TRIGGERING OFFERS BASED ON DETECTED LOCATION OF A MOBILE POINT OF SALE DEVICE

• US 20130046635A1
• Filed: 08/19/2011
• Published: 02/21/2013
• Est. Priority Date: 08/19/2011
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Grigg, David M., Calman, Matthew A., Bose, Raja
• Application Number:
  US13/214,004
• Publication Number:
  US 20130046635A1
• Time in Patent Office: Days
• US Class Current: 705/14.58
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]

Abstract

In general terms, embodiments of the invention relate to methods and apparatuses for triggering the broadcast of offers based on the detected location of a mobile point-of-transaction device. For example, a method is provided that includes: (a) receiving transaction information associated with a financial transaction that occurred on a mobile point-of-transaction (“POT”) device; (b) determining, via a computing system, an entity associated with the mobile POT device; (c) determining a current geographic location of the mobile POT device; (d) determining a geographically targeted audience based at least partly on the current geographic location of the mobile POT device for use in transmitting information associated with the entity; and (e) transmitting information associated with the entity at a time triggered by the computing system.

Claims

20. A system for identifying a target audience for receiving information, said system comprising:

a computing system configured for;

receiving transaction information associated with a financial transaction that occurred on a mobile point-of-transaction (“

POT”

) device;

determining an entity associated with the mobile POT device;

determining a current geographic location of the mobile POT device; and

determining a geographically targeted audience based at least partly on the current geographic location of the mobile POT device for use in transmitting information associated with the entity.

21. The system of claim 20, wherein transmitting information associated with the entity comprises transmitting information associated with the entity at a time triggered by the computing system.

22. The system of claim 20, wherein said computing system determines the current geographic location of the mobile POT device based, at least in part, on the financial transaction information received from the mobile POT device.

23. The system of claim 20, wherein said computing system determines the current geographic location of the mobile POT device based, at least in part, on GPS data received from the mobile POT device.

24. The system of claim 20, wherein said computing system determines receives financial transaction information comprising at least an item or service sold, a consumer account, and a holder of the consumer account.

25. The system of claim 20, wherein said computing system is further configured for defining a target area based on the current location of the mobile POT device, and defining the geographically targeted audience based on the target area.

26. The system of claim 20, wherein said computing system is further configured for defining a target area based on a time of day, and defining the geographically targeted audience based on the target area.

27. The system of claim 20, wherein said computing system is further configured for defining a target area based on the current calendar date, and defining the geographically targeted audience based on the target area.

28. The system of claim 20, wherein said computing system is further configured for defining a target area based on a type of good or service associated with the financial transaction, and defining the geographically targeted audience based on the target area.

29. The system of claim 20, wherein said computing system is further configured for defining a target area based on an input from the entity associated with the mobile point-of-transaction device, and defining the geographically targeted audience based on the target area.

30. The system of claim 20, wherein said computing system is further configured for:

determining a projected future geographic location based on the current geographic location of the mobile POT device; and

defining a target area based on the projected geographic location of the mobile POT device, and

defining the geographically targeted audience based on the target area.

31. The system of claim 20, wherein said computing system determines a current geographic location of the mobile POT device by being configured for:

receiving information associated with two or more financial transactions from the mobile POT device, where the information comprises geographic information; and

approximating the current geographic location of the mobile POT device based at least in part on the geographic information associated with the information.

32. The system of claim 20, wherein said computing system determines a current geographic location of the mobile POT device by being configured for:

receiving information associated with a financial transaction from the mobile POT device, where the information comprises consumer account information associated with a consumer participating in the financial transaction;

determining a geographic address associated with the consumer account information; and

approximating the current geographic location of the mobile POT device based at least in part on the geographic address associated with the consumer account information.

33. The system of claim 20, wherein said computing system determines a current geographic location of the mobile POT device by being configured for:

receiving information associated with two or more financial transactions received from the mobile POT device, where the information comprises consumer account information associated with a consumer participating in the respective financial transaction;

determining a geographic address associated with the consumer account information for each of the financial transactions; and

approximating the current geographic location of the mobile POT device based at least in part on the geographic addresses associated with the consumer account information for the two or more financial transactions.

34. The system of claim 20, wherein said computing device is further configured for:

determining a projected future geographic location based at least in part on the current geographic location of the mobile POT device by determining a geographic address associated with two or more financial transactions received from the mobile POT device, where the geographic addresses indicate a projected path of travel for the mobile POT device.

35. The system of claim 20, wherein said computing device is further configured for:

determining a projected future geographic location based at least in part on the current geographic location of the mobile POT device by determining a geographic address associated with a financial transaction received from the mobile POT device and comparing the geographic address with a pre-planned corridor of travel to thereby determine a future geographic location.

36. The system of claim 20, wherein said computing system is further configured for defining a target area by being configured for:

receiving information associated with first and second financial transactions conducted on the mobile POT device, wherein the information contains at least a time of sale;

determining a current geographic location of the mobile POT device where each of the first and second financial transactions occurred;

calculating a rate of travel for the mobile POT device in a given timeframe using, at least in part, time of sale information and the current geographic locations of the mobile POT device associated with the first and second financial transactions; and

defining a target area based at least in part on the calculated rate of travel.

37. The system of claim 20, wherein said computing system is further configured for defining a target area by being configured for:

receiving information associated with first and second financial transactions conducted on the mobile POT device;

determining a current geographic location of the mobile POT device where each of the first and second financial transactions occurred;

determining a direction of travel based on the current geographic location determined for the first and second financial transactions; and

defining a target area based at least in part on the direction of travel.

38. The system of claim 20, wherein said computing system is further configured for defining a target area by being configured for:

receiving information associated with first and second financial transactions conducted on the mobile POT device;

determining a current geographic location of the mobile POT device where each of the first and second financial transactions occurred;

receiving information from one or more responses to a previous transmission of information associated with said entity; and

defining a target area based at least in part on said receiving information from one or more responses to a previous transmission of information associated with said entity.

39. A computer program product for identifying a target audience for receiving information, the computer program product comprising a computer-readable medium having computer readable program instructions stored therein, wherein said computer-readable program instructions comprise:

first instructions configured for receiving transaction information associated with a financial transaction that occurred on a mobile point-of-transaction (“

POT”

) device;

second instructions configured for determining an entity associated with the mobile POT device;

third instructions configured for determining a current geographic location of the mobile POT device; and

fourth instructions configured for determining a geographically targeted audience based at least partly on the current geographic location of the mobile POT device for use in transmitting information associated with the entity.

1. A computer implemented method for identifying a target audience for receiving information comprising:

receiving transaction information associated with a financial transaction that occurred on a mobile point-of-transaction (“

POT”

) device;

determining, via a computing system, an entity associated with the mobile POT device;

determining a current geographic location of the mobile POT device; and

determining a geographically targeted audience based at least partly on the current geographic location of the mobile POT device for use in transmitting information associated with the entity.

2. The method of claim 1, wherein transmitting information associated with the entity comprises transmitting information associated with the entity at a time triggered by the computing system.

3. The method of claim 1, wherein determining the current geographic location of the mobile POT device comprises determining the current geographic location based, at least in part, on the financial transaction information received from the mobile POT device.

4. The method of claim 1, wherein determining the current geographic location of the mobile POT device comprises determining the current geographic location based, at least in part, on GPS data received from the mobile POT device.

5. The method of claim 1, wherein receiving transaction information associated with a financial transaction comprises receiving financial transaction information comprising at least an item or service sold, a consumer account, and a holder of the consumer account.

6. The method of claim 1 further comprising defining a target area based on the current location of the mobile POT device, and wherein said determining a geographically targeted audience comprises defining the geographically targeted audience based on the target area.

7. The method of claim 1 further comprising defining a target area based on a time of day, and wherein said determining a geographically targeted audience comprises defining the geographically targeted audience based on the target area.

8. The method of claim 1 further comprising defining a target area based on the current calendar date, and wherein said determining a geographically targeted audience comprises defining the geographically targeted audience based on the target area.

9. The method of claim 1 further comprising defining a target area based on a type of good or service associated with the financial transaction, and wherein said determining a geographically targeted audience comprises defining the geographically targeted audience based on the target area.

10. The method of claim 1 further comprising defining a target area based on an input from the entity associated with the mobile POT device, and wherein said determining a geographically targeted audience comprises defining the geographically targeted audience based on the target area.

11. The method of claim 1 further comprising:

determining a projected future geographic location based on the current geographic location of the mobile POT device; and

defining a target area based on the projected geographic location of the mobile POT device, and

wherein said determining a geographically targeted audience comprises defining the geographically targeted audience based on the target area.

12. The method of claim 1, wherein determining a current geographic location of the mobile POT device comprises:

receiving information associated with two or more financial transactions from the mobile POT device, where the information comprises geographic information; and

approximating the current geographic location of the mobile POT device based at least in part on the geographic information associated with the information.

13. The method of claim 1, wherein determining a current geographic location of the mobile POT device comprises:

receiving information associated with a financial transaction from the mobile POT device, where the information comprises consumer account information associated with a consumer participating in the financial transaction;

determining a geographic address associated with the consumer account information; and

approximating the current geographic location of the mobile POT device based at least in part on the geographic address associated with the consumer account information.

14. The method of claim 1, wherein determining a current geographic location of the mobile POT device comprises:

receiving information associated with two or more financial transactions received from the mobile POT device, where the information comprises consumer account information associated with a consumer participating in the respective financial transaction;

determining a geographic address associated with the consumer account information for each of the financial transactions; and

approximating the current geographic location of the mobile POT device based at least in part on the geographic addresses associated with the consumer account information for the two or more financial transactions.

15. The method of claim 1 further comprising:

determining a projected future geographic location based at least in part on the current geographic location of the mobile POT device by determining a geographic address associated with two or more financial transactions received from the mobile POT device, where the geographic addresses indicate a projected path of travel for the mobile POT device.

16. The method of claim 1 further comprising:

determining a projected future geographic location based at least in part on the current geographic location of the mobile POT device by determining a geographic address associated with a financial transaction received from the mobile POT device and comparing the geographic address with a pre-planned corridor of travel to thereby determine a future geographic location.

17. The method of claim 1, further comprising defining a target area for transmitting information associated with the entity to users in the target area, said defining a target area comprising:

receiving information associated with first and second financial transactions conducted on the mobile POT device, wherein the information contains at least a time of sale;

determining a current geographic location of the mobile POT device where each of the first and second financial transactions occurred;

calculating a rate of travel for the mobile POT device in a given timeframe using, at least in part, time of sale information and the current geographic locations of the mobile POT device associated with the first and second financial transactions; and

defining a target area based at least in part on the calculated rate of travel.

18. The method of claim 1, further comprising defining a target area for transmitting information associated with the entity to users in the target area, said defining a target area comprising:

receiving information associated with first and second financial transactions conducted on the mobile POT device;

determining a current geographic location of the mobile POT device where each of the first and second financial transactions occurred;

determining a direction of travel based on the current geographic location determined for the first and second financial transactions; and

defining a target area based at least in part on the direction of travel.

19. The method of claim 1, further comprising defining a target area for transmitting information associated with the entity to users in the target area, said defining a target area comprising:

receiving information associated with first and second financial transactions conducted on the mobile POT device;

determining a current geographic location of the mobile POT device where each of the first and second financial transactions occurred;

receiving information from one or more responses to a previous transmission of information associated with said entity; and

defining a target area based at least in part on said receiving information from one or more responses to a previous transmission of information associated with said entity.

40. The computer program product of claim 39, further comprising fifth instructions configured for transmitting information associated with the entity at a time triggered by the fifth instructions.

41. The computer program product of claim 39, wherein said third instructions are configured for determining the current geographic location based, at least in part, on the financial transaction information received from the mobile POT device.

42. The computer program product of claim 39, wherein said third instructions are configured for determining the current geographic location based, at least in part, on GPS data received from the mobile POT device.

43. The computer program product of claim 39, wherein said first instructions are configured for receiving financial transaction information comprising at least an item or service sold, a consumer account, and a holder of the consumer account.

44. The computer program product of claim 39 further comprising fifth instructions configured for defining a target area based on a time of day, and wherein said fourth instructions are configured for defining the geographically targeted audience based on the target area.

45. The computer program product of claim 39 further comprising fifth instructions configured for defining a target area based on the current calendar date, and wherein said fourth instructions are configured for defining the geographically targeted audience based on the target area.

46. The computer program product of claim 39 further comprising fifth instructions configured for defining a target area based on a type of good or service associated with the financial transaction, and wherein said fourth instructions are configured for defining the geographically targeted audience based on the target area.

47. The computer program product of claim 39 further comprising fifth instructions configured for defining a target area based on an input from the entity associated with the mobile point-of-transaction device, and wherein said fourth instructions are configured for defining the geographically targeted audience based on the target area.

48. The computer program product of claim 39 further comprising:

fifth instructions configured for determining a projected future geographic location based on the current geographic location of the mobile POT device; and

sixth instructions configured for defining a target area based on the projected geographic location of the mobile POT device, and

wherein said fourth instructions are configured for defining the geographically targeted audience based on the target area.

49. The computer program product of claim 39, wherein said third instructions for determining a current geographic location of the mobile POT device comprises instructions configured for:

receiving information associated with two or more financial transactions from the mobile POT device, where the information comprises geographic information; and

approximating the current geographic location of the mobile POT device based at least in part on the geographic information associated with the information.

50. The computer program product of claim 39, wherein said third instructions for determining a current geographic location of the mobile POT device comprises instructions configured for:

receiving information associated with a financial transaction from the mobile POT device, where the information comprises consumer account information associated with a consumer participating in the financial transaction;

determining a geographic address associated with the consumer account information; and

approximating the current geographic location of the mobile POT device based at least in part on the geographic address associated with the consumer account information.

51. The computer program product of claim 39, wherein said third instructions for determining a current geographic location of the mobile POT device comprises instructions configured for:

receiving information associated with two or more financial transactions received from the mobile POT device, where the information comprises consumer account information associated with a consumer participating in the respective financial transaction;

determining a geographic address associated with the consumer account information for each of the financial transactions; and

approximating the current geographic location of the mobile POT device based at least in part on the geographic addresses associated with the consumer account information for the two or more financial transactions.

52. The computer program product of claim 39 further comprising:

fifth instructions configured for determining a projected future geographic location based at least in part on the current geographic location of the mobile POT device by determining a geographic address associated with two or more financial transactions received from the mobile POT device, where the geographic addresses indicate a projected path of travel for the mobile POT device.

53. The computer program product of claim 39 further comprising:

fifth instructions configured for determining a projected future geographic location based at least in part on the current geographic location of the mobile POT device by determining a geographic address associated with a financial transaction received from the mobile POT device and comparing the geographic address with a pre-planned corridor of travel to thereby determine a future geographic location.

54. The computer program product of claim 39 further comprising fifth instructions configured for defining a target area for transmitting information associated with the entity to users in the target area, wherein said fifth instructions comprises instructions configured for:

receiving information associated with first and second financial transactions conducted on the mobile POT device, wherein the information contains at least a time of sale;

determining a current geographic location of the mobile POT device where each of the first and second financial transactions occurred;

calculating a rate of travel for the mobile POT device in a given timeframe using, at least in part, time of sale information and the current geographic locations of the mobile POT device associated with the first and second financial transactions; and

defining a target area based at least in part on the calculated rate of travel.

55. The computer program product of claim 39 further comprising fifth instructions configured for defining a target area for transmitting information associated with the entity to users in the target area, wherein said fifth instructions comprises instructions configured for:

receiving information associated with first and second financial transactions conducted on the mobile POT device;

determining a current geographic location of the mobile POT device where each of the first and second financial transactions occurred;

determining a direction of travel based on the current geographic location determined for the first and second financial transactions; and

defining a target area based at least in part on the direction of travel.

56. The computer program product of claim 39 further comprising fifth instructions configured for defining a target area for transmitting information associated with the entity to users in the target area, wherein said fifth instructions comprises instructions configured for:

receiving information associated with first and second financial transactions conducted on the mobile POT device;

determining a current geographic location of the mobile POT device where each of the first and second financial transactions occurred;

receiving information from one or more responses to a previous transmission of information associated with said entity; and

defining a target area based at least in part on said receiving information from one or more responses to a previous transmission of information associated with said entity.

43-1. The computer program product of claim 39 further comprising fifth instructions configured for defining a target area based on the current location of the mobile POT device, and wherein said fourth instructions are configured for defining the geographically targeted audience based on the target area.