Systems and Methods for Advertising Services Based on an SKU-Level Profile
First Claim
1. A computer-implemented method, comprising:
- receiving, in a computing apparatus coupled to a transaction handler, an authorization request from an acquirer processor, the authorization request identifying an account identifier of a user issued by an issuer, the authorization request to be processed by the transaction handler for a payment from an issuer processor to the acquirer processor, the issuer processor to make the payment on behalf of the user, and the acquirer processor to receive the payment on behalf of a merchant;
determining, by the computing apparatus, whether the account identifier is associated with a consent from the user to track purchase details of the user and whether the merchant is one of a plurality of participating merchants who have agreed to provide purchase details;
if the account identifier is associated with the consent from the user and the merchant is one of the plurality of participating merchants,requesting, by the computing apparatus, purchase details for the payment via a response to the authorization request,receiving, in the computing apparatus, the purchase details for the payment from the merchant, andstoring, in the computing apparatus, the purchase details for the payment in association with the account identifier; and
generating, by the computing apparatus, a profile of the user based at least in part on the purchase details of the user.
1 Assignment
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Accused Products
Abstract
In one aspect, a computing apparatus includes: a transaction handler to process transactions; a portal to receive, from users, consent data that identifies account identifiers of the users; a data warehouse to store transaction data recording the transactions and store purchase details for at least some of the transactions; and a profile generator to generate profiles based on the transaction data and the purchase details stored in the data warehouse. In response to an authorization request received in the transaction handler for a payment transaction identifying a first account identifier, the system is to use the transaction handler to request purchase details associated with the authorization request from the merchant via a response to the authorization request, and receive and store the purchase details associated with the authorization request in the data warehouse, in response to a determination that the first account identifier is associated with consent data.
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Citations
20 Claims
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1. A computer-implemented method, comprising:
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receiving, in a computing apparatus coupled to a transaction handler, an authorization request from an acquirer processor, the authorization request identifying an account identifier of a user issued by an issuer, the authorization request to be processed by the transaction handler for a payment from an issuer processor to the acquirer processor, the issuer processor to make the payment on behalf of the user, and the acquirer processor to receive the payment on behalf of a merchant; determining, by the computing apparatus, whether the account identifier is associated with a consent from the user to track purchase details of the user and whether the merchant is one of a plurality of participating merchants who have agreed to provide purchase details; if the account identifier is associated with the consent from the user and the merchant is one of the plurality of participating merchants, requesting, by the computing apparatus, purchase details for the payment via a response to the authorization request, receiving, in the computing apparatus, the purchase details for the payment from the merchant, and storing, in the computing apparatus, the purchase details for the payment in association with the account identifier; and generating, by the computing apparatus, a profile of the user based at least in part on the purchase details of the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 20)
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18. A computer storage medium storing instructions which, when executed on a computer, cause the computer to perform a method, the method comprising:
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receiving, in a computing apparatus coupled to a transaction handler, an authorization request from an acquirer processor, the authorization request identifying an account identifier of a user issued by an issuer, the authorization request to be processed by the transaction handler for a payment from an issuer processor to the acquirer processor, the issuer processor to make the payment on behalf of the user, and the acquirer processor to receive the payment on behalf of a merchant; determining, by the computing apparatus, whether the account identifier is associated with a consent from the user to track purchase details of the user and whether the merchant is one of a plurality of participating merchants who have agreed to provide purchase details; if the account identifier is associated with the consent from the user and the merchant is one of the plurality of participating merchants, requesting, by the computing apparatus, purchase details for the payment via a response to the authorization request, receiving, in the computing apparatus, the purchase details for the payment from the merchant, and storing, in the computing apparatus, the purchase details for the payment in association with the account identifier; and generating, by the computing apparatus, a profile of the user based at least in part on the purchase details of the user.
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19. 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 processor to an acquirer processor via the transaction handler in response to an account identifier of a customer, as issued by an issuer, being submitted by a merchant to an acquirer, the issuer to use the issuer processor to make the payment on behalf of the customer, the acquirer to use the acquirer processor to receive the payment on behalf of the merchant; a portal to receive consent data from users, the consent data identifying account identifiers of the users and representing user consent for tracking and using purchase details via the transaction handler; a data warehouse coupled with the portal and the transaction handler to store transaction data recording the transactions and store purchase details for at least some of the transactions; and a profile generator coupled with the data warehouse, the profile generator to generate profiles based on the transaction data and the purchase details stored in the data warehouse; wherein in response to an authorization request received in the transaction handler for a payment transaction identifying a first account identifier, the system is to use the data warehouse to determine whether the first account identifier is associated with consent data regarding purchase details; and
if the first account identifier is associated with consent data regarding purchase details, the system is to use the transaction handler to request purchase details associated with the authorization request from the merchant via a response to the authorization request, and receive and store the purchase details associated with the authorization request in the data warehouse.
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Specification