Methods and systems for selecting accounts and offers in payment transactions

This system manages mobile payment transactions. When a user makes a purchase with their phone at a store, the system receives the transaction details from the point-of-sale device. After the user logs in and is authenticated, it then determines a special offer for them based on the store's location and sends it to their phone for display.

Why it matters: Filed before advanced AI could easily personalize offers. The claims cover location-based offers, but the tools for generating highly relevant incentives have matured significantly since 2017.

Status: Not in forceListed as no longer active. The specific reason is not in the record we hold.
How hard to build: SpecializedServer infrastructure, software logic, mobile app integration

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