# US 2014/0278970 A1 · Using a federated network of retailers to provide messages to network customers of all locations of a particular network merchant

> Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt

- Number: US 2014/0278970 A1
- Document ID: US20140278970A1
- Status: Published application
- Kind: A1
- Application number: 13/830,010
- Filed: 2013-03-14
- Published: 2014-09-18
- Earliest claimed: 2013-03-14
- Assignees: Bank of America Corporation
- Applicants: Bank of America Corporation
- Inventors: Matthew A. Calman; Laura Corinne Bondesen; David M. Grigg
- Web page: https://patentgrep.com/patent/US20140278970A1

## CPC

- G06Q 30/0259: {based on store location}
- 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

Embodiments of the invention are directed to systems, methods and computer program products for communicating messages to one or more customers associated with a federated network of retailers. Embodiments determine that one or more customers associated with the federated network of retailers are in proximity to a retailer physical location associated with a retailer that is a member of the network; and present an offer to one or more of the federated network customers in proximity to the retailer. In some embodiments, determining comprises recognizing a mobile device is associated with a customer of at least one retailer that is a member of the federated network of retailers. Some embodiments determine that a customer in proximity to the location is not a customer of the retailer associated with the location and is a customer associated with the network of retailers; and present the offer is based on the determination.

## Claims

### Claim 1

A system for communicating messages to one or more customers associated with a federated network of retailers, the system comprising:
a memory device storing computer executable code;
a processing device to execute the computer executable code to cause the processing device to:
determine that one or more customers associated with the federated network of retailers are in proximity to a retailer physical location associated with a retailer that is a member of the federated network of retailers; and
present an offer to one or more of the federated network customers in proximity to the retailer.

### Claim 2 (depends on 1)

The system of claim 1, wherein determining comprises recognizing a mobile device is associated with a customer of at least one retailer that is a member of the federated network of retailers.

### Claim 3 (depends on 1)

The system of claim 1, wherein the computer executable code is further to cause the processing device to:
determine that a customer in proximity to the retailer physical location is not a customer of the retailer associated with the physical location and is a customer associated with the federated network of retailers; and
present the offer is based on determination.

### Claim 4 (depends on 1)

The system of claim 1, wherein the offer is associated with the physical location or the retailer associated with the physical location.

### Claim 5 (depends on 1)

The system of claim 1, wherein the computer executable code is further to cause the processing device to:
collect transaction data and mobile device data, each associated with customers of a plurality of retailers that are members of the federated network of retailers; and
correlate and storing the transaction data and the mobile device data.

### Claim 6 (depends on 5)

The system of claim 5, wherein the computer executable code is further to cause the processing device to:
access the stored transaction data; and
using the accessed transaction data, determine to which of the network customers to present offers.

### Claim 7 (depends on 5)

The system of claim 5, wherein the computer executable code is further to cause the processing device to:
access the stored mobile device data; and
using the accessed mobile device data, determine which of the network customers are proximate the retailer physical location.

### Claim 8

A computer program product configured for communicating messages to one or more customers associated with a federated network of retailers, the computer program product comprising a non-transitory computer readable medium having computer executable code stored thereon to cause a processing device to:
determine that one or more customers associated with the federated network of retailers are in proximity to a retailer physical location associated with a retailer that is a member of the federated network of retailers; and
present an offer to one or more of the federated network customers in proximity to the retailer.

### Claim 9 (depends on 8)

The computer program product of claim 8, wherein determining comprises recognizing a mobile device is associated with a customer of at least one retailer that is a member of the federated network of retailers.

### Claim 10 (depends on 8)

The computer program product of claim 8, wherein the computer executable code is further to cause the processing device to:
determine that a customer in proximity to the retailer physical location is not a customer of the retailer associated with the physical location and is a customer associated with the federated network of retailers; and
present the offer is based on determination.

### Claim 11 (depends on 8)

The computer program product of claim 8, wherein the offer is associated with the physical location or the retailer associated with the physical location.

### Claim 12 (depends on 8)

The computer program product of claim 8, wherein the computer executable code is further to cause the processing device to:
collect transaction data and mobile device data, each associated with customers of a plurality of retailers that are members of the federated network of retailers; and
correlate and storing the transaction data and the mobile device data.

### Claim 13 (depends on 12)

The computer program product of claim 12, wherein the computer executable code is further to cause the processing device to:
access the stored transaction data; and
using the accessed transaction data, determine to which of the network customers to present offers.

### Claim 14 (depends on 12)

The computer program product of claim 12, wherein the computer executable code is further to cause the processing device to:
access the stored mobile device data; and
using the accessed mobile device data, determine which of the network customers are proximate the retailer physical location.

### Claim 15

A computer-implemented method for communicating messages to one or more customers associated with a federated network of retailers, the method comprising:
providing a memory device storing computer executable code and a processing device to execute the computer executable code to cause the processing device to:
determine that one or more customers associated with the federated network of retailers are in proximity to a retailer physical location associated with a retailer that is a member of the federated network of retailers; and
present an offer to one or more of the federated network customers in proximity to the retailer.

### Claim 16 (depends on 15)

The method of claim 15, wherein determining comprises recognizing a mobile device is associated with a customer of at least one retailer that is a member of the federated network of retailers.

### Claim 17 (depends on 15)

The method of claim 15, wherein the computer executable code is further to cause the processing device to:
determine that a customer in proximity to the retailer physical location is not a customer of the retailer associated with the physical location and is a customer associated with the federated network of retailers; and
present the offer is based on determination.

### Claim 18 (depends on 15)

The method of claim 15, wherein the offer is associated with the physical location or the retailer associated with the physical location.

### Claim 19 (depends on 15)

The method of claim 15, wherein the computer executable code is further to cause the processing device to:
collect transaction data and mobile device data, each associated with customers of a plurality of retailers that are members of the federated network of retailers; and
correlate and storing the transaction data and the mobile device data.

### Claim 20 (depends on 19)

The method of claim 19, wherein the computer executable code is further to cause the processing device to:
access the stored transaction data; and
using the accessed transaction data, determine to which of the network customers to present offers.

### Claim 21 (depends on 19)

The method of claim 19, wherein the computer executable code is further to cause the processing device to:
access the stored mobile device data; and
using the accessed mobile device data, determine which of the network customers are proximate the retailer physical location.