| 摘要 |
Embodiments of the invention include a merchant offer program application, which is downloaded onto a customer computer, and that works in connection with the customer's accounts at an institution. The merchant offer program application monitors the location of the customer over time and recognizes patterns in the routes the customer travels and locations that the customer frequently visits. The merchant offer program provides additional information to the customer, such as offers that are available for the product, the identity of other merchants that offer the product or a competing product, advertisements or offers regarding other ancillary products typically sold along with the product being considered, etc. based at least in part on the patterns recognized by the merchant offer program. The information sent to the customer can be based not only on the patterns identified, but on the customer's past purchase behavior, account balances, interests, merchant and/or institution relationships, etc.
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