Techniques for transaction data coordination
First Claim
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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Accused Products
Abstract
A method for coordinating transaction data for targeted offer generation includes facilitating opt-in to a cardholder offer generation scheme, and facilitating obtaining transaction data associated with a card transaction, via a payment card processing network. The transaction data includes (i) attribute data indicative of an attribute of at least one item purchased, and (ii) an account number of the card. Storage of at least the attribute data in a data warehouse is facilitated, in association with indicia of the holder. The steps can be repeated 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 the holder. Generating a non-real-time offer to the holder by an operator of the payment card network is facilitated, based, at least in part, on data mining performed on the data warehouse profile.
80 Citations
28 Claims
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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:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
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26. A computer program product comprising a computer useable medium including computer usable program code 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 computer program product including:
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computer usable program code for facilitating opt-in to a cardholder offer generation scheme;
computer usable program code for 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;
computer usable program code for 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;
computer usable program code for 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
computer usable program code for 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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27. An apparatus 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 apparatus comprising:
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a memory; and
at least one processor coupled to said memory, said processor being operative to;
facilitate opt-in to a cardholder offer generation scheme;
facilitate 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;
facilitate 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;
repeat 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
facilitate 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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28. An apparatus 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 apparatus comprising:
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means for facilitating opt-in to a cardholder offer generation scheme;
means for 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;
means for 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;
means for 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
means for 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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Specification