Context-Based Electronic Offer Communication System
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Solution Overview
Problem
Traditional marketing campaigns for credit card offers require manual intervention, which is time-consuming and labor-intensive, especially in targeting potential customers at specific events or locations.
Innovation Solution
A system that uses contextual information from mobile devices to provide customized electronic offers by analyzing location data, user requirements, and financial information, automatically populating application credentials if necessary, to offer relevant credit card products based on user context.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If manual targeting processes are used to provide credit card offers to potential customers, then personalized service and customer interaction can be achieved, but time consumption and labor intensity increase significantly
Solution Approach 1:
The system enables automated self-service by using mobile device sensors and contextual data to automatically identify potential customers, generate personalized offers, and deliver them through digital channels without requiring manual marketing representative intervention
Solution Approach 2:
The patent replaces the mechanical manual process of marketing representatives physically approaching customers with an automated electronic system that uses sensor data, location information, and digital communication to deliver offers automatically
2Reliability
If comprehensive user data requirements are imposed for credit card approval, then risk assessment and eligibility verification improve, but application complexity and user burden increase
Solution Approach 1:
The system performs preliminary data collection and verification by automatically gathering user information from multiple sources before the application is submitted, pre-validating credentials and checking eligibility criteria to reduce the burden on users during the actual application process
Solution Approach 2:
The system uses a universal authentication mechanism that can verify multiple types of credentials (government-issued IDs, social security numbers, driver's licenses) through a single integrated process, eliminating the need for separate verification steps for each document type
Data Source
AI summary
The disclosed embodiments generally relate to systems, methods, and apparatus for dynamic context-based electronic offer communication. In one aspect, a computer server is disclosed, comprising: a hardware processor configured to execute instructions stored in a memory to: receive location data from a mobile device; determine a context of the mobile device based on the location data; generate a database query using the determined context; send the generated query to an events database; receive a conditional electronic offer from the events database; determine user data requirements based on the conditional electronic offer; send a request based on the user data requirements to a secure server; receive user data from the secure server; generate an electronic offer communication based on the conditional electronic offer when the user data received from the secure server meets the user data requirements; and send the electronic offer communication to the mobile device.