US 11,810,145 B2
Systems and methods for promoting transaction rewards
Abdelkader Benkreira, New York, NY (US); Joshua Edwards, Philadelphia, PA (US); and Adam Vukich, Springfield, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Mar. 27, 2020, as Appl. No. 16/832,458.
Prior Publication US 2021/0304242 A1, Sep. 30, 2021
Int. Cl. G06Q 30/00 (2023.01); G06Q 30/0226 (2023.01); H04W 4/12 (2009.01); G06Q 30/0207 (2023.01)
CPC G06Q 30/0226 (2013.01) [G06Q 30/0224 (2013.01); G06Q 30/0239 (2013.01); H04W 4/12 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A computer-implemented method of providing alternative offer information to a user during a period of time in which the user is making a purchasing decision, the computer-implemented method comprising:
receiving, via a processor of a notification system, an indication that a web browser of a user system associated with the user is displaying a website page associated with a first vendor;
determining, via the processor of the notification system, that the user associated with the user system has a transaction intention at the website page associated with the first vendor with regard to a category of products;
in response to determining the transaction intention of the user with regard to the category of products:
determining, via the processor of the notification system, a purchase price of a transaction corresponding to the transaction intention of the user with the first vendor;
obtaining, via the processor of the notification system, alternative offer information by:
retrieving (i) vendor information associated with at least one vendor other than the first vendor that is associated with the category of products corresponding to the transaction intention of the user, and (ii) historical information associated with one or more of a rewards program or a membership that one or more of the user or the at least one vendor is enrolled in;
determining a transaction reward for fulfilling a transaction with the at least one vendor, based on the historical information; and
determining a purchase price of a transaction corresponding to the transaction intention of the user with the at least one vendor based on the transaction reward and the vendor information;
determining, via the processor of the notification system, a difference in price between the purchase price at the at least one vendor and the purchase price at the first vendor;
determining, based on historical user information associated with the user, a threshold difference in price at which one or more of (i) the user is likely to engage with the alternative offer information, or (ii) the alternative offer information is unlikely to raise an offer saturation level of the user to a saturation threshold of the user; and
determining, via the processor of the notification system, whether the difference in price exceeds the threshold difference in price; and
only in response to determining that the difference in price is above the threshold difference in price, causing, via the processor of the notification system, the user system to display, as a popup window laid over the website page in the web browser, a notification including the alternative offer information, during the period of time in which the user is making the purchasing decision, wherein the notification further includes a selectable item configured to cause the user system to access a website page associated with the at least one vendor, such that no popup window is caused to be displayed by the processor of the notification system in response to the difference in price not exceeding the threshold difference in price.