Patent ID: 8584940

Claim:
A method for transmitting an offer to a user, the method comprising: accessing information associated with a credit or debit card of a user by way of a mobile device, wherein the credit or debit card is registered with a third party; prompting the user to accept terms and conditions, wherein the terms and conditions permit the third party to access tracked activities of the user, including a real-time location of the mobile device; setting the credit or debit card as a default payment method; receiving a plurality of offers by a plurality of sellers, the plurality of offers including pricing information associated with a product or service; and executing instructions stored in memory, wherein execution of the instructions by a processor: matches at least one offer of the plurality of offers to the user based on the real-time location information of the mobile device and a category associated with a product or service selected by the user, permits the user to input new search criteria by way of the mobile device, analyzes the new search criteria to make at least one inference regarding what information to display to the user, displays information to the user based on the at least one inference related to the new search criteria, and presents at least one new offer of the plurality of offers to the user based at least in part on the at least one inference, wherein the user receives the at least one new offer after the user accepts the terms and conditions associated with the at least one new offer and uses the credit or debit card for payment.