# US 12,192,848 B2 · Location-based messaging > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,192,848 B2 - Document ID: US12192848B2 - Status: Granted - Kind: B2 - Application number: 18/322,143 - Filed: 2023-05-23 - Published: 2023-09-21 - Granted: 2025-01-07 - Earliest claimed: 2021-08-31 - Assignees: Capital One Services, LLC - Applicants: Capital One Services, LLC - Inventors: Kevin M. Lowe - Web page: https://patentgrep.com/patent/US12192848B2 ## CPC - H04W 4/021: Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences - H04W 4/023: {using mutual or relative location information between multiple location based services [LBS] targets or of distance thresholds} - H04W 4/022: {with dynamic range variability} - H04W 4/20: Services signaling; Auxiliary data signalling, i.e. transmitting data via a non-traffic channel - H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72) ## Abstract In some implementations, a system may receive exchange data that includes a credential for an exchange and an indication of an entity associated with the exchange. The system may determine that an entity location is within a threshold distance of a target location included in a set of target locations. The system may determine a baseline location associated with a user. The system may determine that the baseline location is outside of a threshold proximity of all target locations included in the set of target locations. The system may transmit, to a mobile device associated with the user, a message that includes an indication of the target location based on determining that the entity location is within the threshold distance of the target location and based on determining that the baseline location is outside of the threshold proximity of all target locations included in the set of target locations. ## Claims ### Claim 1 A method for location-based messaging, comprising: receiving, by a system, exchange data associated with a user and an indication of an exchange location; determining, by the system, that the exchange location satisfies a first threshold based on the exchange location being within a threshold distance from at least one baseline location associated with the user; determining, by the system and based at least in part on the exchange location satisfying the first threshold, a set of target locations satisfying a second threshold indicating the set of target locations is within a threshold proximity from the exchange location; determining, by the system, each target location of a subset of target locations of the set of target locations satisfies the first threshold based on each target location of the subset of target locations being within the threshold distance from the at least one baseline location; and transmitting, by the system, to a user device associated with the user, a message including an indication of the subset of target locations based on determining that each of the target locations satisfies the first threshold and the second threshold. ### Claim 2 (depends on 1) The method of claim 1, wherein the second threshold is based at least in part on a scaling factor corresponding to a location type associated with the set of target locations. ### Claim 3 (depends on 1) The method of claim 1, wherein the exchange location is a location of a merchant or a location of an automated teller machine. ### Claim 4 (depends on 1) The method of claim 1, wherein determining the set of target locations comprises: searching a data structure that includes information identifying the set of target locations; and identifying the subset of target locations of the set of target locations located nearest the exchange location, as compared to at least one other target location included in the set of target locations, based on searching the data structure. ### Claim 5 (depends on 1) The method of claim 1, wherein determining each target location of the subset of target locations satisfies the first threshold comprises: identifying a target location of the subset of target locations that is located nearest to the at least one baseline location, as compared to all other target locations included in the subset of target locations, based on searching a data structure; determining a distance between the at least one baseline location and the target location based on identifying the target location; and determining the at least one baseline location is outside of the threshold proximity of all target locations included in the subset of target locations based on the distance between the at least one baseline location and the target location. ### Claim 6 (depends on 1) The method of claim 1, further comprising identifying the set of target locations based on a user profile associated with the user or historical exchange data associated with the user. ### Claim 7 (depends on 1) The method of claim 1, wherein the at least one baseline location is associated with a home location of the user, a work location of the user, or a geographic location derived from historical exchange data of the user. ### Claim 8 A non-transitory computer-readable medium storing a set of instructions for location-based messaging, the set of instructions comprising: one or more instructions that, when executed by one or more processors of a system, cause the system to: receive exchange data associated with a user device and an indication of an exchange location; determine whether the exchange location satisfies a first threshold based on the exchange location being within a threshold distance from at least one baseline location associated with the user device; determine, based at least in part on the exchange location satisfying the first threshold, a set of target locations satisfying a second threshold indicating the set of target locations is within a threshold proximity from the exchange location; determine whether each target location of a subset of target locations of the set of target locations satisfies the first threshold based on each target location of the subset of target locations being within the threshold distance from the at least one baseline location; and transmit, to the user device, a message including an indication of the subset of target locations based on determining that each of the target locations satisfies the first threshold and the second threshold. ### Claim 9 (depends on 8) The non-transitory computer-readable medium of claim 8, wherein the user device is associated with a user, and wherein the one or more instructions, when executed by the one or more processors, further cause the system to: identify the at least one baseline location based at least in part on a user profile associated with the user. ### Claim 10 (depends on 8) The non-transitory computer-readable medium of claim 8, wherein the exchange location is a location of a merchant or a location of an automated teller machine. ### Claim 11 (depends on 8) The non-transitory computer-readable medium of claim 8, wherein to determine the set of target locations, the one or more instructions, when executed by the one or more processors, cause the system to: search a data structure that includes information identifying the set of target locations; and identify the subset of target locations of the set of target locations located nearest the exchange location, as compared to at least one other target location included in the set of target locations, based on searching the data structure. ### Claim 12 (depends on 8) The non-transitory computer-readable medium of claim 8, wherein to determine each target location of the subset of target locations satisfies the first threshold, the one or more instructions, when executed by the one or more processors, cause the system to: identify a target location of the subset of target locations that is located nearest to the at least one baseline location, as compared to all other target locations included in the subset of target locations, based on searching a data structure; and determine the at least one baseline location is outside of the threshold proximity of all target locations included in the subset of target locations based on a distance between the at least one baseline location and the target location. ### Claim 13 (depends on 8) The non-transitory computer-readable medium of claim 8, wherein the user device is associated with a user, and wherein the one or more instructions, when executed by the one or more processors, further cause the system to: identify the set of target locations based on a user profile associated with the user or historical exchange data associated with the user. ### Claim 14 (depends on 8) The non-transitory computer-readable medium of claim 8, wherein the user device is associated with a user, and wherein the at least one baseline location is associated with a home location of the user, a work location of the user, or a geographic location derived from historical exchange data of the user. ### Claim 15 A device, comprising: one or more memories; and one or more processors, coupled to the one or more memories, configured to: receive exchange data associated with a user device and an indication of an exchange location; determine whether the exchange location satisfies a first threshold based on the exchange location being within a threshold distance from at least one baseline location associated with the user device; determine, based at least in part on the exchange location satisfying the first threshold, a set of target locations satisfying a second threshold indicating the set of target locations is within a threshold proximity from the exchange location; determine each target location of a subset of target locations of the set of target locations satisfies the first threshold based on each target location of the subset of target locations being within the threshold distance from the at least one baseline location; and transmit, to the user device, a message including an indication of the subset of target locations based on determining that each of the target locations satisfies the first threshold and the second threshold. ### Claim 16 (depends on 15) The device of claim 15, wherein the user device is associated with a user, and wherein the one or more processors are further configured to: identify the at least one baseline location based at least in part on a user profile associated with the user. ### Claim 17 (depends on 15) The device of claim 15, wherein the exchange location is a location of a merchant or a location of an automated teller machine. ### Claim 18 (depends on 15) The device of claim 15, wherein to determine the set of target locations, the one or more processors are configured to: search a data structure that includes information identifying the set of target locations. ### Claim 19 (depends on 15) The device of claim 15, wherein to determine that each target location of the subset of target locations satisfies the first threshold, the one or more processors are configured to: identify a target location of the subset of target locations that is located nearest to the at least one baseline location, as compared to all other target locations included in the subset of target locations. ### Claim 20 (depends on 15) The device of claim 15, wherein the one or more processors are further configured to: identify the set of target locations based on a user profile associated with the user device or historical exchange data associated with the user device.