System for providing offers using a billing statement
First Claim
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1. A method comprising:
- receiving, electronically by a controller, information about a transaction for a purchase of an item or service between a consumer and a merchant;
determining, by the controller, an amount owed by the consumer for the purchase;
determining, by the controller, an offer that provides the consumer a benefit of reducing an amount owed by the consumer in exchange for accepting or completing conditions of the offer based, at least in part, on the amount owed by the consumer for the purchase; and
transmitting, electronically by the controller, the offer for the consumer to a consumer device.
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Abstract
A billing statement according to one aspect of the invention includes a description of a transaction and an offer pointer associated with the transaction, wherein the offer pointer includes information that may be used to review an offer. In one example of this aspect, a telephone number or a hyperlink is provided adjacent to a total amount owed listed on a statement (e.g., an electronically-displayed billing statement). The offers reviewed may be customized, for example, based on details of the transaction such as the product purchased or the amount of the purchase, the identity of the consumer, and/or on other data.
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Citations
22 Claims
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1. A method comprising:
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receiving, electronically by a controller, information about a transaction for a purchase of an item or service between a consumer and a merchant; determining, by the controller, an amount owed by the consumer for the purchase; determining, by the controller, an offer that provides the consumer a benefit of reducing an amount owed by the consumer in exchange for accepting or completing conditions of the offer based, at least in part, on the amount owed by the consumer for the purchase; and transmitting, electronically by the controller, the offer for the consumer to a consumer device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A system comprising:
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a memory storing information about offers for and to consumers; and a processor operable for; receiving, by a controller, information about a transaction for a purchase of an item or service between a consumer and a merchant; determining, by the controller, an amount owed by the consumer for the purchase; determining, by the controller, an offer that provides the consumer a benefit of reducing an amount owed by the consumer in exchange for accepting or completing conditions of the offer based, at least in part, on the amount owed by the consumer for the purchase; and transmitting, by the controller, the offer to a consumer device. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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Specification