Systems and methods for points-of-sale transactions and custom content

Abstract

A system may receive a request for user data associated with a user account, transmit the user data in response to the request, and receive an authorization request for a transaction from a merchant device. The authorization request may include transaction data and an item identifier. The system may also approve the transaction in response to a user account having sufficient funds available and store the transaction data and the item identifier in association with the user account.

What is claimed is: 
     
         1 . A method comprising:
 receiving, by a server, a request for user data associated with a user account;   transmitting, by the server, the user data to a merchant device in response to the request for the user data;   receiving, by the server, an authorization request for a transaction from the merchant device, wherein the authorization request includes transaction data and an item identifier;   approving, by the server, the transaction in response to the user account having sufficient funds available; and   storing, by the server, the transaction data and the item identifier associated with the user account.   
     
     
         2 . The method of  claim 1 , wherein e item identifier includes a stock keeping unit (SKU). 
     
     
         3 . The method of  claim 2 , wherein the request for the user data comprises an application programming interface (API) call. 
     
     
         4 . The method of  claim 3 , wherein the user account is an argument in the API call. 
     
     
         5 . The method of  claim 4 , wherein the server stores the transaction data and the item identifier in a ledger. 
     
     
         6 . The method of  claim 5 , wherein the ledger is stored in a database with the user account as a key. 
     
     
         7 . The method of  claim 5 , wherein the ledger comprises entries for user accounts and merchant accounts payable. 
     
     
         8 . A method comprising:
 detecting, by a merchant device, a user device within a predetermined distance of the merchant device;   transmitting, by the merchant device, a request for user data associated with the user device;   generating, by the merchant device, content based at least partially on the user data associated with the user device, wherein the user data comprises a first item identifier;   transmitting, by the merchant device, the content to the user device; and   transmitting, by the merchant device, an authorization request to a server, wherein the authorization request includes transaction data.   
     
     
         9 . The method of  claim 8 , wherein the first item identifier comprises a SKU associated with a previous transaction of the user device. 
     
     
         10 . The method of  claim 8 , wherein the authorization request includes a second item identifier. 
     
     
         11 . The method of  claim 8 , wherein the detecting the user device includes detecting, by the merchant device, a BLE broadcast from the user device. 
     
     
         12 . The method of  claim 8 , wherein the content includes an offer generated based at least partially on the first item identifier. 
     
     
         13 . The method of  claim 8 , further comprising broadcasting, by a BLE beacon in communication with the merchant device, a UUID for communication with the user device. 
     
     
         14 . A computer-based system, comprising:
 a processor;   a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:   receiving, by a server, a request for user data associated with a user account;   transmitting, by the server, the user data to a merchant device in response to the request for the user data;   receiving, by the server, an authorization request for a transaction from the merchant device, wherein the authorization request includes transaction data and an item identifier;   approving, by the server, the transaction in response to the user account having sufficient funds available; and   storing, by the server, the transaction data and the item identifier associated with the user account.   
     
     
         15 . The computer-based system of  claim 14 , wherein the item identifier includes a stock keeping unit (SKU). 
     
     
         16 . The computer-based system of  claim 15 , wherein the request for the user data comprises an application programming interface (API) call. 
     
     
         17 . The computer-based system of  claim 16 , wherein the user account is an argument in the API call. 
     
     
         18 . The computer-based system of  claim 17 , wherein the server stores the transaction data and the item identifier in a ledger. 
     
     
         19 . The computer-based system of  claim 18 , wherein the ledger is stored in a database with the user account as a key. 
     
     
         20 . The computer-based system of  claim 18 , wherein the ledger comprises entries for user accounts and merchant accounts payable.