# US 2014/0207571 A1 · Systems and computer-implemented processes for delivering personalized deals to customers > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0207571 A1 - Document ID: US20140207571A1 - Status: Published application - Kind: A1 - Application number: 14/145,582 - Filed: 2013-12-31 - Published: 2014-07-24 - Earliest claimed: 2013-01-22 - Assignees: Capital One Financial Corporation - Inventors: Luke Hammock; Janusz Niczyporuk; Bor J. Sun; Joseph O'Brien - Web page: https://patentgrep.com/patent/US20140207571A1 ## CPC - G06Q 30/0255: {based on user history} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract Systems and processes are disclosed for generating an delivering personalized deals to users. In certain embodiments, disclosed embodiments may configure a financial service account associated with a user. Based on monitored transactions from the financial service account, systems consistent with disclosed embodiments may generate deals that are personalized to the user of the financial service account. Such deals may be delivered to the user or a third-party upon request. ## Claims ### Claim 1 A method for delivering personalized deals, the method comprising: configuring a financial service account associated with a user including at least one criteria for providing the user with deals associated with one or more merchants; monitoring, by one or more processors, a plurality of financial transactions associated with the user; identifying, by the one or more processors, one or more deals associated with at least one merchant based on the monitored transactions and at least one criteria; generating, by the one or more processors, a personalized deal package based on the identified one or more deals. ### Claim 2 (depends on 1) The method of claim 1, wherein configuring the financial service account is based on a profile of the user that includes at least one of: user selections of purchase categories for which the user wishes to receive deals, a credit history of the user, an employment history of the user, penalty fee conditions associated with the financial service account, or financial service account usage conditions. ### Claim 3 (depends on 1) The method of claim 1, wherein monitoring the plurality of financial transactions comprises monitoring transactions performed using the configured financial account and at least one other financial service account associated with the user. ### Claim 4 (depends on 3) The method of claim 3, wherein the at least one other financial service account associated is provided to the user by a financial service provider not associated with the configured financial service account. ### Claim 5 (depends on 1) The method of claim 1, further comprising: determining a geographic location of the user; and generating the personalized deal package based on the identified one or more deals relevant to the user's determined location. ### Claim 6 (depends on 1) The method of claim 1, further comprising: associating a customer identifier with the configured financial service account; receiving a request for a personalized deal package identifying the customer identifier; identifying the configured financial service account based on the request identifying the customer identifier; and providing the requested personalized deal package to the requestor. ### Claim 7 (depends on 6) The method of claim 6, further comprising: generating the customer identifier when the user accesses the configured financial service account online via a user device; storing the customer identifier in at least one file associated with the user device; and receiving the request for a personalized deal package based on the requestor's access of at least the one file. ### Claim 8 A system for delivering personalized deals, comprising: memory storing instructions; and at least one processor configured to execute the instructions to perform operations comprising: configuring a financial service account associated with a user including at least one criteria for providing the user with deals associated with one or more merchants; monitoring a plurality of financial transactions associated with the user; identifying one or more deals associated with at least one merchant based on the monitored transactions and at least one criteria; generating a personalized deal package based on the identified one or more deals. ### Claim 9 (depends on 8) The system of claim 8, wherein configuring the financial service account is based on a profile of the user that includes at least one of: user selections of purchase categories for which the user wishes to receive deals, a credit history of the user, an employment history of the user, penalty fee conditions associated with the financial service account, or financial service account usage conditions. ### Claim 10 (depends on 8) The system of claim 8, wherein monitoring the plurality of financial transactions comprises monitoring transactions performed using the configured financial account and at least one other financial service account associated with the user. ### Claim 11 (depends on 10) The system of claim 10, wherein the at least one other financial service account associated is provided to the user by a financial service provider not associated with the configured financial service account. ### Claim 12 (depends on 8) The system of claim 8, wherein the at least one processor is configured to execute the instructions to perform operations further comprising: determining a geographic location of the user; and generating the personalized deal package based on the identified one or more deals relevant to the user's determined location. ### Claim 13 (depends on 8) The system of claim 8, wherein the at least one processor is configured to execute the instructions to perform operations further comprising: associating a customer identifier with the configured financial service account; receiving a request for a personalized deal package identifying the customer identifier; identifying the configured financial service account based on the request identifying the customer identifier; and providing the requested personalized deal package to the requestor. ### Claim 14 (depends on 13) The system of claim 13, wherein the at least one processor is configured to execute the instructions to perform operations further comprising: generating the customer identifier when the user accesses the configured financial service account online via a user device; storing the customer identifier in at least one file associated with the user device; and receiving the request for a personalized deal package based on the requestor's access of at least the one file. ### Claim 15 A non-transitory computer readable medium storing instructions that, when executed by at least one processor, cause the at least one processor to perform operations comprising: configuring a financial service account associated with a user including at least one criteria for providing the user with deals associated with one or more merchants; monitoring a plurality of financial transactions associated with the user; identifying one or more deals associated with at least one merchant based on the monitored transactions and at least one criteria; generating a personalized deal package based on the identified one or more deals. ### Claim 16 (depends on 15) The medium of claim 15, wherein configuring the financial service account is based on a profile of the user that includes at least one of: user selections of purchase categories for which the user wishes to receive deals, a credit history of the user, an employment history of the user, penalty fee conditions associated with the financial service account, or financial service account usage conditions. ### Claim 17 (depends on 15) The medium of claim 15, wherein monitoring the plurality of financial transactions comprises monitoring transactions performed using the configured financial account and at least one other financial service account associated with the user. ### Claim 18 (depends on 17) The medium of claim 17, wherein the at least one other financial service account associated is provided to the user by a financial service provider not associated with the configured financial service account. ### Claim 19 (depends on 15) The medium of claim 15, wherein the memory stores instructions that cause the at least one processor to perform operations further comprising: associating a customer identifier with the configured financial account; receiving a request for a personalized deal package identifying the customer identifier; identifying the configured financial service account based on the request identifying the customer identifier; and providing the requested personalized deal package to the requestor. ### Claim 20 (depends on 19) The medium of claim 19, wherein the memory stores instructions that cause the at least one processor to perform operations further comprising: associating a customer identifier with the configured financial service account; receiving a request for a personalized deal package identifying the customer identifier; identifying the configured financial service account based on the request identifying the customer identifier; and providing the requested personalized deal package to the requestor. ### Claim 21 (depends on 20) The medium of claim 20, wherein the memory stores instructions that cause the at least one processor to perform operations further comprising: generating the customer identifier when the user accesses the configured financial service account online via a user device; storing the customer identifier in at least one file associated with the user device; and receiving the request for a personalized deal package based on the requestor's access of at least the one file.