APPARATUS AND METHOD FOR LEVERAGING GEOGRAPHIC LOCATION IN SENDING ELECTRONIC TRANSMISSIONS

• US 20140067512A1
• Filed: 09/04/2012
• Published: 03/06/2014
• Est. Priority Date: 09/04/2012
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Hanson, Carrie A., Bajaj, Hitesh, Bondesen, Laura C., Chen, Nicole, Enscoe, Scott R., Grigg, David M., Kopelow, Leo, Li, Yameng, Newman, Brett, Overcash, Sarah, Sharp, Nicholas, Warshawsky, Marc L., Wittkowski, Alexander C., Wolf, Jon R.
• Application Number:
  US13/602,828
• Publication Number:
  US 20140067512A1
• Time in Patent Office: Days
• US Class Current: 705/14.35
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising

Abstract

According to one embodiment, an apparatus may store a user account and a points balance associated with the user account. The apparatus may determine a geographic location of a user associated with the user account and communicate, based at least in part upon the geographic location, an offer for a product. The offer may be associated with an expiration time. The product may be associated with a points price. The points balance may be at least equal to the points price. The apparatus may receive a signal indicating an acceptance of the offer. The signal may be associated with a timestamp and with the user account. The timestamp may indicate a time that is at least as early as the expiration time. The apparatus may communicate a second signal indicating that the user can receive the product.

Claims

1. An apparatus comprising:

a memory operable to;

store a user account; and

store a points balance associated with the user account; and

a processor communicatively coupled to the memory and operable to;

determine a geographic location of a user associated with the user account;

communicate, based at least in part upon the geographic location, an offer for a product, wherein;

the offer is associated with an expiration time;

the product is associated with a points price; and

the points balance is at least equal to the points price;

receive a signal indicating an acceptance of the offer, wherein;

the signal is associated with a timestamp and with the user account; and

the timestamp indicates a time that is at least as early as the expiration time; and

communicate a second signal indicating that the user can receive the product.

2. The apparatus of claim 1, wherein:

the offer is associated with a discount points price that is less than the points price; and

the processor is further operable to communicate an alert in order to make the user aware of the discount points price.

3. The apparatus of claim 1, wherein the processor is further operable to:

issue a challenge associated with a plurality of user accounts, wherein the challenge is further associated with the product;

receive a response to the challenge, wherein the response is associated with at least one user account from the plurality of user accounts;

determine that the response properly responds to the challenge; and

send a third signal indicating that a user associated with the at least one user account can receive the product in response to the determination that the response properly responds to the challenge.

4. The apparatus of claim 3, wherein:

the challenge comprises a question; and

determining that the response properly responds to the challenge comprises;

determining that the response is a correct answer to the question; and

determining that the response was received before any other response that correctly answers the question.

5. The apparatus of claim 3, wherein:

the challenge comprises an action; and

determining that the response properly responds to the challenge comprises;

determining that the response indicates the performance of the action; and

determining that the response was received before any other response that indicates the performance of the action.

6. The apparatus of claim 5, wherein the action comprises at least one of paying a bill, checking a balance, and making a purchase.

7. The apparatus of claim 3, wherein the processor is further operable to issue the challenge according to a predetermined period of time.

8. The apparatus of claim 1, wherein the product comprises at least one of a coupon, a points bonus to be added to the points balance, and a cash back offer.

9. The apparatus of claim 1, wherein the processor is further operable to communicate an alert in order to make the user aware of the offer.

10. The apparatus of claim 9, wherein the processor is further operable to communicate the alert in response to the determination that the geographic location of the user is within a predetermined distance of a store associated with the offer.

20. The apparatus of claim 9, wherein the processor is further operable to communicate the alert in response to the determination that the geographic location of the user is within a predetermined distance of a store associated with the offer.

11. A method comprising:

storing a user account; and

storing a points balance associated with the user account; and

determining a geographic location of a user associated with the user account;

communicating, based at least in part upon the geographic location, an offer for a product, wherein;

the offer is associated with an expiration time;

the product is associated with a points price; and

the points balance is at least equal to the points price;

receiving a signal indicating an acceptance of the offer, wherein;

the signal is associated with a timestamp and with the user account; and

the timestamp indicates a time that is at least as early as the expiration time; and

communicating a second signal indicating that the user can receive the product.

12. The method of claim 11 further comprising communicating an alert in order to make the user aware of the discount points price, wherein the offer is associated with a discount points price that is less than the points price.

13. The method of claim 11 further comprising:

issuing a challenge associated with a plurality of user accounts, wherein the challenge is further associated with the product;

receiving a response to the challenge, wherein the response is associated with at least one user account from the plurality of user accounts;

determining that the response properly responds to the challenge; and

sending a third signal indicating that a user associated with the at least one user account can receive the product in response to the determination that the response properly responds to the challenge.

14. The method of claim 13, wherein:

the challenge comprises a question; and

determining that the response properly responds to the challenge comprises;

determining that the response is a correct answer to the question; and

determining that the response was received before any other response that correctly answers the question.

15. The method of claim 13, wherein:

the challenge comprises an action; and

determining that the response properly responds to the challenge comprises;

determining that the response indicates the performance of the action; and

determining that the response was received before any other response that indicates the performance of the action.

16. The method of claim 15, wherein the action comprises at least one of paying a bill, checking a balance, and making a purchase.

17. The method of claim 13 further comprising issuing the challenge according to a predetermined period of time.

18. The method of claim 11, wherein the product comprises at least one of a coupon, a points bonus to be added to the points balance, and a cash back offer.

19. The method of claim 11 further comprising communicating an alert in order to make the user aware of the offer.

21. One or more computer-readable non-transitory storage media embodying software that is operable when executed to:

store a user account; and

store a points balance associated with the user account; and

determine a geographic location of a user associated with the user account;

communicate, based at least in part upon the geographic location, an offer for a product, wherein;

the offer is associated with an expiration time;

the product is associated with a points price; and

the points balance is at least equal to the points price;

receive a signal indicating an acceptance of the offer, wherein;

the signal is associated with a timestamp and with the user account; and

the timestamp indicates a time that is at least as early as the expiration time; and

communicate a second signal indicating that the user can receive the product.

22. The one or more computer-readable non-transitory storage media of claim 21, wherein:

the offer is associated with a discount points price that is less than the points price; and

the processor is further operable to communicate an alert in order to make the user aware of the discount points price.

23. The one or more computer-readable non-transitory storage media of claim 21, embodying software that is further operable when executed to:

issue a challenge associated with a plurality of user accounts, wherein the challenge is further associated with the product;

receive a response to the challenge, wherein the response is associated with at least one user account from the plurality of user accounts;

determine that the response properly responds to the challenge; and

send a third signal indicating that a user associated with the at least one user account can receive the product in response to the determination that the response properly responds to the challenge.

24. The one or more computer-readable non-transitory storage media of claim 23, wherein:

the challenge comprises a question; and

determining that the response properly responds to the challenge comprises;

determining that the response is a correct answer to the question; and

determining that the response was received before any other response that correctly answers the question.

25. The one or more computer-readable non-transitory storage media of claim 23, wherein:

the challenge comprises an action; and

determining that the response properly responds to the challenge comprises;

determining that the response indicates the performance of the action; and

determining that the response was received before any other response that indicates the performance of the action.

26. The one or more computer-readable non-transitory storage media of claim 25, wherein the action comprises at least one of paying a bill, checking a balance, and making a purchase.

27. The one or more computer-readable non-transitory storage media of claim 23 embodying software that is further operable when executed to issue the challenge according to a predetermined period of time.

28. The one or more computer-readable non-transitory storage media of claim 21, wherein the product comprises at least one of a coupon, a points bonus to be added to the points balance, and a cash back offer.

29. The one or more computer-readable non-transitory storage media of claim 21 embodying software that is further operable when executed to communicate an alert in order to make the user aware of the offer.

30. The one or more computer-readable non-transitory storage media of claim 29 embodying software that is further operable when executed to communicate the alert in response to the determination that the geographic location of the user is within a predetermined distance of a store associated with the offer.