Patent ID: 8775253
Filing Date: 2014-07-08
Classification: G06Q,H04M

Abstract:
1. A computer implemented method of sending an offer to a customer of a financial account in a financial institution, the method comprising: monitoring, by one or more processors, a location of the customer based on a location of a wireless computing device of the customer; determining, by the one or more processors, that the customer is located near one or more merchants based on the monitored location of the customer; monitoring, by the one or more processors, a status of the financial account of the customer; determining, by the one or more processors, that the customer is a rewards member associated with the financial account; providing, by the one or more processors, one or more first rewards for purchases made using the financial account; determining, by the one or more processors, that the financial account has a rewards level within a proximity of a reward redemption threshold level; generating, by the one or more processors, an offer associated with at least one product of the one or more merchants located near the monitored location of the customer allowing the customer to reach the rewards redemption threshold level by crediting the financial account for a second reward, wherein the one or more first rewards would not cause the customer to reach the rewards redemption threshold level; sending the offer to the customer via the customer's wireless computing device based on the determination that the financial account has the rewards level within the proximity of the reward redemption threshold level; and providing the second reward to the customer based upon an indication that the customer purchased a product associated with the offer at the one or more merchants using the financial account.