Reverse couponing
First Claim
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1. An apparatus for reverse couponing, the apparatus comprising:
- at least one memory comprising a volatile memory and a non-volatile memory, wherein the volatile memory and the non-volatile memory are independent of each other;
at least one processor; and
a first module stored in the non-volatile memory, executable by the at least one processor, and configured to cause the at least one processor to;
electronically receive a first input information associated with a user, wherein the first input information comprises user information associated with a user logged into an online banking website, the user information comprising account information associated with the user'"'"'s financial institution account and personal information associated with the user;
store the first input information in a queue associated with the volatile memory until a second input information is received, wherein queuing further comprises reorganizing the first input information into the volatile memory;
receive second input information associated with the user, wherein the second input information comprises social network information associated with the user;
store the second input information in the queue associated with the volatile memory, wherein queuing the second input information further comprises reorganizing the second input information into the volatile memory; and
determine a user profile based on at least the first input information and the second input information stored in the queue associated with the volatile memory;
a second module stored in the non-volatile memory, executable by the at least one processor, and configured to cause the at least one processor to;
determine offer information associated with an offer based on at least the user profile determined using the first input information and the second input information stored in the queue associated with the volatile memory, the offer being associated with a variable discount or a rebate;
adjust the offer information associated with the offer based on the user information and the account information, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase from a merchant associated with a financial institution, wherein adjusting the offer information comprises increasing the discount or the rebate, wherein adjusting further comprises;
determining that the user is not excluded from receiving at least one offer based on at least a first user exclusion rule; and
determining that the offer from the merchant associated with a predetermined category code is not excluded from being presented to the user based on at least a first merchant exclusion rule;
wherein the first user exclusion rule and the first merchant exclusion rule are applied before the purchase is executed by the user;
establish a communication link with a mobile device of the user, wherein establishing further comprises creating a wireless data channel with the mobile device of the user;
transmit, via the established communication link, the offer to the user for display on the mobile device of the user; and
determine that the user has executed the purchase with the merchant, wherein determining further comprises;
determining that the user is excluded from receiving the offer for the purchase based on at least a second user exclusion rule; and
determining that the offer from the merchant is excluded from being presented to the user based on at least a second merchant exclusion rule;
wherein the second user exclusion rule and the second merchant exclusion rule are applied after the purchase is executed by the user and before the purchase is settled at a predetermined future settlement date; and
apply the at least one offer to the purchase executed by the user at the predetermined future settlement date based on at least determining that the user and the offer from the merchant are not excluded at the time of the execution of the purchase and are excluded at the predetermined future settlement date.
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Abstract
Embodiments of the invention are directed to systems, methods and computer program products for reverse couponing. An exemplary apparatus is configured to determine user information and account information associated with a user; adjust offer information associated with an offer based on the user information and the account information, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase from a merchant; and transmit the adjusted offer to the user.
49 Citations
17 Claims
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1. An apparatus for reverse couponing, the apparatus comprising:
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at least one memory comprising a volatile memory and a non-volatile memory, wherein the volatile memory and the non-volatile memory are independent of each other; at least one processor; and a first module stored in the non-volatile memory, executable by the at least one processor, and configured to cause the at least one processor to; electronically receive a first input information associated with a user, wherein the first input information comprises user information associated with a user logged into an online banking website, the user information comprising account information associated with the user'"'"'s financial institution account and personal information associated with the user; store the first input information in a queue associated with the volatile memory until a second input information is received, wherein queuing further comprises reorganizing the first input information into the volatile memory; receive second input information associated with the user, wherein the second input information comprises social network information associated with the user; store the second input information in the queue associated with the volatile memory, wherein queuing the second input information further comprises reorganizing the second input information into the volatile memory; and determine a user profile based on at least the first input information and the second input information stored in the queue associated with the volatile memory; a second module stored in the non-volatile memory, executable by the at least one processor, and configured to cause the at least one processor to; determine offer information associated with an offer based on at least the user profile determined using the first input information and the second input information stored in the queue associated with the volatile memory, the offer being associated with a variable discount or a rebate; adjust the offer information associated with the offer based on the user information and the account information, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase from a merchant associated with a financial institution, wherein adjusting the offer information comprises increasing the discount or the rebate, wherein adjusting further comprises; determining that the user is not excluded from receiving at least one offer based on at least a first user exclusion rule; and determining that the offer from the merchant associated with a predetermined category code is not excluded from being presented to the user based on at least a first merchant exclusion rule; wherein the first user exclusion rule and the first merchant exclusion rule are applied before the purchase is executed by the user; establish a communication link with a mobile device of the user, wherein establishing further comprises creating a wireless data channel with the mobile device of the user; transmit, via the established communication link, the offer to the user for display on the mobile device of the user; and determine that the user has executed the purchase with the merchant, wherein determining further comprises; determining that the user is excluded from receiving the offer for the purchase based on at least a second user exclusion rule; and determining that the offer from the merchant is excluded from being presented to the user based on at least a second merchant exclusion rule; wherein the second user exclusion rule and the second merchant exclusion rule are applied after the purchase is executed by the user and before the purchase is settled at a predetermined future settlement date; and apply the at least one offer to the purchase executed by the user at the predetermined future settlement date based on at least determining that the user and the offer from the merchant are not excluded at the time of the execution of the purchase and are excluded at the predetermined future settlement date. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A method for reverse couponing, the method comprising:
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electronically receiving, using a computing device processor, a first input information associated with a user, wherein the first input information comprises user information associated with a user logged into an online banking website, the user information comprising account information associated with the user'"'"'s financial institution account and personal information associated with the user; storing, using a computing device processor, the first input information in a queue associated with the volatile memory until a second input information is received, wherein queuing further comprises reorganizing the first input information into the volatile memory; receiving, using a computing device processor, second input information associated with the user, wherein the second input information comprises social network information associated with the user; storing, using a computing device processor, the second input information in the queue associated with the volatile memory, wherein queuing the second input information further comprises reorganizing the second input information into the volatile memory; and determining, using a computing device processor, a user profile based on at least the first input information and the second input information stored in the queue associated with the volatile memory; determining, using a computing device processor, offer information associated with an offer based on at least the user profile determined using the first input information and the second input information stored in the queue associated with the volatile memory, the offer being associated with a variable discount or a rebate; adjusting, using a computing device processor, offer information associated with the offer based on the user information and the account information, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase from a merchant associated with a financial institution, wherein adjusting the offer information comprises increasing the discount or the rebate, wherein adjusting further comprises; determining that the user is not excluded from receiving at least one offer based on at least a first user exclusion rule; and determining that the offer from the merchant associated with a predetermined category code is not excluded from being presented to the user based on at least a first merchant exclusion rule; wherein the first user exclusion rule and the first merchant exclusion rule are applied before the purchase is executed by the user; establishing, using a computing device processor, a communication link with a mobile device of the user, wherein establishing further comprises creating a wireless data channel with the mobile device of the user; transmitting, using a computing device processor, the offer to the user for display on the mobile device of the user; and determining, using a computing device processor, that the user has executed the purchase with the merchant, wherein determining further comprises; determining that the user is excluded from receiving the offer for the purchase based on at least a second user exclusion rule; and determining that the offer from the merchant is excluded from being presented to the user based on at least a second merchant exclusion rule; wherein the second user exclusion rule and the second merchant exclusion rule are applied after the purchase is executed by the user and before the purchase is settled at a predetermined future settlement date; and applying, using a computing device processor, the at least one offer to the purchase executed by the user at the predetermined future settlement date based on at least determining that the user and the offer from the merchant are not excluded at the time of the execution of the purchase and are excluded at the predetermined future settlement date.
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17. A computer program product for reverse couponing, the computer program product comprising:
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a non-transitory computer-readable medium comprising a set of codes for causing a computer to; electronically receive a first input information associated with a user, wherein the first input information comprises user information associated with a user logged into an online banking website, the user information comprising account information associated with the user'"'"'s financial institution account and personal information associated with the user; store the first input information in a queue associated with the volatile memory until a second input information is received, wherein queuing further comprises reorganizing the first input information into the volatile memory; receive second input information associated with the user, wherein the second input information comprises social network information associated with the user; store the second input information in the queue associated with the volatile memory, wherein queuing the second input information further comprises reorganizing the second input information into the volatile memory; and determine a user profile based on at least the first input information and the second input information stored in the queue associated with the volatile memory; determine offer information associated with an offer based on at least the user profile determined using the first input information and the second input information stored in the queue associated with the volatile memory, the offer being associated with a variable discount or a rebate; adjust the offer information associated with the offer based on the user information and the account information, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase from a merchant associated with a financial institution, wherein adjusting the offer information comprises increasing the discount or the rebate, wherein adjusting further comprises; determining that the user is not excluded from receiving at least one offer based on at least a first user exclusion rule; and determining that the offer from the merchant associated with a predetermined category code is not excluded from being presented to the user based on at least a first merchant exclusion rule; wherein the first user exclusion rule and the first merchant exclusion rule are applied before the purchase is executed by the user; establish a communication link with a mobile device of the user, wherein establishing further comprises creating a wireless data channel with the mobile device of the user; transmit, via the established communication link, the offer to the user for display on the mobile device of the user; and determine that the user has executed the purchase with the merchant, wherein determining further comprises; determining that the user is excluded from receiving the offer for the purchase based on at least a second user exclusion rule; and determining that the offer from the merchant is excluded from being presented to the user based on at least a second merchant exclusion rule; wherein the second user exclusion rule and the second merchant exclusion rule are applied after the purchase is executed by the user and before the purchase is settled at a predetermined future settlement date; and apply the at least one offer to the purchase executed by the user at the predetermined future settlement date based on at least determining that the user and the offer from the merchant are not excluded at the time of the execution of the purchase and are excluded at the predetermined future settlement date.
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Specification