Digital concierge application

Abstract

Embodiments of the invention are directed to methods, systems, and apparatuses for providing digital concierge services through a portable electronic device. The digital concierge may be provided through an application installed on a portable electronic device that is configured to contact a concierge service, provide filtered and relevant offers including promotions and accountholder benefits, and provide ATM location services for users as they travel. One embodiment of the present invention is directed to a method comprising determining a location of a portable electronic device, receiving concierge data associated with the user, filtering, by a processor, a plurality of offers according to the location of the portable electronic device and the concierge data associated with the user, and presenting filtered offers to a user. Some embodiments may further filter the plurality of offers according to an issuer associated with the user of the portable electronic device.

1 .- 20 . (canceled) 
     
     
         21 . A method comprising:
 receiving, by a communication element of a portable electronic device, a plurality of offers from an application management server over a communication network;   storing, on a data storage memory of the portable electronic device, the plurality of offers in an offer data database, the offer data database providing access to the plurality of offers without a connection to the application management server via the communication network;   receiving, by the communication element of the portable electronic device over the communication network from a concierge service computer, concierge data including a travel itinerary with the one or more of a hotel reservation, restaurant reservation, and travel arrangement, the concierge service computer associated with a concierge service provider that previously scheduled the one or more of the hotel reservation, the restaurant reservation, and the travel arrangement on behalf of a user, wherein the concierge data is associated with the user, the concierge service computer different from the application management server, the plurality of offers different from the concierge data including the travel itinerary with the one or more of the hotel reservation, the restaurant reservation, and the travel arrangement;   storing, on the data storage memory of the portable electronic device, the concierge data in a concierge data database;   retrieving, from the data storage memory of the portable electronic device in response to a menu selection by the user via a user interface of the portable electronic device, the plurality of offers from the offer data database without using the connection to the application management server via the communication network;   determining, by a processor of the portable electronic device, a current location of the portable electronic device;   determining, by the processor of the portable electronic device, based on the concierge data, one or more future locations associated with the user of the portable electronic device by interpreting the travel itinerary to identify when and where the user will be located by determining one or more future locations and one or more future times relative to the one or more of the hotel reservation, restaurant reservation, and the travel arrangement in the travel itinerary and mapping each of the one or more future locations on a timeline; and   filtering, by the processor of the portable electronic device, without using the connection to the application management server via the communication network, the plurality of offers retrieved from the data storage memory of the portable electronic device according to the current location of the portable electronic device, the one or more future locations, and the timeline.   
     
     
         22 . The method of  claim 21 , wherein filtering the plurality of offers further comprises filtering the plurality of offers according to an issuer associated with the user of the portable electronic device, and wherein the plurality of offers include promotions and coupons associated with one or more providers. 
     
     
         23 . The method of  claim 21 , wherein the concierge data includes one or more of a service request and a service response associated with the user. 
     
     
         24 . The method of  claim 21 , wherein the offers include benefit information associated with an account of the user, and wherein the concierge data includes a service report. 
     
     
         25 . The method of  claim 21 , further comprising:
 transmitting, by the communication element of the portable electronic device, a request for updated offers to the application management server over the communication network in response to a predetermined event;   receiving, by the communication element of the portable electronic device, the updated offers from the application management server over the communication network;   updating, by the processor of the portable electronic device, the plurality of offers with the updated offers to obtain an updated plurality of offers;   filtering, by the processor of the portable electronic device, the updated plurality of offers; and   storing, on the data storage memory of the portable electronic device, the updated plurality of offers on the portable electronic device.   
     
     
         26 . The method of  claim 25 , wherein the predetermined event includes launching of the application, powering on the portable electronic device, or lapsing of a predetermined period of time. 
     
     
         27 . The method of  claim 21  further comprising:
 transmitting, by the communication element of the portable electronic device, the selected offer and user information to a social media network server over the communication network, wherein the social media network server shares the selected offer with other social media network users. 
 
     
     
         28 . The method of  claim 21  further comprising:
 determining, by the processor of the portable electronic device, a local concierge service contact using the current location of the portable electronic device; 
 presenting, via the user interface of the portable electronic device, contact options to the user to connect to the concierge service; 
 receiving, via the user interface of the portable electronic device, a contact selection of one of the contact options from the user; and 
 contacting, by the portable electronic device, the concierge service. 
 
     
     
         29 . The method of  claim 21 , wherein the portable electronic device is a mobile phone. 
     
     
         30 . The method of  claim 21 , wherein the plurality of offers include local offers. 
     
     
         31 . A system, comprising:
 a portable electronic device, comprising:
 a processor; 
 a data storage memory; and 
   a non-transitory computer readable medium comprising computer code executable by the process to perform a method, the method comprising   receiving, by a communication element of the portable electronic device, a plurality of offers from an application management server over a communication network;   storing, on the data storage memory of the portable electronic device, the plurality of offers in an offer data database, the offer data database providing access to the plurality of offers without a connection to the application management server via the communication network;   receiving, by the communication element of the portable electronic device over the communication network from a concierge service computer, concierge data including a travel itinerary with the one or more of a hotel reservation, restaurant reservation, and travel arrangement, the concierge service computer associated with a concierge service provider that previously scheduled the one or more of the hotel reservation, the restaurant reservation, and the travel arrangement on behalf of a user, wherein the concierge data is associated with the user, the concierge service computer different from the application management server, the plurality of offers different from the concierge data including the travel itinerary with the one or more of the hotel reservation, the restaurant reservation, and the travel arrangement;   storing, on the data storage memory of the portable electronic device, the concierge data in a concierge data database;   retrieving, from the data storage memory of the portable electronic device in response to a menu selection by the user via a user interface of the portable electronic device, the plurality of offers from the offer data database without using the connection to the application management server via the communication network;   determining, by a processor of the portable electronic device, a current location of the portable electronic device;   determining, by the processor of the portable electronic device, based on the concierge data, one or more future locations associated with the user of the portable electronic device by interpreting the travel itinerary to identify when and where the user will be located by determining one or more future locations and one or more future times relative to the one or more of the hotel reservation, restaurant reservation, and the travel arrangement in the travel itinerary and mapping each of the one or more future locations on a timeline; and   filtering, by the processor of the portable electronic device, without using the connection to the application management server via the communication network, the plurality of offers retrieved from the data storage memory of the portable electronic device according to the current location of the portable electronic device, the one or more future locations, and the timeline.   
     
     
         32 . The system of  claim 31 , wherein the filtering of the plurality of offers further comprises filtering the plurality of offers according to an issuer associated with the user of the portable electronic device, and wherein the plurality of offers include promotions and coupons associated with one or more providers. 
     
     
         33 . The system of  claim 31 , wherein the concierge data includes one or more of a service request and a service response associated with the user. 
     
     
         34 . The system of  claim 31 , wherein the offers include benefit information associated with an account of the user, and wherein the concierge data includes a service report. 
     
     
         35 . The system of  claim 31 , wherein the method further comprises:
 transmitting, by the communication element, a request for updated offers to the application management server over the communication network in response to a predetermined event;   receiving, by the communication element, the updated offers from the application management server over the communication network;   updating, by the processor, the plurality of offers with the updated offers to obtain an updated plurality of offers;   filtering, by the processor, the updated plurality of offers; and   storing, on the data storage memory, the updated plurality of offers on the portable electronic device.   
     
     
         36 . The system of  claim 35 , wherein the predetermined event includes launching of the application, powering on the portable electronic device, or lapsing of a predetermined period of time. 
     
     
         37 . The system of  claim 31  wherein the method further comprises:
 transmitting, by the communication element, the selected offer and user information to a social media network server over the communication network, wherein the social media network server shares the selected offer with other social media network users. 
 
     
     
         38 . The system of  claim 31 , wherein the method further comprises:
 determining, by the processor, a local concierge service contact using the current location of the portable electronic device;   presenting, via the user interface, contact options to the user to connect to the concierge service;   receiving, via the user interface, a contact selection of one of the contact options from the user; and   contacting, by the portable electronic device, the concierge service.   
     
     
         39 . The system of  claim 31 , further comprising the concierge service computer. 
     
     
         40 . The system of  claim 31 , further comprising the application management server.