IP Library Granted Patent US 11,676,116
Granted Patent B1
US 11,676,116 · App. 17/714,832 · Granted Jun 13, 2023

Tandem purchasing and incentivized shopping

Inventor: Chris Kalaboukis (San Jose, CA)
Assignee: Wells Fargo Bank, N.A.
G06Q20/10H04L67/02H04L67/52G06Q50/01
View Patent ↗
Loading inventors, assignments & file history…
Monitor This Case
Get email alerts when status or documents change.
Order Certified Copies
Most orders are placed with the USPTO same day — all within 24 business hours.
Order via The Patent Place →
Pre-filled with this patent's details
Quick Facts
Patent No.
US 11,676,116
App. No.
17/714,832
Granted
Jun 13, 2023
Kind
B1
Abstract

Tandem transactions facilitated through automatic application of a tandem transaction limit are provided. A system includes a group manager that identifies a group including respective identifications indicative of a first user and a second user. A transaction limit manager establishes a first transaction limit for the first user, a second transaction limit for the second user, and a third transaction limit for a combination of the first and second user. A transaction manager dynamically applies the third transaction limit based on a determination that the first and second user are performing a joint transaction. The transaction manager revokes the third transaction limit after a threshold time and applies the first transaction limit to first user transactions and the second transaction limit to second user transactions. Incentives are provided if a user remains at a location for a threshold amount of time or causes other users to visit the location.

Claims (39)

1. A method, comprising:

receiving, by a system comprising a processor, an indication that a device associated with a first user has entered a defined geographic area;

outputting, by the system, a first incentive to the first user through the device, wherein the first incentive includes details related to a first action that results in a second incentive;

providing, by the system, the second incentive to the first user based on a determination that the first action has been satisfied;

determining, by the system and based on a current location of the first user, a second user identified as being related to the first user;

receiving, by the system, a second indication that another device associated with a second user has entered the defined geographic area within a predetermined amount of time; and

in response to receiving the second indication, providing, by the system, a third incentive to the first user.

2. The method of claim 1 , wherein the current location of the first user is determined based in part on data received from a social network application.

3. The method of claim 1 , further comprising determining a location of the second user based in part on data received from a social network application.

4. The method of claim 1 , wherein the first action relates to one of a temporal aspect or a social aspect.

5. The method of claim 4 , wherein the temporal aspect is the first user passing a temporal threshold while within the defined geographic area.

6. The method of claim 1 , wherein the first incentive is a monetary reward associated with the defined geographic area.

7. The method of claim 6 , wherein the second incentive is a monetary reward associated with the defined geographic area.

8. The method of claim 7 , wherein the second incentive is greater than the first incentive.

9. The method of claim 8 , wherein the third incentive is greater than both the first incentive and the second incentive.

10. A system, comprising:

a processor configured to:

receive an indication that a device associated with a first user has entered a defined geographic area;

output a first incentive to the first user through the device, wherein the first incentive includes details related to a first action that results in a second incentive;

provide the second incentive to the first user based on a determination that the first action has been satisfied;

determine, based in part on a current location of the first user, a second user identified as being related to the first user;

receive a second indication that another device associated with a second user has entered the defined geographic area within a predetermined amount of time; and

in response to receiving the second indication, provide a third incentive to the first user.

11. The system of claim 10 , wherein the current location of the first user is determined based in part on data received from a social network application.

12. The system of claim 10 , further comprising determining a location of the second user based in part on data received from a social network application.

13. The system of claim 10 , wherein the first action relates to one of a temporal aspect or a social aspect.

14. The system of claim 13 , wherein the temporal aspect is the first user passing a temporal threshold while within the defined geographic area.

15. The system of claim 10 , wherein the first incentive is a monetary reward associated with the defined geographic area.

16. The system of claim 15 , wherein the second incentive is a monetary reward associated with the defined geographic area.

17. The system of claim 16 , wherein the second incentive is greater than the first incentive.

18. The system of claim 17 , wherein the third incentive is greater than both the first incentive and the second incentive.

19. A non-transitory computer readable medium comprising program code that when executed by one or more processors is configured to cause the one or more processors to:

receive an indication that a device associated with a first user has entered a defined geographic area;

output a first incentive to the first user through the device, wherein the first incentive includes details related to a first action that results in a second incentive;

provide the second incentive to the first user based on a determination that the first action has been satisfied;

determine, based in part on a current location of the first user, a second user identified as being related to the first user;

receive a second indication that another device associated with a second user has entered the defined geographic area within a predetermined amount of time; and

in response to receiving the second indication, provide a third incentive to the first user.

20. The non-transitory computer readable medium of claim 19 , wherein the current location of the first user is determined based in part on data received from a social network application.

Assignments (2)
ADDRESS CHANGE Recorded Jun 2, 2025
From: WELLS FARGO BANK, N.A.
To: WELLS FARGO BANK, N.A.
Reel/Frame 071769/0143 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Apr 6, 2022
From: KALABOUKIS, CHRIS
To: WELLS FARGO BANK, N.A.
Reel/Frame 059645/0235 →
Continuity (2)
Continuation 16746396 · Jan 17, 2020
Continuation 15139794 · Apr 27, 2016