System and method for targeted marketing and consumer resource management
First Claim
1. A method for providing to customers universal access to loyalty programs, wherein the loyalty programs are associated with a plurality of merchants, wherein each merchant of the plurality of merchants is able to operate its own loyalty program without sharing information about transactions between the merchant and said customers, the method comprising, at an enterprise infrastructure:
- receiving requests from said customers, each request from a customer comprising a request to activate a respective universal transaction identifier issued to the customer, and in response to each such request;
allocating memory on the enterprise infrastructure, the allocated memory defining a personal consumer system account for the customer, andautomatically enrolling the customer in the loyalty programs using the same universal transaction identifier of the customer to enroll the customer in the loyalty programs, and thereafter;
receiving, from one of the plurality of merchants, a targeted discount offer and the universal transaction identifier corresponding to each customer in a set of targeted customers who are enrolled in a merchant loyalty program of the one of the plurality of merchants and in response;
storing the targeted discount offer in the personal consumer system account of each customer in the set of targeted customers.
6 Assignments
0 Petitions
Accused Products
Abstract
Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.
-
Citations
21 Claims
-
1. A method for providing to customers universal access to loyalty programs, wherein the loyalty programs are associated with a plurality of merchants, wherein each merchant of the plurality of merchants is able to operate its own loyalty program without sharing information about transactions between the merchant and said customers, the method comprising, at an enterprise infrastructure:
-
receiving requests from said customers, each request from a customer comprising a request to activate a respective universal transaction identifier issued to the customer, and in response to each such request; allocating memory on the enterprise infrastructure, the allocated memory defining a personal consumer system account for the customer, and automatically enrolling the customer in the loyalty programs using the same universal transaction identifier of the customer to enroll the customer in the loyalty programs, and thereafter; receiving, from one of the plurality of merchants, a targeted discount offer and the universal transaction identifier corresponding to each customer in a set of targeted customers who are enrolled in a merchant loyalty program of the one of the plurality of merchants and in response; storing the targeted discount offer in the personal consumer system account of each customer in the set of targeted customers. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
-
-
10. An enterprise infrastructure for providing to customers universal access to loyalty programs, wherein the loyalty programs are associated with a plurality of merchants, wherein each customer is issued a respective unique universal transaction identifier, the enterprise infrastructure comprising a processor and a memory and being configured to:
-
receive requests from the customers to activate their respective universal transaction identifiers, and in response to each such request; allocate memory on a database storage system within the enterprise infrastructure, the allocated memory defining a personal consumer system account for the customer, and automatically enroll the customer in the loyalty programs using the same universal transaction identifier of the customer to enroll the customer in the loyalty programs, and thereafter; receive, from one of the plurality of merchants, a targeted discount offer and the universal transaction identifier corresponding to each customer in a set of targeted customers who are enrolled in a merchant loyalty program of the one of the plurality of merchants and in response; store the targeted discount offer in the personal consumer system account of each customer in the set of targeted customers. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17)
-
-
18. A non-transitory computer-readable medium having stored thereon instructions which, when executed by a computer, enable the computer provide to customers universal access to loyalty programs, wherein the loyalty programs are associated with a plurality of merchants, wherein each merchant of the plurality of merchants is able to operate its own loyalty program without sharing information about transactions between the merchant and said customers, the instructions further causing the computer to:
-
receive requests from said customers, each request from a customer comprising a request to activate a respective universal transaction identifier issued to the customer, and in response to each such request; allocate memory on the database storage system within the enterprise infrastructure, the allocated memory defining a personal consumer system account for the customer, and automatically enroll the customer in the loyalty programs using the same universal transaction identifier of the customer to enroll the customer in the loyalty programs, and thereafter; receive, from one of the plurality of merchants, targeted discount offer and the universal transaction identifier corresponding to each customer in a set of targeted customers who are enrolled in a merchant loyalty program of the one of the plurality of merchants and in response; store the targeted discount offer in the personal consumer system account of each customer in the set of targeted customers. - View Dependent Claims (19, 20, 21)
-
Specification