United Services Automobile Association (usaa)

Craig Kincaid

Bradly Jay Billman

Charles Lee Oakes, Iii

Maland Keith Mortensen

Gunjan Chandraprakash Vijayvergia

Michael Patrick Bueche, Jr

Rickey Dale Burks

Wayne Maurice Hartman

Marty Lee Mendivil

Elizabeth Norris Jackson

Luke James Gradeless

Christopher A Jackson

Joshua D Maldonado

Margaret M Tuschinski

Stephen Basilotto

Meighan K McNulty

A system, method and apparatus for detecting the presence of a portable computing device (a smart phone device) in an area of proximity to a vendor to determine relevant pertinent information. A beacon device at a retail location establishes communication with a user's smart phone device which detection is then send to a remotely located server. The remotely located server determines if the detected portable computing device is associated with a predefined category of user. Contingent upon the category of user determination, a determination is made regarding information pertinent to the user. The pertinent information is then caused to be sent to the user's smart phone device.

System, method and apparatus for location based delivery of determined pertinent data

Methods and systems for facilitating a program with participating merchants and consumers are described. In some embodiments, a method includes receiving a wish list of a user. The wish list may include items or services sold by merchants participating in the program. The wish list may be published to the merchants participating in the program. A location of the user may be determined, and an offer from one of the participating merchants may be received, where the offer is based on the location of the user. A total cost of the offer may be calculated by analyzing the offer. The user may be notified of the offer and the total cost.

Systems and methods for facilitating purchases

Growing community of inventors

Floresville, TX, United States of America

Craig Kincaid