Systems and methods for providing offers using a mobile device
AssigneeCapital One Financial Corporation
InventorDaniel LOOMIS
Life of this patent
Estimating the term…
Abstract
A wireless device is enabled to provide offers. The wireless device receives card data for a financial account card and stores the card data in a memory associated with the wireless device. Responsive to using the card data in a transaction at a first merchant location, the wireless device receives transaction line-item data from a computing system associated with the first merchant location. The wireless device determines merchant information for a second merchant location and determines an offer associated with the second merchant location based on the line-item data and the merchant information for the second merchant. The wireless device presents the offer when the wireless device is near the second merchant location.
Claims21
-20. (canceled)
A remote offer system, comprising:
- a communications interface configured to receive over a communication network:
- information indicative of prior transaction history associated with a user of a wireless device;
- and
- information indicating a current location of the wireless device;
- an offer database storing a plurality of offers associated with an identifier of goods or services redeemable at a merchant location;
- and
- a processor configured to execute programmable instructions to:
- determine, responsive to receiving the information indicating the current location of the wireless device, a subset of the offers that is redeemable at a merchant location that is within a predetermined distance of the current location of the wireless device;
- and
- identify, by searching the subset of the offers in the offer database, an applicable offer redeemable at the merchant location within the predetermined distance of the current location of the wireless device, wherein the applicable offer is based on the information indicative of prior transaction history associated with the user of the wireless device;
- wherein the communications interface is further configured to transmit, over the communication network, the applicable offer to the wireless device within the predetermined distance.
A non-transitory computer-readable medium storing instructions that, when executed by one or more processors of a wireless device, cause the one or more processors to perform operations comprising:
- transmit, over a communication network to a remote computing system:
- information indicative of prior transaction history associated with a user of the wireless device;
- and
- information indicating a current location of the wireless device;
- receive, from the remote computing system and responsive to when a current location of the wireless device is within a predetermined distance of at least one merchant location, an applicable offer redeemable at a merchant location that is within the predetermined distance of the current location of the wireless device, the applicable offer being determined based on the information indicative of prior transaction history;
- and
- display an indication of the applicable offer, while the wireless device is within the predetermined distance of the merchant location associated with the applicable offer.
A method comprising:
- receiving, from a wireless device over a communication network, information indicative of prior transaction history associated with a user of the wireless device;
- receiving information from the wireless device indicating a current location of the wireless device;
- determining, responsive to receiving the information indicating the current location of the wireless device, a plurality of offers redeemable at a merchant location that is within a predetermined distance of the current location of the wireless device;
- identifying, by comparing the plurality of offers to the information indicative of prior transaction history, an applicable offer redeemable at the merchant location within the predetermined distance of the current location of the wireless device;
- and
- transmitting the applicable offer to the wireless device within the predetermined distance.
Dependencies are inferred from the claim text.