Thomas F Poole

US Patent:

20140279539, Sep 18, 2014

Filed:

Mar 13, 2014

Appl. No.:

14/209594

Inventors:

Jeremy Rephlo - Washington DC, US
Lawrence Douglas - McLean VA, US
Thomas S. Poole - Chantilly VA, US

Assignee:

Capital One Financial Corporation - McLean VA

International Classification:

G06Q 20/22

US Classification:

705 44

Abstract:

The disclosed embodiments include methods, systems, and articles of manufacture for providing tipping suggestion services. A financial service provider configures a financial service account for a user. After the user makes a purchase at a merchant associated with leaving a tip, such as a restaurant, the financial service provider may determine metrics related to tipping, such as the user's own tipping behavior, or the tipping behavior of other users at the same merchant over time. The financial service provider may rapidly transmit the tipping metrics to a client device when a notification is received that a user has made a tip-eligible purchase, so that the user may factor the metrics into a decision of how much to tip in real time as the decision is being made.