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AssigneeBank of America Corporation
InventorsMatthew A. Calman, Susan Smith Thomas, Laura Corinne Bondesen, David M. Grigg
Estimating the term…
Embodiments of the present invention relate to systems, methods, and computer program products for presenting an offer to a consumer based on account balance information and consumer location information. In some embodiments, a method is provided that includes: (a) receive geographic location information associated with the mobile computing device of the consumer; (b) receive information associated with the credit account of the consumer, wherein the consumer is a holder of the credit account; (c) determine whether the balance value of the credit account has an existing balance value greater than zero; and (d) present, via the mobile computing device of the consumer, the offer to the consumer based at least in part on determining that the geographic location of the mobile device of the consumer is proximate to or coincident with a location of the merchant and determining that the existing balance value of the credit account associated with the merchant is greater than zero.
A system for presenting an offer based on a location of a consumer having a credit account associated with a merchant, the system comprising:
A computer-implemented method for presenting an offer based on a location of a consumer having a credit account associated with a merchant comprising:
A computer program product for presenting an offer based on a location of a consumer having a credit account associated with a merchant, the computer program product comprising a non-transitory computer-readable storage medium having computer-readable program code stored thereon, such that when the computer-readable code is executed by a computer processor it causes the computer to:
Dependencies are inferred from the claim text.