Patent application number | Description | Published |
20130297391 | RULE-BASED OFFER ASSOCIATION - Embodiments of the invention are directed to systems, methods and computer program products for implementing rule-based offer association, queuing input information for performing rule-based offer association, and implementing an intelligent offer tool for determining whether to present an offer to a user. The invention enables an entity to send targeted offers to a user that enables the user to receive at least one of a discount or a rebate on a purchase from a merchant. | 11-07-2013 |
20130297392 | INTELLIGENT OFFER TOOL - Embodiments of the invention are directed to systems, methods and computer program products for implementing rule-based offer association, queuing input information for performing rule-based offer association, and implementing an intelligent offer tool for determining whether to present an offer to a user. The invention enables an entity to send targeted offers to a user that enables the user to receive at least one of a discount or a rebate on a purchase from a merchant. | 11-07-2013 |
20130297400 | OFFER MODIFICATION BASED ON CIRCUMSTANCES - Embodiments of the invention are directed to systems, methods and computer program products for modifying an offer having an initial offer value including the steps of determining a first time associated with initial offer acceptance, determining a period of time corresponding to a life of the offer, initiating a clock counting down the period of time, receiving a communication indicated that the offer has been redeemed, determining a second time associated with offer redemption, and calculating, in response to receiving the communication, a modified offer value based on the first time, the second time, the initial offer value and the life of the offer. | 11-07-2013 |
20130297421 | SYSTEM AND METHOD FOR ANALYSIS OF CUSTOMER INTERACTIONS TO DEVELOP COMPREHENSIVE CUSTOMER DATA ARCHIVES - Embodiments of the invention are directed to systems, methods and computer program products for targeting offers to customers. Specifically, data relating to customers is gathered in order to generate a comprehensive customer data archive. The customer data archive may include transactional data and non-transactional data. Non-transactional data may include, for example, social media interactions, received input from a financial advisor, received input from the customer, customer-specific data such as age, family status, gender, etc. | 11-07-2013 |
20130297446 | ONLINE SHOPPING EXPERIENCE MODIFICATION - Embodiments of the invention are directed to a system, method, or computer program product for providing a modified online shopping experience to users. The modified online shopping experience presents offers to a user when the user is viewing a merchant online. The offers may be specifically tailored to the interests of the user viewing the merchant online. In this way, the system determines offers that the user may be interested in based on merchant data and financial institution data associated with the user. The tailored offers may be based on merchant data, such as previously accepted offers, loyalty accounts or the like and/or financial institution data such as products purchased, transaction history, and the like. The tailored offers that match the interest of a user may then be presented on the interface, website, or the like that the user is viewing when viewing a merchant online. | 11-07-2013 |
20140025446 | OFFER ASSIGNMENT - Embodiments of the invention are directed to systems, methods and computer program products for offer assignment. An exemplary apparatus is configured to transmit a first offer to a first user based on at least one of user information or account information associated with the first user, wherein the first offer enables the first user to receive at least one of a first discount or rebate on a first purchase from a first merchant; and determine the first user has assigned the first offer to a second user, wherein the first offer enables the second user to receive at least one of a second discount or a second rebate on the first purchase from the first merchant. | 01-23-2014 |
20140025450 | REVERSE COUPONING - Embodiments of the invention are directed to systems, methods and computer program products for reverse couponing. An exemplary apparatus is configured to determine user information and account information associated with a user; adjust offer information associated with an offer based on the user information and the account information, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase from a merchant; and transmit the adjusted offer to the user. | 01-23-2014 |
20140025458 | OFFER SUBSTITUTION AT SETTLEMENT - Embodiments of the invention are directed to systems, methods and computer program products for substituting an offer at the time of settlement of the offer. An exemplary method comprises determining a transaction associated with a financial institution account, wherein the transaction is associated with a first offer activated by a user of the financial institution account or automatically activated based on one or more pre-configured user preferences; determining, when processing the transaction, whether to substitute the first offer with a second offer, wherein the second offer is based on at least one of user information or account information associated with the user at the time of processing the transaction; and substituting the first offer with the second offer, wherein a rebate associated with the second offer is applied to the transaction. | 01-23-2014 |
20140025459 | APPLYING OFFERS TO PURCHASE TRANSACTIONS AT SETTLEMENT - Embodiments of the invention are directed to systems, methods and computer program products for applying offer to purchase transactions at settlement. An exemplary apparatus is configured to determine at least one transaction associated with a user's financial institution account; and determine, when processing the at least one transaction, whether to apply at least one offer to the at least one transaction. The at least one offer enables the user's financial institution account to receive a discount or a rebate on the at least one transaction. The at least one offer was activated by the user or automatically activated based on one or more pre-configured user preferences. In some embodiments, the at least one offer is applied to the at least one transaction based on the least one transaction occurring during a predetermined period. | 01-23-2014 |
20140025467 | OFFER ACTIVATION ACTIVITY AS AUTHENTICATION MECHANISM - Embodiments of the invention are directed to systems, methods and computer program products for authentication based on offer activation activity. An exemplary apparatus is configured to receive a user's access request; determine an activated offer and a rejected offer within a predetermined period in the past; and initiate presentation of an authentication prompt, wherein the authentication prompt is based on at least one of the activated offer or the rejected offer. | 01-23-2014 |
20140025491 | OFFERS BASED ON LIFE EVENTS - Embodiments of the invention are directed to systems, methods and computer program products for determining offers based on life events. An exemplary apparatus is configured to determine a life event based on at least one of user information or account information associated with a user of a financial institution account; project a timeline of future events based on the life event; determine an offer associated with a future event, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase transaction; and transmit the offer to the user near in time to the future event's projected occurrence. | 01-23-2014 |
20140025492 | MICRO-TARGETING OFFERS AT HOUSEHOLD LEVEL - Embodiments of the invention are directed to systems, methods and computer program products for micro-targeting users at household level. An exemplary apparatus is configured to: determine a first user is accessing an account, wherein the account is associated with a first user and a second user, wherein the account is presented on a user interface; and in response to determining the first user is accessing the account, transmit a first offer to the first user, wherein the first offer is based on user information and account information associated with the first user, wherein the first offer is presented on the user interface, and wherein the first offer enables the first user to receive a discount or a rebate on a transaction associated with the first offer. | 01-23-2014 |
20140032290 | INCENTIVE FOR OFFER DISTRIBUTION - Embodiments of the invention are directed to systems, methods and computer program products for applying offer to purchase transactions at settlement. An exemplary apparatus is configured to determine at least one transaction associated with a user's financial institution account; and determine, when processing the at least one transaction, whether to apply at least one offer to the at least one transaction. The at least one offer enables the user's financial institution account to receive a discount or a rebate on the at least one transaction. The user may transmit the at least one offer to a second user. In some embodiments, the at least one offer is applied to the at least one transaction based on whether the user transmitted the at least one offer to the second user and/or whether the second user executed at least one transaction associated with the at least one offer. | 01-30-2014 |
20140032292 | OFFER AGGREGATION - Embodiments of the invention are directed to systems, methods and computer program products for offer aggregation. An exemplary apparatus is configured to determine a first offer that is associated with a first discount or rebate on a first transaction; determine a second offer that is associated with a second discount or rebate on a second transaction; determine whether the user executed the first transaction and the second transaction; and in response to determining the user executed the first transaction and the second transaction when processing the first transaction and the second transaction, apply a third discount or rebate to the user's financial institution account, wherein the third discount or rebate is based on at least one of the first discount or rebate or the second discount or rebate. | 01-30-2014 |
20140032293 | SEQUENTIAL OFFER AGGREGATION - Embodiments of the invention are directed to systems, methods and computer program products for sequential offer aggregation. An exemplary apparatus is configured to determine a first offer that enables the user's financial institution account to receive a first discount or rebate on a first transaction; and in response to determining the user executed the first transaction, determine a second offer that enables the user's financial institution account to receive a second discount or rebate on a second transaction. In some embodiments, the second offer may be based on the first offer. | 01-30-2014 |
20140032294 | OFFERS BASED ON USER ACTIVITY - Embodiments of the invention are directed to systems, methods and computer program products for applying offers to purchase transactions at settlement based on an activity performed by a user. An exemplary apparatus is configured to determine at least one transaction associated with a user's financial institution account; and determine, when processing the at least one transaction, whether to apply at least one offer to the at least one transaction. The at least one offer enables the user's financial institution account to receive a discount or a rebate on the at least one transaction. In some embodiments, the at least one offer is applied to the at least one transaction based on substantially matching activity information associated with the at least one offer with at least one activity performed by the user. | 01-30-2014 |
20140046748 | OFFERS BASED ON PRE-PURCHASE INTENT - Embodiments of the invention are directed to systems, methods and computer program products for transmitting offers based on pre-purchase intent. An exemplary apparatus is configured to: receive a declaration of intent from a user, the declaration of intent being associated with an intended purchase; transmit the declaration of intent to at least one merchant; receive an offer from the at least one merchant, the offer being based on the declaration of intent, and the offer enabling the user to receive a discount or rebate on the intended purchase; and transmit the offer to the user. | 02-13-2014 |
20140074574 | ADAPTIVE RESPONSE TO USER TRANSACTIONS - Embodiments of the invention are directed to systems, methods and computer program products for adaptively responding to a user transaction. An exemplary apparatus is configured to: receive information associated with an offer, the offer enabling a user to receive a discount or rebate on a qualifying transaction; receive authorization information associated with a transaction, the offer not activated by the user prior to the transaction; and transmit a message to the user advising the user to activate the offer within a predetermined period, wherein the transaction is cleared upon expiration of the predetermined period. | 03-13-2014 |
20140149195 | NEAR REAL-TIME MATCH - Embodiments of the invention are directed to systems, methods and computer program products for enabling a user to determine whether a transaction qualifies for an offer. An exemplary apparatus is configured to: receive information associated with a transaction; receive information associated with an offer, the offer enabling a user to receive a discount or rebate on a qualifying transaction; and initiate presentation of an indicator indicating whether the transaction qualifies for the offer. | 05-29-2014 |
20140149201 | USER DASHBOARD - Embodiments of the invention are directed to systems, methods and computer program products for initiating presentation of a rebate associated with a transaction. An exemplary apparatus is configured to: determine a user executed a first transaction qualifying for a first offer; determine a first rebate associated with the first transaction; apply the first rebate to the user's account; initiate presentation of the first rebate on a user interface; determine the user executed a second transaction qualifying for a second offer; determine a second rebate associated with the second transaction, wherein the second rebate is not applied to the user's account; and initiate presentation of the second rebate on the user interface. | 05-29-2014 |