System for providing offers using a billing statement

Abstract

A billing statement according to one aspect of the invention includes a description of a transaction and an offer pointer associated with the transaction, wherein the offer pointer includes information that may be used to review an offer. In one example of this aspect, a telephone number or a hyperlink is provided adjacent to a total amount owed listed on a statement (e.g., an electronically-displayed billing statement). The offers reviewed may be customized, for example, based on details of the transaction such as the product purchased or the amount of the purchase, the identity of the consumer, and/or on other data.

What is claimed is: 
     
         1 . A system, comprising:
 a memory storing information about customer accounts; and   one or more processors in communication with the memory and configured for receiving location information of a consumer mobile device;
 determining an offer based on the location information; 
 transmitting the offer electronically to the consumer mobile device; 
 receiving a counteroffer from the consumer mobile device; and 
 processing the counteroffer. 
   
     
     
         2 . The system of  claim 1 , wherein the processing comprises rejecting the counteroffer. 
     
     
         3 . The system of  claim 1 , wherein the processing comprises accepting the counteroffer. 
     
     
         4 . The system of  claim 1 , wherein the processing comprises presenting a second offer based on the first offer electronically on the consumer mobile device. 
     
     
         5 . The system of  claim 1 , wherein the one or more processors is configured for further transmitting a plurality of offers to the consumer mobile device for a consumer to select from. 
     
     
         6 . The system of  claim 1 , wherein the offer is presented on an electronic billing statement or invoice on the consumer mobile device. 
     
     
         7 . The system of  claim 4 , wherein the second offer is presented on an electronic billing statement or invoice on the consumer mobile device. 
     
     
         8 . 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 location information of a consumer mobile device;   determining an offer based on the location information;   transmitting the offer electronically to the consumer mobile device;   receiving a counteroffer from the consumer mobile device; and   processing the counteroffer.   
     
     
         9 . The non-transitory machine-readable medium of  claim 8 , wherein the processing comprises rejecting the counteroffer. 
     
     
         10 . The non-transitory machine-readable medium of  claim 8 , wherein the processing comprises accepting the counteroffer. 
     
     
         11 . The non-transitory machine-readable medium of  claim 8 , wherein the processing comprises presenting a second offer based on the first offer electronically on the consumer mobile device. 
     
     
         12 . The non-transitory machine-readable medium of  claim 8 , wherein the method further comprises transmitting a plurality of offers to the consumer mobile device for a consumer to select from. 
     
     
         13 . The non-transitory machine-readable medium of  claim 8 , wherein the offer is presented on an electronic billing statement or invoice on the consumer mobile device. 
     
     
         14 . The non-transitory machine-readable medium of  claim 11 , wherein the second offer is presented on an electronic billing statement or invoice on the consumer device. 
     
     
         15 . A method, comprising:
 receiving location information of a consumer mobile device;   determining, electronically by a hardware processor of a service provider, an offer based on the location information;   transmitting the offer electronically to the consumer mobile device;   receiving a counteroffer from the consumer mobile device; and   processing the counteroffer.   
     
     
         16 . The method of  claim 15 , wherein the processing comprises rejecting the counteroffer. 
     
     
         17 . The method of  claim 15 , wherein the processing comprises accepting the counteroffer. 
     
     
         18 . The method of  claim 15 , wherein the processing comprises presenting a second offer based on the first offer electronically on the consumer mobile device. 
     
     
         19 . The method of  claim 15 , further comprising transmitting a plurality of offers to the consumer mobile device for a consumer to select from. 
     
     
         20 . The method of  claim 15 , wherein the offer is presented on an electronic billing statement or invoice on the consumer mobile device. 
     
     
         21 . The method of  claim 18 , wherein the second offer is presented on an electronic billing statement or invoice on the consumer mobile device.