Systems And Methods For Dynamically Generating Loyalty Program Communications Based On A Monitored Physiological State

Abstract

A method of dynamically generating loyalty program communications based on a monitored physiological state includes: monitoring, with at least one processor, input data detected with at least one sensor coupled to an electronic device associated with a member profile; based on the monitored input data, for one or more of the at least one sensor, generating a baseline sensor input level associated with a baseline physiological state for the member profile; upon detection of a deviation of the monitored input data for one or more of the at least one sensor from the baseline sensor input level, identifying a non-baseline physiological state for the member profile; and based on the identified non-baseline physiological state, generating signals for communicating a loyalty program communication to the electronic device associated with the member profile.

1 . A method comprising:
 monitoring input data detected with at least one sensor in physiological communication with a member and coupled to a smartphone associated with a member profile;   receiving, by a transaction processing system, transaction data relating to a plurality of commercial transactions conducted by a plurality of members and merchants conducting commercial transactions using the transaction processing system, wherein the transaction processing system is coupled to a payment processing system;   receiving, by the transaction processing system, transaction information relating to the received transaction data for a commercial transaction between one said member and one said merchant;   based on the monitored input data, for one or more of the at least one sensor, generating a baseline sensor input level associated with a baseline physiological state for the member profile corresponding to the one said member;   upon detection of a deviation of the monitored input data for one or more of the at least one sensor from the baseline sensor input level, identifying a non-baseline physiological state for the member profile corresponding to the one said member;   determining whether the commercial transaction occurred within a defined time period of the deviation of the monitored input data for one or more of the at least one sensor from the baseline sensor input level;   and   if the determination is in the affirmative, then generating signals, based on the identified non-baseline physiological state, for communicating a transaction-based loyalty program communication to the smartphone associated with the member profile corresponding to the one said member.   
     
     
         2 . The method of  claim 1 , wherein the transaction-based loyalty program communication includes an incentive defining a benefit provided by the one said merchant to a charity. 
     
     
         3 . The method of  claim 2 , wherein the incentive is a percentage of the amount of the transaction given as a donation by the one said merchant to the charity. 
     
     
         4 . The method of  claim 1 , further comprising identifying a location associated with the smartphone, wherein the generating of the signals for communicating is for a location-based loyalty program communication based on the identified non-baseline physiological state;
 and   if the location associated with the smartphone is within a defined proximity of a merchant location;   then the location-based loyalty program communication includes data associated with a promotion generated based on the identified non-baseline physiological state.   
     
     
         5 . The method of  claim 1 , further comprising:
 identifying from the monitored input data, aggravating environmental factors;   adjusting the monitored input data based on the aggravating environmental factors; and   detecting a deviation of the adjusted monitored input data for one or more of the at least one sensor from the baseline sensor input level.   
     
     
         6 . The method of  claim 1 , wherein if the identified non-baseline physiological state is a negative physiological state, then the generating of the signals for communicating is for a rescue loyalty program communication. 
     
     
         7 . The method of  claim 1 , further comprising: wherein the identified non-baseline physiological state is a negative physiological state, and the generating of the signals for communicating is for a reinforcement loyalty program communication. 
     
     
         8 . The method of  claim 1 , wherein the defined time period is based on a transaction category identifier included in the transaction data 
     
     
         9 . The method of  claim 1 , further comprising:
 identifying, based on the monitoring of the baseline physiological state and the non-baseline physiological states, a loyalty program activity associated with a non-baseline physiological state,   and   storing a class of loyalty program activity associated with the non-baseline physiological state in the member profile corresponding to the one said member.   
     
     
         10 . The method of  claim 1 , wherein monitoring the input data detected with the at least one sensor includes monitoring at least one of: video data, image data, voice data, heart rate data, body temperature data, brain activity data, perspiration data, blood pressure data, blood-sugar data, and touch screen force data. 
     
     
         11 . A system comprising at least one processor configured for:
 monitoring input data detected with at least one sensor in physiological communication with a member and coupled to a smartphone associated with a member profile;   receiving, by a transaction processing system, transaction data relating to a plurality of commercial transactions conducted by a plurality of members and merchants conducting commercial transactions using the transaction processing system, wherein the transaction processing system is coupled to a payment processing system;   receiving, by the transaction processing system, transaction information relating to the received transaction data for a commercial transaction between one said member and one said merchant;   based on the monitored input data, for one or more of the at least one sensor, generating a baseline sensor input level associated with a baseline physiological state for the member profile corresponding to the one said member;   upon detection of a deviation of the monitored input data for one or more of the at least one sensor from the baseline sensor input level, identifying a non-baseline physiological state for the member profile corresponding to the one said member;   determining whether the commercial transaction occurred within a defined time period of the deviation of the monitored input data for one or more of the at least one sensor from the baseline sensor input level;   and   if the determination is in the affirmative, then generating signals, based on the identified non-baseline physiological state, for communicating a transaction-based loyalty program communication to the smartphone associated with the member profile corresponding to the one said member.   
     
     
         12 . The system of  claim 11 , wherein the transaction-based loyalty program communication includes an incentive defining a benefit provided by the one said merchant to a charity. 
     
     
         13 . The system of  claim 12 , wherein the incentive is a percentage of the amount of the transaction given as a donation by the one said merchant to the charity. 
     
     
         14 . The system of  claim 11 , further comprising the at least one processor identifying a location associated with the smartphone, wherein the generating of the signals for communicating is for a location-based loyalty program communication based on the identified non-baseline physiological state;
 and   if the location associated with the smartphone is within a defined proximity of a merchant location;   then the location-based loyalty program communication includes data associated with a promotion generated based on the identified non-baseline physiological state.   
     
     
         15 . The system of  claim 11 , further comprising the at least one processor:
 identifying from the monitored input data, aggravating environmental factors;   adjusting the monitored input data based on the aggravating environmental factors; and   detecting a deviation of the adjusted monitored input data for one or more of the at least one sensor from the baseline sensor input level.   
     
     
         16 . The system of  claim 11 , wherein if the identified non-baseline physiological state is a negative physiological state, then the generating of the signals for communicating is for a rescue loyalty program communication. 
     
     
         17 . The system of  claim 11 , wherein if the identified non-baseline physiological state is a negative physiological state, then the generating of the signals for communicating is for a reinforcement loyalty program communication. 
     
     
         18 . The system of  claim 11 , further comprising the at least one processor:
 identifying, based on the monitoring of the baseline physiological state and the non-baseline physiological states, a loyalty program activity associated with a non-baseline physiological state,   and   storing a class of loyalty program activity associated with the non-baseline physiological state in the member profile corresponding to the one said member.   
     
     
         19 . The system of  claim 11 , wherein monitoring the input data detected with the at least one sensor includes monitoring at least one of: video data, image data, voice data, heart rate data, body temperature data, brain activity data, perspiration data, blood pressure data, blood-sugar data, and touch screen force data. 
     
     
         20 . A non-transitory computer-readable medium or media having stored thereon computer interpretable instructions which when executed by at least one processor, configure the at least one processor for:
 monitoring input data detected with at least one sensor in physiological communication with a member and coupled to a smartphone associated with a member profile;   receiving, by a transaction processing system, transaction data relating to a plurality of commercial transactions conducted by a plurality of members and merchants conducting commercial transactions using the transaction processing system, wherein the transaction processing system is coupled to a payment processing system;   receiving, by the transaction processing system, transaction information relating to the received transaction data for a commercial transaction between one said member and one said merchant;   based on the monitored input data, for one or more of the at least one sensor, generating a baseline sensor input level associated with a baseline physiological state for the member profile corresponding to the one said member;   upon detection of a deviation of the monitored input data for one or more of the at least one sensor from the baseline sensor input level, identifying a non-baseline physiological state for the member profile corresponding to the one said member;   determining whether the commercial transaction occurred within a defined time period of the deviation of the monitored input data for one or more of the at least one sensor from the baseline sensor input level;   and   if the determination is in the affirmative, then generating signals, based on the identified non-baseline physiological state, for communicating a transaction-based loyalty program communication to the smartphone associated with the member profile corresponding to the one said member.