APPARATUSES, METHODS AND SYSTEMS FOR USING A PERSONALIZED DATA REPOSITORY
First Claim
1. A personalized data repository processor-implemented method, comprising:
- receiving, over a communications network, a user'"'"'s sale transaction information corresponding to purchased goods information or purchased services information, wherein the user'"'"'s sale transaction information is aggregated and packaged from an authorized mobile communication device of the user;
receiving, over the communications network, merchant promotional offer information corresponding to promotional goods information or promotional services information;
correlating the received user'"'"'s sale transaction information with the received promotional offer information for determining one or more targeted promotional offers based on the promotional goods or promotional services information and the purchased goods or purchased services information; and
sending, over the communications network, the one or more targeted promotional offers to the mobile communication device.
1 Assignment
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Accused Products
Abstract
The APPARATUS, METHODS AND SYSTEMS FOR USING A PERSONALIZED DATA REPOSITORY (“PDR”) transform merchant promotional offer inputs and individual user or consumer transaction inputs into targeted promotional offer outputs, which are distributed to individual user or consumers. In one embodiment the method includes a personalized data repository processor-implemented method that includes receiving, over a communications network, communication messages associated with a user'"'"'s mobile communication device, whereby the communication messages associated with the user'"'"'s mobile communication device are aggregated and packaged, upon authorization, from the mobile communication device. Merchant promotional offer information corresponding to promotional goods information or promotional services information is received over the communications network. The received user'"'"'s sale transaction information is then correlated with the received promotional offer information for determining one or more targeted promotional offers based on the promotional goods or promotional services information and the purchased goods or purchased services information. The one or more targeted promotional offers are sent over the communications network to a mobile communication device of the user.
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Citations
27 Claims
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1. A personalized data repository processor-implemented method, comprising:
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receiving, over a communications network, a user'"'"'s sale transaction information corresponding to purchased goods information or purchased services information, wherein the user'"'"'s sale transaction information is aggregated and packaged from an authorized mobile communication device of the user; receiving, over the communications network, merchant promotional offer information corresponding to promotional goods information or promotional services information; correlating the received user'"'"'s sale transaction information with the received promotional offer information for determining one or more targeted promotional offers based on the promotional goods or promotional services information and the purchased goods or purchased services information; and sending, over the communications network, the one or more targeted promotional offers to the mobile communication device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A personalized data repository system, comprising:
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a memory; and a processor disposed in communication with the memory and configured to issue processing instructions stored in the memory to; receive, over a communications network, a user'"'"'s sale transaction information corresponding to purchased goods information or purchased services information, wherein the user'"'"'s sale transaction information is aggregated and packaged from an authorized mobile communication device of the user; receive, over the communications network, merchant promotional offer information corresponding to promotional goods information or promotional services information; correlate the received user'"'"'s sale transaction information with the received promotional offer information for determining one or more targeted promotional offers based on the promotional goods or promotional services information and the purchased goods or purchased services information; and send, over the communications network, the one or more targeted promotional offers to the mobile communication device of the user.
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14. A processor-readable tangible medium storing processor-issuable personalized data repository instructions to:
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receive, over a communications network, a user'"'"'s sale transaction information corresponding to purchased goods information or purchased services information, wherein the user'"'"'s sale transaction information is aggregated and packaged from an authorized mobile communication device of the user; receive, over the communications network, merchant promotional offer information corresponding to promotional goods information or promotional services information; correlate the received user'"'"'s sale transaction information with the received promotional offer information for determining one or more targeted promotional offers based on the promotional goods or promotional services information and the purchased goods or purchased services information; and send, over the communications network, the one or more targeted promotional offers to a mobile communication device.
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15. A personalized data repository processor-implemented method, comprising:
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receiving, over a communications network, a user'"'"'s account information; storing the received user'"'"'s account information at a database; receiving, from the user'"'"'s mobile communication device, a request message for accessing the user'"'"'s account information; retrieving, from the database, the user'"'"'s account information in response to the request message; and sending, to the user'"'"'s mobile communication device, the retrieved user'"'"'s account information, wherein based on the user'"'"'s account information that is sent to the user'"'"'s mobile communication device, the user'"'"'s mobile communication device engages in at least one financial transaction, wherein sale transaction information associated with the at least one financial transaction is, upon authorization, aggregated and packaged from the user'"'"'s mobile communication device. - View Dependent Claims (16, 17, 18, 19)
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20. A personalized data repository system, comprising:
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a memory; and a processor disposed in communication with the memory and configured to issue processing instructions stored in the memory to; receive, over a communications network, a user'"'"'s account information; store the received user'"'"'s account information at a database; receive, from the user'"'"'s mobile communication device, a request message for accessing the user'"'"'s account information; retrieve, from the database, the user'"'"'s account information in response to the request message; and send, to the user'"'"'s mobile communication device, the retrieved user'"'"'s account information, wherein based on the user'"'"'s account information that is sent to the user'"'"'s mobile communication device, the user'"'"'s mobile communication device engages in at least one financial transaction, wherein sale transaction information associated with the at least one financial transaction is, upon authorization, aggregated and packaged from the user'"'"'s mobile communication device.
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21. A processor-readable tangible medium storing processor-issuable personalized data repository instructions to:
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receive, over a communications network, a user'"'"'s account information; store the received user'"'"'s account information at a database; receive, from the user'"'"'s mobile communication device, a request message for accessing the user'"'"'s account information; retrieve, from the database, the user'"'"'s account information in response to the request message; and send, to the user'"'"'s mobile communication device, the retrieved user'"'"'s account information, wherein based on the user'"'"'s account information that is sent to the user'"'"'s mobile communication device, the user'"'"'s mobile communication device engages in at least one financial transaction, wherein sale transaction information associated with the at least one financial transaction is, upon authorization, aggregated and packaged from the user'"'"'s mobile communication device.
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22. A personalized data repository processor-implemented method, comprising:
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receiving, over a communications network, communication messages associated with a user'"'"'s mobile communication device, wherein the communication messages associated with the user'"'"'s mobile communication device are aggregated and packaged, upon authorization, from the mobile communication device; storing the communication messages at a database; receiving, over the communications network, merchant promotional offer information corresponding to promotional goods information or promotional services information; processing the stored communication messages by extracting keywords associated with particular goods or services from the communication messages; correlating the extracted keywords with the promotional goods or promotional services information for determining one or more targeted promotional offers; and sending, over the communications network, the one or more targeted promotional offers to the user'"'"'s mobile communication device. - View Dependent Claims (23, 24, 25)
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26. A personalized data repository system, comprising:
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a memory; and a processor disposed in communication with the memory and configured to issue processing instructions stored in the memory to; receive, over a communications network, communication messages associated with a user'"'"'s mobile communication device, wherein the communication messages associated with the user'"'"'s mobile communication device are aggregated and packaged, upon authorization, from the mobile communication device; store the communication messages at a database; receive, over the communications network, merchant promotional offer information corresponding to promotional goods information or promotional services information; process the stored communication messages by extracting keywords associated with particular goods or services from the communication messages; correlate the extracted keywords with the promotional goods or promotional services information for determining one or more targeted promotional offers; and send, over the communications network, the one or more targeted promotional offers to the user'"'"'s mobile communication device.
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27. A processor-readable tangible medium storing processor-issuable personalized data repository instructions to:
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receive, over a communications network, communication messages associated with a user'"'"'s mobile communication device, wherein the communication messages associated with the user'"'"'s mobile communication device are aggregated and packaged, upon authorization, from the mobile communication device; store the communication messages at a database; receive, over the communications network, merchant promotional offer information corresponding to promotional goods information or promotional services information; process the stored communication messages by extracting keywords associated with particular goods or services from the communication messages; correlate the extracted keywords with the promotional goods or promotional services information for determining one or more targeted promotional offers; and send, over the communications network, the one or more targeted promotional offers to the user'"'"'s mobile communication device.
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Specification