BILLING STATEMENT CUSTOMER ACQUISITION SYSTEM
Some described embodiments provide for selecting (e.g., by a server computer from a plurality of transaction records), a transaction record associated with a financial account of an account holder. In one example, the transaction record includes an indication of an amount due, by the account holder, for a previous purchase completed by the account holder with a first merchant. Some embodiments provide further for generating a billing statement for the account holder, the billing statement including an indication of the amount due by the account holder for the previous completed purchase and an indication of an acquisition offer, in which the acquisition offer comprises a promise from a second merchant to pay at least a portion of the amount due by the account holder, and transmitting the billing statement to the account holder.
1 . A system, comprising:
a memory storing information about consumer accounts, wherein the information comprises a consumer rating or characteristic and an account identifier; and
one or more processors configured for
receiving information about a purchase transaction between a consumer and a merchant;
generating an offer for the consumer based, at least in part, on a rating of the consumer, wherein the rating is based, at least in part, on a frequency with which the consumer transacts with the merchant; and
transmitting the offer electronically to a device.
2 . The system of claim 1 , wherein device is a merchant device.
3 . The system of claim 1 , wherein device is a consumer device.
4 . The system of claim 1 , wherein the offer provides the consumer an option to postpone a due date for the consumer to make a payment for the purchase transaction.
5 . The system of claim 1 , wherein the offer provides the consumer an option to extend a grace period for the consumer to make a payment without incurring additional charges for the purchase transaction.
6 . The system of claim 1 , wherein the offer is based on consumer value.
7 . The system of claim 1 , wherein the offer is based on a credit rating.
8 . The system of claim 1 , wherein the offer is based on credit history.
9 . The system of claim 1 , wherein the offer is based on a number of friends the consumer brings to the merchant.
10 . The system of claim 1 , wherein the offer is based on a type of purchase.
11 . The system of claim 1 , wherein the offer is based on one or more previously accepted offers.
12 . The system of claim 1 , wherein the offer is based on a time or date of the purchase transaction.
13 . The system of claim 1 , wherein the offer requires an obligation from the consumer.
14 . The system of claim 1 , wherein the offer comprises providing a product or service to the consumer.
15 . The system of claim 1 , wherein the offer requires the user to spend a minimum dollar amount with an entity in exchange for the entity paying an amount owed by the user.
16 . The system of claim 1 , wherein the one or more processors are configured for further receiving an acceptance of the offer and notifying a benefactor of the offer.
17 . A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a server are adapted to cause the server to perform a method comprising:
receiving information about a purchase transaction between a consumer and a merchant;
generating an offer for the consumer based, at least in part, on a rating of the consumer, wherein the rating is based, at least in part, on a frequency with which the consumer transacts with the merchant; and
transmitting the offer electronically to a device.
18 . The non-transitory machine-readable medium of claim 17 , wherein the offer requires the user to spend a minimum dollar amount with an entity in exchange for the entity paying an amount owed by the user.
19 . The non-transitory machine-readable medium of claim 17 , wherein the offer provides the consumer an option to postpone a due date for the consumer to make a payment for the purchase transaction.
20 . The non-transitory machine-readable medium of claim 17 , wherein the offer provides the consumer an option to extend a grace period for the consumer to make a payment without incurring additional charges for the purchase transaction.
21 . A method, comprising:
receiving, electronically by a hardware processor of a service provider, information about a purchase transaction between a consumer and a merchant;
generating, electronically by the hardware processor, an offer for the consumer based, at least in part, on a rating of the consumer, wherein the rating is based, at least in part, on a frequency with which the consumer transacts with the merchant; and
transmitting the offer electronically to a device.