SYSTEM AND METHOD FOR TARGETED MARKETING AND CONSUMER RESOURCE MANAGEMENT
First Claim
1. A method for providing consumer resource management comprising:
- providing a consumer interface on a network terminal;
receiving consumer input from the network terminal, the consumer input being communicated to an enterprise infrastructure;
configuring a consumer account based on the consumer input, the consumer account having a partner interface to access a plurality of selected goods and services providers, the consumer account being configured to set fund balances to at least one selected goods and services provider; and
purchasing a gift card from the enterprise infrastructure to enable purchases from at least one selected goods and services provider.
8 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.
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Citations
19 Claims
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1. A method for providing consumer resource management comprising:
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providing a consumer interface on a network terminal; receiving consumer input from the network terminal, the consumer input being communicated to an enterprise infrastructure; configuring a consumer account based on the consumer input, the consumer account having a partner interface to access a plurality of selected goods and services providers, the consumer account being configured to set fund balances to at least one selected goods and services provider; and purchasing a gift card from the enterprise infrastructure to enable purchases from at least one selected goods and services provider. - View Dependent Claims (2, 3, 4, 5, 6, 9)
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7. The method of claim 7 further comprising:
configuring the gift card as a universal transaction card to enable using the universal transaction card to make purchases from a plurality of the selected goods and services providers. - View Dependent Claims (8)
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10. A method for providing targeted marketing to a goods and services provider, the method comprising:
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collecting transaction data from point-of-sale (POS) terminals processing transactions, the transaction data including a consumer identifier for each consumer involved in the transactions; sending the transaction data to an enterprise infrastructure; for each transaction, accessing a consumer account in the enterprise infrastructure for each consumer based on the consumer identifiers; recording the transaction data in the corresponding consumer accounts; and sending to the goods and services provider information relating to consumers that purchased goods and services from the goods and services provider. - View Dependent Claims (11, 12, 13, 14, 15, 16)
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17. A method for providing consumer resource management comprising:
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providing a consumer interface on a network terminal; receiving consumer input from the network terminal, the consumer input being communicated to an enterprise infrastructure; configuring a consumer account based on the consumer input, the consumer account having a plurality of partner interfaces to access a plurality of corresponding selected goods and services providers, the consumer account being configured to set fund balances to a plurality of the selected goods and services providers; and generating a universal transaction identifier from the enterprise infrastructure, the universal transaction identifier corresponding to the consumer account to enable purchases from a plurality of the selected goods and services providers. - View Dependent Claims (18, 19)
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Specification