Systems and methods for dynamic proximity based E-commerce transactions

• US 10,395,237 B2
• Filed: 05/22/2014
• Issued: 08/27/2019
• Est. Priority Date: 05/22/2014
• Status: Active Grant

• Current Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Basheerahammed, Sibish Neelikattil, Durvasula, Sastry V S M, Manivannan, Premkumar, Mathur, Anuj K., Muthukrishnan, Sathish B., Norman, Philip, Wilmes, Robert, Wolf, David M.
• Primary Examiner(s): Brown, Luis A
• Assistant Examiner(s): Johnson, Robert C
• Application Number:
  US14/284,817
• Publication Number:
  US 20150339655A1
• Time in Patent Office: 1,923 Days
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: G06Q 30/08 Auctions

Abstract

A method comprises transmitting, by a merchant web-client, a signal using a low energy consuming device, wherein the signal may be received by a transaction account holder web-client, wherein the signal may carry content associated with a merchant, and wherein the merchant is associated with the merchant web-client, and/or receiving, by the merchant web-client, a response from the transaction account holder web-client, wherein the response may be transmitted by the transaction account holder web-client to the merchant web-client using the low energy consuming device. The content may comprise an advertisement associated with an item offered for sale by the merchant.

Claims

1. A method comprising:

uploading, by a merchant web-client, merchant content for a plurality of items offered for sale by a merchant,

wherein a transaction account of a customer is synched with a transaction account holder web-client to create a synched transaction account;

receiving, by the merchant web-client and from the transaction account holder web-client, a first signal using a low energy consuming device,

wherein the receiving is in response to the customer logging into an app on the transaction account holder web-client, and

wherein the first signal includes personal information associated with the customer and a micro-location of the transaction account holder web-client;

determining, by the merchant web-client, merchant content based upon the personal information associated with the customer;

updating, by the merchant web-client, the merchant content to create updated content while the transaction account holder web-client is located within the micro-location and based upon the micro-location of the transaction account holder web-client, new customer status, loyal customer status and time of day that the transaction account holder web-client is located within the micro-location;

transmitting, by the merchant web-client and to the transaction account holder web-client, an interactive item catalog of the plurality of items based on the updated content and offered for sale by the merchant while the transaction account holder web-client is located within the micro-location;

transmitting, by the merchant web-client, a second signal using the low energy consuming device,

wherein the second signal is received by the transaction account holder web-client associated with the customer while the transaction account holder web-client is located within the micro-location,

wherein the second signal carries the updated content associated with the merchant,

wherein the updated content comprises an advertisement for an item of the plurality of items offered for sale by the merchant,

wherein the advertisement is based on the updated content, and

wherein the merchant is associated with the merchant web-client;

receiving, by the merchant web-client and from the transaction account holder web-client, a response including a bid to purchase the item from the plurality of items,

wherein the response is transmitted by the transaction account holder web-client to the merchant web-client using the low energy consuming device;

selecting, by the merchant web-client, the bid from a plurality of bids based upon at least one of;

a highest bid, a loyalty associated with the customer to the merchant, or a new customer status of the customer with the merchant;

notifying, by the merchant web-client, the transaction account holder web-client of winning the bid,

wherein the transaction account holder web-client authorizes a payment processor to pay for the item using the synched transaction account;

receiving, by the merchant web-client and from the payment processor, payment information and authentication details associated with the item,

wherein the payment processor charged an amount of the item to the synched transaction account;

providing, by the merchant web-client, the item to the customer in response to receiving the authentication details from the transaction account holder web-client; and

receiving, by the merchant web-client, feedback from the transaction account holder web-client using the low energy consuming device.

2. The method of claim 1, wherein the low energy consuming device comprises a low energy BLUETOOTH beacon (“

BLE beacon”

), and wherein the BLE beacon utilizes a cryptographic key exchange protocol.

3. The method of claim 1, wherein the low energy consuming device communicates with the transaction account holder web-client within 300 meters of the low energy consuming device.

4. A merchant web-client comprising:

a processor; and

a tangible, non-transitory memory communicating with the processor,

the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising;

uploading, by the merchant web-client, merchant content for a plurality of items offered for sale by a merchant,

wherein a transaction account of a customer is synched with a transaction account holder web-client to create a synched transaction account;

receiving, by the merchant web-client and from the transaction account holder web-client, a first signal using a low energy consuming device,

wherein the receiving is in response to the customer logging into an app on the transaction account holder web-client, and

wherein the first signal includes personal information associated with the customer and a micro-location of the transaction account holder web-client;

determining, by the merchant web-client, merchant content based upon the personal information associated with the customer;

updating, by the merchant web-client, the merchant content to create updated content while the transaction account holder web-client is located within the micro-location and based upon the micro-location of the transaction account holder web-client, new customer status, loyal customer status and time of day that the transaction account holder web-client is located within the micro-location;

transmitting, by the merchant web-client and to the transaction account holder web-client, an interactive item catalog of the plurality of items based on the updated content and offered for sale by the merchant while the transaction account holder web-client is located within the micro-location;

transmitting, by the merchant web-client, a second signal using the low energy consuming device,

wherein the second signal is received by the transaction account holder web-client associated with the customer while the transaction account holder web-client is located within the micro-location,

wherein the second signal carries the updated content associated with the merchant,

wherein the updated content comprises an advertisement for an item of the plurality of items offered for sale by the merchant,

wherein the advertisement is based on the updated content, and

wherein the merchant is associated with the merchant web-client;

receiving, by the merchant web-client and from the transaction account holder web-client, a response including a bid to purchase the item from the plurality of items,

wherein the response is transmitted by the transaction account holder web-client to the merchant web-client using the low energy consuming device;

selecting, by the merchant web-client, the bid from a plurality of bids based upon at least one of;

a highest bid, a loyalty associated with the customer to the merchant, or a new customer status of the customer with the merchant;

notifying, by the merchant web-client, the transaction account holder web-client of winning the bid,

wherein the transaction account holder web-client authorizes a payment processor to pay for the item using the synched transaction account;

receiving, by the merchant web-client and from the payment processor, payment information and authentication details associated with the item,

wherein the payment processor charged an amount of the item to the synched transaction account;

providing, by the merchant web-client, the item to the customer in response to receiving the authentication details from the transaction account holder web-client; and

receiving, by the merchant web-client, feedback from the transaction account holder web-client using the low energy consuming device.

5. An article of manufacture including a non-transitory, tangible computer readable medium having instructions stored thereon that, in response to execution by a merchant web-client, cause the merchant web-client to perform operations comprising:

uploading, by the merchant web-client, merchant content for a plurality of items offered for sale by a merchant,

wherein a transaction account of a customer is synched with a transaction account holder web-client to create a synched transaction account;

receiving, by the merchant web-client and from the transaction account holder web-client, a first signal using a low energy consuming device,

wherein the receiving is in response to the customer logging into an app on the transaction account holder web-client, and

wherein the first signal includes personal information associated with the customer and a micro-location of the transaction account holder web-client;

determining, by the merchant web-client, merchant content based upon the personal information associated with the customer;

updating, by the merchant web-client, the merchant content to create updated content while the transaction account holder web-client is located within the micro-location and based upon the micro-location of the transaction account holder web-client, new customer status, loyal customer status and time of day that the transaction account holder web-client is located within the micro-location;

transmitting, by the merchant web-client and to the transaction account holder web-client, an interactive item catalog of the plurality of items based on the updated content and offered for sale by the merchant while the transaction account holder web-client is located within the micro-location;

transmitting, by the merchant web-client, a second signal using the low energy consuming device,

wherein the second signal is received by the transaction account holder web-client associated with the customer while the transaction account holder web-client is located within the micro-location,

wherein the second signal carries the updated content associated with the merchant,

wherein the updated content comprises an advertisement for an item of the plurality of items offered for sale by the merchant,

wherein the advertisement is based on the updated content, and

wherein the merchant is associated with the merchant web-client;

receiving, by the merchant web-client and from the transaction account holder web-client, a response including a bid to purchase the item from the plurality of items,

wherein the response is transmitted by the transaction account holder web-client to the merchant web-client using the low energy consuming device;

selecting, by the merchant web-client, the bid from a plurality of bids based upon at least one of;

a highest bid, a loyalty associated with the customer to the merchant, or a new customer status of the customer with the merchant;

notifying, by the merchant web-client, the transaction account holder web-client of winning the bid,

wherein the transaction account holder web-client authorizes a payment processor to pay for the item using the synched transaction account;

receiving, by the merchant web-client and from the payment processor, payment information and authentication details associated with the item,

wherein the payment processor charged an amount of the item to the synched transaction account;

providing, by the merchant web-client, the item to the customer in response to receiving the authentication details from the transaction account holder web-client; and

receiving, by the merchant web-client, feedback from the transaction account holder web-client using the low energy consuming device.