Systems and Methods to Distribute Advertisement Opportunities to Merchants
First Claim
1. A computer-implemented method, comprising:
- providing a user interface to receive a set of selection criteria and a plurality of bids, from a plurality of merchants respectively, for future opportunities to present advertisements to users identified by the set of selection criteria, the set of selection criteria configured to select based on spending patterns identified from transaction data generated at a transaction handler;
in response to an opportunity for advertising to a user, determining by a computing device whether transactions of the user processed by the transaction handler satisfy the set of selection criteria; and
if the transactions of the user satisfy the set of selection criteria, selecting by the computing device an advertisement of one merchant of the plurality of merchants based at least in part on the bids received from the merchants.
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Abstract
In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions, and a portal configured to provide a user interface to receive a set of selection criteria and a plurality of bids from respective merchants for opportunities to present advertisements to users identified by the set of selection criteria based on spending patterns determined from transaction data generated by the transaction handler. The system further includes at least one processor coupled with the data warehouse and the portal and configured to determine, in response to an opportunity for advertising to a user, whether transactions of the user processed by the transaction handler satisfy the set of selection criteria and, if so, select an advertisement of one merchant of the plurality of merchants based at least in part on the bids received from the merchants.
226 Citations
20 Claims
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1. A computer-implemented method, comprising:
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providing a user interface to receive a set of selection criteria and a plurality of bids, from a plurality of merchants respectively, for future opportunities to present advertisements to users identified by the set of selection criteria, the set of selection criteria configured to select based on spending patterns identified from transaction data generated at a transaction handler; in response to an opportunity for advertising to a user, determining by a computing device whether transactions of the user processed by the transaction handler satisfy the set of selection criteria; and if the transactions of the user satisfy the set of selection criteria, selecting by the computing device an advertisement of one merchant of the plurality of merchants based at least in part on the bids received from the merchants. - 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 tangible computer-readable storage medium storing instructions which, when executed on a computer, cause the computer to perform a method comprising:
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providing a user interface to receive a set of selection criteria and a plurality of bids, from a plurality of merchants respectively, for future opportunities to present advertisements to users identified by the set of selection criteria, the set of selection criteria configured to select based on spending patterns identified from transaction data generated at a transaction handler; in response to an opportunity for advertising to a user, determining by a computer whether transactions of the user processed by the transaction handler satisfy the set of selection criteria; and if the transactions of the user satisfy the set of selection criteria, selecting by the computer an advertisement of one merchant of the plurality of merchants based at least in part on the bids received from the merchants.
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19. A computing apparatus, 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; a portal configured to provide a user interface to receive a set of selection criteria and a plurality of bids, from a plurality of merchants respectively, for future opportunities to present advertisements to users identified by the set of selection criteria, the set of selection criteria configured to select based on spending patterns identified from transaction data generated at the transaction handler; and at least one processor coupled with the data warehouse and the portal and configured to determine, in response to an opportunity for advertising to a user, whether transactions of the user processed by the transaction handler satisfy the set of selection criteria.
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Specification