Patent application number | Description | Published |
20140278897 | RETROACTIVE REWARDS BASED RECOMMENDATION OF PAYMENT VEHICLE TO INDIVIDUAL PRODUCTS OF A TRANSACTION - Embodiments of the invention are directed to a system, method, or computer program product for recommending payment vehicles for a transaction on a product-by-product basis based on available rewards for each product. In this way, the customer may complete a transaction with a merchant using a temporary line of credit. The invention may then apply individual products of the transaction to different recommended payment vehicles based on the maximum rewards each product may receive if applied to that payment vehicle. Once each product of the transaction has been reassigned to a recommended payment vehicle, the temporary line of credit may be terminated. | 09-18-2014 |
20140279123 | GEOLOCATION CHECK-IN SYSTEM - Embodiments of the invention are directed to systems, methods and computer program products for providing a geolocation check-in system. An exemplary apparatus is configured to collect positioning data related to a user. After collecting position data the apparatus may be configure to determine, based at least partially on the positioning data that the user has crossed a threshold of a geofence associated with a merchant's location. Based at least partially on this determination the apparatus may be configured to initiate a merchant check-in associated with the user and transmit user information to the merchant. | 09-18-2014 |
20140279270 | PRE-ORDERING BASED ON LOCATION OF A CUSTOMER - Embodiments of the invention relate to systems and methods that enable a user to pre-order products from an internal or external organization. The organization procures the products and/or completes the pre-order, such as completes a payment for the pre-order or finishes the pre-order, based on the location of the user, as determined through the user's mobile device. The order is only completed when the customer location is determined to be within a desired location of the collection point for the pre-order. Preparation of the products pre-ordered by the user commences upon the user location satisfying a predetermined criteria, such as the user being located an approximate distance from a particular location, the user having an approximate arrival time from a particular location, the user located within an electronic geographic fenced area around a particular location, or the user identified as moving with respect to a particular location. | 09-18-2014 |
20140279409 | RECOMMENDING RETROACTIVE VEHICLE FOR PAYMENT BASED ON IN-FLOWS AND OUT-FLOWS - Embodiments of the invention are directed to a system, method, or computer program product for recommending a payment vehicle for a transaction, retroactively. In this way, the invention provides retroactive payment vehicle recommendation after the transaction has occurred based on criteria from customer inputs, customer in-flows, and customer out-flows. In this way, the customer may complete a transaction with a merchant using a temporary line of credit. Subsequently the system may apply the transaction to the determined recommended payment vehicle. Then the temporary line of credit may be terminated. | 09-18-2014 |
20140279411 | PRE-ARRANGING PAYMENT ASSOCIATED WITH MULTIPLE VENDORS WITHIN A GEOGRAPHIC AREA - Embodiments of the invention are directed to systems, methods and computer program products for enabling a user to execute at least one purchase transaction in a geographical area. An exemplary apparatus is configured to: receive identification information from a mobile device when a user associated with the mobile device enters a geographical area; receive geolocation information from the mobile device; receive payment preference information; determine, based on the geolocation information and the identification information, a purchase transaction being executed by a user of the mobile device in the geographical area; store transaction information associated with the purchase transaction; and process the transaction information, based on the payment preference information, upon determining the mobile device is exiting or has exited the geographical area. | 09-18-2014 |
20140279471 | SINGLE PAYMENT CARD FOR FLEXIBLE PAYMENT VEHICLE OPTIONS FOR A TRANSACTION - Embodiments of the invention are directed to a system, method, or computer program product for providing a customer with a single transaction card that is tied to the customer's available payment vehicles. As such, the single transaction card may be utilized by the customer to complete a transaction with a merchant. Subsequently, based on customer rules or customer selection, the invention may direct the transaction to the selected payment vehicle. Rules include any preferences that a customer may input that allows the invention to automatically apply a single transaction card transaction to a payment vehicle. As such, rules may be trigged for a specific merchant, a specific transaction amount, a specific location, and/or the like. If a rule is triggered by a transaction made with the single transaction card, the triggered transaction will be automatically applied to the payment vehicle tied to that rule. | 09-18-2014 |
20140279505 | RECOMMENDING VEHICLE FOR PAYMENT BASED ON SOCIAL NETWORK DATA - Embodiments of the invention are directed to a system, method, or computer program product for recommending payment vehicles for a transaction based on social network data. Embodiments of the invention allow a customer to receive a recommended payment vehicle for a transaction with a merchant where the recommended payment vehicle is determined based on social network data. In this way, a payment recommendation may be based on one or more preferences of a trusted advisor, social network friend, family member, celebrity, or an aggregation of data related to how a group of individuals on a social network are selecting payment vehicles for various merchants. The invention may review this social network data and provide the customer with a payment vehicle recommendation for a transaction with a merchant. | 09-18-2014 |
20140279713 | AUTOMATED PAYMENT FOR A RENTAL PERIOD BASED ON DETERMINING THE LOCATION OF A RENTER'S MOBILE COMMUNICATION DEVICE - Systems, apparatus, methods and computer programs provide for self-service rental of rental items. The self-service aspect of the invention allows for renters to obtain the rental, leave the rental agency facility, return the rental item and pay for the rental without having to come into contact with anyone at the rental agency. The invention implements a renter's mobile device. In this regard, the mobile device receives information related to the rental item that the renter desires to rent and initiates the self-service process. The rental period is defined by the time at which the mobile device, equipped with location-determining mechanisms, departs a designated rental area and the time at which the mobile device returns to the same or another designated rental area. Once the rental period is known, the rental period payment amount can be determined based on a predetermined rental rate and payment provided. | 09-18-2014 |