Patent application number | Description | Published |
20130159088 | PROVIDING OFFERS THAT SPECIFY A VARIABLE DISCOUNT WITH RESPECT TO A PRICE OF A GOOD AND/OR SERVICE - Techniques are described herein for providing discounted offers for goods and/or services. In one example, the discounted offer may specify a variable discount. In an aspect of this example, an amount of the variable discount may decrease for each customer or group thereof who accepts the offer. In accordance with this aspect, customer(s) who accept the offer earlier than other customers may be given a greater discount. In another aspect, the amount of the discount may vary for successive predetermined time intervals. For instance, the amount of the variable discount may be greater for customer(s) who accept the offer during a predetermined time interval that occurs earlier than another predetermined time interval. Accordingly, the amount of the discount may decrease for temporally successive predetermined time intervals. In both aspects, once a specified number of customers accept the discounted offer, the discounted offer may thereafter specify a fixed discount. | 06-20-2013 |
20130268328 | GENERATING A DEAL SCORE TO INDICATE A RELATIVE VALUE OF AN OFFER - Techniques are described herein for generating a deal score to indicate a relative value of an offer for a commerce element. In one example, the deal score for a particular offer is based on a difference between a discounted price specified by the particular offer and an average of discounted price(s) specified by other offer(s). If the difference reaches a threshold, then a relatively high deal score is generated. Otherwise, a relatively low deal score is generated. In another example, the deal score is based on a difference between an intermediate value and the discounted price specified by the present offer. The intermediate value may be provided by combining discounted price(s) specified by other offer(s) and the non-discounted price of the commerce element being offered. If the difference reaches a threshold, then a relatively high deal score is generated. Otherwise, a relatively low deal score is generated. | 10-10-2013 |
20150220951 | METHOD AND SYSTEM FOR INFERRING AN INDIVIDUAL CARDHOLDER'S DEMOGRAPHIC DATA FROM SHOPPING BEHAVIOR AND EXTERNAL SURVEY DATA USING A BAYESIAN NETWORK - Disclosed herein is a method for identifying a member of a group with particular demographic characteristics. The method involves identifying purchasing behaviors of members of a group with particular demographic characteristics via market research, gathering transaction data from a financial account of a user at a financial institution for processing transactions of the user with the multiple of merchants, using the market research to set prior probabilities that a user is a member of the group in a Bayesian belief network, analyzing the transaction data of the user via a Bayesian belief network to determine whether the transaction data of the user indicates that the user is an individual member of the group with the particular demographic characteristics, and presenting to the user at least one of an offer and a savings opportunity from a merchant seeking to contact members of the group with the particular demographic characteristics. | 08-06-2015 |
20150220999 | METHOD AND SYSTEM TO DYNAMICALLY ADJUST OFFER SPEND THRESHOLDS AND PERSONALIZE OFFER CRITERIA SPECIFIC TO INDIVIDUAL USERS - A system and method of targeting users with a reward, offer, or incentive may include selecting at least one reward, offer, or incentive to present to a user by applying at least one rule, restriction, or filter dictated by a merchant to the set to be provided to the user, applying at least one rule, restriction, or filter dictated by a financial institution to the set, and applying a filter to the set to obtain those rewards, offers, or incentives with the highest likelihood of being accepted by the user. At least one parameter of the at least one reward, offer, or incentive is adjusted prior to presentation to the user based on a spending trajectory, user propensity model, user profile information or segmentation criteria, or campaign goal. | 08-06-2015 |
20150234806 | AUTOMATED SUMMARY AND ACTION GENERATION FOR IDENTIFIED EVENTS - Disclosed herein is system, method and architecture to process information received in electronic messages, including identifying events in the lives of users from the information contained in one or more such electronic messages. | 08-20-2015 |
20160050254 | CROSS-DEVICE INTEGRATION SYSTEM AND METHOD - A cross-device messaging integration capability is disclosed, which allows a user using a first device to indicate, using a first user computing device, an intent to perform one or more messaging actions at one or more second user computing device(s). The first and second devices may be different devices. The user may receive a reminder or other notification of the user's intent at the second device(s). | 02-18-2016 |
20160086222 | METHOD AND SYSTEM TO REMIND USERS OF TARGETED OFFERS IN SIMILAR CATEGORIES - Disclosed herein is a method for providing an offer which includes selecting at least one offer for presentation by applying at least one rule dictated by a merchant to a set of offers, applying at least one rule dictated by a financial institution to the offers, and applying a filter to identify offers with the highest likelihood of being accepted by the user. The selected offer is then presented to the user. An authorization request from a merchant for a user transaction is received by a remote computer and analyzed to determine one or more categories or sub-categories of the merchant or item in the transaction. The system then determines whether the selected offer is for a merchant or item in a related but different category from the one for which the authorization request was received, and if it is, the system reminds the user of the selected offer. | 03-24-2016 |
20160098705 | CREDIT CARD WITH BUILT-IN SENSOR FOR FRAUD DETECTION - A card includes a sensor system for fraud detection. A method of fraud detection includes flagging suspicious activity on a transaction card and prompting a user to take a self-image or a voice recording with the credit card. | 04-07-2016 |