IP Library Granted Patent US 10,410,195
Granted Patent B2
US 10,410,195 · App. 15/900,312 · Granted Sep 10, 2019

Systems and methods for managing electronic tip recommendations on mobile devices

Inventors: Michelle Olenoski (Washington, DC); Latha Shah (Glen Allen, VA)
Assignee: Capital One Services, LLC
G06Q20/14G06N20/00G06Q20/0453G06Q20/102G06Q20/12G06Q20/32G06Q50/12G06Q20/341G06Q30/018
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Quick Facts
Patent No.
US 10,410,195
App. No.
15/900,312
Granted
Sep 10, 2019
Kind
B2
Abstract

The disclosed embodiments provide systems, methods, and techniques for managing merchandising cards. A merchandising card may be, for example, a gift card, loyalty card, or the like. Consistent disclosed embodiments, a system for managing merchandising cards may include one or more memory devices storing instructions and one or more processors configured to acquire, from a device over a network, a plurality of locations associated with the device, the device locations being acquired at different instances in time within a predetermined period of time. Additionally, the processor may be configured to calculate a merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the merchant confidence rating, determine that the merchant matches a merchant that is associated with merchandising card, and send a reminder a user of the device.

Claims (61)

1. A user device for providing a tip recommendation, the user device comprising:

a camera;

a display;

one or more memory devices storing instructions; and

one or more processors configured to execute the stored instructions to:

capture, by the camera, an image associated with a receipt from a merchant;

display the image on the display;

determine, by performing image processing on the image, a merchant detail and a plurality of transaction details that are visually depicted on the receipt;

determine, based on the merchant detail, whether it is customary that tips are accepted by the merchant; and

if it is determined that it is customary that tips are accepted by the merchant:

determine a default tip parameter based on a characteristic;

determine a tip recommendation based on the default tip parameter and at least one of the transaction details; and

modify the displayed image to include the tip recommendation.

2. The user device of claim 1 , wherein the one or more processors are further configured to execute instructions to:

receive a request to change the tip recommendation based on a customer input, the request comprising a new tip recommendation; and

modify the displayed image by replacing the tip recommendation with the new tip recommendation.

3. The user device of claim 1 , wherein the characteristic is a tip percentage defined by a customer setting.

4. The user device of claim 1 , wherein the one or more processors are further configured to execute instructions to:

determine the characteristic based on historical tipping data of the customer.

5. The user device of claim 1 , wherein the one or more processors are further configured to execute instructions to:

determine the characteristic based on historical tipping data of the merchant.

6. The user device of claim 1 , wherein the one or more processors are further configured to execute instructions to:

determine the default tip parameter based on a machine learning algorithm, the machine learning algorithm being configured to receive as inputs at least one of historical tipping data of the customer, historical tipping data of the merchant, or a date of the transaction.

7. The user device of claim 1 , wherein the one or more processors are further configured to execute instructions to:

overlay the tip recommendation onto the image associated with the receipt.

8. The user device of claim 1 , wherein the one or more processors are further configured to execute instructions to:

determine the merchant detail and the transaction details according to a predetermined receipt format.

9. The user device of claim 8 , wherein the receipt format-defines specific areas where the transaction details occur.

10. The user device of claim 1 , wherein the one or more processors are further configured to execute instructions to:

save the tip recommendation.

11. An electronic system for providing a tip recommendation, the electronic system comprising:

one or more memory devices storing instructions; and

an electronic device in communication with the one or more memory devices, the electronic device comprising:

a display;

a camera positioned to view at least a part of a receipt from a merchant; and

one or more processors configured to execute the stored instructions to:

acquire data from the camera, the data being associated with an image of the receipt;

display the data on the display;

determine, by performing image processing on the image, a merchant detail and a plurality of transaction details that are visually depicted on the receipt;

determine, based on the merchant detail, whether it is customary that tips are accepted by the merchant; and

if it is determined that it is customary that tips are accepted by the merchant:

determine a default tip parameter based on a characteristic;

determine a tip recommendation based on the default tip parameter and at least one of the transaction details; and

update the displayed data to include the tip recommendation.

12. The electronic system of claim 11 , wherein the one or more processors are further configured to execute instructions to:

receive a request to change the tip recommendation based on a customer input, the request comprising a new tip recommendation; and

update the displayed data by replacing the tip recommendation with the new tip recommendation.

13. The electronic system of claim 11 , wherein the characteristic is a tip percentage defined by a customer setting.

14. The electronic system of claim 11 , wherein the one or more processors are further configured to execute instructions to:

determine the characteristic based on historical tipping data of the customer.

15. The electronic system of claim 11 , wherein the one or more processors are further configured to execute instructions to:

determine the characteristic based on historical tipping data of the merchant.

16. The electronic system of claim 11 , wherein the one or more processors are further configured to execute instructions to:

determine the default tip parameter based on a machine learning algorithm, the machine learning algorithm being configured to receive at least one of historical tipping data of the customer, historical tipping data of the merchant, or a date of the transaction.

17. The electronic system of claim 11 , wherein the one or more processors are further configured to execute instructions to:

determine the merchant detail and the transaction details according to a predetermined receipt format.

18. The electronic system of claim 17 , wherein the receipt format defines specific areas for the transaction details.

19. The electronic system of claim 11 , wherein the one or more processors are further configured to execute instructions to:

store the tip recommendation.

20. The electronic system of claim 11 , wherein the one or more processors are further configured to execute instructions to:

receive a final transaction amount from the merchant, wherein the final transaction amount comprises a final tip amount.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Feb 20, 2018
From: OLENOSKI, MICHELLE; SHAH, LATHA
To: CAPITAL ONE SERVICES LLC
Reel/Frame 044980/0633 →
Continuity (2)
Continuation 15874676 · Jan 18, 2018
Related Publication 20190220838A1 · Jul 18, 2019