward associated with one or more of the object of interest, the at least one retailer, and the at least one payment account; constructing one or more purchase solutions for the object of interest, each purchase solution including a base price and one or more of a payment account and a purchase incentive; computing a net cost of the object of interest for each of the purchase solutions; identifying the purchase solution having the lowest net cost; and sending to the client device at least the lowest net cost purchase solution and a user-selectable prompt to purchase the object of interest in accordance with the lowest net cost purchase solution, including an instruction to cause the client device to display the lowest net cost purchase solution and the user-selectable prompt within a single display page of the client device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. An apparatus, comprising:
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a system to receive information related to an object of interest from a client device; a system to identify the object of interest; a system to identify at least one payment account to associate with the object of interest; a system to identify at least one base price at which at least one retailer offers the object of interest; a system to search for purchase incentives, including one or more of an offer and a reward associated with one or more of the object of interest, the at least one retailer, and the at least one payment account; a system to construct one or more purchase solutions for the object of interest, each purchase solution including a base price and one or more of a payment account and a purchase incentive; a system to compute a net cost of the object of interest for each of the purchase solutions; a system to identify the purchase solution having the lowest net cost; and a system to send to the client device at least the lowest net cost purchase solution and a user-selectable prompt to purchase the object of interest in accordance with the lowest net cost purchase solution, including an instruction to cause the client device to display the lowest net cost purchase solution and the user-selectable prompt within a single display page of the client device.
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20. A computer program product comprising a computer readable medium having computer program product logic stored thereon, including:
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logic to cause a processor to receive information related to an object of interest from a client device; logic to cause the processor to identify the object of interest; logic to cause the processor to identify at least one payment account to associate with the object of interest; logic to cause the processor to identify at least one base price at which at least one retailer offers the object of interest; logic to cause the processor to search for purchase incentives, including one or more of an offer and a reward associated with one or more of the object of interest, the at least one retailer, and the at least one payment account; logic to cause the processor to construct one or more purchase solutions for the object of interest, each purchase solution including a base price and one or more of a payment account and a purchase incentive; logic to cause the processor to compute a net cost of the object of interest for each of the purchase solutions; logic to cause the processor to identify the purchase solution having the lowest net cost; and logic to cause the processor to send to the client device at least the lowest net cost purchase solution and a user-selectable prompt to purchase the object of interest in accordance with the lowest net cost purchase solution, including an instruction to cause the client device to display the lowest net cost purchase solution and the user-selectable prompt within a single display page of the client device.
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21-71. -71. (canceled)
Specification