TIMING COMMERCIAL OFFERS BASED ON LONG-TERM USER DATA
First Claim
1. A method for timing commercial offers made to a user, comprising:
- receiving financial history data for the user, wherein the financial history data includes purchase records for a set of purchases;
identifying a subset of purchases in the set of purchases, wherein the subset of purchases are semantically linked to a set of predetermined subjects;
identifying timing patterns in the subset of purchases based on timing information associated with the subset of purchases; and
presenting one or more commercial offers to the user at specific times based on the identified timing patterns.
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Accused Products
Abstract
One embodiment of the present invention provides a system that times commercial offers made to a user. During operation, the system starts by receiving financial history data for the user, wherein the financial history data includes purchase records for a set of purchases. The system then identifies a subset of purchases in the set of purchases, wherein the subset of purchases are semantically linked to a set of predetermined subjects. Next, the system identifies timing patterns in the subset of purchases based on timing information associated with the subset of purchases. The system then presents one or more commercial offers to the user at specific times based on the identified timing patterns.
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Citations
25 Claims
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1. A method for timing commercial offers made to a user, comprising:
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receiving financial history data for the user, wherein the financial history data includes purchase records for a set of purchases; identifying a subset of purchases in the set of purchases, wherein the subset of purchases are semantically linked to a set of predetermined subjects; identifying timing patterns in the subset of purchases based on timing information associated with the subset of purchases; and presenting one or more commercial offers to the user at specific times based on the identified timing patterns. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A computer-readable storage medium storing instructions that when executed by a computer cause the computer to perform a method for timing commercial offers made to a user, the method comprising:
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receiving financial history data for the user, wherein the financial history data includes purchase records for a set of purchases; identifying a subset of purchases in the set of purchases, wherein the subset of purchases are semantically linked to a set of predetermined subjects; identifying timing patterns in the subset of purchases based on timing information associated with the subset of purchases; and presenting one or more commercial offers to the user at specific times based on the identified timing patterns. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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25. A system for timing commercial offers made to a user, comprising:
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a receiving mechanism configured to receive financial history data for the user, wherein the financial history data includes purchase records for a set of purchases; an identifying mechanism configured to identify a subset of purchases in the set of purchases, wherein the subset of purchases are semantically linked to a set of predetermined subjects; wherein the identifying mechanism is further configured to identify timing patterns in the subset of purchases based on timing information associated with the subset of purchases; and a presenting mechanism configured to present one or more commercial offers to the user at specific times based on the identified timing patterns.
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Specification