POINT OF SALE TRIGGERING OF OFFERS ALONG A PROJECTED TRAVEL ROUTE

• US 20130046632A1
• Filed: 08/19/2011
• Published: 02/21/2013
• Est. Priority Date: 08/19/2011
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Grigg, David M., Calman, Matthew A., Bose, Raja, Ross, Erik Stephen
• Application Number:
  US13/213,785
• Publication Number:
  US 20130046632A1
• Time in Patent Office: Days
• US Class Current: 705/14.58
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising

Abstract

Embodiments of the invention are directed to methods, systems, apparatus and computer program products are described herein for communicating offers to customers along a projected travel route after receiving an indication of a point of transaction event by collecting positioning information related to the customer, analyzing the positioning information to project the customer'"'"'s likely route of travel, identifying one or more offers in which the customer may be interested, based in part on the customer'"'"'s projected likely route of travel and communicating the offers to the customer.

Claims

1. A method for communicating offers for goods and services comprising:

receiving an indication of a transaction event involving a customer;

collecting a first set of data, wherein said first set of data comprises information related to the customer'"'"'s physical location;

analyzing the first set of data to project the customer'"'"'s likely route of travel;

identifying one or more offers that relate to the customer, based in part on the customer'"'"'s projected likely route of travel;

communicating the offer or offers to the customer.

2. The method of claim 1, further comprising:

collecting a second set of data, wherein said second set of data comprises information about the customer;

3. The method of claim 2, wherein identifying one ore more offers that relate to the customer is based in part on the second set of data.

4. The method of claim 1, wherein the first set of data is collected from at least one of global positioning data, mobile device data social networking data or search data.

5. The method of claim 2, wherein the second set of data is collected from at least one of transactional data, biographical data, social network data or publicly available data.

6. The method of claim 1, wherein the indication of a transaction event includes information regarding the transaction

7. The method of claim 6, wherein the information regarding the transaction comprises the time the transaction occurred.

8. The method of claim 6, wherein the information regarding the transaction comprises the location where the transaction occurred.

9. The method of claim 6, wherein the information regarding the transaction comprises item level information about what was purchased.

10. The method of claim 1, wherein identifying one or more offers that relate to the customer is based in part on the indication of a transaction event

11. The method of claim 1, wherein the one or more offers that relate to the customer are selected from discounts for goods or services offered by the merchant, discounts for goods or services offered by other merchants, access to goods or services otherwise unavailable to the customer, reductions in fees

12. The method of claim 1, further comprising the steps of:

receiving information from the customer relative to the projected route of travel;

adjusting the projection of the customer'"'"'s likely route of travel, based in part on the information received from the customer;

communicating alternative offers to the customer.

13. The method of claim 1, further comprising the steps of:

receiving information from the customer relative to the communicated offers;

identifying alternate offers that relate to the customer, based in part on the information from the customer;

communicating alternative offers to the customer.

14. An apparatus comprising:

a computing platform comprising a memory and at least one processor operatively connected with the memory, wherein the processor is configured to;

receive an indication of a transaction event involving a customer;

collect a first set of data, wherein said first set of data comprises information related to the customer'"'"'s physical location;

analyze the first set of data to project the customer'"'"'s likely route of travel;

identify one or more offers that relate to the customer, based in part on the customer'"'"'s projected likely route of travel;

communicate the offer or offers to the customer.

15. The apparatus of claim 14, wherein the processor is further configured to:

collect a second set of data, wherein the second set of data comprises information about the customer.

16. The apparatus of claim 15, wherein identifying one or more offers that relate to the customer is based in part on the second set of data.

17. The apparatus of claim 14, wherein the first set of data is collected from at least one of global positioning data, mobile device data, social network data or search data.

18. The apparatus of claim 15, wherein the second set of data is collected from at least one of transactional data, biographical data, social network data or publicly available data.

19. The apparatus of claim 14, wherein the indication of a transaction event includes information regarding the transaction.

20. The apparatus of claim 19, wherein the information regarding the transaction comprises the time the transaction occurred.

21. The apparatus of claim 19, wherein the information regarding the transaction comprises the location where the transaction occurred.

22. The apparatus of claim 19, wherein the information regarding the transaction comprises item level information about what was purchased.

23. The apparatus of claim 14, wherein identifying one or more offers that relate to the customer is based in part on the indication of a transaction event.

24. The apparatus of claim 14, wherein the one or more offers that relate to the customer are selected from discounts for goods or services offered by the merchant, discounts for goods or services offered by other merchants, access to goods or services otherwise unavailable to the customer, reductions in fees

25. The apparatus of claim 14, wherein the processor is further configured to:

receive information from the customer relative to the projected route of travel;

adjust the projection of the customer'"'"'s likely route of travel, based in part on the information received from the customer; and

communicate alternative offers to the customer.

26. The apparatus of claim 14, wherein the processor is further configured to:

receive information from the customer relative to the communicated offers;

identify alternate offers that relate to the customer, based in part on the information received from the customer;

communicate alternative offers to the customer.

27. A computer program product comprising a non-transitory computer-readable medium having computer-executable code stored thereon, the computer-executable code comprising:

a first code portion configured to receive an indication of a transaction event involving a customer;

a second code portion configured to collect a first set of data, wherein the first set of data comprises information related to the customer'"'"'s physical location;

a third code portion configured to analyze the first set of data to project the customer'"'"'s likely route of travel;

a fourth code portion configured to identify one or more offers that relate to the customer, based in part on the customer'"'"'s projected likely route of travel;

a fifth code portion configured to communicate the offer or offers to the customer.

28. The computer program product of claim 27, further comprising:

a code portion configured to collect a second set of data, wherein said second set of data comprises information about the customer.

29. The computer program product of claim 28, wherein identifying one or more offers that relate to the customer is based in part on the second set of data.

30. The computer program product of claim 27, wherein the first set of data is collected from at least one of global positioning data, mobile device data, social networking data or search data.

31. The computer program product of claim 28, wherein the second set of data is collected from at least one of transactional data, biographical data, social network data or publicly available data.

32. The computer program product of claim 27, wherein the indication of a transaction event includes information regarding the transaction.

33. The computer program product of claim 32, wherein the information regarding the transaction comprises the time the transaction occurred.

34. The computer program product of claim 32, wherein the information regarding the transaction comprises the location where the transaction occurred.

35. The computer program product of claim 32, wherein the information regarding the transaction comprises item level information about what was purchased.

36. The computer program product of claim 27, wherein identifying one or more offers that relate to the customer is based in part on the indication of a transaction event.

37. The computer program production of claim 27, wherein the one or more offers that relate to the customer are selected from discounts for goods or services offered by the merchant, discounts for goods or services offered by other merchants, access to goods or services otherwise unavailable to the customer, reductions in fees

38. The computer program product of claim 27, further comprising:

a code portion configured to receive information from the customer relative to the projected likely route of travel, adjust the projection of the customer'"'"'s likely route of travel based in part on the information received from the customer and communicate alternative offers to the customer.

39. The computer program product of claim 27, further comprising:

a code portion configured to receive information from the customer relative to the communicated offers, identify alternate offers that relate to the customer, based in part on the information received from the customer, and communicate alternative offers to the customer.