Providing information from use of readable indicia with mobile device

• US 8,939,355 B2
• Filed: 01/01/2013
• Issued: 01/27/2015
• Est. Priority Date: 01/01/2013
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Grossman, Glenn
• Primary Examiner(s): Le, Thien M
• Assistant Examiner(s): Habib, Asifa
• Application Number:
  US13/732,378
• Publication Number:
  US 20140183255A1
• Time in Patent Office: 756 Days
• Field of Search: 235/375, 705/16
• US Class Current: 235/375
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

Embodiments of the invention are directed to systems, methods and computer program products for providing information from use of readable indicia. Embodiments may include receiving usage information corresponding to a plurality of readable indicia read at one or more points of transaction during one or more transactions; storing some or all the usage information; and providing access to the stored usage information. Embodiments may receive one or more e-receipts from the one or more points of transaction; store the one or more e-receipts in the memory; and associate each e-receipt with usage information corresponding to the same transaction. Some embodiments receive a request from an online banking application or a mobile banking application of a user for usage information; and initiate presentation of some or all the usage information in response to the request.

Claims

1. A system for providing information from use of readable indicia, the system comprising:

a memory device storing computer executable code;

a processing device to execute the computer executable code to cause the processing device to;

receive usage information corresponding to a plurality of readable indicia read at one or more points of transaction during one or more transactions, wherein;

reading the readable indicia further comprises;

determining whether a user profile associated with the readable indicia is at least one of a low information profile, a medium information profile, or a high information profile;

receiving one or more authentication credentials from the user based on at least the determined user profile, wherein a high information profile requires a primary authentication and a secondary authentication, wherein a medium information profile requires a primary authentication, and a low information profile does not require any authentication credential; and

validating the one or more received authentication credentials;

the usage information comprises user information associated with one or more of the transactions and transaction information comprising amount of the one or more transactions; and

the user information has been selected by one or more customers performing the one or more transactions and comprises user identification information comprising name information and contact information comprising a preferred email address or phone number;

receive location information associated with a location of the one or more points of transaction;

associate location information with transaction information associated with the same transaction, resulting in an transaction location profile;

store some or all the usage information including at least one transaction location profile; and

provide access to the stored usage information including the at least one transaction location profile.

2. The system of claim 1, wherein the computer executable code further causes the processing device to:

receive one or more e-receipts from the one or more points of transaction.

3. The system of claim 2, wherein the computer executable code further causes the processing device to:

store the one or more e-receipts in the memory; and

associate each e-receipt with usage information corresponding to the same transaction.

4. The system of claim 1, wherein providing access to the stored usage information comprises:

receiving a request from an online banking application or a mobile banking application of a user for usage information; and

initiating presentation of some or all the usage information in response to the request.

5. The system of claim 4, wherein the computer executable code further causes the processing device to:

initiate communication of a message indicating to the user an opportunity to share additional user information to a specific merchant.

6. The system of claim 4, wherein the computer executable code further causes the processing device to:

initiate communication of a message indicating to the user information about a specific merchant or an offer from the specific merchant.

7. The system of claim 1, wherein a merchant has a pre-established relationship with an administrator of the system;

and

wherein providing access to the stored usage information comprises;

receiving a request from a merchant application for usage information corresponding to the merchant; and

initiating presentation of some or all the usage information in response to the request.

8. A computer program product configured for providing information from use of readable indicia, the computer program product comprising a non-transitory computer readable medium comprising computer-executable instructions stored therein, the computer-executable instructions to cause a processing device to:

receive usage information corresponding to a plurality of readable indicia read at one or more points of transaction during one or more transactions, wherein;

reading the readable indicia further comprises;

determining whether a user profile associated with the readable indicia is at least one of a low information profile, a medium information profile, or a high information profile;

receiving one or more authentication credentials from the user based on at least the determined user profile, wherein a high information profile requires a primary authentication and a secondary authentication, wherein a medium information profile requires a primary authentication, and a low information profile does not require any authentication credential; and

validating the one or more received authentication credentials;

the usage information comprises user information associated with one or more of the transactions and transaction information comprising amount of the one or more transactions; and

the user information has been selected by one or more customers performing the one or more transactions and comprises user identification information comprising name information and contact information comprising a preferred email address or phone number;

receive location information associated with a location of the one or more points of transaction;

associate location information with transaction information associated with the same transaction, resulting in an transaction location profile;

store some or all the usage information including at least one transaction location profile; and

provide access to the stored usage information including the at least one transaction location profile.

9. The computer program product of claim 8, wherein the computer-executable instructions further cause the processing device to:

receive one or more e-receipts from the one or more points of transaction.

10. The computer program product of claim 9, wherein the computer-executable instructions further cause the processing device to:

store the one or more e-receipts in the memory; and

associate each e-receipt with usage information corresponding to the same transaction.

11. The computer program product of claim 8, wherein providing access to the stored usage information comprises:

receiving a request from an online banking application or a mobile banking application of a user for usage information; and

initiating presentation of some or all the usage information in response to the request.

12. The computer program product of claim 11, wherein the computer-executable instructions further cause the processing device to:

initiate communication of a message indicating to the user an opportunity to share additional user information to a specific merchant.

13. The computer program product of claim 11, wherein the computer-executable instructions further cause the processing device to:

initiate communication of a message indicating to the user information about a specific merchant or an offer from the specific merchant.

14. The computer program product of claim 8, wherein a merchant has a pre-established relationship with an administrator of the system;

and

wherein providing access to the stored usage information comprises;

receiving a request from a merchant application for usage information corresponding to the merchant; and

initiating presentation of some or all the usage information in response to the request.

15. A computer-implemented method for providing information from use of readable indicia, the method comprising:

using a computer processor operating computer program code instructions stored in a non-transitory computer readable medium, wherein the computer program code instructions cause the computer processor to;

receive usage information corresponding to a plurality of readable indicia read at one or more points of transaction during one or more transactions, wherein;

reading the readable indicia further comprises;

determining whether a user profile associated with the readable indicia is at least one of a low information profile, a medium information profile, or a high information profile;

receiving one or more authentication credentials from the user based on at least the determined user profile, wherein a high information profile requires a primary authentication and a secondary authentication, wherein a medium information profile requires a primary authentication, and a low information profile does not require any authentication credential; and

validating the one or more received authentication credentials;

the usage information comprises user information associated with one or more of the transactions and transaction information comprising amount of the one or more transactions; and

the user information has been selected by one or more customers performing the one or more transactions and comprises user identification information comprising name information and contact information comprising a preferred email address or phone number;

receive location information associated with a location of the one or more points of transaction;

associate location information with transaction information associated with the same transaction, resulting in an transaction location profile;

store some or all the usage information including at least one transaction location profile; and

provide access to the stored usage information including the at least one transaction location profile.

16. The method of claim 15, wherein the computer program code instructions further cause the computer processor to:

receive one or more e-receipts from the one or more points of transaction.

17. The method of claim 16, wherein the computer program code instructions further cause the computer processor to:

store the one or more e-receipts in the memory; and

associate each e-receipt with usage information corresponding to the same transaction.

18. The method of claim 15, wherein the computer program code instructions further cause the computer processor to:

receive a request from an online banking application or a mobile banking application of a user for usage information; and

initiate presentation of some or all the usage information in response to the request.

19. The method of claim 18, wherein the computer program code instructions further cause the computer processor to:

initiate communication of a message indicating to the user an opportunity to share additional user information to a specific merchant.

20. The method of claim 18, wherein the computer program code instructions further cause the computer processor to:

initiate communication of a message indicating to the user information about a specific merchant or an offer from the specific merchant.

21. The method of claim 15, wherein a merchant has a pre-established relationship with an administrator of the system;

and

wherein providing access to the stored usage information comprises;

receiving a request from a merchant application for usage information corresponding to the merchant; and

initiating presentation of some or all the usage information in response to the request.