US 12,067,604 B1
Systems and methods for on demand and location-based messaging
Uma Meyyappan, Fremont, CA (US); and Bipin Sahni, Pleasanton, CA (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Oct. 7, 2022, as Appl. No. 17/962,386.
Application 16/193,197 is a division of application No. 14/990,099, filed on Jan. 7, 2016, abandoned.
Application 17/962,386 is a continuation of application No. 16/193,197, filed on Nov. 16, 2018, granted, now 11,468,485.
Claims priority of provisional application 62/101,790, filed on Jan. 9, 2015.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/00 (2023.01); G06Q 30/0601 (2023.01); G06Q 50/00 (2012.01); H04L 51/52 (2022.01); H04L 67/50 (2022.01); H04L 67/52 (2022.01)
CPC G06Q 30/0611 (2013.01) [G06Q 50/01 (2013.01); H04L 51/52 (2022.05); H04L 67/52 (2022.05); H04L 67/535 (2022.05)] 19 Claims
OG exemplary drawing
 
12. A method comprising:
receiving, by a first computing system via a network interface configured to communicate with a user device associated with a user and a merchant computing system associated with a merchant, user location information of the user device, wherein the user location information identifies a first position of the user device;
determining, by the first computing system, that the first position of the user device is in proximity to the merchant;
establishing, based on the user device being in proximity to the merchant, by the first computing system, chat communications between the user device and the merchant computing system, wherein establishing the chat communications causes the merchant computing system to send, via the first computing system, a chat message containing an offer from the merchant computing system to the user device, the offer relating to a product or service of the merchant;
receiving, by the first computing system, updated user location information of the user device, wherein the updated user location information identifies a second position of the user device;
determining, by the first computing system, whether the second position of the user device is in proximity to the merchant;
responsive to determining, based on the second position of the user device, that the user device is not in proximity to the merchant, disabling, by the first computing system, the chat communications between the user device and the merchant computing system to prevent the merchant computing system from sending a second chat message to the user device via the first computing system; responsive to determining, based on the second position of the user device, that the user device remains in proximity to the merchant:
receiving, by the first computing system, from the user device, an acceptance of the offer contained in the chat message transmitted by the merchant computing system via the first computing system;
generating, by the first computing system, responsive to the acceptance, a transaction code that allows the user to claim the product or service from the merchant associated with the offer; and
transmitting, by the first computing system, the transaction code to the user device.