# US 2023/0274307 A1 · Systems and methods for enabling third party engagements and services in host properties > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2023/0274307 A1 - Document ID: US20230274307A1 - Status: Published application - Kind: A1 - Application number: 18/142,555 - Filed: 2023-05-02 - Published: 2023-08-31 - Earliest claimed: 2018-01-05 - Assignees: Wells Fargo Bank, N.A. - Applicants: Wells Fargo Bank, N.A. - Inventors: Lila Fakhraie; Jennifer Greene; Christopher J. Hirth; Ashish B. Kurani; Andrea Renee Leighton; Margot Lockwood-Stein; Ronald H. Yang; Young M. Yang - Web page: https://patentgrep.com/patent/US20230274307A1 ## CPC - G06Q 30/0236: {Incentive or reward received by requiring registration or ID from user} - 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 A method for providing a third party engagement in a host property application is provided. The method includes: receiving an indication of an authentication of a user from the host property application such that additional authentication information for a third party that provides a third party engagement specific to the user is not required; determining that the user device is at or near a location of the third party; receiving an indication of an active user session associated with the host property application while the user device is at or near the location of the third party; generating a third party engagement specific to the user and associated with the third party; and providing, via a graphical user interface presented by a display device, the third party engagement specific to the user during the same active user session. ## Claims ### Claim 1 A computer implemented method of providing a third party engagement in a host property application, the method comprising: receiving an indication of an authentication of a user from the host property application such that additional authentication information for a third party that provides a third party engagement specific to the user is not required; via a location positioning system of a user device associated with the user of the host property application, determining that the user device is at or near a location of the third party; receiving an indication of an active user session associated with the host property application while the user device is at or near the location of the third party; generating a third party engagement specific to the user and associated with the third party based on the user device being at or near the location of the third party during the same active user session; and providing, via a graphical user interface presented by a display device, the third party engagement specific to the user during the same active user session. ### Claim 2 (depends on 1) The method of claim 1, further comprising: receiving partnership information regarding one or more products offered by one or more participating third parties. ### Claim 3 (depends on 2) The method of claim 2, further comprising: matching the user to a loyalty program offered by the third party of the one or more participating third parties by identifying the third party and the loyalty program from the partnership information based on transaction data associated with the user of the host property application. ### Claim 4 (depends on 3) The method of claim 3, wherein the third party engagement specific to the user is determined based on the determination that the user device is at or near the location of the third party, the association of the user with the third party, and the matching of the user to the loyalty program offered by the third party. ### Claim 5 (depends on 1) The method of claim 1, wherein the third party engagement is at least one of a loyalty card or a digital stored value card. ### Claim 6 (depends on 1) The method of claim 1, wherein the third party engagement is provided in real-time or near real-time. ### Claim 7 (depends on 1) The method of claim 1, further comprising: determining a trigger is activated during the active user session, the trigger comprising an indication that the user device is engaged with the third party. ### Claim 8 A system for providing a third party engagement in a host property application, the system comprising: a provider computing system communicatively coupled to a user device, the provider computing system structured to: receive an indication of an authentication of a user from the host property application such that additional authentication information for a third party that provides the third party engagement specific to the user is not required; via a location positioning system of the user device associated with the user of the host property application, determine that the user device is at or near a location of the third party; receive an indication of an active user session associated with the host property application while the user device is at or near the location of the third party; generate a third party engagement specific to the user and associated with the third party based on the user device being at or near the location of the third party during the same active user session; and provide, via a graphical user interface, the third party engagement specific to the user during the same active user session. ### Claim 9 (depends on 8) The system of claim 8, wherein the provider computing system is further structured to receive partnership information regarding one or more products offered by one or more participating third parties. ### Claim 10 (depends on 9) The system of claim 9, wherein the provider computing system is further structured to match the user to a loyalty program offered by the third party of the one or more participating third parties by identifying the third party and the loyalty program from the partnership information based on transaction data associated with the user of the host property application. ### Claim 11 (depends on 10) The system of claim 10, wherein the third party engagement specific to the user is determined based on the determination that the user device is at or near the location of the third party, the association of the user with the third party, and the matching of the user to the loyalty program offered by the third party. ### Claim 12 (depends on 8) The system of claim 8, wherein the third party engagement is at least one of a loyalty card or a digital stored value card. ### Claim 13 (depends on 8) The system of claim 8, wherein the third party engagement is provided in real-time or near real-time. ### Claim 14 (depends on 8) The system of claim 8, wherein the provider computing system is further structured to determine a trigger is activated during the active user session, the trigger comprising an indication that the user device is engaged with the third party via a transaction at a point of sale device associated with the third party. ### Claim 15 A user device, comprising: a display device; a processing circuit having at least one processor coupled to at least one memory storing instructions that, when executed by the at least one processor, cause the processing circuit to: authenticate a user via a host property application such that additional authentication information for a third party that provides a third party engagement specific to the user is not required; via a location positioning system, determine that the user device is at or near a location of the third party; provide an indication of an active user session associated with the host property application while the user device is at or near the location of the third party; receive a third party engagement specific to the user and associated with the third party based on a the user device being at or near the location of the third party during the same active user session; and provide, via a graphical user interface presented by the display device, the third party engagement specific to the user during the same active user session. ### Claim 16 (depends on 15) The user device of claim 15, wherein the instructions further cause the processing circuit to receive partnership information regarding one or more products offered by one or more participating third parties. ### Claim 17 (depends on 16) The user device of claim 16, wherein the instructions further cause the processing circuit to match the user to a loyalty program offered by the third party of the one or more participating third parties by identifying the third party and the loyalty program from the partnership information based on transaction data associated with the user of the host property application. ### Claim 18 (depends on 17) The user device of claim 17, wherein the third party engagement specific to the user is determined based on the determination that the user device is at or near the location of the third party, the association of the user with the third party, and the matching of the user to the loyalty program offered by the third party. ### Claim 19 (depends on 15) The user device of claim 15, wherein the third party engagement is at least one of a loyalty card or a digital stored value card. ### Claim 20 (depends on 15) The user device of claim 15, wherein the third party engagement is provided in real-time or near real-time.