PROVIDING OFFERS BASED ON ELECTRONIC RECEIPT DATA

• US 20150032538A1
• Filed: 07/29/2013
• Published: 01/29/2015
• Est. Priority Date: 07/29/2013
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Calman, Matthew A., Dintenfass, Katherine, Blackhurst, Jason P., Hanson, Carrie A., Bondesen, Laura C.
• Application Number:
  US13/953,229
• Publication Number:
  US 20150032538A1
• Time in Patent Office: Days
• US Class Current: 705/14.53
• CPC Class Codes: G06Q 30/0255 based on user history

Abstract

Embodiments of the invention are directed to systems, methods and computer program products for providing offers based on electronic receipt data. An exemplary apparatus is configured to identify purchase transaction data associated with identified electronic communications between a merchant and a customer regarding a transaction, where the purchase transaction data includes product level data from a transaction; receive the identified purchase transaction data, wherein the purchase transaction data is received in an unstructured format; convert the purchase transaction data from the unstructured format to a structured format; associate the structured purchase transaction data with the customer'"'"'s online banking application; identify an offer associated with one or more products purchased by the customer; and provide the customer the offer based at least partially on the customers purchase transaction data.

Claims

1. An apparatus for providing offers based on electronic receipt data the apparatus comprising:

a memory;

a processor; and

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

identify purchase transaction data associated with identified electronic communications between a merchant and a customer regarding a transaction, wherein the purchase transaction data includes product level data from a transaction;

receive the identified purchase transaction data, wherein the purchase transaction data is received in an unstructured format;

convert the purchase transaction data from the unstructured format to a structured format;

associate the structured purchase transaction data with the customer'"'"'s online banking application;

identify an offer associated with one or more products purchased by the customer; and

provide the customer the offer based at least partially on the customers purchase transaction data.

2. The apparatus of claim 1, wherein the offer is identified based at least partially on the customers social networking account data.

3. The apparatus of claim 1, wherein the offer is identified based at least partially on a third party website to which the customer is associated with.

4. The apparatus of claim 3, wherein the module is further configured to:

provide the third party website with the customer'"'"'s purchase transaction data, wherein the third party provides the customer the offer based at least partially on the customer'"'"'s purchase transaction data.

5. The apparatus of claim 3, wherein the module is further configured to:

determine one or more of the customers personal interest based at least partially on the customer'"'"'s purchase transaction data; and

provide the third party website with data related to the customer'"'"'s personal interest, wherein the third party provides the customer the offer based at least partially on the customer'"'"'s personal interest.

6. The apparatus of claim 1, wherein the offer is identified based at least partially on a product name indicated in the customer'"'"'s purchase transaction history.

7. The apparatus of claim 1, wherein the module is further configured to:

identify a first product purchased by the customer;

identify at least one second product purchased by the customer;

determine a theme associated with the customer'"'"'s recent purchase transaction data based at least partially on the first product and the at least one second product; and

identify an offer associated with one or more products purchased by the customer based at least partially on the theme associated with the customer'"'"'s recent purchase transaction data.

8. The apparatus of claim 1, wherein the module is further configured to:

receive one or more user preferences for providing offers; and

identify the offer associated with one or more products purchased by the customer based at least partially on the one or more user preferences.

9. The apparatus of claim 1, wherein the module is further configured to:

determine one or more user preferences for providing offers based at least partially on the customer'"'"'s purchase transaction data; and

identify the offer associated with one or more products purchased by the customer based at least partially on the one or more user preferences.

10. The apparatus of claim 1, wherein the purchase transaction data provides information that indicate previous offers that the customer has received.

11. The apparatus of claim 1, wherein the module is further configured to determine the customer is eligible for the offer associated with one or more products purchased by the customer prior to providing the customer the offer.

12. The apparatus of claim 1, wherein the module is further configured to:

identify a first offer associated with one or more products purchased by the customer;

determine the customer is ineligible for the first offer based at least partially on the customers financial history;

identify a second offer associated with one or more products purchased by the customer in response to determining the customer is ineligible for the first offer; and

provide the customer the second offer based at least partially on the customers purchase transaction data.

14. The method of claim 10, wherein the offer is identified based at least partially on a third party website to which the customer is associated with.

15. The method of claim 14, the method further comprising:

determining one or more of the customers personal interest based at least partially on the customer'"'"'s purchase transaction data; and

providing the third party website with data related to the customer'"'"'s personal interest, wherein the third party provides the customer the offer based at least partially on the customer'"'"'s personal interest.

16. The method of claim 10, the method further comprising:

identifying a first product purchased by the customer;

identifying at least one second product purchased by the customer;

determining a theme associated with the customer'"'"'s recent purchase transaction data based at least partially on the first product and the at least one second product; and

identifying an offer associated with one or more products purchased by the customer based at least partially on the theme associated with the customer'"'"'s recent purchase transaction data.

17. The method of claim 10, the method further comprising:

determining one or more user preferences for providing offers based at least partially on the customer'"'"'s purchase transaction data, wherein the purchase transaction data provides information that indicate previous offers that the customer has received; and

identifying the offer associated with one or more products purchased by the customer based at least partially on the one or more user preferences.

18. The method of claim 10, the method further comprising:

identifying a first offer associated with one or more products purchased by the customer;

determining the customer is ineligible for the first offer based at least partially on the customers financial history;

identifying a second offer associated with one or more products purchased by the customer in response to determining the customer is ineligible for the first offer; and

providing the customer the second offer based at least partially on the customers purchase transaction data.

13. A method for providing offers based on electronic receipt data, the method comprising:

identifying purchase transaction data associated with identified electronic communications between a merchant and a customer regarding a transaction, wherein the purchase transaction data includes product level data from a transaction;

receiving the identified purchase transaction data, wherein the purchase transaction data is received in an unstructured format;

converting the purchase transaction data from the unstructured format to a structured format;

associating the structured purchase transaction data with the customer'"'"'s online banking application;

identifying an offer associated with one or more products purchased by the customer; and

providing the customer the offer based at least partially on the customers purchase transaction data.

19. A computer program product for providing offers based on electronic receipt data, the computer program product comprising:

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

identify purchase transaction data associated with identified electronic communications between a merchant and a customer regarding a transaction, wherein the purchase transaction data includes product level data from a transaction;

receive the identified purchase transaction data, wherein the purchase transaction data is received in an unstructured format;

convert the purchase transaction data from the unstructured format to a structured format;

associate the structured purchase transaction data with the customer'"'"'s online banking application;

identify an offer associated with one or more products purchased by the customer; and

provide the customer the offer based at least partially on the customers purchase transaction data.

20. The computer program product of claim 19, wherein the offer is identified based at least partially on a third party website to which the customer is associated with.

21. The computer program product of claim 20, the computer program product further comprising a set of code for causing a computer to:

determine one or more of the customers personal interest based at least partially on the customer'"'"'s purchase transaction data; and

provide the third party website with data related to the customer'"'"'s personal interest, wherein the third party provides the customer the offer based at least partially on the customer'"'"'s personal interest.

22. The computer program product of claim 19, the computer program product further comprising a set of code for causing a computer to:

identify a first product purchased by the customer;

identify at least one second product purchased by the customer;

determine a theme associated with the customer'"'"'s recent purchase transaction data based at least partially on the first product and the at least one second product; and

identify an offer associated with one or more products purchased by the customer based at least partially on the theme associated with the customer'"'"'s recent purchase transaction data.

23. The computer program product of claim 19, the computer program product further comprising a set of code for causing a computer to:

determine one or more user preferences for providing offers based at least partially on the customer'"'"'s purchase transaction data, wherein the purchase transaction data provides information that indicate previous offers that the customer has received; and

identify the offer associated with one or more products purchased by the customer based at least partially on the one or more user preferences.

24. The computer program product of claim 19, the computer program product further comprising a set of code for causing a computer to:

identify a first offer associated with one or more products purchased by the customer;

determine the customer is ineligible for the first offer based at least partially on the customers financial history;

identify a second offer associated with one or more products purchased by the customer in response to determining the customer is ineligible for the first offer; and

provide the customer the second offer based at least partially on the customers purchase transaction data.