INTEGRATED MERCHANT OFFER PROGRAM AND CUSTOMER SHOPPING
First Claim
1. A system for providing merchant offers, comprising:
- a memory device;
a communication device; and
a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute computer-readable program code to;
receive content information related to content in which a customer is interested;
access account information for the customer from a customer account at an institution;
determine an offer for the customer based at least in part on the content information received and the account information from the institution; and
provide the offer to the customer at a customer computer system.
1 Assignment
0 Petitions
Accused Products
Abstract
Embodiments of the invention include a merchant offer program application, which is downloaded onto a customer computer, and that works in connection with the customer'"'"'s accounts at an institution. The merchant offer program application monitors the websites that the customer views, as well as the content the customer is viewing on those websites, such as the products offered for sale through the website or other information on the website. The merchant offer program provides additional information to the customer, such as special offers that are available for the product being viewed, the identity of other merchants that offer the product or a competing product, advertisements or offers regarding other ancillary products typically sold along with the product being considered, etc. The information sent to the customer can be based not only on the website product being viewed, but on the customer'"'"'s past purchase behavior, account balances, interests, etc.
99 Citations
48 Claims
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1. A system for providing merchant offers, comprising:
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a memory device; a communication device; and a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute computer-readable program code to; receive content information related to content in which a customer is interested; access account information for the customer from a customer account at an institution; determine an offer for the customer based at least in part on the content information received and the account information from the institution; and provide the offer to the customer at a customer computer system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A computer program product for a merchant offer program system, the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:
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an executable portion configured for receiving content information related to content in which a customer is interested; an executable portion configured for accessing account information for the customer from a customer account at an institution; an executable portion configured for determining an offer for the customer based at least in part on the content information received and the account information from the institution; and an executable portion configured for providing the offer to the customer at a customer computer system. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33)
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34. A method for using an integrated merchant offer program for customer shopping, the method comprising:
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receiving content information related to content in which a customer is interested; accessing account information for the customer from a customer account at an institution; determining an offer for the customer based at least in part on the content information received and the account information from the institution, through the use of a processing device; and providing the offer to the customer at a customer computer system. - View Dependent Claims (35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48)
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Specification