SYSTEM AND METHOD OF NOTIFYING USER NEAR POINT OF SALE LOCATION OF AVAILABLE REWARDS AT THE POINT OF SALE LOCATION

• US 20170337563A1
• Filed: 07/28/2017
• Published: 11/23/2017
• 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.
• Granted Patent: US 10,223,704 B2
• Time in Patent Office: Days
• 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 identification information and information about a current location of a user;

determining whether the user is within a first distance of one or more of a plurality of point of sale locations;

accessing a reward points account of the user using the identification information to determine whether reward points are available for redemption at the one or more point of sale locations to which the user is within a first distance of; and

notifying, utilizing a user notification system, the user of available rewards for that particular user at the point of sale location based on a rewards account associated with that particular user.

2. The method of claim 1, further comprising facilitating the redemption of the user'"'"'s reward points at the point of sale.

3. The method of claim 1, further comprising providing the rewards to the user at the point of sale.

4. The method of claim 2 wherein a mobile device is used to facilitate the redemption of the user'"'"'s reward points at the point of sale.

5. The method of claim 3, wherein a mobile device is used to receive the provided rewards to the user at the point of sale.

6. The method of claim 1, wherein the rewards are provided to a mobile device remote from the point of sale.

7. The method of claim 1, further comprising facilitating the browsing of available rewards by the user.

8. The method of claim 1, wherein the browsing occurs on a mobile device.

9. A rewards system, comprising:

an identification module that receives information for identifying a current location of a user and determining whether the user is within a first distance of a plurality of point of sale locations; and

an electronically controlled awards notification module for accessing a rewards account of the user, determining whether rewards points are available to the user for redemption at one or more of the plurality of point of sale locations, and sending a notification to the user of available reward points for redemption at one or more of the plurality of point of sale locations.

10. The rewards system of claim 9, wherein the notification to the user of available reward points is sent to a mobile device.

11. The rewards system of claim 9, wherein the information for identifying a current location of a user is obtained from a mobile device.

12. The rewards system of claim 9, wherein the awards notification module transmits reward information to a system located at one or more of the plurality of point of sale locations.

13. The rewards system of claim 9, wherein the information for identifying the user comprises biometric information.

14. The rewards system of claim 9, wherein the information for identifying the user comprises financial card information.

15. The rewards system of claim 9, further comprising a mobile device for reviewing the available reward points.

16. The rewards system of claim 9, further comprising a mobile device for facilitating the redemption of reward points at one or more of the plurality of point of sale locations.

17. The rewards system of claim 9, further comprising a mobile device for facilitating the redemption of reward points remote from the plurality of the point of sale locations.