Client-side use of customer preferences

Abstract

In one aspect, a method includes monitoring, at a processing component, online activities associated with a first account of a first user to identify first user preferences; monitoring, at the processing component, online activities associated with a second account of a second user to identify second user preferences; storing the first user preferences and the second user preferences in association with the first account and the second account at the processing component, respectively; customizing one or more product offerings to be offered to at least one third user associated with the second account based on the first user preferences and the second user preferences; and presenting the one or more product offerings to the at least one third user on a respective device of the at least one third user.

What is claimed is: 
     
         1 . A method comprising:
 monitoring, at a processing component, online activities associated with a first account of a first user to identify first user preferences;   monitoring, at the processing component, online activities associated with a second account of a second user to identify second user preferences;   storing the first user preferences and the second user preferences in association with the first account and the second account at the processing component, respectively;   customizing one or more product offerings to be offered to at least one third user associated with the second account based on the first user preferences and the second user preferences; and   presenting the one or more product offerings to the at least one third user on a respective device of the at least one third user.   
     
     
         2 . The method of  claim 1 , wherein the second user preferences are identified based on information on past transactions conducted using the respective device of the at least one third user. 
     
     
         3 . The method of  claim 2 , wherein the one or more of the past transactions were conducted with one or more merchants each having a respective account with the processing component. 
     
     
         4 . The method of  claim 1 , wherein the one or more product offerings are associated with at least one of the first user and the second user. 
     
     
         5 . The method of  claim 1 , wherein the first user preferences are based on at least a previous item preference of the first user identified as part of one or more transactions the first user was engaged in. 
     
     
         6 . The method of  claim 1 , further comprising:
 receiving a request to process a payment for at least one of the one or more product offerings; and   processing a payment for the at least one of the one or more product offerings via a payment application installed on the respective device of the at least one third user.   
     
     
         7 . A system comprising:
 memory having computer-readable instructions stored therein; and   one or more processors configured to execute the computer-readable instructions to:   monitor online activities associated with a first account of a first user to identify first user preferences;   monitor online activities associated with a second account of a second user to identify second user preferences;   store the first user preferences and the second user preferences in association with the first account and the second account, respectively;   customize one or more product offerings to be offered to at least one third user associated with the second account based on the first user preferences and the second user preferences; and   present the one or more product offerings to the at least one third user on a respective device of the at least one third user.   
     
     
         8 . The system of  claim 7 , wherein the second user preferences are identified based on information on past transactions conducted using the respective device of the at least one third user. 
     
     
         9 . The system of  claim 8 , wherein the one or more of the past transactions were conducted with one or more merchants each having a respective account with the system. 
     
     
         10 . The system of  claim 7 , wherein the one or more product offerings are associated with at least one of the first user and the second user. 
     
     
         11 . The system of  claim 7 , wherein the first user preferences are based on at least a previous item preference of the first user identified as part of one or more transactions the first user was engaged in. 
     
     
         12 . The system of  claim 7 , wherein the one or more processors are communicatively coupled to the first user device, a second user device of the second user, and the respective device of the at least one third user. 
     
     
         13 . The system of  claim 7 , wherein the one or more processors are further configured to execute the computer-readable instructions to:
 receive a request to process a payment for at least one of the one or more product offerings; and   process a payment for the at least one of the one or more product offerings via a payment application installed on the respective device of the at least one third user.   
     
     
         14 . One or more non-transitory computer-readable media comprising computer-readable instructions, which when executed by one or more processors of a system, cause the system to:
 monitor online activities associated with a first account of a first user to identify first user preferences;   monitor online activities associated with a second account of a second user to identify second user preferences;   store the first user preferences and the second user preferences in association with the first account and the second account, respectively;   customize one or more product offerings to be offered to at least one third user associated with the second account based on the first user preferences and the second user preferences; and   present the one or more product offerings to the at least one third user on a respective device of the at least one third user.   
     
     
         15 . The one or more non-transitory computer-readable media of  claim 14 , wherein the second user preferences are identified based on information on past transactions conducted using the respective device of the at least one third user. 
     
     
         16 . The one or more non-transitory computer-readable media of  claim 15 , wherein the one or more of the past transactions were conducted with one or more merchants each having a respective account with the system. 
     
     
         17 . The one or more non-transitory computer-readable media of  claim 14 , wherein the one or more product offerings are associated with at least one of the first user and the second user. 
     
     
         18 . The one or more non-transitory computer-readable media of  claim 14 , wherein the first user preferences are based on at least a previous item preference of the first user identified as part of one or more transactions the first user was engaged in. 
     
     
         19 . The one or more non-transitory computer-readable media of  claim 14 , wherein the one or more processors are communicatively coupled to the first user device, a second user device of the second user, and the respective device of the at least one third user. 
     
     
         20 . The one or more non-transitory computer-readable media of  claim 14 , wherein the execution of the computer-readable media by the one or more processors further cause the system to:
 receive a request to process a payment for at least one of the one or more product offerings; and   process a payment for the at least one of the one or more product offerings via a payment application installed on the respective device of the at least one third user.