Systems and methods for providing offers using a mobile device

• US 9,558,504 B2
• Filed: 08/08/2016
• Issued: 01/31/2017
• Est. Priority Date: 09/22/2014
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Financial Corporation
• Inventors: Loomis, Daniel
• Primary Examiner(s): Marshall, Christle I
• Application Number:
  US15/231,746
• Publication Number:
  US 20160350786A1
• Time in Patent Office: 176 Days
• US Class Current: 1/1
• CPC Class Codes: G06F 16/22 Indexing; Data structures therefor; Storage structures
• CPC Class Codes: G06F 16/29 Geographical information databases
• CPC Class Codes: G06F 16/951 Indexing; Web crawling techniques
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives
• CPC Class Codes: G06Q 30/0252 based on events or environment, e.g. weather or festivals
• CPC Class Codes: G06Q 30/0253 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0261 based on user location
• CPC Class Codes: G06Q 30/0264 based upon schedule
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0268 at point-of-sale [POS]
• CPC Class Codes: H04W 4/021 Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences

Abstract

A wireless device is enabled to provide offers. The wireless device receives card data for a financial account card and stores the card data in a memory associated with the wireless device. Responsive to using the card data in a transaction at a first merchant location, the wireless device receives transaction line-item data from a computing system associated with the first merchant location. The wireless device determines merchant information for a second merchant location and determines an offer associated with the second merchant location based on the line-item data and the merchant information for the second merchant. The wireless device presents the offer when the wireless device is near the second merchant location.

Claims

1. A wireless device for using account data during a transaction, comprising:

a display;

one or more processors; and

a memory storing instructions that when executed by the one or more processors, cause the one or more processors to;

receive transaction line item data, wherein the transaction line item data is associated with a first transaction completed at a first merchant location;

provide the transaction line item data to a remote computing system;

provide current location information of the wireless device to the remote computing system;

responsive to when a current location of the wireless device is within a predetermined distance of at least one merchant location of a second merchant, receive, from the remote computing system, an applicable offer determined from among a plurality of offers redeemable in a second transaction, the applicable offer being determined based on a comparison of the plurality of offers with the transaction line item data, wherein the applicable offer is associated with the second merchant; and

present, while the wireless device is within the predetermined distance, an indication of the applicable offer associated with the second merchant on the display.

2. The wireless device of claim 1, wherein the instructions further cause the one or more processors to present an indication of a recommended transaction account, from among a plurality of transaction accounts associated with the wireless device, to be used in the second transaction with the applicable offer associated with the second merchant.

3. The wireless device of claim 1, wherein the transaction line item data includes at least one of an identifier of goods or services purchased in the first transaction or a merchant identifier associated with the first merchant location.

4. The wireless device of claim 3, wherein the plurality of offers redeemable in the second transaction are coded with at least one of an identifier of goods or services redeemable in the offer or a merchant identifier associated with the offer.

5. The wireless device of claim 4, wherein the applicable offer is determined based on at least one of (i) the identifier of goods or services purchased in the first transaction or (ii) the merchant identifier associated with the first merchant location.

6. The wireless device of claim 1, wherein a determination that the current location of the wireless device is within the predetermined distance of the at least one merchant location of the second merchant is based on a wireless signal received by the wireless device at the at least one merchant location of the second merchant.

7. The wireless device of claim 1, wherein a determination that the current location of the wireless device is within the predetermined distance of the at least one merchant location of the second merchant is based on GPS data.

8. The wireless device of claim 1, wherein a determination that the current location of the wireless device is within the predetermined distance of the at least one merchant location of the second merchant is based on a lookup of merchants associated with the current location of the wireless device.

9. The wireless device of claim 1, wherein the instructions further cause the one or more processors to present a first indication of the applicable offer at a time the applicable offer among the plurality of offers is received.

10. The wireless device of claim 1, wherein the applicable offer is determined based on a time of day.

11. The wireless device of claim 1, wherein the receiving transaction line item data includes receiving the transaction line item data from a merchant computing system associated with the first merchant location, responsive to completing the first transaction at the first merchant location.

12. A non-transitory computer readable medium storing instructions that, when executed by one or more processors associated with a wireless device, causes the one or more processors to perform operations comprising:

receiving transaction line item data, wherein the transaction line item data is associated with a first transaction completed at a first merchant location;

providing the transaction line item data to a remote computing system;

providing current location information of the wireless device to the remote computing system;

responsive to when a current location of the wireless device is within a predetermined distance of at least one merchant location of a second merchant, receiving, from the remote computing system, an applicable offer determined from among a plurality of offers redeemable in a second transaction, the applicable offer being determined based on a comparison of the plurality of offers with the transaction line item data, wherein the applicable offer is associated with the second merchant; and

presenting, while the wireless device is within the predetermined distance, an indication of the applicable offer associated with the second merchant on the display.

13. The non-transitory computer readable medium of claim 12, wherein the instructions further cause the one or more processors to present an indication of a recommended transaction account, from among a plurality of transaction accounts associated with the wireless device, to be used in the second transaction with the applicable offer associated with the second merchant.

14. The non-transitory computer readable medium of claim 12, wherein the transaction line item data includes at least one of an identifier of goods or services purchased in the first transaction or a merchant identifier associated with the first merchant location, and the applicable offer is determined based on at least one of (i) the identifier of goods or services purchased in the first transaction or (ii) the merchant identifier associated with the first merchant location.

15. The non-transitory computer readable medium of claim 12, wherein a determination that the current location of the wireless device is within the predetermined distance of the at least one merchant location of the second merchant is based on a wireless signal received by the wireless device at the at least one merchant location of the second merchant.

16. The non-transitory computer readable medium of claim 12, wherein a determination that the current location of the wireless device is within the predetermined distance of the at least one merchant location of the second merchant is based on GPS data.

17. A method comprising:

receiving, via a wireless device, transaction line item data, wherein the transaction line item data is associated with a first transaction completed at a first merchant location;

providing, by the wireless device, the transaction line item data to a remote computing system;

providing current location information of the wireless device to the remote computing system;

responsive to when a current location of the wireless device is within a predetermined distance of at least one merchant location of a second merchant, receiving, from the remote computing system, an applicable offer determined from among a plurality of offers redeemable in a second transaction, the applicable offer being determined based on a comparison of the plurality of offers with the transaction line item data, wherein the applicable offer is associated with the second merchant; and

presenting, while the wireless device is within the predetermined distance, an indication of the applicable offer associated with the second merchant on the display.

18. The method of claim 17, further comprising presenting an indication of a recommended transaction account, from among a plurality of transaction accounts associated with the wireless device, to be used in the second transaction with the applicable offer associated with the second merchant.

19. The method of claim 17, wherein a determination that the current location of the wireless device is within the predetermined distance of the at least one merchant location of the second merchant is based on at least one of a (i) wireless signal received by the wireless device at the second merchant location, (ii) GPS data, and (iii) a lookup of merchants associated with the current location of the wireless device.

20. The method of claim 17, wherein the plurality of offers redeemable in the second transaction are coded with at least one of an identifier of goods or services redeemable in the offer or a merchant identifier associated with the offer, and wherein the applicable offer is determined from the transaction line item data based on at least one of (i) an identifier of goods or services purchased in the first transaction or (ii) a merchant identifier associated with the first merchant location.