USE OF SKU LEVEL E-RECEIPT DATA FOR FUTURE MARKETING

• US 20150032546A1
• Filed: 07/26/2013
• Published: 01/29/2015
• Est. Priority Date: 07/26/2013
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Calman, Matthew A., Blackhurst, Jason P., Dintenfass, Katherine, Bondesen, Laura C., Hanson, Carrie A.
• Granted Patent: US 9,384,497 B2
• Time in Patent Office: Days
• US Class Current: 705/14.61
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0264 based upon schedule

Abstract

Embodiments of the invention relate to systems, methods, and computer program products for determining and providing an offer to a customer based at least in part on product level data associated with a transaction. The system, method, and computer program product are configured to receive unstructured data from a customer account, wherein the unstructured data comprises product level data for a transaction; convert the unstructured data into structured data; determine a transaction at a financial institution corresponding to the structured data; determine an offer for a customer based on the product level data and the transaction; and provide the offer to the customer. Typically, product level data related to transactions is not available to financial institution. This disclosure describes a system and method for identifying and using product level data.

Claims

1. A system for providing an offer to a customer, the system comprising:

a computer apparatus including a processor and a memory; and

a software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to;

receive unstructured data from a customer account, wherein the unstructured data comprises product level data for a transaction;

convert the unstructured data into structured data;

determine a transaction at a financial institution corresponding to the structured data;

determine an offer for a customer based on the product level data and the transaction; and

provide the offer to the customer.

2. The system of claim 1, further comprising executable instructions that when executed by the processor cause the processor to determine a format of the unstructured data.

3. The system of claim 2, wherein converting the unstructured data into structured data is based at least in part on the format.

4. The system of claim 1, wherein unstructured data is received from a source selected from the group consisting of a customer email account and a customer account page.

5. The system of claim 1, wherein the unstructured data is present in an e-receipt.

6. The system of claim 1, wherein the product level data comprises at least one of an SKU code, an image of a product, a serial number of a product, and a name of a product.

7. The system of claim 1, wherein the offer is determined based on a period of time since the transaction.

8. A computer program product for providing an offer to a customer, the computer program product comprising:

a non-transitory computer readable storage medium having computer readable program code embodied therewith, the computer readable program code comprising;

a computer readable program code configured to receive unstructured data from a customer account, wherein the unstructured data comprises product level data for a transaction;

a computer readable program code configured to convert the unstructured data into structured data;

a computer readable program code configured to determine a transaction at a financial institution corresponding to the structured data;

a computer readable program code configured to determine an offer for a customer based on the product level data and the transaction; and

a computer readable program code configured to provide the offer to the customer.

9. The computer program product of claim 8, further comprising a computer readable program code configured to determine a format of the unstructured data.

10. The computer program product of claim 9, wherein converting the unstructured data into structured data is based at least in part on the format.

11. The computer program product of claim 8, wherein unstructured data is received from a source selected from the group consisting of a customer email account and a customer account page.

12. The computer program product of claim 8, wherein the unstructured data is present in an e-receipt.

13. The computer program product of claim 8, wherein the product level data comprises at least one of an SKU code, an image of a product, a serial number of a product, and a name of a product.

14. The computer program product of claim 8, wherein the offer is determined based on a period of time since the transaction.

15. A method for providing an offer to a customer, the method comprising:

receiving unstructured data from a customer account, wherein the unstructured data comprises product level data for a transaction;

converting, via computing device processor, the unstructured data into structured data;

determining, via a computing device processor, a transaction at a financial institution corresponding to the structured data;

determining, via a computing device processor, an offer for a customer based on the product level data and the transaction; and

providing the offer to the customer.

16. The method of claim 15, further comprising determining a format of the unstructured data.

17. The method of claim 16, wherein converting the unstructured data into structured data is based at least in part on the format.

18. The method of claim 15, wherein unstructured data is received from a source selected from the group consisting of a customer email account and a customer account page.

19. The method of claim 15, wherein the product level data comprises at least one of an SKU code, an image of a product, a serial number of a product, and a name of a product.

20. The method of claim 15, wherein the offer is determined based on a period of time since the transaction.