Preemptive offer and rewards caching on device to minimize network round trips

1. A method of reducing network round trips between a server and a mobile client device, the method comprising:

(a) the server determining a normal commerce range for a customer owner of the mobile client device;

(b) the server accessing map and commerce data to identify points of interest that fall within the normal commerce range;

(c) the server storing a library of the points of interest within the normal commerce range on the mobile client device;

(d) the server monitoring a broad geolocation of the mobile client device according to a low resolution geolocation boundary and identifying when the mobile client device is within the normal commerce range;

(f) when the mobile client device is within the normal commerce range according to the low resolution boundary, the server identifying a detailed geolocation of the mobile client device according to a high resolution geolocation; and

(g) the server identifying relevant points of interest based on the detailed geolocation of the mobile client device and presenting the relevant points of interest from the library of the points of interest within the normal commerce range stored on the mobile client device.

2. A method according to claim 1 , wherein step (a) is practiced by monitoring customer commerce transactions.

3. A method according to claim 2 , wherein monitoring customer commerce transactions is performed by monitoring customer debit card use.

4. A method according to claim 1 , wherein the low resolution boundary corresponds to an area, and wherein the high resolution geolocation corresponds to a specific point or address.

5. A method according to claim 1 , wherein step (b) is practiced by identifying points of interest that fall within the normal commerce range plus a predefined margin.

6. A method according to claim 1 , wherein step (d) is practiced by monitoring customer commerce transactions.

7. A method according to claim 1 , wherein step (f) is practiced by the server activating a GPS unit on the mobile client device.

8. A computer system for reducing network round trips between a server and a mobile client device, the computer system comprising:

a server computer including a processor, a memory, and communication hardware for interacting with the mobile client device, wherein the server computer is programmed to:

determine a normal commerce range for a customer owner of the mobile client device,

access map and commerce data to identify points of interest that fall within the normal commerce range,

store a library of the points of interest within the normal commerce range on the mobile client device,

monitor a broad geolocation of the mobile client device according to a low resolution geolocation boundary and identify when the mobile client device is within the normal commerce range,

identify a detailed geolocation of the mobile client device according to a high resolution geolocation when the mobile client device is within the normal commerce range according to the low resolution boundary, and

identify relevant points of interest based on the detailed geolocation of the mobile client device and present the relevant points of interest from the library of the points of interest within the normal commerce range stored on the mobile client device.

9. A computer system according to claim 8 , wherein the server computer determines the normal commerce range by monitoring customer commerce transactions.

10. A computer system according to claim 8 , wherein the low resolution geolocation boundary corresponds to an area, and wherein the high resolution geolocation corresponds to a specific point of address.

11. A computer system according to claim 8 , wherein the server computer accesses the map and commerce data by identifying points of interest that fall within the normal commerce range plus a predefined margin.

12. A computer system according to claim 8 , wherein the server computer monitors the broad geolocation of the mobile client device by monitoring customer commerce transactions.

13. A computer system according to claim 8 , wherein the server computer identifies the detailed geolocation of the mobile client device by activating a GPS unit on the mobile client device.

14. A method of improving operation of a mobile client device by reducing network round trips between a server and the mobile client device, the method comprising:

(a) the server storing a library of points of interest according to a normal commerce range for a customer owner of the mobile client device;

(b) the server determining when the mobile client device is within the normal commerce range;

(c) the server identifying relevant points of interest based on a detailed geolocation of the mobile client device; and

(d) the server presenting the relevant points of interest from the library of the points of interest according to the normal commerce range for the customer owner of the mobile client device stored on the mobile client device.

15. A method according to claim 14 , further comprising, prior to step (a), the server determining a normal commerce range for the customer owner of the mobile client device by monitoring customer transactions.

16. A method according to claim 15 , further comprising the server accessing map and commerce data to identify the points of interest that fall within the normal commerce range.

17. A method according to claim 14 , wherein step (b) is practiced by monitoring a broad geolocation of the mobile client device according to a low resolution geolocation boundary.

18. A method according to claim 14 , further comprising, prior to step (c), the server identifying a detailed geolocation of the mobile client device according to a high resolution geolocation when the mobile client device is within the normal commerce range according to the low resolution boundary.

19. A method according to claim 18 , wherein the step of identifying the detailed geolocation of the mobile client device is practiced by the server activating a GPS unit on the mobile client device.