Systems and methods for providing offers using a mobile device

• US 9,741,052 B2
• Filed: 12/08/2016
• Issued: 08/22/2017
• 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:
  US15/373,213
• Publication Number:
  US 20170091803A1
• Time in Patent Office: 257 Days
• 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 method comprising:

receiving, over a communication network, transaction line item data associated with a first transaction completed at a first merchant location by a user associated with a wireless device;

receiving, from the wireless device over the communication network, information indicating a current location of the wireless device;

determining that the current location of the wireless device is within a predetermined distance of a merchant location of a second merchant;

identifying, based on the transaction line item data and the current location of the wireless device, one or more applicable offers associated with the second merchant redeemable in a second transaction; and

transmitting the one or more applicable offers to the wireless device within the predetermined distance.

2. The method 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.

3. The method of claim 2, further comprising:

querying an offer database storing a plurality of offers 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

comparing the one or more applicable offers with 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.

4. The method of claim 1, wherein the transaction line item data associated with the first transaction is received from a merchant computing system associated with the first merchant location.

5. The method of claim 1, wherein the transaction line item data associated with the first transaction is received from the wireless device.

6. A remote offer system, comprising:

a processor; and

a memory storing instructions executable by the processor to cause the processor to;

receive, over a communication network, transaction line item data associated with a first transaction completed at a first merchant location by a user associated with a wireless device;

receive, from the wireless device over the communication network, information indicating a current location of the wireless device;

determine that the current location of the wireless device is within a predetermined distance of a merchant location of a second merchant;

identify, based on the transaction line item data and the current location of the wireless device, one or more applicable offers associated with the second merchant redeemable in a second transaction; and

transmit the one or more applicable offers to the wireless device within the predetermined distance.

7. The system of claim 6, 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.

8. The system of claim 7, further comprising:

an offer database storing a plurality of offers coded with at least one of an identifier of goods or services redeemable in the offer or a merchant identifier associated with the offer.

9. The system of claim 8, wherein the one or more applicable offers is identified based on a comparison of the one or more applicable offers with 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.

10. The system of claim 6, wherein the determination that the current location of the wireless device is within the predetermined distance of the location of the second merchant is based on merchant information received from the wireless device indicating the wireless device is positioned at the location of the second merchant.

11. The system of claim 6, further comprising:

a location database storing location information for a plurality of merchants.

12. The system of claim 11, wherein the determination that the current location of the wireless device is within the predetermined distance of the location of the second merchant is based on a query of the location database based on GPS data received from the wireless device.

13. The system of claim 6, wherein the one or more applicable offers is identified based on a time of day.

14. The system of claim 6, wherein the transaction line item data associated with the first transaction is received from a merchant computing system associated with the first merchant location.

15. The system of claim 6, wherein the transaction line item data associated with the first transaction is received from the wireless device.

16. A non-transitory computer-readable medium storing instructions that, when executed by one or more processors, causes the one or more processors to perform operations comprising:

receiving, over a communication network, transaction line item data associated with a first transaction completed at a first merchant location by a user associated with a wireless device;

receiving, from the wireless device over the communication network, information indicating a current location of the wireless device;

determining that the current location of the wireless device is within a predetermined distance of a merchant location of a second merchant;

identifying, based on the transaction line item data and the current location of the wireless device, one or more applicable offers associated with the second merchant redeemable in a second transaction; and

transmitting the one or more applicable offers to the wireless device within the predetermined distance.

17. The non-transitory computer-readable medium of claim 16, 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.

18. The non-transitory computer-readable medium of claim 17, wherein the identifying one or more applicable offers includes:

querying an offer database storing a plurality of offers 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

comparing the one or more applicable offers with 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.

19. The non-transitory computer-readable medium of claim 16, wherein the determining that the current location of the wireless device is within the predetermined distance of the location of the second merchant is based on merchant information received from the wireless device indicating the wireless device is positioned at the location of the second merchant.

20. The non-transitory computer-readable medium of claim 16, wherein the determining that the current location of the wireless device is within the predetermined distance of the location of the second merchant includes querying a location database storing location information for a plurality of merchants based on GPS data received from the wireless device.

21. The non-transitory computer-readable medium of claim 16, wherein the transaction line item data associated with the first transaction is received from a merchant computing system associated with the first merchant location.

22. The non-transitory computer-readable medium of claim 16, wherein the transaction line item data associated with the first transaction is received from the wireless device.