Method and system for providing relevant sale event notifications using financial transaction data and location data
First Claim
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.
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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.
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Citations
25 Claims
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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:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A system for providing relevant sale event notifications using financial transaction data and location data comprising:
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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. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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25. A system for providing relevant sale event notifications using financial transaction data and location data comprising:
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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.
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Specification