Patent
System and method for platform-driven savings opportunity matching
Ramakrishna V. Satyavolu,Samir Kothari,Shehzad Daredia,Bala Krishna Nakshatrala,Saravana Perumal +4 more
Reads0
Chats0
TLDR
In this paper, a system and method for platform-driven savings opportunity matching includes gathering transaction data from a user's financial account, wherein the user financial account is a financial institution account that is maintained on behalf of the user and analyzing the transaction data for a psychographic inference.Abstract:
A system and method for platform-driven savings opportunity matching includes gathering transaction data from a user's financial account, wherein the user's financial account is a financial institution account that is maintained on behalf of the user and analyzing the transaction data for a psychographic inference. A savings opportunity from a database of savings opportunities is matched to the user based on the psychographic inference. The savings opportunity is displayed in association with a statement of the user's financial account.read more
Citations
More filters
Patent
Loyalty incentive program using transaction cards
Ruth L. Aloni,Benzion T. Axelrod,Jean L. Bowman,Jack J. Funda,Jonathan S. Polon,Sripriya V. Tiku +5 more
TL;DR: In this article, a system and method for providing rewards or loyalty incentives to card member customers is presented, which includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor.
Patent
Systems and methods for tailoring marketing
TL;DR: In this article, a collaborative filtering algorithm is used to recommend an item to a consumer based on a consumer relevance value associated with an item and information associated with the item to the consumer.
Patent
System and method for providing coupon-less discounts based on a user broadcasted message
TL;DR: In this paper, the authors provide an offer to a user that may be accepted by the user through an action by a user, for example, a broadcast through a social media channel, defined that the broadcast comprise an offer identifier and may require that a user take subsequent action to fulfill the offer.
Patent
Systems and methods for providing location based coupon-less offers to registered card members
Miles Baker,Diane M. Derocher,Sastry Vsm Durvasula,Sherree Newhouse,Manjushri H. Puranik,Sripriya V. Tiku +5 more
TL;DR: In this paper, a location-based coupon-less offers based on a location of a card member (CM) is proposed, where an offer, once accepted by a CM, may be matched to a record of charge associated with a transaction account held by the CM.
Patent
System and method for prepaid rewards
TL;DR: In this paper, a system and method for providing rewards or loyalty incentives to card member customers is presented, which includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor.
References
More filters
Patent
Optimised messages containing barcode information for mobile receiving devices
TL;DR: In this paper, a system for delivering coupons containing barcodes to a mobile device such as a mobile phone is disclosed, where a message processor generates message data comprising a coupon and a message optimiser generates an optimised message responsive to the message data and the capabilities of the mobile device.
Patent
System and Method for Dynamically Identifying, Prioritizing and Offering Reward Categories
TL;DR: In this article, a system and method for identifying and offering rewards is presented, which comprises the steps of determining a user's transaction history or category history, such as, for example, spending history, transaction history, merchant history, purchases history, services history, product history, channel history, frequency of spending histories, SKU history, redemption history, reward earnings history, earning levels, reward categories, currency type (e.g., points, miles, or cash), currency history, customer responses to questions, and/or other data or information that enables identification of relevant rewards
Patent
System and methods for delivering targeted marketing offers to consumers via an online portal
TL;DR: In this article, a system and methods for delivering targeted marketing offers to consumers during a session with an online (web-based) Internet portal, particularly suitable for online banking portals of financial institutions, are presented.
Patent
System and method for presenting multiple sheetlets on a medium surface while presenting multiple logical pages within the sheetlets
Roger Lee Buis,Reinhard Heinrich Hohensee,David Earl Stone,Jamsie R. Treppendahl,Rose Ellen Visoski +4 more
TL;DR: The at-least-one N-up instruction as mentioned in this paper specifies that first and second logical pages are to be presented within a first sidemap and that a third logical page is to be present within a second sidemeap.
Patent
Monitoring Capabilities for Mobile Electronic Devices
William E. Bull,Policarpo Wood +1 more
TL;DR: In this article, improved computer-implemented techniques for providing relevant information to mobile electronic devices are disclosed, where usage of mobile devices can be monitored and usage data can be formed.