SELF-SERVICE INTERCEPT ON OR OFF PREMISE

• US 20140279009A1
• Filed: 03/14/2013
• Published: 09/18/2014
• Est. Priority Date: 03/14/2013
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Grigg, David M., Calman, Matthew A., Thomas, Susan Smith
• Application Number:
  US13/828,969
• Publication Number:
  US 20140279009A1
• Time in Patent Office: Days
• US Class Current: 705/14.58
• CPC Class Codes: G06Q 30/0261 based on user location

Abstract

Embodiments of the invention are directed to systems, methods and computer program products for transmitting an offer to a user associated with an account. An exemplary apparatus is configured to: determine, based on geolocation information associated with a mobile device associated with the user, whether the mobile device is within a predetermined distance of a reference location; in response to determining the mobile device is within the predetermined distance of the reference location, transmit an offer to the mobile device, wherein the offer is associated with a product or a service, and wherein the offer has been previously communicated to the user; and provide an option for the user to accept the offer via the mobile device.

Claims

1. An apparatus for transmitting an offer to a user associated with an account, the apparatus comprising:

a memory;

a processor; and

a module stored in the memory, executable by the processor, and configured to;

determine, based on geolocation information associated with a mobile device associated with the user, whether the mobile device is within a predetermined distance of a reference location;

in response to determining the mobile device is within the predetermined distance of the reference location, transmit an offer to the mobile device, wherein the offer is associated with a product or a service, and wherein the offer has been previously communicated to the user; and

provide an option for the user to accept the offer via the mobile device.

2. The apparatus of claim 1, wherein the product or the service is associated with a financial institution.

3. The apparatus of claim 1, wherein the product or the service is associated with a merchant.

4. The apparatus of claim 1, wherein the geolocation information comprises a geographical location.

5. The apparatus of claim 1, wherein the geolocation information comprises a network location.

6. The apparatus of claim 1, wherein the reference location comprises at least one of a branch office associated with a financial institution, an automated teller machine (ATM), or an advertisement hoarding.

7. The apparatus of claim 1, wherein the reference location comprises a merchant'"'"'s premises.

8. The apparatus of claim 1, wherein the offer was previously communicated to the user via at least one of a social network account, an email account, or a text message account.

9. The apparatus of claim 1, wherein the offer previously communicated to the user was declined by the user.

10. The apparatus of claim 1, wherein the offer previously communicated to the user was neither accepted nor declined by the user.

11. The apparatus of claim 1, wherein the offer is associated with an expiration period, and wherein the offer is transmitted via at least one a social network account, an email account, or a text message account.

12. The apparatus of claim 1, wherein the module is configured to receive permission from the user to receive the geolocation information.

13. The apparatus of claim 1, wherein the module is further configured to transmit to the user an incentive associated with the offer, wherein the incentive is provided to the user if at least one of the user accepts the offer within a predetermined period or the user accepts the offer via the mobile device.

14. The apparatus of claim 1, wherein the user accepts the offer via a channel other than the mobile device.

15. The apparatus of claim 1, wherein the offer can be accepted by the user if the mobile device is within the predetermined distance of the reference location, and wherein the offer is deactivated if the mobile device is not within the predetermined distance of the reference location.

16. The apparatus of claim 1, wherein the offer is communicated to the user via at least one of a human agent or a virtual agent.

17. The apparatus of claim 1, wherein the offer is based on at least one of account information or user information associated with the user.

18. The apparatus of claim 1, wherein the offer is associated with a discount or rebate on the product or the service.

19. A method for transmitting an offer to a user associated with an account, the method comprising:

determining, based on geolocation information associated with a mobile device associated with the user, whether the mobile device is within a predetermined distance of a reference location;

in response to determining the mobile device is within the predetermined distance of the reference location, transmitting an offer to the mobile device, wherein the offer is associated with a product or a service, and wherein the offer has been previously communicated to the user; and

providing an option for the user to accept the offer via the mobile device.

20. A computer program product for transmitting an offer to a user associated with an account, the computer program product comprising:

a non-transitory computer-readable medium comprising a set of codes for causing a computer to;

determine, based on geolocation information associated with a mobile device associated with the user, whether the mobile device is within a predetermined distance of a reference location;

in response to determining the mobile device is within the predetermined distance of the reference location, transmit an offer to the mobile device, wherein the offer is associated with a product or a service, and wherein the offer has been previously communicated to the user; and

provide an option for the user to accept the offer via the mobile device.