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American Express launches first-of-its-kind mobile offer engine to cardmembers

15 mai 2012

May 15, 2012 –  American Express launched an industry first mobile offer engine that recommends and ranks relevant merchant offers in real time for US Cardmembers based on their spending history and location – a Cardmember’s „spend graph.”  After Cardmembers download or update the American Express iPhone app, they can click to see „Offers Available for You.” The list of offers will be ranked based on relevance.

This mobile experience is being piloted via the new „My Offers” feature on the American Express iPhone App – which is the same convenient and secure environment where millions of Cardmembers currently manage their Card accounts. During the pilot, recommended local offers be will be concentrated in Los Angeles and New York City with an overlay of offers available nationwide at merchants like Baskin-Robbins® and Dunkin’ Donuts®.

„In an increasingly crowded marketplace, where consumers are bombarded with daily deals, we saw an opportunity to help our Cardmembers save time as well as money by curating meaningful offers for them,” said Josh Silverman, president of the U.S. Consumer Services Group at American Express. „At the same time, we can help our merchant partners build their business by helping them reach the right Cardmembers with the right offers at the right time. We developed our mobile offer engine with three key points of differentiation in mind: relevance, convenience and value.”

My Offers is the next iteration of American Express’ exclusive Smart Offer technology, which powers the company’s card sync programs with Facebook, Twitter and foursquare and leverages the company’s closed loop network to connect Cardmembers and merchants in order to deliver value to both. For Cardmembers, this new mobile offer engine is a one-stop-shop to easily find, add and track offers and savings from American Express and its merchant partners – including those available through the company’s Facebook, foursquare and Twitter programs. For merchant partners, the mobile offer engine helps them attract new customers and generate repeat business by delivering relevant offers to Cardmembers on the go in real time.

After Cardmembers download or update the American Express iPhone app, they can click to see „Offers Available for You.” The list of offers will be ranked based on relevance – taking into account the Cardmember’s spending history and current location. Cardmembers can also sort and discover offers based on location or expiration date. My Offers features a dashboard where Cardmembers can see what offers they have added to their card, how much they have saved, and what offers have expired – all in one convenient place. To redeem an offer, Cardmembers simply add it to an eligible American Express Card and then use their Card to make the qualifying purchase. Savings are automatically delivered via a statement credit generally within three to five days.

To help fuel the mobile offer engine, the company has enhanced its Go Social offer entry tool for merchants. Launched last year, Go Social now enables small merchants to create social and mobile offers, reach Cardmember segments and receive detailed reporting on their offers.

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Anders Olofsson – former Head of Payments Finastra

Banking 4.0 – „how was the experience for you”

So many people are coming here to Bucharest, people that I see and interact on linkedin and now I get the change to meet them in person. It was like being to the Football World Cup but this was the World Cup on linkedin in payments and open banking.”

Many more interesting quotes in the video below:


In 23 septembrie 2019, BNR a anuntat infiintarea unui Fintech Innovation Hub pentru a sustine inovatia in domeniul serviciilor financiare si de plata. In acest sens, care credeti ca ar trebui sa fie urmatorul pas al bancii centrale?