US 2014/0006114 A1 · SPENDING CAPABILITY SYSTEM

Abstract

A method for providing a spending capability includes receiving location data from a user device. A merchant location is then determined to be associated with the location data in a merchant database and, in response, at least one spending incentive that is associated with the merchant location is retrieved from the merchant database. A location balance at the merchant location is then determined using the at least one spending incentive, and a location balance indicator is provided on the user device that includes the location balance at the merchant location. The method allows a user to be dynamically informed about how much they may spend at a given location based on an amount the user may spend along with spending incentives provided by a merchant at the merchant location.

Claims20

Dependent claims

A spending capability system, comprising:

a system provider device including one or more processors that are coupled to a memory and a network, wherein the one or more processors are operable to:
receive location data from a user device;
determine that a merchant location is associated with the location data in a merchant database and, in response, retrieve at least one spending incentive that is associated with the merchant location from the merchant database;
determine a location balance at the merchant location using the at least one spending incentive;
and
provide a location balance indicator on the user device that includes the location balance at the merchant location.

3 more elements

Dependencies are inferred from the claim text.

Spending capability system

Life of this patent

Spending capability system

Life of this patent

Abstract

Claims20