OFFER MODIFICATION BASED ON CIRCUMSTANCES
First Claim
1. A system for modifying an offer having an initial offer value, comprising:
- a processing device;
a computer-readable memory storing computer-executable instruction code to cause the processing device to;
present the offer on a display to a user logged into an online banking website, comprising presenting the offer in between two entries in a transaction history of the user;
receive user input selecting the offer, thereby indicating initial offer activation;
determine a first time associated with initial offer activation;
determine a period of time corresponding to a life of the offer;
initiate a clock counting down the period of time;
receive a communication indicating that the offer has been redeemed;
determine a second time associated with offer redemption; and
calculate, in response to receiving the communication, a modified offer value based on the first time, the second time, the initial offer value and the life of the offer.
3 Assignments
0 Petitions
Accused Products
Abstract
Embodiments of the invention are directed to systems, methods and computer program products for modifying an offer having an initial offer value including the steps of determining a first time associated with initial offer acceptance, determining a period of time corresponding to a life of the offer, initiating a clock counting down the period of time, receiving a communication indicated that the offer has been redeemed, determining a second time associated with offer redemption, and calculating, in response to receiving the communication, a modified offer value based on the first time, the second time, the initial offer value and the life of the offer.
16 Citations
20 Claims
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1. A system for modifying an offer having an initial offer value, comprising:
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a processing device; a computer-readable memory storing computer-executable instruction code to cause the processing device to; present the offer on a display to a user logged into an online banking website, comprising presenting the offer in between two entries in a transaction history of the user; receive user input selecting the offer, thereby indicating initial offer activation; determine a first time associated with initial offer activation; determine a period of time corresponding to a life of the offer; initiate a clock counting down the period of time; receive a communication indicating that the offer has been redeemed; determine a second time associated with offer redemption; and calculate, in response to receiving the communication, a modified offer value based on the first time, the second time, the initial offer value and the life of the offer. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer program product for modifying an offer having an initial offer value, the computer program product comprising a non-transitory computer-readable medium comprising instructions, the instructions comprising:
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instructions for presenting the offer on a display to a user logged into an online banking website, comprising presenting the offer in between two entries in a transaction history of the user; instructions for receiving user input selecting the offer, thereby indicating initial offer activation; instructions for determining a first time associated with initial offer activation; instructions for determining a period of time corresponding to a life of the offer; instructions for initiating a clock counting down the period of time; instructions for receiving a communication indicating that the offer has been redeemed; instructions for determining a second time associated with offer redemption; and instructions for calculating, in response to receiving the communication, a modified offer value based on the first time, the second time, the initial offer value and the life of the offer. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A method for modifying an offer having an initial offer value, comprising:
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presenting, using a processing device, the offer on a display to a user logged into an online banking website, comprising presenting the offer in between two entries in a transaction history of the user; receiving user input selecting the offer, thereby indicating initial offer activation; determining, using a processing device, a first time associated with initial offer activation; determining, using a processing device, a period of time corresponding to a life of the offer; initiating, using a processing device, a clock counting down the period of time; receiving a communication indicating that the offer has been redeemed; determining a second time associated with offer redemption; and calculating, in response to receiving the communication and using a processing device, a modified offer value based on the first time, the second time, the initial offer value and the life of the offer. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification