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Techniques for transaction data coordination

  • US 20070150352A1
  • Filed: 12/20/2006
  • Published: 06/28/2007
  • Est. Priority Date: 12/23/2005
  • Status: Active Application
First Claim
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1. A computer-implemented method for coordinating transaction data for targeted offer generation, said transaction data being associated with a payment card of a holder, said payment card being usable in a payment card processing network, said method comprising the steps of:

  • facilitating opt-in to a cardholder offer generation scheme;

    facilitating obtaining transaction data associated with a transaction conducted with said card, said transaction data being obtained via said payment card processing network, said transaction data comprising;

    attribute data indicative of an attribute of at least one item purchased in said transaction; and

    an account number of said card, said account number identifying said holder;

    facilitating storage of at least said attribute data in a data warehouse, in association with indicia of said holder, in a form for subsequent data mining thereon;

    repeating said steps of (i) facilitating obtaining said transaction data, and (ii) facilitating storage, for a plurality of transactions at a plurality of sales entities, to generate a cross-transaction, cross-entity, actual-product-purchased-based data warehouse profile of said holder; and

    facilitating generating a non-real-time offer to said holder, said offer being based, at least in part, on data mining performed on said data warehouse profile, said offer being generated by an operator of said payment card network.

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