Method for providing a card-linked offer

• US 8,756,157 B1
• Filed: 03/03/2014
• Issued: 06/17/2014
• Est. Priority Date: 03/13/2008
• Status: Active Grant

• Current Assignee: GiftYa, LLC
• Original Assignee: GiftYa, LLC
• Inventors: Ledbetter, Patrick, Ludwig, Adam
• Primary Examiner(s): Holly, John H
• Application Number:
  US14/194,969
• Time in Patent Office: 106 Days
• Field of Search: 705/41, 705/1.1, 705/42, 705/39, 705/14.26, 705/26.1, 705/44, 705/35, 705/40, 235/379, 235/380, 713/168
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A system transfers money to a payee'"'"'s payment card account, without requiring an additional payment card or without acquiring a payee'"'"'s payment card or account information. A payee registers a payment account with a service provider. A system receives an identification, generated from a business entity, of the payee and information associated with a notice to be transmitted to a device associated with the payee. The system transmits the notice (advertisement or offer) to the device, the notice being associated, prior to the transmitting, with the payee payment account and being transmitted prior to the payee buying product or service associated with the notice using the payee payment account. The system receives receiving an indication of a purchase associated with the notice and completed using the payee payment account and applies an amount of money associated with the notice as a discount.

Claims

1. A method comprising:

receiving a registration of a payee account at a service provider, the payee account being associated with a payee;

receiving an identification, originating from a business entity, of a payee and a spending category associated with a notice;

transmitting, via a processor of a computing device and independent of any user request for a communication, the notice to a device associated with the payee, the notice being linked, prior to the transmitting, with the payee account;

monitoring, via a processor of a computing device, purchases using the payee account for a qualified purchase according to the spending category associated with the notice;

receiving an indication that the qualified purchase was made using the payee account; and

based on the indication of the qualified purchase, applying, via the processor of the computing device, an amount of money.

2. The method of claim 1, wherein the point of sale device differs from the device.

3. The method of claim 1, wherein the notice comprises one of an advertisement, an offer and a coupon.

4. The method of claim 1, wherein applying the amount of money comprises reimbursing the payee account with the amount of money.

5. The method of claim 1, wherein the amount of money is a discount associated with the qualified purchase.

6. The method of claim 1, wherein the amount of money is applied at a point of sale where the qualified purchase occurred.

7. A system comprising:

a processor of a computing device; and

a non-transitory computer-readable storage medium storing instruction which, when executed by the processor of the computing device, cause the processor of the computing device to perform operations comprising;

receiving a registration of a payee account at a service provider, the payee account being associated with a payee;

receiving an identification, originating from a business entity, of a payee and a spending category associated with a notice;

transmitting, independent of any user request for a communication, the notice to a device associated with the payee, the notice being linked, prior to the transmitting, with the payee account;

monitoring purchases using the payee account for a qualified purchase according to the spending category associated with the notice;

receiving an indication that the qualified purchase was made using the payee account; and

based on the indication of the qualified purchase, applying an amount of money.

8. The system of claim 7, wherein the point of sale device differs from the device.

9. The system of claim 7, wherein the notice comprises one of an advertisement, an offer and a coupon.

10. The system of claim 7, wherein applying the amount of money comprises reimbursing the payee account with the amount of money.

11. The system of claim 7, wherein the amount of money is a discount associated with the qualified purchase.

12. The system of claim 7, wherein the amount of money is applied at a point of sale where the qualified purchase occurred.

13. A non-transitory computer-readable storage device storing instructions which, when executed by a processor of a computing device, cause the processor of the computing device to perform operations comprising:

receiving a registration of a payee account at a service provider, the payee account being associated with a payee;

receiving an identification, originating from a business entity, of a payee and a spending category associated with a notice;

transmitting, independent of any user request for a communication, the notice to a device associated with the payee, the notice being linked, prior to the transmitting, with the payee account;

monitoring purchases using the payee account for a qualified purchase according to the spending category associated with the notice;

receiving an indication that the qualified purchase was made using the payee account; and

based on the indication of the qualified purchase, applying an amount of money.

14. The non-transitory computer-readable storage device of claim 13, wherein the point of sale device differs from the device.

15. The non-transitory computer-readable storage device of claim 13, wherein the notice comprises one of an advertisement, an offer and a coupon.

16. The non-transitory computer-readable storage device of claim 13, wherein applying the amount of money comprises reimbursing the payee account with the amount of money.

17. The non-transitory computer-readable storage device of claim 13, wherein the amount of money is a discount associated with the qualified purchase.

18. The non-transitory computer-readable storage device of claim 13, wherein the amount of money is applied at a point of sale where the qualified purchase occurred.