TARGETED ADVERTISING BY PAYMENT PROCESSOR HISTORY OF CASHLESS ACQUIRED MERCHANT TRANSACTIONS ON ISSUED CONSUMER ACCOUNT
First Claim
1. A method comprising:
- receiving a request for content from a client corresponding to an account issued by an issuer;
fitting on a page;
the requested content;
andan advertisement for a purchase likely to be made on the account, the advertisement for the purchase being selected from an advertisement database by a derivation using data from a plurality of cashless transactions with a plurality of merchants that were submitted to a plurality of acquirers for processing by a payment processor for submission to the issuer for collection, each said transaction being conducted on the account;
andserving the page to the client.
1 Assignment
0 Petitions
Accused Products
Abstract
Content and targeted advertisements are simultaneously provided to a client. Upon receiving a request for content from the client, a content provider requests a targeted advertisement from a transaction processor. The targeted advertisement is derived using a spending profile based upon a history of cashless acquired merchant transactions made by a consumer on an account, where the account has been associated with the consumer by the content provider. The targeted advertisement is selected from an advertisement database and is likely to attract the consumer'"'"'s attention, resulting in a purchase being made on the account. Once the targeted advertisement is selected, it is received by the content provider and fitted to the dimensions of the advertising space. A page containing the targeted advertisement and requested content is delivered to the client where it is displayed on a display device and viewed by the consumer.
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Citations
28 Claims
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1. A method comprising:
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receiving a request for content from a client corresponding to an account issued by an issuer; fitting on a page; the requested content; and an advertisement for a purchase likely to be made on the account, the advertisement for the purchase being selected from an advertisement database by a derivation using data from a plurality of cashless transactions with a plurality of merchants that were submitted to a plurality of acquirers for processing by a payment processor for submission to the issuer for collection, each said transaction being conducted on the account; and serving the page to the client. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method comprising:
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requesting content from a content provider holding an account issued by an issuer; receiving a page addressed from the content provider and including; the requested content; and an advertisement for a purchase likely to be made on the account, the advertisement for the purchase being selected from an advertisement database by a derivation using data from a plurality of cashless transactions with a plurality of merchants that were submitted to a plurality of acquirers for processing by a payment processor for submission to the issuer for collection, each said transaction being conducted on the account; and rendering the received page. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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- 15. A system comprising a broadcaster of requested content for delivery to a plurality of set top boxes each corresponding to an account issued by an issuer on which a cashless transaction is conducted to pay for the requested content, the requested content being for display upon a television set in communication with the set top box, the television set having a display area upon which a page is rendered, the page including the requested content and an advertisement for a purchase likely to be made on the account, the advertisement for the purchase being selected from an advertisement database in communication with the head end, the selection being made by a computing device in communication with the head end, the computing device making a derivation using data from a plurality of cashless transactions with a plurality of merchants that were submitted to a plurality of acquirers for processing by a payment processor for submission to the issuer for collection, each said transaction being conducted on the account.
- 20. A system comprising a content server serving content requested by a client for delivery to the client through an Internet service provider, the client having a corresponding account issued by an issuer on which a cashless transaction is conducted to pay for the content server serving the requested content to the client, the requested content being rendered by a browser application executed by the client, the rendering being upon a display monitor in communication with the client, the display monitor having a display area upon which a page is rendered, the page including the requested content and an advertisement for a purchase likely to be made on the account, the advertisement for the purchase being selected from an advertisement database in communication with the content server, the selection being made by an ad server in communication with the content server, the ad server making a derivation using data from a plurality of cashless transactions with a plurality of merchants that were submitted to a plurality of acquirers for processing by a payment processor for submission to the issuer for collection, each said transaction being conducted on the account.
- 26. Any system of providing to a client content requested by the client while simultaneously providing to the client targeted advertising derived from a payment processor history of cashless acquired merchant transactions on a consumer issued account also used in at least one said cashless transaction to pay for the content requested by the client.
Specification