Systems and Methods for Targeting Offers
First Claim
1. A computer-implemented method, comprising:
- providing, by a computing apparatus, data identifying a set of predefined user clusters to allow bidding on individual clusters in the set;
receiving, in the computing apparatus, a plurality of bids associated with a first cluster that is selected from the set;
selecting, by the computing apparatus, a first bid from the plurality of bids based on sizes of the bids, wherein the first bid is from a first entity; and
providing, by the computing apparatus, the first entity with access to market to users in the first cluster during a predetermined time period.
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Abstract
In one aspect, a computing apparatus includes: a transaction handler to process transactions; a data warehouse to store transaction data recording the transactions processed at the transaction handler; a profile generator to identify a set of user clusters based on transaction data; and a portal to enroll users and identify preferred communication channels of the users, receive offers from a plurality of entities, present data identifying the set of user clusters to the entities, receive bids on the clusters from the entities in accordance with types of the offers, based on the bids determine winning entities for a predetermined time period, and provide offers of the winning entities to respective enrolled users in respective clusters during the predetermined time period, using preferred communication channels of the respective enrolled users.
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Citations
20 Claims
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1. A computer-implemented method, comprising:
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providing, by a computing apparatus, data identifying a set of predefined user clusters to allow bidding on individual clusters in the set; receiving, in the computing apparatus, a plurality of bids associated with a first cluster that is selected from the set; selecting, by the computing apparatus, a first bid from the plurality of bids based on sizes of the bids, wherein the first bid is from a first entity; and providing, by the computing apparatus, the first entity with access to market to users in the first cluster during a predetermined time period. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A computer storage medium storing instructions which, when executed on a computer system, cause the computer system to perform a method, the method comprising:
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providing data identifying a set of predefined user clusters to allow bidding on individual clusters in the set; receiving a plurality of bids associated with a first cluster selected from the set; selecting a first bid from the plurality of bids based on sizes of the bids, wherein the first bid is from a first entity; and providing the first entity with access to market to users in the first cluster during a predetermined time period.
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20. A system, comprising:
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a transaction handler to process transactions, each of the transactions being processed to make a payment from an issuer to an acquirer via the transaction handler in response to an account identifier of a customer, as issued by the issuer, being submitted by a merchant to the acquirer, the issuer to make the payment on behalf of the customer, the acquirer to receive the payment on behalf of the merchant; a data warehouse to store transaction data recording the transactions processed at the transaction handler; a profile generator to identify a set of user clusters based on transaction data; and a portal to enroll users and identify preferred communication channels of the users, receive offers from a plurality of entities, present data identifying the set of user clusters to the entities, receive bids on the clusters from the entities in accordance with types of the offers, based on the bids determine winning entities for a predetermined time period, and provide offers of the winning entities to respective enrolled users in respective clusters during the predetermined time period, using preferred communication channels of the respective enrolled users.
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Specification