Back to results
US 12,387,260 B2Granted
Computer-based systems and platforms and computer-implemented methods configured for tracking data objects behaviours and utilizing graphical user interface elements to execute numerous electronic activities with a single instruction
AssigneeCapital One Services, LLC
InventorAnkit Kothari
Life of this patent
Estimating the term…
Abstract
Systems and methods involving computer-based processing for helping customers meet their minimum spend requirement for their introductory credit card offer are disclosed. In one embodiment, an exemplary computer-implemented method may comprise: receiving a total spending amount of a promotional credit card associated with an introductory credit card offer; determining a critical amount to satisfy the minimum spending amount of the promotional credit card; and causing to present a reminder on a screen of a user-associated computing device.
Claims20
A method comprising:
- determining, by at least one processor, a particular spending amount associated with a minimum spend requirement imposed on a user's credit card account;
- wherein the particular spending amount is based at least in part on a total available credit amount associated with the user's credit card account and a historical average spending amount of the user during a pre-determined time period;
- receiving, by the at least one processor, a predefined user-related data set;
- wherein the predefined user-related data set comprises user account data of the user and user-related purchase transaction information, comprising historical purchase transactions of the user;
- identifying, by the at least one processor, at least one other user based on the user account data of the user, wherein the other user is unrelated to the user;
- wherein a particular demographic profile of the at least one other user matches an original demographic profile of the user;
- receiving, by the at least one processor, user-unrelated purchase transaction information, comprising purchase transactions of the at least one other user;
- generating, by the at least one processor, at least one list of two or more user-personalized transactions based on the particular spending amount and at least one of the predefined user-related data set, the user-related purchase transaction information, the user-unrelated purchase transactions information, or a combination thereof;
- wherein the total amount of the two or more user-personalized transactions of the at least one list is configured to enable the user to meet the minimum spending requirement and is equal to or greater than at least a portion of the particular spending amount;
- wherein the two or more user-personalized transactions are offered by a plurality of unrelated vendors;
- causing to display, by the at least one processor, on at least one of a point-of-sale device or a computing device associated with the user, a user-personalized transactions graphical user interface (GUI), wherein the user interface is configured to display potential user-personalized transactions, the total amount of such potential transactions being configured to enable the user to meet the minimum spending requirement, the interface comprising:
- i) a quantity indicator representing the particular spending amount,
- ii) at least one total amount indicator representing the total amount of the two or more potential user-personalized transactions of the at least one list, and
- iii) a visual representation of the at least one list of the two or more user-personalized transactions, the visual representation comprising at least one list selection user interface element,
- wherein at least one list selection user interface element is associated with the at least one total amount indicator of the at least one list, and
- wherein the at least one list selection user interface element comprises a one-click action which enables user-selection of the two or more user-personalized transaction on the at least one list, wherein user-selection causes execution of each user-personalized transaction in the at least one list of the two or more user-personalized transactions;
- receiving, by the at least one processor, the user selection of the at least one user-personalized list element via the one-click action;
- communicating, by the at least one processor in response to the one-click action, with electronic fulfillment computing systems of each unrelated vendor of the plurality of unrelated vendors to instruct each respective electronic fulfillment system to fulfill a respective transaction of the at least one list;
- and
- causing, by the at least one processor, to present a confirmation from each respective electronic fulfillment computing system of each respective unrelated vendor of the plurality of unrelated vendors of the at least one list.
17 more elements
A system comprising:
- at least one processor in communication with a non-transitory computer readable medium having software instructions stored thereon, wherein the at least one processor is configured, upon execution of the software instructions, to:
- determine a particular spending amount associated with a minimum spend requirement imposed on a user's credit card account;
- wherein the particular spending amount is based at least in part on a total available credit amount associated with the user's credit card account and a historical average spending amount of the user during a pre-determined time period;
- receive a predefined user-related data set;
- wherein the predefined user-related data set comprises user account data of the user and user-related purchase transaction information, comprising historical purchase transactions of the user;
- identify at least one other user based on the user account data of the user, wherein the other user is unrelated to the user;
- wherein a particular demographic profile of the at least one other user matches an original demographic profile of the user;
- receive user-unrelated purchase transaction information, comprising purchase transactions of the at least one other user;
- generate at least one list of two or more user-personalized transactions based on the particular spending amount and at least one of the predefined user-related data set, the user-related purchase transaction information, the user-unrelated purchase transactions information, or a combination thereof;
- wherein the total amount of the two or more user-personalized transactions of the at least one list is configured to enable the user to meet the minimum spending requirement and is equal to or greater than at least a portion of the particular spending amount;
- wherein the two or more user-personalized transactions are offered by a plurality of unrelated vendors;
- cause to display, on at least one of a point-of-sale device or a computing device associated with the user, a user-personalized transactions graphical user interface (GUI), wherein the user interface is configured to display potential user-personalized transactions, the total amount of such potential transactions being configured to enable the user to meet the minimum spending requirement, the interface comprising:
- i) a quantity indicator representing the particular spending amount,
- ii) at least one total amount indicator representing the total amount of the two or more potential user-personalized transactions of the at least one list, and
- iii) a visual representation of the at least one list of the two or more user-personalized transactions, the visual representation comprising at least one list selection user interface element,
- wherein at least one list selection user interface element is associated with the at least one total amount indicator of the at least one list, and
- wherein the at least one list selection user interface element comprises a one-click action which enables user-selection of the two or more user-personalized transaction on the at least one list, wherein user-selection causes execution of each user-personalized transaction in the at least one list of the two or more user-personalized transactions;
- receive the user selection of the at least one user-personalized list element via the one-click action;
- communicate, in response to the one-click action, with electronic fulfillment computing systems of each unrelated vendor of the plurality of unrelated vendors to instruct each respective electronic fulfillment system to fulfill a respective transaction of the at least one list;
- and
- cause to present a confirmation from each respective electronic fulfillment computing system of each respective unrelated vendor of the plurality of unrelated vendors of the at least one list.
18 more elements
Dependencies are inferred from the claim text.