发明申请
- 专利标题: OPTIMIZING OFFERS BASED ON USER TRANSACTION HISTORY
- 专利标题(中): 根据用户交易历史进行优化
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申请号: US13213935申请日: 2011-08-19
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公开(公告)号: US20130046626A1公开(公告)日: 2013-02-21
- 发明人: David M. Grigg , Matthew A. Calman , Erik Stephen Ross , Raja Bose
- 申请人: David M. Grigg , Matthew A. Calman , Erik Stephen Ross , Raja Bose
- 申请人地址: US NC Charlotte
- 专利权人: BANK OF AMERICA CORPORATION
- 当前专利权人: BANK OF AMERICA CORPORATION
- 当前专利权人地址: US NC Charlotte
- 主分类号: G06Q30/00
- IPC分类号: G06Q30/00
摘要:
Embodiments of the invention are directed to a system, method, or computer program product for providing offers to purchase products or services to a user, the offers being tailored to the user. Embodiments of the invention allow a user to receive offers to purchase products based on the user's transaction history, offer acceptance history, demographic, or offers for products that the user wishes. In this way, the user receives offers for products that he/she may be interested in instead of having to find offers he/she is interested in by searching all the offers available to him/her. A financial institution may receive information regarding the user's transaction history, offer acceptance history, demographic, or watch list. This information may provide parameters for a filter to which offers may be provided to the user, such that the offers that are provided to the user may be of interest to him/her. Thus, the system may optimize the offers provided to the user to ensure that the offers the user receives are ones that he/she may have an interest in using to purchase a product or service.