# US 2014/0207680 A1 · System and method for providing a mobile wallet shopping companion application

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- Number: US 2014/0207680 A1
- Document ID: US20140207680A1
- Status: Published application
- Kind: A1
- Application number: 14/208,550
- Filed: 2014-03-13
- Published: 2014-07-24
- Earliest claimed: 2011-10-17
- Assignees: Capital One Financial Corporation
- Applicants: Capital One Financial Corporation
- Inventors: Jeremy REPHLO
- Web page: https://patentgrep.com/patent/US20140207680A1

## CPC

- G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]}
- G06Q 20/306: {using TV related infrastructures (external card used for payment with client device H04N21/4185)}
- G06Q 20/321: {using wearable devices}
- G06Q 20/3226: {Use of secure elements separate from M-devices}
- G06Q 20/326: {Payment applications installed on the mobile devices}
- G06Q 20/3278: {RFID or NFC payments by means of M-devices}
- G06Q 20/367: {involving electronic purses or money safes}
- G06Q 20/384: {using social networks}
- G06Q 20/4015: {using location information}
- H04B 5/20: characterised by the transmission technique; characterised by the transmission medium
- H04B 5/70: specially adapted for specific purposes
- H04B 5/77: for interrogation
- 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
- H04B: TRANSMISSION

## Abstract

A system and method in accordance with example embodiments may include systems and methods for providing a mobile wallet shopping companion application. In an example embodiment, a method for providing a mobile wallet shopping companion application includes, receiving, via a network, confirmation of a transaction using a financial account; receiving, via a network, data relating to both the financial account and a customer associated with the financial account; and transmitting, via a network, processing the data relating to the financial account and the customer associated with the financial account in order to create a tailored offer and/or targeted data for the customer.

## Claims

### Claim 1

A mobile wallet shopping companion system comprising:
a transaction manager that generates payment data and provides the payment data to a customer for user with a transaction;
an authorization module that receives, via a network, the transaction data and the payment data;
a database that stores, and is capable of providing, transaction specific data in response to an authorized transaction, wherein the transaction specific data is customer specific;
a processor that processes the authorization and transaction specific data; and
an output that transmits, via a network, the authorization and transaction specific data.

### Claim 2 (depends on 1)

The system of claim 1, wherein the transaction specific data is transmitted to a mobile device of the customer.

### Claim 3 (depends on 2)

The system of claim 2, wherein the transaction specific data is provided to a native application on the mobile device.

### Claim 4 (depends on 1)

The system of claim 1, wherein the authorization and transaction specific data are transmitted via the same network.

### Claim 5 (depends on 1)

The system of claim 1, wherein the authorization and transaction specific data are transmitted via the different networks.

### Claim 6 (depends on 5)

The system of claim 5, wherein the authorization data is transmitted via an authorization network and the transaction specific data is transmitted via a wireless network.

### Claim 7 (depends on 1)

The system of claim 1, wherein the transaction specific data includes an offer.

### Claim 8 (depends on 7)

The system of claim 7, wherein the payment data relates to a first merchant and the transaction specific data relates to a second merchant.

### Claim 9 (depends on 7)

The system of claim 7, wherein the payment and the transaction specific data relate to the same merchant.

### Claim 10 (depends on 1)

The system of claim 1, wherein the processor uses location data to process the transaction specific data.

### Claim 11

A method, comprising:
generating, using a transaction manager, payment data;
providing the payment data to customer for user with a transaction;
receiving, at an authorization module via a network, the transaction data and the payment data;
storing in a database transaction specific data in response to an authorized transaction, wherein the transaction specific data is customer specific;
processing, using a processor, the authorization and transaction specific data; and
transmitting, via a network, the authorization and transaction specific data.

### Claim 12 (depends on 11)

The method of claim 11, further comprising transmitting the transaction specific data to a mobile device of the customer.

### Claim 13 (depends on 12)

The method of claim 12, further comprising providing the transaction specific data to a native application on the mobile device.

### Claim 14 (depends on 11)

The method of claim 11, further comprising transmitting the authorization and transaction specific data via the same network.

### Claim 15 (depends on 11)

The method of claim 11, further comprising transmitting the authorization and transaction specific data via the different networks.

### Claim 16 (depends on 15)

The method of claim 15, wherein the authorization data is transmitted via an authorization network and the transaction specific data is transmitted via a wireless network.

### Claim 17 (depends on 11)

The method of claim 11, wherein the transaction specific data includes an offer.

### Claim 18 (depends on 17)

The method of claim 17, wherein the payment data relates to a first merchant and the transaction specific data relates to a second merchant.

### Claim 19 (depends on 17)

The method of claim 17, wherein the payment and the transaction specific data relate to the same merchant.

### Claim 20 (depends on 11)

The method of claim 11, further comprising using location data to process the transaction specific data.