Methods and devices for subscription offerings

Abstract

Methods and devices for subscription offerings are disclosed. The device determines a set of subscription-based applications stored on the device and for each of the subscription-based applications, determines a service type. The device then determines a first subscription service to offer the user of the device via a graphical user interface of the device. After receiving acceptance of the offer for the first subscription service from the user, the device automatically establishes a customer account for the first subscription service. Then, the device downloads a first subscription service application, generates login information for the customer account, and performs a login to the customer account with the login information.

1 . A user device comprising:
 a processor;   a plurality of applications;   a transceiver;   a screen comprising a first graphical user interface (GUI) and a second GUI; and   memory, in communication with the processor, the plurality of applications, the transceiver and the screen, and storing instructions that, when executed, cause the user device to: 
 determine, by the processor, a set of subscription-based applications from the plurality of applications, wherein each of the subscription-based applications includes service features and prices; 
 determine, by the processor, a service type for each of the applications in the set; 
 determine, by the processor, a first subscription service to offer a user of the user device; 
 display, on the first GUI, an offer for the first subscription service; 
 receive, at the first GUI, an acceptance of the offer for the first subscription service from the user; 
 establish, by the processor, a customer account with a server of a merchant associated with the first subscription service; 
 download, with the transceiver, a first subscription service application from the server; 
 generate, with the processor, login information for the customer account; and 
 login, with the processor, the user into the first subscription service application using the login information. 
   
     
     
         2 . The user device of  claim 1 , wherein the instructions, when executed, further cause the user device to:
 encrypt, with the processor, the login information in a hashed data type format; and   send, with the transceiver, the encrypted login information to a user address.   
     
     
         3 . The user device of  claim 1 , wherein the instructions, when executed, further cause the user device to:
 generate, with the processor, a first graph that illustrates service features and prices associated with the first subscription service; and   display, in the first GUI, the first graph as the offer.   
     
     
         4 . The user device of  claim 3 , wherein the instructions, when executed, further cause the user device to:
 compare, with the processor, the price of each of the subscription-based applications and the price of the first subscription service to identify any differences;   generate, with the processor, a second graph that highlights the differences; and   display, in the second GUI, the second graph.   
     
     
         5 . The user device of  claim 3 , wherein the instructions, when executed, further cause the user device to:
 compare, with the processor, the service features of each of the subscription-based applications and the price of the first subscription service to identify any differences;   generate, with the processor, a second graph that highlights the differences; and   display, in the second GUI, the second graph.   
     
     
         6 . The user device of  claim 1 , wherein determining the first subscription service to offer a user of the user device comprises selecting, by the processor, the first subscription based on a geographic region associated with the first subscription and the user. 
     
     
         7 . The user device of  claim 1 , wherein the instructions, when executed, further cause the user device to generate, with the processor, a first display on the first GUI that shows a discounted rate for the first subscription service based at least in part on a bundled package provided by a financial institution associated with one application of the plurality of applications. 
     
     
         8 . A method comprising:
 determining, by a processor of a user device, a set of subscription-based applications from a plurality of applications of the user device, wherein each of the subscription-based applications includes service features and prices;   determining, by the processor, a service type for each of the applications in the set;   determining, by the processor, a first subscription service to offer a user of the user device;   displaying, on a first graphical user interface (GUI) displayed on a screen of the user device, an offer for the first subscription service;   receiving, at the first GUI, an acceptance of the offer for the first subscription service from the user;   establishing, by the processor, a customer account with a server of a merchant associated with the first subscription service; and   automatically downloading, with a transceiver of the user device, a first subscription service application from the server.   
     
     
         9 . The method of  claim 8  further comprising:
 generating, with the processor, login information for the customer account; and 
 logging, with the processor, the user into the first subscription service application using the login information. 
 
     
     
         10 . The method of  claim 9  further comprising:
 encrypting, with the processor, the login information in a hashed data type format; and 
 sending, with the transceiver, the encrypted login information to a user address. 
 
     
     
         11 . The method of  claim 8  further comprising:
 generating, with the processor, a first graph that illustrates service features and prices associated with the first subscription service; and 
 displaying, in the first GUI, the first graph as the offer. 
 
     
     
         12 . The method of  claim 11  further comprising:
 comparing, with the processor, the price of each of the subscription-based applications and the price of the first subscription service to identify any differences; 
 generating, with the processor, a second graph that highlights the differences; and 
 displaying, in a second GUI displayed on the screen of the user device, the second graph. 
 
     
     
         13 . The method of  claim 11  further comprising:
 comparing, with the processor, the service features of each of the subscription-based applications and the price of the first subscription service to identify any differences; 
 generating, with the processor, a second graph that highlights the differences; and 
 displaying, in a second GUI displayed on the screen of the user device, the second graph. 
 
     
     
         14 . The method of  claim 8 , wherein determining the first subscription service to offer a user of the user device comprises selecting the first subscription based on a geographic region associated with the first subscription and the user. 
     
     
         15 . The method of  claim 8  further comprising generating, with the processor, a first display on the first GUI that shows a discounted rate for the first subscription service based at least in part on a bundled package provided by a financial institution associated with one application of the plurality of applications. 
     
     
         16 . A method for improving subscription offerings to a user device comprising:
 providing, by a processor of a financial institution, a plurality of subscription categories to the user device associated with a customer;   receiving, by the processor, a sign-up request from the user device to a first subscription category of the plurality of subscription categories;   identifying, by the processor, a plurality of merchant offers for products or services in the first subscription category, wherein each of the offers includes prices and features;   selecting, by the processor, a first product or service offered by a first merchant;   purchasing, by the processor, the first product or service from a server of the first merchant;   retrieving, from memory, payment information for the customer from customer data; and   receiving, with the processor, payment for the first product or service from a financial account provided in the customer data.   
     
     
         17 . The method of  claim 16 , wherein providing the plurality of subscription categories further comprises:
 sending, with a transceiver, a summary of the plurality of subscription categories to the user device to cause the user device to display the summary as a graphical user interface.   
     
     
         18 . The method of  claim 16  further comprising:
 comparing, by the processor, the price of each of the products or services in the first subscription category to identify any differences; 
 generating, by the processor, a graph that highlights the differences; and 
 sending, with a transceiver, the graph to the user device to cause the user device to display the graph. 
 
     
     
         19 . The method of  claim 16  further comprising:
 comparing, by the processor, the features of each of the products or services of the first subscription category to identify any differences; 
 generating, by the processor, a graph that highlights the differences; and 
 sending, with a transceiver, the graph to the user device to cause the user device to display the graph.