PREDICTING FUTURE TRAVEL BASED ON A USER'S HISTORICAL FINANCIAL INSTITUTION TRANSACTION DATA AND PROVIDING OFFERS BASED ON THE PREDICTED FUTURE TRAVEL
First Claim
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1. A method for providing travel-related information to a predicted traveler, the method comprising:
- retrieving, via a computing device processor, a user'"'"'s historical financial institution transaction data including historical travel data;
predicting, via a computing device processor, future travel for the user based on the historical travel data;
identifying, via a computing device processor, travel-related information associated with the predicted future travel; and
communicating, via a computing device, the travel-related information to the user.
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Abstract
Methods, apparatus and computer-program products are described for providing travel-location merchant offers to users who are determined to be travelling based on Point-Of-Sale (POS) transaction data. Embodiments of the invention compare the location of the POS transaction to the user'"'"'s domicile location and if the transaction occurs a predetermined distance or greater from the domicile location, the user is determined to be travelling. Once the travelling determination is made, travel-location merchant offers are identified and communicated to the user.
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Citations
36 Claims
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1. A method for providing travel-related information to a predicted traveler, the method comprising:
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retrieving, via a computing device processor, a user'"'"'s historical financial institution transaction data including historical travel data; predicting, via a computing device processor, future travel for the user based on the historical travel data; identifying, via a computing device processor, travel-related information associated with the predicted future travel; and communicating, via a computing device, the travel-related information to the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. An apparatus configured for providing travel-related information to a predicted traveler, the apparatus comprising:
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a computing platform including a memory and at least one processor in communication with the memory; a travel prediction module stored in the memory, executable by the processor and configured to retrieve a user'"'"'s historical financial institution transaction data including historical travel data and predict future travel for the user based on the historical travel data; and a travel information module stored in the memory, executable by the processor and configured to identify travel-related information associated with the predicted future travel and initiate communication of the travel-related information to the user. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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25. A computer program product including a non-transitory computer-readable medium, the medium comprising:
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a first set of codes for causing a computer to retrieve a user'"'"'s historical financial institution transaction data including historical travel data; a second set of codes for causing a computer to predict future travel for the user based on the historical travel data; a third set of codes for causing a computer to identify travel-related information associated with the predicted future travel; and a fourth set of codes for causing a computer to initiate communication of the travel-related information to the user. - View Dependent Claims (26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36)
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Specification