Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce
First Claim
1. A method, comprising:
- receiving primary transaction data with respect to a primary transaction for a good or service as at least one input into a system,obtaining geographic information,determining, via at least one of the computing devices in the system, a coded designator based on data from a financial institution of an identity of a buyer,processing in at least one of the computing devices in the system at least in part the primary transaction data including a purpose of the primary transaction, the geographic information of the buyer and the coded designator, anddetermining, via at least one of the computing devices in the system, from the primary transaction data, the geographic information of the buyer and the coded designator an output including at least one item for offer to the buyer.
4 Assignments
0 Petitions
Accused Products
Abstract
Providing offers of an item constituting a good or a service to users of a system, utilizing an electronic communications device, comprises at least the following: establishing a communication via the electronic communications device between a given user and the system for purpose of a primary transaction for a first good or service, obtaining primary transaction data with respect to the primary transaction, including the purpose of the primary transaction, obtaining the identity of the given user, utilizing at least in part the primary transaction data including the purpose of the primary transaction and the identity of the user, and determining at least one item for offer to the given user, and offering the item to the given user.
318 Citations
20 Claims
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1. A method, comprising:
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receiving primary transaction data with respect to a primary transaction for a good or service as at least one input into a system, obtaining geographic information, determining, via at least one of the computing devices in the system, a coded designator based on data from a financial institution of an identity of a buyer, processing in at least one of the computing devices in the system at least in part the primary transaction data including a purpose of the primary transaction, the geographic information of the buyer and the coded designator, and determining, via at least one of the computing devices in the system, from the primary transaction data, the geographic information of the buyer and the coded designator an output including at least one item for offer to the buyer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A non-transitory computer-readable medium comprising executable instructions which when executed by a processor implement the following steps:
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receiving primary transaction data with respect to a primary transaction for a good or service as at least one input into a system, obtaining geographic information, determining a coded designator based on data from a financial institution of an identity of a buyer, processing at least in part the primary transaction data including a purpose of the primary transaction, the geographic information of the buyer and the coded designator, and determining from the primary transaction data, the geographic information of the buyer and the coded designator an output including at least one item for offer to the buyer. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. A system, comprising:
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at least one processor, and memory, wherein the at least one processor; receives primary transaction data with respect to a primary transaction for a good or service, obtains geographic information, determines a coded designator based on data from a financial institution of an identity of a buyer, processes at least in part the primary transaction data including a purpose of the primary transaction, the geographic information of the buyer and the coded designator, and determines from the primary transaction data, the geographic information of the buyer and the coded designator an output including at least one item for offer to the buyer. - View Dependent Claims (20)
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Specification