Method and system for providing relevant sale event notifications using financial transaction data and location data

• US 9,607,318 B1
• Filed: 09/19/2013
• Issued: 03/28/2017
• Est. Priority Date: 09/19/2013
• Status: Active Grant

• Current Assignee: Intuit, Inc.
• Original Assignee: Intuit, Inc.
• Inventors: Gerchikov, Yuri, Berg, Stewart E., Yip, Kent
• Primary Examiner(s): Reagan, James A
• Application Number:
  US14/031,456
• Time in Patent Office: 1,286 Days
• Field of Search: 705/14, 705/14.49
• US Class Current: 1/1
• CPC Class Codes: G06Q 30/0259 based on store location

Abstract

Financial data associated with a consumer is obtained and analyzed to generate merchant watch list data associated with consumer. Sale events data is obtained associated with one or more sale events being sponsored by one or more merchants. Geographic position data associated with the consumer is the monitored and obtained. The merchant watch list data, the sale events data, and the geographic position data associated with the consumer, is then analyzed to identify matched sale event data representing sale events being sponsored by one or more merchants identified in the merchant watch list data and having sale event location data indicating a sale event location within a defined threshold distance of the approximate current geographic location of the consumer, and/or an anticipated future geographic location of the consumer. Sale event alert data is then provided to the consumer.

Claims

1. A computing system implemented method for providing relevant sale event notifications using financial transaction data and location data comprising the following, which when executed individually or collectively by any set of one or more processors perform a process comprising:

continuously monitoring, at a consumer device in the possession of a consumer, a geographical location of the consumer, the monitoring producing geographic location data indicating geographical locations of the consumer and data indicating when the consumer was located at the geographical locations;

accumulating, by the consumer device, the geographical location data over time, resulting in historical geographic location data;

predicting, at the consumer device, based on a current geographical location of the consumer and the historical geographic location data, one or more anticipated future geographic locations of the consumer;

obtaining financial data associated with the consumer, at least a portion of the financial data being obtained from a financial institution of the consumer using login data of the consumer, at least a portion of the financial data being obtained from a personal financial management system of the consumer;

analyzing the financial data associated with the consumer to generate merchant watch list data associated with consumer, the merchant watch list data identifying one or more merchants used by the consumer more than a threshold number of times during a predefined time period;

obtaining sale events data from one or more sources including from one or more consumers via one or more crowd-sourcing systems, the sale events data indicating one or more sale events being sponsored by one or more of the identified merchants used by the consumer more than a threshold number of times during a predefined time period, the sales event data including sale event location data indicating geographic locations of the sale events;

determining, using one or more of the anticipated future geographic locations of the consumer and the sale events data, projected traffic conditions in the area between the geographic location of the consumer and the geographic locations of the sale events;

determining, using the projected traffic conditions in the area between the geographic location of the consumer and the geographic locations of the sale events, estimated travel times between anticipated future geographic locations of the consumer and the geographic locations of the sales events;

analyzing the sale events data, the geographic position data associated with the consumer and the estimated travel times, to identify matched sale event data representing sale events having sale event location data indicating a sale event location the consumer can arrive at while the sale event is active; and

providing sale event alert data to the consumer informing the consumer of the matched sale event data.

2. The computing system implemented method for providing relevant sale event notifications using financial transaction data and location data of claim 1 wherein the at least part of the financial data associated with the consumer is financial transaction data obtained from a financial transaction management system.

3. The computing system implemented method for providing relevant sale event notifications using financial transaction data and location data of claim 1 wherein the at least part of the financial data associated with the consumer is financial transaction data obtained from an online banking system.

4. The computing system implemented method for providing relevant sale event notifications using financial transaction data and location data of claim 1 wherein analyzing the financial data associated with the consumer to generate merchant watch list data associated with consumer includes identifying one or more merchants used by the consumer at two or more locations associated with the one or more merchants.

5. The computing system implemented method for providing relevant sale event notifications using financial transaction data and location data of claim 1 wherein at least part of the sale events data is obtained from one or more merchants sponsoring the sale events.

6. The computing system implemented method for providing relevant sale event notifications using financial transaction data and location data of claim 1 wherein the sale events data further includes sale event date and time data indicating the dates and times of the sale events.

7. The computing system implemented method for providing relevant sale event notifications using financial transaction data and location data of claim 6 wherein the merchant watch list data, the sale events data, and the geographic position data associated with the consumer, are analyzed to identify matched sale event data representing sale events being sponsored by one or more merchants identified in the merchant watch list data and having sale event location data indicating a sale event location at a sale event date and time such that the anticipated future geographic location of the consumer places the consumer within a defined threshold distance of the sale event location at the sale event date and time.

8. The computing system implemented method for providing relevant sale event notifications using financial transaction data and location data of claim 1 wherein geographic position data associated with the consumer is obtained from a geographic position reporting function associated with a mobile computing system associated with the consumer.

9. The computing system implemented method for providing relevant sale event notifications using financial transaction data and location data of claim 8 wherein the mobile computing system associated with the consumer is a mobile telephone associated with the consumer.

10. The computing system implemented method for providing relevant sale event notifications using financial transaction data and location data of claim 1 wherein geographic position data associated with the consumer is further obtained from an analysis of calendar data associated with the consumer.

11. The computing system implemented method for providing relevant sale event notifications using financial transaction data and location data of claim 1 wherein the sale event alert data is provided to the consumer through a mobile computing system in the possession of the consumer.

12. The computing system implemented method for providing relevant sale event notifications using financial transaction data and location data of claim 11 wherein the mobile computing system associated with the consumer is a mobile telephone associated with the consumer.

13. A system for providing relevant sale event notifications using financial transaction data and location data comprising:

at least one processor; and

at least one memory coupled to the at least one processor, the at least one memory having stored therein instructions which when executed by any set of the at least one processors, perform a process for providing relevant sale event notifications using financial transaction data and location data, the process for providing relevant sale event notifications using financial transaction data and location data including;

continuously monitoring, at a consumer device in the possession of a consumer, a geographical location of the consumer, the monitoring producing geographic location data indicating geographical locations of the consumer and data indicating when the consumer was located at the geographical locations;

accumulating, by the consumer device, the geographical location data over time, resulting in historical geographic location data;

predicting, at the consumer device, based on a current geographical location of the consumer and the historical geographic location data, one or more anticipated future geographic locations of the consumer;

obtaining financial data associated with the consumer, at least a portion of the financial data being obtained from a financial institution of the consumer using login data of the consumer, at least a portion of the financial data being obtained from a personal financial management system of the consumer;

analyzing the financial data associated with the consumer to generate merchant watch list data associated with consumer, the merchant watch list data identifying one or more merchants used by the consumer whose sale event data is determined to be of potential interest to the consumer, the analysis including identifying one or more merchants used by the consumer more than a threshold number of times during a predefined time period;

obtaining sale events data from one or more sources including from one or more consumers via one or more crowd-sourcing systems, the sale events data indicating one or more sale events being sponsored by one or more of the identified merchants used by the consumer more than a threshold number of times during a predefined time period, the sales event data including sale event location data indicating the geographic locations of the sale events;

determining, using one or more of the anticipated future geographic locations of the consumer and the sale events data, projected traffic conditions in the area between the geographic location of the consumer and the geographic locations of the sale events;

determining, using the projected traffic conditions in the area between the geographic location of the consumer and the geographic locations of the sale events, estimated travel times between anticipated future geographic locations of the consumer and the geographic locations of the sales events;

analyzing the sale events data, the geographic position data associated with the consumer and the estimated travel times to identify matched sale event data representing sale events having sale event location data indicating a sale event location the consumer can arrive at while the sale event is active; and

providing sale event alert data to the consumer informing the consumer of the matched sale event data.

14. The system for providing relevant sale event notifications using financial transaction data and location data of claim 13 wherein the at least part of the financial data associated with the consumer is financial transaction data obtained from a financial transaction management system.

15. The system for providing relevant sale event notifications using financial transaction data and location data of claim 13 wherein the at least part of the financial data associated with the consumer is financial transaction data obtained from an online banking system.

16. The system for providing relevant sale event notifications using financial transaction data and location data of claim 13 wherein analyzing the financial data associated with the consumer to generate merchant watch list data associated with consumer includes identifying one or more merchants used by the consumer at two or more locations associated with the one or more merchants.

17. The system for providing relevant sale event notifications using financial transaction data and location data of claim 13 wherein at least part of the sale events data is obtained from one or more merchants sponsoring the sale events.

18. The system for providing relevant sale event notifications using financial transaction data and location data of claim 13 wherein the sale events data further includes sale event date and time data indicating the dates and times of the sale events.

19. The system for providing relevant sale event notifications using financial transaction data and location data of claim 18 wherein the merchant watch list data, the sale events data, and the geographic position data associated with the consumer, are analyzed to identify matched sale event data representing sale events being sponsored by one or more merchants identified in the merchant watch list data and having sale event location data indicating a sale event location at a sale event date and time such that the anticipated future geographic location of the consumer places the consumer within a defined threshold distance of the sale event location at the sale event date and time.

20. The system for providing relevant sale event notifications using financial transaction data and location data of claim 13 wherein geographic position data associated with the consumer is obtained from a geographic position reporting function associated with a mobile computing system associated with the consumer.

21. The system for providing relevant sale event notifications using financial transaction data and location data of claim 20 wherein the mobile computing system associated with the consumer is a mobile telephone associated with the consumer.

22. The system for providing relevant sale event notifications using financial transaction data and location data of claim 13 wherein geographic position data associated with the consumer is further obtained from an analysis of calendar data associated with the consumer.

23. The system for providing relevant sale event notifications using financial transaction data and location data of claim 13 wherein the sale event alert data is provided to the consumer through a mobile computing system in the possession of the consumer.

24. The system for providing relevant sale event notifications using financial transaction data and location data of claim 23 wherein the mobile computing system associated with the consumer is a mobile telephone associated with the consumer.

25. A system for providing relevant sale event notifications using financial transaction data and location data comprising:

at least one processor; and

at least one memory coupled to the at least one processor, the at least one memory having stored therein instructions which when executed by any set of the at least one processors, perform a process for providing relevant sale event notifications using financial transaction data and location data, the process for providing relevant sale event notifications using financial transaction data and location data including;

continuously monitoring, at a consumer device in the possession of a consumer, a geographical location of the consumer, the monitoring producing geographic location data indicating geographical locations of the consumer and data indicating when the consumer was located at the geographical locations;

accumulating, by the consumer device, the geographical location data over time, resulting in historical geographic location data;

predicting, at the consumer device, based on a current geographical location of the consumer and the historical geographic location data, one or more anticipated future geographic locations of the consumer;

obtaining financial data associated with the consumer, at least a portion of the financial data being obtained from a financial institution of the consumer using login data of the consumer, at least a portion of the financial data being obtained from a personal financial management system of the consumer;

analyzing the financial data associated with the consumer to generate merchant watch list data associated with consumer, the merchant watch list data identifying one or more merchants used by the consumer whose sale event data is determined to be of potential interest to the consumer, the analysis including identifying one or more merchants used by the consumer more than a threshold number of times during a predefined time period;

obtaining sale events data from one or more sources including from one or more consumers via one or more crowd-sourcing systems, the sale events data indicating one or more sale events being sponsored by one or more of the identified merchants used by the consumer more than a threshold number of times during a predefined time period, the sales event data including sale event location data indicating the geographic location of the sale events;

determining, using one or more of the anticipated future geographic locations of the consumer and the sale events data, projected traffic conditions in the area between the geographic location of the consumer and the geographic locations of the sale events;

determining, using the projected traffic conditions in the area between the geographic location of the consumer and the geographic locations of the sale events, estimated travel times between anticipated future geographic locations of the consumer and the geographic locations of the sales events;

analyzing the sale events data, the geographic position data associated with the consumer and the estimated travel times to identify matched sale event data representing sale events having sale event location data indicating a sale event location at a sale event date and time the consumer can arrive at while the sale event is active; and

providing sale event alert data to the consumer device in the possession of the consumer, the sale event alert data informing the consumer of the matched sale event data.