TARGETED CUSTOMER BENEFIT OFFERS

• US 20110060636A1
• Filed: 09/04/2009
• Published: 03/10/2011
• Est. Priority Date: 09/04/2009
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Grossman, Glenn M., Giordano, Joseph A.
• Application Number:
  US12/554,622
• Publication Number:
  US 20110060636A1
• Time in Patent Office: Days
• US Class Current: 705/14.25
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0224 based on user history

Abstract

Apparatus and methods for providing targeted customer benefit offers are provided. A system for associating a customer benefit offer with a purchasing instrument, the purchasing instrument associated with an account on an electronic offer platform, the account being associated with a customer, is provided. The system may include an electromagnetic receiver module configured to receive a customer benefit offer from an offer source and customer purchasing behavior data. The data may correspond to the customer. The system may also include a processor module configured to determine if the customer benefit offer is compatible with the customer based on the data and, if the customer benefit offer is compatible with the customer, store the customer benefit offer on the platform for transmission to the customer.

Claims

1. A method for associating a customer benefit offer with a purchasing instrument, the purchasing instrument associated with an account on an electronic offer platform, the account being associated with a customer, the method comprising:

using an electromagnetic receiver module, receiving a customer benefit offer from an offer source;

using the electromagnetic receiver module, receiving customer purchasing behavior data, the data corresponding to the customer;

using a processing module, determining if the customer benefit offer is compatible with the customer based on the data; and

,

if the customer benefit offer is compatible with the customer, storing the customer benefit offer on the platform for transmission to the customer.

2. The method of claim 1 wherein the determining comprises deriving a customer purchasing preference criterion based on the customer purchasing behavior data.

3. The method of claim 2 wherein the deriving comprises deriving a customer preference for a vendor.

4. The method of claim 2 wherein the deriving comprises deriving a customer preference for a type of goods.

5. The method of claim 1 wherein the determining comprises applying a customer credit-worthiness criterion to the customer purchasing behavior data.

6. The method of claim 1 wherein the determining comprises deriving a geographic location criterion from the customer purchasing behavior data.

7. The method of claim 1 wherein the determining comprises deriving a customer brand preference criterion from the customer purchasing behavior data.

8. The method of claim 1 wherein the receiving a customer benefit offer comprises receiving the customer benefit offer from a purchasing loyalty program.

9. The method of claim 1 wherein the receiving a customer benefit offer comprises receiving the customer benefit offer from a retailer.

10. The method of claim 1 wherein the receiving a customer benefit offer comprises using the receiver module to receive a customer benefit offer formulated substantially exclusively for distribution via the platform.

11. The method of claim 1 wherein the determining comprises applying analytic techniques to statistically predict coupon use.

12. The method of claim 1 further comprising, using the processing module, establishing a logical association between the customer benefit offer and a credit card number or a debit card number.

13. A computer usable medium having computer readable program code embodied therein, said computer readable program code adapted to be executed to implement a method for associating a customer benefit offer with a purchasing instrument, the purchasing instrument associated with an account on an electronic offer platform, the account being associated with a customer, the method comprising:

receiving a customer benefit offer from an offer source;

receiving customer purchasing behavior data, the data corresponding to the customer;

determining if the customer benefit offer is compatible with the customer based on the data; and

,

if the customer benefit offer is compatible with the customer, storing the customer benefit offer on the platform for transmission to the customer.

14. The medium of claim 13 wherein, in the method, the determining comprises deriving a customer purchasing preference criterion based on the customer purchasing behavior data.

15. The medium of claim 13 wherein, in the method, the deriving comprises deriving a customer preference for a vendor.

16. The medium of claim 13 wherein, in the method, the deriving comprises deriving a customer preference for a type of goods.

17. The medium of claim 13 wherein, in the method, the determining comprises applying a customer credit-worthiness criterion to the customer purchasing behavior data.

18. The medium of claim 13 wherein, in the method, the determining comprises deriving a geographic location criterion from the customer purchasing behavior data.

19. The medium of claim 13 wherein, in the method, the determining comprises deriving a customer brand preference criterion from the customer purchasing behavior data.

20. The medium of claim 13 wherein, in the method, the receiving a customer benefit offer comprises receiving the customer benefit offer from a purchasing loyalty program.

21. The medium of claim 13 wherein, in the method, the receiving a customer benefit offer comprises receiving the customer benefit offer from a retailer.

22. The medium of claim 13 wherein, in the method, the receiving a customer benefit offer comprises using the receiver module to receive a customer benefit offer formulated substantially exclusively for distribution via the platform.

23. The medium of claim 13 wherein, in the method, the determining comprises applying analytic techniques to statistically predict coupon use.

24. The medium of claim 13 wherein the method further comprises establishing a logical association between the customer benefit offer and a credit card number or a debit card number.

25. A system for associating a customer benefit offer with a purchasing instrument, the purchasing instrument associated with an account on an electronic offer platform, the account being associated with a customer, the system comprising:

an electromagnetic receiver module configured to receive;

a customer benefit offer from an offer source; and

customer purchasing behavior data, the data corresponding to the customer;

a processor module configured to;

determine if the customer benefit offer is compatible with the customer based on the data; and

,

if the customer benefit offer is compatible with the customer, store the customer benefit offer on the platform for transmission to the customer.

26. The system of claim 25 wherein the processor is further configured to derive a customer purchasing preference criterion based on the customer purchasing behavior data.

27. The system of claim 25 wherein the processor is further configured to derive a customer preference for a vendor.

28. The system of claim 27 wherein the customer preference is a preference for a type of goods.

29. The system of claim 25 wherein the processor is further configured to apply a customer credit-worthiness criterion to the customer purchasing behavior data.

30. The system of claim 25 wherein the processor is further configured to derive a geographic location criterion from the customer purchasing behavior data.

31. The system of claim 25 wherein the processor is further configured to derive a customer brand preference criterion from the customer purchasing behavior data.

32. The system of claim 25 wherein the receiver module is further configured to receive the customer benefit offer from a purchasing loyalty program.

33. The system of claim 25 wherein the receiver module is further configured to receive the customer benefit offer from a retailer.

34. The system of claim 25 wherein the receiver module is further configured to receive a customer benefit offer formulated substantially exclusively for distribution via the platform.

35. The system of claim 25 wherein the processor is further configured to statistically predict coupon use.

36. The system of claim 25 wherein the processor module is further configured to establish a logical association between the customer benefit offer and a credit card number or a debit card number.