System and method for connectivity contextual services local online experience

A method comprising:

• recognizing, by a computer-based system, a merchant device connected to a connectivity contextual services connectivity system;
• identifying, by the computer-based system, an identity of a merchant associated with the merchant device in response to the recognizing;
• receiving, by the computer-based system, a query from a user portable device;
• determining, by the computer-based system, that the merchant associated with the merchant device is a corresponding merchant to the query;
• prioritizing, by the computer-based system, the merchant in a response to the query;
• returning, by the computer-based system dynamically and in real-time, the response to the user portable device;
• identifying, by the computer-based system, a user identity in response to a user confirming the user identity via the user portable device;
• determining, by the computer-based system dynamically and in real-time, connectivity contextual services to deliver to the user portable device and the merchant device in response to the identifying;
• instantiating, by the computer-based system dynamically and in real-time, a user-merchant session and delivering the connectivity contextual services to the user portable device and the merchant device;
• changing, by the computer-based system dynamically and in real-time, the connectivity contextual services delivered to the user portable device and the merchant device in response to the user portable device moving from a first location to a second location;
• evaluating, by the computer-based system dynamically and in real-time, a context environment of the user portable device,
• wherein the context environment includes whether the user portable device entered a store of the merchant, whether the user portable device is located within the store of the merchant, whether the user authorized a payment on the user portable device, whether the user opened an application on the user portable device, and whether the user portable device scanned a SKU for a product;
• determining, by the computer-based system dynamically and in real-time, information about the user portable device involved in a transaction;
• determining, by the computer-based system, information about software on the user portable device that was involved in the transaction;
• determining, by the computer-based system, characteristics of the user conducting the transaction;
• determining, by the computer-based system, characteristics of the transaction;
• determining, by the computer-based system, physical locations of the user, the merchant and location technology;
• determining, by the computer-based system, a type of a promotional input by the merchant;
• determining, by the computer-based system, a date and time of the transaction;
• determining, by the computer-based system dynamically and in real-time using machine learning techniques and feedback loops, a promotion applicable to the user based on the context environment, information about the user portable device, the information about software, the characteristics of the user, the characteristics of the transaction, the physical locations of the user, the type of the promotional input, the date of the transaction, the time of the transaction, risk analysis of the user, merchants visited by the user, a transaction history of the user, an amount of spend for the transaction, a frequency of the transaction, a number of transactions, a categorization of the transaction, activities by the user in a social media channel, activities by the user in an entertainment channel, activities by the user in a reservation channel and activities by the user in a review channel;
• determining, by the computer-based system dynamically and in real-time using the machine learning techniques and the feedback loops, customized content applicable to the user based on the context environment, the information about the user portable device, the information about software, the characteristics of the user, the characteristics of the transaction, the physical locations of the user portable device, the type of the promotional input, the date of the transaction, the time of the transaction, the risk analysis of the user, merchants visited by the user portable device, the transaction history of the user, the amount of spend for the transaction, the frequency of the transaction, the number of transactions, the categorization of the transaction, activities by the user portable device in a social media channel, activities by the user portable device in an entertainment channel, activities by the user portable device in the reservation channel and activities by the user portable device in the review channel;
• identifying, by the computer-based system, whether the context environment links to a merchant service of the merchant;
• providing, by the computer-based system dynamically and in real-time, inventory data to the user portable device for display on the user portable device;
• providing, by the computer-based system dynamically and in real-time, the customized content to the user portable device for display on the user portable device;
• providing, by the computer-based system, the promotion to the user portable device for display on the user portable device;
• applying, by the computer-based system and in response to the context environment linking to the merchant service of the merchant, the promotion to the transaction dynamically and in real-time;
• determining, by the computer-based system and based on the promotion, information about payment amount for the product;
• distributing, by the computer-based system, the information about the payment amount to the user;
• receiving, by the computer-based system, a transaction authentication comprising a user fingerprint;
• processing, by the computer-based system, the transaction in response to the receiving;
• and
• transmitting, by the computer-based system, a transaction confirmation.

A non-transitory computer program product having computer-executable instructions stored thereon that, if executed by a computer-based system, causes the computer-based system to be capable of performing operations comprising:

• recognizing, by the computer-based system, a merchant device connected to a connectivity contextual services connectivity system;
• identifying, by the computer-based system, an identity of a merchant associated with the merchant device in response to the recognizing;
• receiving, by the computer-based system, a query from a user portable device;
• determining, by the computer-based system, that the merchant associated with the merchant device is a corresponding merchant to the query;
• prioritizing, by the computer-based system, the merchant in a response to the query;
• returning, by the computer-based system dynamically and in real-time, the response to the user portable device;
• identifying, by the computer-based system, a user identity in response to a user confirming the user identity via the user portable device;
• determining, by the computer-based system dynamically and in real-time, connectivity contextual services to deliver to the user portable device and the merchant device in response to the identifying;
• instantiating, by the computer-based system dynamically and in real-time, a user-merchant session and delivering the connectivity contextual services to the user portable device and the merchant device;
• changing, by the computer-based system dynamically and in real-time, the connectivity contextual services delivered to the user portable device and the merchant device in response to the user portable device moving from a first location to a second location;
• evaluating, by the computer-based system dynamically and in real-time, a context environment of the user portable device,
• wherein the context environment includes whether the user portable device entered a store of the merchant, whether the user portable device is located within the store of the merchant, whether the user authorized a payment on the user portable device, whether the user opened an application on the user portable device, and whether the user portable device scanned a SKU for a product;
• determining, by the computer-based system dynamically and in real-time, information about the user portable device involved in a transaction;
• determining, by the computer-based system, information about software on the user portable device that was involved in the transaction;
• determining, by the computer-based system, characteristics of the user conducting the transaction;
• determining, by the computer-based system, characteristics of the transaction;
• determining, by the computer-based system, physical locations of the user, the merchant and location technology;
• determining, by the computer-based system, a type of a promotional input by the merchant;
• determining, by the computer-based system, a date and time of the transaction;
• determining, by the computer-based system dynamically and in real-time using machine learning techniques and feedback loops, a promotion applicable to the user based on the context environment, information about the user portable device, the information about software, the characteristics of the user, the characteristics of the transaction, the physical locations of the user, the type of the promotional input, the date of the transaction, the time of the transaction, risk analysis of the user, merchants visited by the user, a transaction history of the user, an amount of spend for the transaction, a frequency of the transaction, a number of transactions, a categorization of the transaction, activities by the user in a social media channel, activities by the user in an entertainment channel, activities by the user in a reservation channel and activities by the user in a review channel;
• determining, by the computer-based system dynamically and in real-time using the machine learning techniques and the feedback loops, customized content applicable to the user based on the context environment, the information about the user portable device, the information about software, the characteristics of the user, the characteristics of the transaction, the physical locations of the user portable device, the type of the promotional input, the date of the transaction, the time of the transaction, the risk analysis of the user, merchants visited by the user portable device, the transaction history of the user, the amount of spend for the transaction, the frequency of the transaction, the number of transactions, the categorization of the transaction, activities by the user portable device in a social media channel, activities by the user portable device in an entertainment channel, activities by the user portable device in the reservation channel and activities by the user portable device in the review channel;
• identifying, by the computer-based system, whether the context environment links to a merchant service of the merchant;
• providing, by the computer-based system dynamically and in real-time, inventory data to the user portable device for display on the user portable device;
• providing, by the computer-based system dynamically and in real-time, the customized content to the user portable device for display on the user portable device;
• providing, by the computer-based system, the promotion to the user portable device for display on the user portable device;
• applying, by the computer-based system and in response to the context environment linking to the merchant service of the merchant, the promotion to the transaction dynamically and in real-time;
• determining, by the computer-based system and based on the promotion, information about payment amount for the product;
• distributing, by the computer-based system, the information about the payment amount to the user;
• receiving, by the computer-based system, a transaction authentication comprising a user fingerprint;
• processing, by the computer-based system, the transaction in response to the receiving;
• and
• transmitting, by the computer-based system, a transaction confirmation.