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1. WO2011094449 - MOBILE LOCATION INTEGRATED MERCHANT OFFER PROGRAM AND CUSTOMER SHOPPING

Publication Number WO/2011/094449
Publication Date 04.08.2011
International Application No. PCT/US2011/022779
International Filing Date 27.01.2011
IPC
H04M 3/493 2006.1
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
MTELEPHONIC COMMUNICATION
3Automatic or semi-automatic exchanges
42Systems providing special services or facilities to subscribers
487Arrangements for providing information services, e.g. recorded voice services or time announcements
493Interactive information services, e.g. directory enquiries
H04M 3/42 2006.1
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
MTELEPHONIC COMMUNICATION
3Automatic or semi-automatic exchanges
42Systems providing special services or facilities to subscribers
CPC
G06Q 30/02
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
G06Q 30/0259
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
0241Advertisement
0251Targeted advertisement
0259based on store location
G06Q 30/0261
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
0241Advertisement
0251Targeted advertisement
0261based on user location
H04L 67/18
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
67Network-specific arrangements or communication protocols supporting networked applications
18in which the network application is adapted for the location of the user terminal
H04M 2242/15
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
MTELEPHONIC COMMUNICATION
2242Special services or facilities
15Information service where the information is dependent on the location of the subscriber
H04M 2242/30
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
MTELEPHONIC COMMUNICATION
2242Special services or facilities
30Determination of the location of a subscriber
Applicants
  • BANK OF AMERICA CORPORATION [US]/[US] (AllExceptUS)
  • BLACKHURST, Jason [US]/[US] (UsOnly)
  • UPTON, Michael, W. [US]/[US] (UsOnly)
Inventors
  • BLACKHURST, Jason
  • UPTON, Michael, W.
Agents
  • MCAVOY, Christopher, W.
Priority Data
13/013,72725.01.2011US
61/299,65829.01.2010US
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) MOBILE LOCATION INTEGRATED MERCHANT OFFER PROGRAM AND CUSTOMER SHOPPING
(FR) PROGRAMME D'OFFRES DE COMMERÇANTS À LOCALISATION DE DISPOSITIFS MOBILES INTÉGRÉE ET SHOPPING PAR DES CLIENTS
Abstract
(EN) 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 websites that the customer views, as well as the content the customer is viewing on those websites, such as the products offered for sale through the website or other information on the website. The merchant offer program provides additional information to the customer, such as special offers that are available for the product being viewed, 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. The information sent to the customer can be based not only on the website product being viewed, but on the customer's past purchase behavior, account balances, interests, etc.
(FR) L'invention concerne, selon des modes de réalisation, une application-programme d'offres de commerçants, téléchargée sur un ordinateur d'un client et fonctionnant en relation avec les comptes détenus par le client auprès d'une institution. L'application-programme d'offres de commerçants effectue un suivi des sites Web consultés par le client ainsi que du contenu consulté par le client sur ces sites Web, notamment les produits offerts à la vente par le biais des sites Web ou d'autres informations figurant sur les sites Web. L'application-programme d'offres de commerçants présente des informations supplémentaires au client, notamment des offres spéciales disponibles pour le produit consulté, l'identité d'autres commerçants offrant le produit ou un produit concurrent, des publicités ou des offres relatives à des produits connexes généralement vendus conjointement avec le produit examiné, etc. Les informations transmises au client peuvent reposer non seulement sur le produit du site Web consulté, mais aussi sur le comportement d'achat passé du client, sur les soldes de ses comptes, ses intérêts, etc.
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