Systems and methods to provide intelligent analytics to cardholders and merchants
First Claim
Patent Images
1. A computer-implemented method, comprising:
- identifying, by a computing apparatus, an account number of an account of a user involved in a payment transaction and an Internet Protocol (IP) address of a device associated with the user;
identifying, by the computing apparatus, a first time period of the payment transaction based on a timestamp associated with the payment transaction;
determining, by the computing apparatus, a cookie ID associated with the IP address of the device associated with the user, the cookie ID associated with a second time period;
determining, by the computing apparatus, at least one online activity associated with the cookie ID based on the IP address of the device associated with the user;
correlating, by the computing apparatus, the at least one online activity associated with the cookie ID, conducted at a time before the payment transaction, with the account number of the account of the user involved in the payment transaction;
generating, by the computing apparatus, a correlation result based on correlating the at least one online activity with the payment transaction, wherein the correlation result comprises data indicating a rate of conversion from the at least one online activity to the payment transaction;
generating, by the computing apparatus, an offer associated with an online advertisement for the user based on the correlation result; and
communicating, by the computing apparatus, the offer associated with the online advertisement to the user.
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Abstract
In one aspect, a computing apparatus includes: a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed by the transaction handler, a portal coupled with the data warehouse to receive one or more parameters as an input and to provide spending activity information for presentation as a response to the input, and an analytics engine coupled with the portal and the data warehouse to analyze spending activities of a user based on the transaction data and the one or more parameters to generate the spending activity information regarding transactions in a plurality of accounts of the user.
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Citations
20 Claims
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1. A computer-implemented method, comprising:
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identifying, by a computing apparatus, an account number of an account of a user involved in a payment transaction and an Internet Protocol (IP) address of a device associated with the user; identifying, by the computing apparatus, a first time period of the payment transaction based on a timestamp associated with the payment transaction; determining, by the computing apparatus, a cookie ID associated with the IP address of the device associated with the user, the cookie ID associated with a second time period; determining, by the computing apparatus, at least one online activity associated with the cookie ID based on the IP address of the device associated with the user; correlating, by the computing apparatus, the at least one online activity associated with the cookie ID, conducted at a time before the payment transaction, with the account number of the account of the user involved in the payment transaction; generating, by the computing apparatus, a correlation result based on correlating the at least one online activity with the payment transaction, wherein the correlation result comprises data indicating a rate of conversion from the at least one online activity to the payment transaction; generating, by the computing apparatus, an offer associated with an online advertisement for the user based on the correlation result; and communicating, by the computing apparatus, the offer associated with the online advertisement to the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A non-transitory computer storage medium storing instructions configured to instruct a computing apparatus to:
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identify an account number of an account of a user involved in a payment transaction and an Internet Protocol (IP) address of a device associated with the user; identify a first time period of the payment transaction based on a timestamp associated with a time at which the payment transaction was conducted; assign the account number of the account of the user and a cookie ID associated with the IP address of the device associated with the user in a data structure, wherein the cookie ID is associated with a second time period, the second time period being within a predetermined amount of time of the first time period; determine the cookie ID associated with the IP address of the device associated with the user based on the data structure; determine at least one online activity associated with the cookie ID based on the IP address of the device associated with the user; correlate the at least one online activity associated with the cookie ID, conducted at a time before the payment transaction, with the account number of the account of the user involved in the payment transaction; generate a correlation result based on correlating the at least one online activity with the payment transaction, wherein the correlation result comprises data indicating a rate of conversion from the at least one online activity to the payment transaction; generate an offer associated with an online advertisement for the user based on the correlation result; and communicate the offer associated with the online advertisement to the user.
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19. A system, comprising:
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at least one microprocessor; memory storing instructions configured to instruct the at least one microprocessor to; identify an account number of an account of a user involved in a payment transaction and an Internet Protocol (IP) address of a device associated with the user; identify a first time period of the payment transaction based on a timestamp associated with a time at which the payment transaction was conducted; determine a cookie ID associated with the IP address of the device associated with the user, the cookie ID associated with a second time period, the second time period being within a predetermined amount of time after the first time period; determine at least one online activity associated with the cookie ID based on the IP address of the device associated with the user, wherein the at least one online activity comprises an online activity conducted before the payment transaction; correlate the at least one online activity associated with the cookie ID with transaction data associated with the payment transaction; generate a correlation result based on correlating the at least one online activity with the payment transaction, wherein the correlation result comprises data indicating a rate of conversion from the at least one online activity to the payment transaction; generate an offer associated with an online advertisement for the user based on the correlation result; and communicate the offer associated with the online advertisement to the user via the IP address of the device associated with the user. - View Dependent Claims (20)
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Specification