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1.发明申请PROVIDING FINANCIAL INSTITUTION INFORMATION OR OFFERS TO USER THAT ARE DETERMINED TO BE OR WILL BE TRAVELLING 审中-公开向被确定或正在进行旅行的用户提供财务机构信息或优惠公开(公告)号：US20130046625A1
公开(公告)日：2013-02-21
申请号：US13213881
申请日：2011-08-19
IPC分类号： G06Q30/00
摘要： Methods, apparatus and computer-program products are described for providing travel- location merchant offers to users who are determined to be travelling based on Point-Of-Sale (POS) transaction data. Embodiments of the invention compare the location of the POS transaction to the user's domicile location and if the transaction occurs a predetermined distance or greater from the domicile location, the user is determined to be travelling. Once the travelling determination is made, travel-location merchant offers are identified and communicated to the user.
摘要翻译： 描述了方法，装置和计算机程序产品，用于向基于销售点（POS）交易数据确定为旅行的用户提供旅行地点商家优惠。 本发明的实施例将POS交易的位置与用户的住所位置进行比较，并且如果交易从住所位置发生预定距离或更大的距离，则确定用户正在行驶。 一旦行进确定，旅行地点商家报价被识别并传达给用户。
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2.发明申请MOBILE DOOR BUSTER OFFER TRANSMISSION WITH MOBILE USER OFFER ACCEPTANCE OR REDEMPTION 审中-公开手机用户提供的移动门总线传输接受或赎回公开(公告)号：US20130054369A1
公开(公告)日：2013-02-28
申请号：US13215020
申请日：2011-08-22
申请人： David M. Grigg , Raja Bose , Matthew A. Calman , Alicia C. Jones , Carrie Anne Hanson , Elizabeth S. Votaw , Erik Stephen Ross
发明人： David M. Grigg , Raja Bose , Matthew A. Calman , Alicia C. Jones , Carrie Anne Hanson , Elizabeth S. Votaw , Erik Stephen Ross
IPC分类号： G06Q30/00
摘要： A method for communicating one or more offers to one or more users determines a distance between each of the plurality of users and one or more merchants, based at least in part on a first set of data, wherein the first set of data comprises information related to a plurality of users and a plurality of locations, each of the plurality of locations corresponding to one or more of the plurality of users, correlates the distance between each of the users and the one or more merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the one or more merchants, determines to which of the plurality of users to make offers, communicates one or more offers to the determined users based at least in part on the correlated distance between each of the users and the one or more merchants, and receives, communicated from a mobile device of a user, acceptance or redemption of one or more of the offers.
摘要翻译： 至少部分地基于第一组数据来将一个或多个提议传送给一个或多个用户的方法确定多个用户中的每一个与一个或多个商家之间的距离，其中第一组数据包括相关信息 对多个用户和多个位置，对应于多个用户中的一个或多个的多个位置中的每个位置将每个用户和一个或多个商家之间的距离与一个或多个提供相关联，其中， 旨在诱使一个或多个用户旅行到与一个或多个商家相对应的一个或多个位置，确定多个用户中的哪一个进行提供，至少部分地向所确定的用户传达一个或多个优惠 在每个用户和一个或多个商家之间的相关距离上，并从用户的移动设备接收，接收或兑换一个或多个优惠。
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公开(公告)号：US20130046589A1
公开(公告)日：2013-02-21
申请号：US13213792
申请日：2011-08-19
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02
摘要： Embodiments of the invention are directed to methods, systems, apparatus and computer program products are described herein for communicating offers to customers based in part on the distance from the customer to the merchant's location after receiving an indication of a point of transaction event by receiving an indication of a point-of-transaction event, collecting positioning information related to the customer, determining the distance between the customer and the merchant, correlating the distance between the customer and the merchant to offers to entice the customer to travel to the merchant's location and communicating the offers to the customer.
摘要翻译： 本发明的实施例涉及这里描述的方法，系统，装置和计算机程序产品，用于在接收到交易事件点的指示之后，部分地基于从客户到商家的位置的距离来向客户传送提供 指示交易点事件，收集与客户相关的定位信息，确定客户与商家之间的距离，将客户与商家之间的距离相关联以提醒顾客旅行到商家的位置，以及 向客户传达优惠。
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4.发明申请DETERMINING MERCHANTS IN A TRAVEL LOCATION THAT ARE THE SAME OR SIMILAR TO MERCHANTS USED BY A USER AND PROVIDING MERCHANT INFORMATION TO THE USER 审中-公开在与用户使用的商业活动相似或类似的旅行地点确定商户，并向用户提供商业信息公开(公告)号：US20130046633A1
公开(公告)日：2013-02-21
申请号：US13213803
申请日：2011-08-19
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02
摘要： Methods, apparatus and computer-program products are described for determining that a user is at or will be at a travel location based on financial institution transaction data and identifying merchants at the travel location that are the same or similar to merchants previously used by the user. Once the same or similar merchants have been identified, information, such as merchant offers, associated with the same or similar merchants is communicated to the user via a chosen communication mechanism.
摘要翻译： 描述方法，装置和计算机程序产品，用于基于金融机构交易数据确定用户处于或将要处于旅行位置，并且识别与旅行位置相同或相似于之前由用户使用的商家的商家 。 一旦相同或类似的商家被识别，与相同或类似商家相关联的信息，例如商家报价，通过所选择的通信机制传送给用户。
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公开(公告)号：US20130046632A1
公开(公告)日：2013-02-21
申请号：US13213785
申请日：2011-08-19
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02
摘要： Embodiments of the invention are directed to methods, systems, apparatus and computer program products are described herein for communicating offers to customers along a projected travel route after receiving an indication of a point of transaction event by collecting positioning information related to the customer, analyzing the positioning information to project the customer's likely route of travel, identifying one or more offers in which the customer may be interested, based in part on the customer's projected likely route of travel and communicating the offers to the customer.
摘要翻译： 本发明的实施例涉及这里描述的方法，系统，装置和计算机程序产品，用于通过收集与客户相关的定位信息，在接收到交易事件点的指示之后，沿着预计的行进路线向客户传达提交，分析 定位信息以预测客户可能的旅行路线，确定客户可能感兴趣的一个或多个优惠，部分基于客户预期的可能的旅行路线并将该优惠传达给客户。
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公开(公告)号：US20130046626A1
公开(公告)日：2013-02-21
申请号：US13213935
申请日：2011-08-19
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0207
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.
摘要翻译： 本发明的实施例涉及一种用于向用户提供购买产品或服务的提供的系统，方法或计算机程序产品，该提供被定制到用户。 本发明的实施例允许用户基于用户的交易历史，提供接受历史，人口统计或用户希望的产品的报价来接收购买产品的报价。 以这种方式，用户可以收到他/她可能感兴趣的产品的报价，而不必通过搜索他/她可用的所有优惠来找到他/她感兴趣的优惠。 金融机构可能会收到有关用户交易记录，报价接受历史记录，人口统计信息或观察列表的信息。 该信息可以为可以向用户提供优惠的过滤器提供参数，使得提供给用户的报价可能是他/她感兴趣的。 因此，系统可以优化提供给用户的优惠，以确保用户收到的提供是他/她可能对使用购买产品或服务有兴趣的。
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公开(公告)号：US20130054368A1
公开(公告)日：2013-02-28
申请号：US13215016
申请日：2011-08-22
申请人： David M. Grigg , Raja Bose , Matthew A. Calman , Alicia C. Jones , Carrie Anne Hanson , Elizabeth S. Votaw , Erik Stephen Ross
发明人： David M. Grigg , Raja Bose , Matthew A. Calman , Alicia C. Jones , Carrie Anne Hanson , Elizabeth S. Votaw , Erik Stephen Ross
IPC分类号： G06Q30/00
摘要： A method for communicating one or more offers to users determines a distance between each of the users and one or more merchants, based at least in part on a first set of data including information related to users and locations, each corresponding to one or more of the users, correlates the distance between each of the users and the merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the merchants, determines to which of the users to make offers, communicates the offers to the determined users based on the correlated distance between each of the users and the merchants, monitors acceptance rate of the offers, and communicates one or more modified offers to one or more users based on the monitored acceptance rate of the offers.
摘要翻译： 用于向用户传达一个或多个提议的方法至少部分地基于包括与用户和位置相关的信息的第一组数据来确定每个用户与一个或多个商家之间的距离，每一个对应于一个或多个 用户将每个用户和商户之间的距离与一个或多个提供相关联，其中，所述提议旨在诱使一个或多个用户前往与商家相对应的一个或多个位置，确定哪个用户为 根据所述用户和所述商户之间的相关距离，向所确定的用户传送所述优惠，监视所述优惠的接受率，并且基于所监视的接受率将一个或多个修改的优惠传送给一个或多个用户 优惠。
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8.发明授权Predicting future travel based on a user's historical financial institution transaction data and providing offers based on the predicted future travel 有权根据用户的历史金融机构交易数据预测未来旅行，并根据预测的未来旅行提供优惠公开(公告)号：US08694456B2
公开(公告)日：2014-04-08
申请号：US13213885
申请日：2011-08-19
IPC分类号： G06N5/02
CPC分类号： G06Q30/02
摘要： Methods, apparatus and computer-program products are described for providing travel-location merchant offers to users who are determined to be travelling based on Point-Of-Sale (POS) transaction data. Embodiments of the invention compare the location of the POS transaction to the user's domicile location and if the transaction occurs a predetermined distance or greater from the domicile location, the user is determined to be travelling. Once the travelling determination is made, travel-location merchant offers are identified and communicated to the user.
摘要翻译： 描述了用于向基于销售点（POS）交易数据确定为旅行的用户提供旅行地点商家优惠的方法，装置和计算机程序产品。 本发明的实施例将POS交易的位置与用户的住所位置进行比较，并且如果交易从住所位置发生预定距离或更大的距离，则确定用户正在行驶。 一旦行进确定，旅行地点商家报价被识别并传达给用户。
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9.发明申请公开(公告)号：US20130054367A1
公开(公告)日：2013-02-28
申请号：US13215012
申请日：2011-08-22
申请人： David M. Grigg , Raja Bose , Matthew A. Calman , Alicia C. Jones , Carrie Anne Hanson , Elizabeth S. Votaw , Erik Stephen Ross
发明人： David M. Grigg , Raja Bose , Matthew A. Calman , Alicia C. Jones , Carrie Anne Hanson , Elizabeth S. Votaw , Erik Stephen Ross
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0207
摘要： A method communicates one or more offers to a customer by determining a distance between each of the plurality of users and one or more merchants, based at least in part on a first set of data, wherein the first set of data comprises information related to a plurality of users and a plurality of locations, each of the plurality of locations corresponding to one or more of the plurality of users. The method then correlates the distance between each of the users and the one or more merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the one or more merchants, collects a second set of data, wherein the second set of data comprises information related to historical transaction data corresponding to one or more of the plurality of users, determines to which of the plurality of users to make offers based at least in part on historical transaction data, and communicates one or more offers to the determined users based at least in part on the correlated distance between each of the users and the one or more merchants.
摘要翻译： 一种方法至少部分地基于第一组数据，通过确定多个用户中的每一个与一个或多个商家之间的距离来向客户传送一个或多个优惠，其中第一组数据包括与 多个用户和多个位置，所述多个位置中的每一个对应于所述多个用户中的一个或多个。 该方法然后将每个用户和一个或多个商家之间的距离与一个或多个提供相关联，其中，所述提议旨在诱使一个或多个用户前往与一个或多个商家对应的一个或多个位置，收集 第二组数据，其中所述第二组数据包括与对应于所述多个用户中的一个或多个的历史交易数据相关的信息，至少部分地基于历史交易数据确定所述多个用户中的哪个用户提供报价 并且至少部分地基于每个用户和一个或多个商家之间的相关距离将一个或多个优惠传达给所确定的用户。
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10.发明申请PREDICTING FUTURE TRAVEL BASED ON A USER'S HISTORICAL FINANCIAL INSTITUTION TRANSACTION DATA AND PROVIDING OFFERS BASED ON THE PREDICTED FUTURE TRAVEL 有权根据用户的历史财务机构交易数据预测未来旅游，并根据预测的未来旅行提供优惠公开(公告)号：US20130046717A1
公开(公告)日：2013-02-21
申请号：US13213885
申请日：2011-08-19
IPC分类号： G06N5/02
CPC分类号： G06Q30/02
摘要： Methods, apparatus and computer-program products are described for providing travel-location merchant offers to users who are determined to be travelling based on Point-Of-Sale (POS) transaction data. Embodiments of the invention compare the location of the POS transaction to the user's domicile location and if the transaction occurs a predetermined distance or greater from the domicile location, the user is determined to be travelling. Once the travelling determination is made, travel-location merchant offers are identified and communicated to the user.
摘要翻译： 描述了用于向基于销售点（POS）交易数据确定为旅行的用户提供旅行地点商家优惠的方法，装置和计算机程序产品。 本发明的实施例将POS交易的位置与用户的住所位置进行比较，并且如果交易从住所位置发生预定距离或更大的距离，则确定用户正在行驶。 一旦行进确定，旅行地点商家报价被识别并传达给用户。
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