| 发明名称 | System and method for a mobile wallet | ||
| 摘要 | A computer-implemented system and method for providing offers to a mobile device includes receiving at least one offer from at least one merchant at an offer computer system and determining, by the offer computer system, an offer to present on the mobile device based on at least one characteristic of a user of the mobile device, the offer providing the user a discount from a price of a product or service. The method includes receiving a request for a code to provide to a merchant, the code being generated for the mobile device that belongs to the user. The method includes receiving, from a mobile device, an indication from the user to use the offer and sending, by the offer computer system, to the mobile device an offer code to be displayed on the mobile device to be received by a merchant. | ||
| 申请公布号 | US8930271(B1) | 申请公布日期 | 2015.01.06 |
| 申请号 | US201213456157 | 申请日期 | 2012.04.25 |
| 申请人 | Wells Fargo Bank, N.A. | 发明人 | Ellis Stephen M.;Kennedy Michael J.;Kurani Ashish Bhoopen;Lowry Melissa;Meyyappan Uma;Sahni Bipin;Stroke Nikolai |
| 分类号 | G06Q40/00 | 主分类号 | G06Q40/00 |
| 代理机构 | Foley & Lardner LLP | 代理人 | Foley & Lardner LLP |
| 主权项 | 1. A computer-implemented method for providing offers to a mobile device, comprising: receiving at least one offer from at least one merchant at an offer computer system; accessing a financial institution computer system to determine at least one past transaction that was processed through a financial institution account held by a user; determining, by the offer computer system, an offer to present on the mobile device based on at least one characteristic of the user of the mobile device, wherein the at least one characteristic of the user to determine the offer comprises the at least one past transaction that was processed by the financial institution account held by the user, the offer providing the user a discount from a price of a product or service that is related to the at least one past transaction; receiving a request for an offer code to be provided to a merchant; generating the offer code, including embedding in the offer code a geographic location of the mobile device, the offer code being generated for the mobile device that belongs to the user, and the offer code is to be communicated by the mobile device to the merchant; and sending, by the offer computer system, the offer code to the mobile device. | ||
| 地址 | San Francisco CA US | ||