US 11,836,763 B1
Systems and methods for facilitating purchases
Marty Lee Mendivil, San Antonio, TX (US); Rickey Dale Burks, Boerne, TX (US); Charles Lee Oakes, III, Boerne, TX (US); Michael Patrick Bueche, Jr., San Antonio, TX (US); Christopher A. Jackson, San Antonio, TX (US); Margaret M. Tuschinski, San Antonio, TX (US); Craig Kincaid, Floresville, TX (US); Luke James Gradeless, San Antonio, TX (US); Elizabeth Jackson, Helotes, TX (US); and Stephen Basilotto, Simsbury, CT (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by United Services Automobile Association (USAA), San Antonio, TX (US)
Filed on Jul. 28, 2020, as Appl. No. 16/940,755.
Application 16/940,755 is a continuation of application No. 15/969,635, filed on May 2, 2018, granted, now 10,769,681.
Application 15/969,635 is a continuation of application No. 14/204,183, filed on Mar. 11, 2014, granted, now 10,032,193, issued on Jul. 24, 2018.
Claims priority of provisional application 61/777,474, filed on Mar. 12, 2013.
Int. Cl. G06Q 30/00 (2023.01); G06Q 30/0241 (2023.01)
CPC G06Q 30/0277 (2013.01) 20 Claims
OG exemplary drawing
 
1. A method, comprising:
publishing, by a purchasing facilitator platform, one or more items or services indicated by a user to one or more merchants participating in a reverse auction program, wherein the purchasing facilitator platform includes at least one processor,
wherein the purchasing facilitator platform interacts with at least one device associated with the one or more merchants and a user device associated with the user;
determining a user location of the user based on a device location of the user device;
receiving, from the at least one device associated with the one or more merchants, one or more offers for the one or more items or services based on a merchant location being within a proximity of the user location;
determining, by the purchasing facilitator platform, a total cost of each of the one or more offers to the user;
sending, to the user device, the one or more offers and the total cost of each of the one or more offers;
determining, by the purchasing facilitator platform, the user does not have funds to accept the one or more offers; and
in response to determining the user does not have funds, sending, to the user device, an offer for a line of credit to pay for all or a portion of the total cost of the one or more items or services.