System and method of notifying user near point of sale location of available rewards at the point of sale location

• US 9,754,267 B1
• Filed: 03/23/2011
• Issued: 09/05/2017
• Est. Priority Date: 11/17/2006
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Financial Corporation
• Inventors: Chen, Lianghan, Correll, Kevin, Telyaz, Leon, Pivnick, Nicole E.
• Primary Examiner(s): Savusdiphol, Paultep
• Application Number:
  US13/069,785
• Time in Patent Office: 2,358 Days
• Field of Search: 235375, 235379, 235380, 235383, 235451, 235492
• CPC Class Codes: G06K 17/00 Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising

Abstract

Systems and methods for a point of sale reward system are provided. The system notifies users proximate to a point of sale location of rewards available for redemption specific to that user at that specific point of sale location.

Claims

1. A method comprising:

receiving, at a central processor, user preferences associated with a rewards account;

receiving, at the central processor, identification information and information about a current location of a user associated with the user preferences via a network, wherein the information about the current location of the user is received in response to a user transaction at a first point of sale (POS) system and based on first POS system data;

accessing, in data storage associated with the central processor, a rewards account of the user using the identification information to determine available rewards, wherein the determination of the available rewards is based at least in part on the user preferences;

determining, using the central processor, a merchant within a predetermined distance of the current location of the user associated with the determined available rewards using the received information about the current location of the user and the determined available rewards;

transmitting, from a user notification module of the central processor via a network, a push notification to a mobile device associated with the user, wherein the push notification comprises data indicative of the available rewards and the merchant within the predetermined distance of the current location of the user; and

receiving, at the central processor, redemption data associated with the push notification.

2. The method of claim 1, wherein the merchant comprises a second POS system.

3. The method of claim 2, wherein at least one of the first POS system and the second POS system comprises:

an account reader;

a display; and

an input/output module connectively coupling the POS system to a network.

4. The method of claim 3, wherein the account reader is connectively coupled to a payment transaction system.

5. The method of claim 3, wherein the account reader comprises at least one of:

an optical card reader, a card reader, a biometric reader, and an alternative account reader.

6. The method of claim 1, wherein the available rewards is received from a rewards server.

7. The method of claim 6, wherein the rewards server is distinct from the central processor.

8. The method of claim 1, wherein the redemption data is received from a rewards server based on the use of a transaction card at the merchant.

9. The method of claim 1, wherein the available rewards comprises at least one of:

a specific discount, a general discount, a refund, and a reward points redemption.

10. The method of claim 1, further comprising associating the redemption data with a rewards purchase at the central processor.

11. The method of claim 1, wherein the redemption data associated with the push notification indicates a remote transaction.

12. The method of claim 1, wherein the push notification comprises at least one of:

a text message, a voice mail message, an e-mail, and a web page.

13. The method of claim 1, wherein the identification data comprises at least one of:

biometric data and data from a financial card.

14. The method of claim 1, wherein the preferences comprise at least one of:

communication preferences, classification of items preferences, price range preferences, merchant preferences, and rewards range preferences.

15. A rewards system, comprising:

data storage storing a user rewards account; and

a central processor connected to the data storage, the central processor configured to;

receive user preferences associated with a rewards account;

receive information for identifying a current location of a user via a network, wherein the current location is received in response to a user transaction at a first point of sale (POS) system and based on first POS system data;

access the rewards account of the user stored in the data storage using the identification information to determine available rewards, wherein the determination of the available rewards is based at least in part on the user preferences;

determine, using the received information about the current location of the user and the determined available rewards, a merchant within a predetermined distance of the current location of the user associated with the determined available rewards;

transmit, via a network, a push notification to a mobile device associated with the user, wherein the push notification comprises data indicative of the available rewards and the merchant within the predetermined distance of the current location of the user; and

receive redemption data associated with the push notification.

16. The system of claim 15, wherein the merchant comprises a second POS system.

17. The system of claim 16, wherein at least one of the first POS system and the second POS system comprises:

an account reader;

a display; and

an input/output module connectively coupling the POS system to a network.

18. The system of claim 17, wherein the account reader is connectively coupled to a payment transaction system.

19. The system of claim 15, wherein the available rewards is received from a rewards server.

20. The system of claim 19, wherein the rewards server is distinct from the central processor.

21. The system of claim 15, wherein the redemption data is received from a rewards server based on the use of a transaction card at the merchant.

22. The system of claim 15, wherein the available rewards comprises at least one of:

a specific discount, a general discount, a refund, and a reward points redemption.

23. The system of claim 15, wherein the central processor further associates the redemption data with a rewards purchase.

24. The system of claim 15, wherein the redemption data associated with the push notification indicates a remote transaction.