| 主权项 |
1. A method for reverse couponing, the method comprising:
electronically receiving, using a computing device processor, a first input information associated with a user, wherein the first input information comprises account information associated with a user's financial institution account and personal information associated with the user; storing, using a computing device processor, the first input information in a queue associated with the volatile memory until a second input information is received, wherein queuing further comprises reorganizing the first input information into the volatile memory; receiving, using a computing device processor, second input information associated with the user, wherein the second input information comprises social network information associated with the user; storing, using a computing device processor, the second input information in the queue associated with the volatile memory, wherein queuing the second input information further comprises reorganizing the second input information into the volatile memory; and determining, using a computing device processor, a user profile based on at least the first input information and the second input information stored in the queue associated with the volatile memory; determining, using a computing device processor, offer information associated with an offer based on at least the user profile determined using the first input information and the second input information stored in the queue associated with the volatile memory, the offer being associated with a variable discount or a rebate; adjusting, using a computing device processor, offer information associated with the 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, wherein adjusting the offer information comprises either increasing or decreasing the discount or the rebate, wherein adjusting further comprises:
determining that the user is not excluded from receiving at least one offer based on at least a first user exclusion rule; anddetermining that the offer from the merchant associated with a predetermined category code is not excluded from being presented to the user based on at least a first merchant exclusion rule; establishing, using a computing device processor, a communication link with a mobile device of the user, wherein establishing further comprises creating a wireless data channel with the mobile device of the user; transmitting, using a computing device processor, the offer to the user for display on the mobile device of the user; and determining, using a computing device processor, that the user has executed the purchase with the merchant, wherein determining further comprises:
determining that the user is excluded from receiving the offer for the purchase based on at least a second user exclusion rule; anddetermining that the offer from the merchant is excluded from being presented to the user based on at least the second merchant exclusion rule;wherein the second user exclusion rule and the second merchant exclusion rule are applied before the purchase is settled at a predetermined future settlement date; and applying, using a computing device processor, the at least one offer to the purchase executed by the user at the predetermined future settlement date based on at least determining that the user and the offer from the merchant are not excluded at the time of the execution of the purchase and are excluded at the predetermined future settlement date. |
