Systems, methods and computer readable medium for wireless solicitations
First Claim
1. A computer implemented method of sending an offer to a customer of a financial account in a financial institution, the method comprising:
- monitoring, by one or more processors, a location of the customer based on a location of a wireless computing device of the customer;
determining, by the one or more processors, that the customer is located near one or more merchants based on the monitored location of the customer;
monitoring, by the one or more processors, a status of the financial account of the customer;
determining, by the one or more processors, that the customer is a rewards member associated with the financial account;
providing, by the one or more processors, one or more first rewards for purchases made using the financial account;
determining, by the one or more processors, that the financial account has a rewards level within a proximity of a reward redemption threshold level;
generating, by the one or more processors, an offer associated with at least one product of the one or more merchants located near the monitored location of the customer allowing the customer to reach the rewards redemption threshold level by crediting the financial account for a second reward, wherein the one or more first rewards would not cause the customer to reach the rewards redemption threshold level;
sending the offer to the customer via the customer'"'"'s wireless computing device based on the determination that the financial account has the rewards level within the proximity of the reward redemption threshold level; and
providing the second reward to the customer based upon an indication that the customer purchased a product associated with the offer at the one or more merchants using the financial account.
4 Assignments
0 Petitions
Accused Products
Abstract
Product offering systems are provided. Product offering systems may include sending an offer to a customer that possesses a mobile computing device and has agreed to receive offers for products via the mobile computing device. Agreeing to receive offers would result in the unique data about the customer being available to offer provider. Unique customer data may include data related to the customers wireless service provider or from a financial account in a financial institution, and collecting customer data about the customer, wherein the customer data comprises financial data and personal data. Product offering systems may further include registering a wireless computing device of the customer to able the device to receive the offer, and determining opportunities to send the offer to the customer by monitoring the customer and the customer data. Product offering systems may also include sending the offer to the customer'"'"'s registered device based on the determination of opportunities.
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Citations
78 Claims
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1. A computer implemented method of sending an offer to a customer of a financial account in a financial institution, the method comprising:
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monitoring, by one or more processors, a location of the customer based on a location of a wireless computing device of the customer; determining, by the one or more processors, that the customer is located near one or more merchants based on the monitored location of the customer; monitoring, by the one or more processors, a status of the financial account of the customer; determining, by the one or more processors, that the customer is a rewards member associated with the financial account; providing, by the one or more processors, one or more first rewards for purchases made using the financial account; determining, by the one or more processors, that the financial account has a rewards level within a proximity of a reward redemption threshold level; generating, by the one or more processors, an offer associated with at least one product of the one or more merchants located near the monitored location of the customer allowing the customer to reach the rewards redemption threshold level by crediting the financial account for a second reward, wherein the one or more first rewards would not cause the customer to reach the rewards redemption threshold level; sending the offer to the customer via the customer'"'"'s wireless computing device based on the determination that the financial account has the rewards level within the proximity of the reward redemption threshold level; and providing the second reward to the customer based upon an indication that the customer purchased a product associated with the offer at the one or more merchants using the financial account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26)
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27. A system of sending an offer to a customer of a financial account in a financial institution, the system comprising:
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a processor; and a memory, wherein the memory stores instructions that, when executed by the processor, cause the processor to perform operations comprising; monitoring a location of the customer based on a location of a wireless computing device of the customer; determining that the customer is located near one or more merchants based on the monitored location of the customer; monitoring a status of the financial account of the customer; determining that the customer is a rewards member associated with the financial account; providing one or more first rewards for purchases made using the financial account; determining that the financial account has a rewards level within a proximity of a reward redemption threshold level; generating an offer associated with at least one product of the one or more merchants located near the monitored location of the customer allowing the customer to reach the rewards redemption threshold level by crediting the financial account for a second reward, wherein the one or more first rewards would not cause the customer to reach the rewards redemption threshold level; sending the offer to the customer via the customer'"'"'s wireless computing device based on the determination that the financial account has the rewards level within the proximity of the reward redemption threshold level; and providing the second reward to the customer based upon an indication that the customer purchased a product associated with the offer at the one or more merchants using the financial account. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52)
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53. A non-transitory computer-readable medium storing instructions for performing, when executed by a processor, a method of sending an offer to a customer of a financial account in a financial institution, the method comprising:
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monitoring a location of the customer based on a location of a wireless computing device of the customer; determining that the customer is located near one or more merchants based on the monitored location of the customer; monitoring a status of the financial account of the customer; determining that the customer is a rewards member associated with the financial account; providing one or more first rewards for purchases made using the financial account; determining that the financial account has a rewards level within a proximity of a reward redemption threshold level; generating an offer associated with at least one product of the one or more merchants located near the monitored location of the customer allowing the customer to reach the rewards redemption threshold level by crediting the financial account for a second reward, wherein the one or more first rewards would not cause the customer to reach the rewards redemption threshold level; sending the offer to the customer via the customer'"'"'s wireless computing device based on the determination that the financial account has the rewards level within the proximity of the reward redemption threshold level; and providing the second reward to the customer based upon an indication that the customer purchased a product associated with the offer at the one or more merchants using the financial account. - View Dependent Claims (54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 72, 73, 74, 75, 76, 77, 78)
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Specification