METHOD OF PROVIDING AN OFFER BASED ON PROXIMITY TO A POINT OF SALE TRANSACTION

• US 20130046602A1
• Filed: 08/17/2011
• Published: 02/21/2013
• Est. Priority Date: 08/17/2011
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Grigg, David M., Calman, Matthew A., Bose, Raja, Ross, Erik Stephen
• Application Number:
  US13/212,009
• Publication Number:
  US 20130046602A1
• Time in Patent Office: Days
• US Class Current: 705/14.25
• CPC Class Codes: G06Q 30/0261 based on user location

Abstract

Embodiments of the invention include systems, methods, and computer-program products that provide for a unique offer system, wherein the offer is generated based on proximity to a point-of-transaction device. In one embodiment of the invention, the computer-implemented method receives data associated with a financial transaction at a point-of-transaction device. The computer-implemented method then identifies the identity of the user conducting the transaction and the location of the transaction. Using the location of transaction, the computer-implemented method determines offers located in proximity to the user and provides those offers to the user. In some embodiments, the offers are customized for the user based on some characteristic of the transaction or the user. In further embodiments, the user is guided to a business associated with the offer by directions provided by the computer-implemented method.

Claims

1. A computer-implemented method of providing an offer based on proximity to a point-of-transaction device, the method comprising:

receiving data associated with a transaction at a point-of-transaction device, wherein the data includes financial account information;

identifying, via a computing device processor, a user associated with the financial account information;

determining, via a computing device processor, a location of the point-of-transaction device; and

providing an offer to the user based at least in part on the location of the point-of-transaction device.

2. The computer-implemented method of claim 1, further comprising selecting, via a computing device processor, the offer from a plurality of offers based on proximity to the point-of-transaction device.

3. The computer-implemented method of claim 2, wherein the proximity to the point-of-transaction device is based on a path analysis in an automobile.

4. The computer-implemented method of claim 2, wherein the proximity to the point-of-transaction device is based on a travel time analysis.

5. The computer-implemented method of claim 1, further comprising customizing, via a computing device processor, the offer for the user based on at least one previous financial transaction of the user.

6. The computer-implemented method of claim 5, wherein customizing the offer further comprises analyzing, via a computing device processor, the at least one previous financial transaction of the user, and determining the offer to provide to the user based on the at least one financial transaction.

7. The computer-implemented method of claim 1, wherein receiving data associated with the transaction at the point-of-transaction device further comprises receiving payor account data and payee account data.

8. The computer-implemented method of claim 1, wherein identifying the user associated with the financial account information further comprises identifying, via a computing device processor, a financial account associated with the financial account information and determining, via a computing device processor, the user associated with the financial account.

9. The computer-implemented method of claim 8, further comprising determining, via a computing device processor, contact information for the user, wherein the contact information is selected from the group consisting of a telephone number, an email address, and a social networking ID.

10. The computer-implemented method of claim 1, wherein determining the location of the point-of-transaction device comprises determining at least one of geographic coordinates of the point-of-transaction device, a street address of the point-of-transaction device, and a locality of the point-of transaction device.

11. The computer-implemented method of claim 1, wherein providing the offer to the user further comprises sending the offer to the user by a contact channel, wherein the contact channel is selected from the group consisting of a telephone number, an email address, and a social networking ID.

12. The computer-implemented method of claim 1, further comprising providing, via a computing device processor, directions to a business associated with the offer.

13. The computer-implemented method of claim 1, further comprising providing, via a computing device processor, an address to a business associated with the offer.

14. A system for providing an offer based on proximity to a point-of-transaction device, the system comprising:

a computing platform including a processor and a memory;

an identification routine stored in the memory, executable by the processor and configured to identify a user and a location of at least one point-of-transaction device associated with an offer, wherein the point-of-transaction device is in proximity to the user;

a proximity database stored in the memory and configured to provide data associated with the location of the point-of-transaction device;

an offer selection routine stored in the memory, executable by the processor and configured to determine an offer to provide to the user based on proximity to the point-of-transaction device; and

an offer providing routine stored in the memory, executable by the processor and configured to provide the offer to the user.

15. The system of claim 14, wherein the data provided by the proximity database includes a point-of-transaction device in proximity to the user.

16. The system of claim 15, wherein the point-of-transaction device is in proximity to the user when the point-of-transaction device is the nearest point-of-transaction device associated with an offer to the user.

17. The system of claim 15, wherein the point-of-transaction device is in proximity to the user when the point-of-transaction device would take the least amount of time to reach for the user.

18. The system of claim 14, further comprising a direction providing routine stored in the memory, executable by the processor and configured to provide directions in how to get to the point-of-transaction device associated with the offer to the user.

19. The system of claim 18, wherein the direction providing routine provides turn by turn directions to the user.

20. The system of claim 14, further comprising an offer customization routine stored in the memory, executable by the processor and configured to customize the offer for the user based at least in part on financial history of the user.

21. The system of claim 20, wherein the offer is customized by preferentially providing offers to businesses which the user is known to have patronized.

22. The system of claim 20, wherein the offer is customized by modifying the offers based on a characteristic of the transaction, wherein the characteristic is at least one of an account balance of the user, a residence of the user, a time of the transaction, a category for the point-of-transaction device, an amount of the transaction, and a frequency of the transaction.

23. A computer program product for providing an offer based on proximity to a point-of-transaction device, the computer program product comprising:

a computer-readable medium comprising;

a first set of codes for causing a computer to receive data associated with a transaction at a point-of-transaction device, wherein the data comprises financial account information;

a second set of codes for causing a computer to identify a user conducting the transaction from the financial account information;

a third set of codes for causing a computer to determine a location of the point-of-transaction device;

a fourth set of codes for causing a computer to determine an offer in proximity to the point-of-transaction device; and

a fifth set of codes for causing a computer to provide the offer to the user.

24. The computer program product of claim 23, wherein the data include financial account information for the user.

25. The computer program product of claim 23, further comprising a sixth set of codes for causing a computer to customize the offer for the user.

26. The computer program product of claim 25, wherein the offer is a coupon for a business, and wherein the value of the coupon is dependent upon the amount of the transaction.

27. The computer program product of claim 25, wherein the offer is customized based on the category of the transaction.

28. The computer program product of claim 25, wherein the offer is customized based on the time of the transaction.

29. The computer program product of claim 23, wherein the offer is provided to the user by at least one of a text message, a phone call, an email, and a social networking contact.

30. The computer program product of claim 23, further comprising a seventh set of codes for causing a computer to provide directions to a business associated with the offer.

31. The computer program product of claim 30, wherein the directions are provided to the user in an email.

32. The computer program product of claim 23, further comprising evaluating a second transaction at a second point-of-transaction device and providing a second offer to the user based on the first transaction and the second transaction.

33. The computer program product of claim 23, further comprising:

an eighth set of codes for causing a computer to associate the data with a financial account of a user; and

a ninth set of codes for causing a computer to identify contact information for the user associated with the financial account.

34. The computer program product of claim 23, wherein the computer-readable medium is stored on a mobile device of the user.

35. The computer program product of claim 23, wherein the offer is selected from a plurality of offers based at least in part on a social network of the user.

36. The computer program product of claim 23, wherein the offer is selected from a plurality of offers based at least in part on acceptance of related offers by the user.