US 2014/0006128 A1Published application

Systems and methods for presenting offers during a shopping experience

AssigneeBank of America Corporation

InventorsDavid M. Grigg, Alicia C. Jones, Matthew A. Calman, Susan Smith Thomas

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Abstract

Embodiments of the invention are directed to systems, methods, and computer program products for presenting one or more offers to a user during an online shopping experience including the steps of receiving an input that the user has initiated the online shopping experience, receiving one or more product identifiers, comparing the one or more product identifiers to at least one rule, determining the one or more offers for one or more products associated with the one or more product identifiers, presenting to the user, via a user interface, the offer for the product before the consumer enters the point of transaction area of the store, receiving an input from the user accepting the one or more offers; and transmitting acceptance of the one or more offers by the user to at least one of a financial institution of the user or the merchant.

Claims20

Dependent claims

A system for presenting one or more offers to a consumer, during an out-of-store shopping experience online, before an in-store pick up or delivery of at least one of the one or more products selected by the consumer for purchase from a merchant, the system comprising:

a communication interface;
a database comprising at least one rule, where the at least one rule relates to offers for one or more products;
a computer apparatus associated with the consumer, where the computer apparatus comprises a user interface;
a processing device in communication with the communication interface, the database, and the computer apparatus;
a non-transitory computer-readable medium comprising computer-executable instruction code, that when executed causes the processing device to:
receive input that the consumer has initiated the online shopping experience;
receive one or more product identifiers associated with one or more products;
apply the one or more product identifiers to the at least one rule;
determine the one or more offers for the one or more products based at least partially on the application of the one or more product identifiers to the at least one rule;
present to the consumer, via the user interface, the one or more offers for the one or more products before the consumer initiates the purchase of the one or more products at an online point of transaction;
receive an input from the consumer accepting the one or more offers;
and
transmit acceptance of the one or more offers by the consumer to at least one of a financial institution of the consumer or the merchant.

10 more elements

A computer program product for presenting one or more offers to a consumer, during an out-of-store shopping experience online, before an in-store pick up or delivery of at least one of the one or more products selected by the consumer for purchase from a merchant, the computer program product comprising:

a non-transitory computer readable medium comprising a set of codes for causing a computer to:
receive input that the consumer has initiated the online shopping experience;
receive one or more product identifiers;
apply the one or more product identifiers to at least one rule;
determine the one or more offers for one or more products associated with the one or more product identifiers based at least partially on the application of the one or more product identifiers to the at least one rule;
and
present to the consumer, via a user interface of the computerized apparatus, the one or more offers for the one or more products before the consumer initiates the purchase of the one or more products at an online point of transaction;
receive an input from the consumer accepting the one or more offers;
and
transmit acceptance of the one or more offers by the consumer to at least one of a financial institution of the consumer or the merchant.

7 more elements

A computer implemented method for presenting one or more offers to a consumer, during an out-of-store shopping experience online, before an in-store pick up or delivery of at least one of the one or more products selected by the consumer for purchase from a merchant, the computer implemented method comprising:

providing a computer processor executing computer readable code structured to cause the computer processor to:
receive input that the consumer has initiated the online shopping experience;
receive one or more product identifiers;
apply the one or more product identifier to at least one rule;
determine the one or more offer for one or more product associated with the one or more product identifiers based at least partially on the application of the one or more product identifiers to the at least one rule;
and
present to the consumer, via a user interface of the computerized apparatus, the one or more offers for the one or more products before the consumer initiates the purchase of the one or more products at an online point of transaction;
receive an input from the consumer accepting the one or more offers;
and
transmit acceptance of the one or more offers by the consumer to at least one of a financial institution of the consumer or the merchant.

7 more elements

Dependencies are inferred from the claim text.