Systems and Methods to Deliver Targeted Advertisements to Audience

• US 20110302036A1
• Filed: 08/30/2011
• Published: 12/08/2011
• Est. Priority Date: 10/09/2009
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Fordyce, Edward W. III, Winters, Michelle Eng, Siegel, Kevin Paul, Amaro, Leigh, Byce, Charles Raymond, Savas, Nurtekin
• Granted Patent: US 8,606,630 B2
• Time in Patent Office: Days
• US Class Current: 705/14.65
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0255 based on user history
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0268 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G07F 9/009 User recognition or proximity detection

Abstract

In one aspect, a system 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 generate a profile of a user based on the transaction data, an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a transaction of the user, and a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the transaction of the user. In one example, the profile includes a plurality of values representing aggregated spending of the user in various areas to summarize the transactions of the user.

Claims

1. A computer-implemented method, comprising:

storing, in a computing apparatus, transaction data of a user, wherein the transaction data is related to a plurality of transactions processed at a transaction handler, 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, as issued by the issuer to the user, being submitted by a merchant to the acquirer, the issuer to make the payment on behalf of the user, the acquirer to receive the payment on behalf of the merchant;

generating, by the computing apparatus, a profile based on the transaction data of the user, the profile summarizing the transaction data of the user using a plurality of values representing aggregated spending in various areas;

identifying, by the computing apparatus, an advertisement based on the profile; and

providing, by the computing apparatus, the advertisement for presentation to the user.

2. The method of claim 1, further comprising:

providing transaction information, related to a first transaction processed at the transaction handler, for presentation to the user, the advertisement to be presented with the transaction information.

3. The method of claim 2, wherein the advertisement is provided in response to the first transaction being processed at the transaction handler.

4. The method of claim 2, wherein the first transaction is a payment card transaction;

and the advertisement is presented in an authorization process for the payment card transaction.

5. The method of claim 2, wherein the advertisement comprises at least an offer selected from the group consisting of:

discount, incentive, reward, coupon, gift, cash back, benefit, product, and service.

6. The method of claim 1, further comprising:

in response to a user selection of the advertisement, storing an offer provided in the advertisement in an account of the user.

7. The method of claim 6, further comprising:

providing a benefit of the offer to the user in response to a payment transaction processed by the transaction handler for a purchase relevant to the advertisement.

8. The method of claim 6, further comprising:

transmitting a coupon providing the offer to a mobile phone of the user in response to a payment transaction processed by the transaction handler for a purchase relevant to the advertisement.

9. The method of claim 1, wherein the values are computed based on factor definitions identified from a factor analysis of a plurality of variables.

10. The method of claim 9, wherein the factor analysis is based on transaction data associated with a plurality of users.

11. The method of claim 9, wherein the variables aggregate the transactions based on merchant categories.

12. The method of claim 11, wherein the variables include spending frequency variables and spending amount variables.

13. The method of claim 1, wherein transactions processed by the transaction handler are classified in a plurality of merchant categories;

the plurality of values are fewer than the plurality of merchant categories to summarize aggregated spending in the plurality of merchant categories; and

each of the plurality of values indicates a level of aggregated spending of the user.

14. The method of claim 1, further comprising:

generating the profile using the transaction data of the user based on cluster definitions and factor definitions, wherein the cluster definitions and factor definitions are generated based on transaction data of a plurality of users.

15. A computer storage medium storing instructions which, when executed on a computer system, cause the computer system to perform a method, the method comprising:

storing transaction data of a user, wherein the transaction data is related to a plurality of transactions processed at a transaction handler, 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, as issued by the issuer to the user, being submitted by a merchant to the acquirer, the issuer to make the payment on behalf of the user, the acquirer to receive the payment on behalf of the merchant;

generating a profile based on the transaction data of the user, the profile summarizing the transaction data of the user using a plurality of values representing aggregated spending in various areas;

identifying an advertisement based on the profile; and

providing the advertisement for presentation to the user.

16. A system, comprising:

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 generate a profile of a user based on the transaction data, the profile including a plurality of values representing aggregated spending of the user in various areas to summarize transactions of the user;

an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a first transaction for the user; and

a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the first transaction.

17. The system of claim 16, wherein the transaction handler is to process the first transaction in response to a request from a transaction terminal;

and the advertisement is provided for presentation on the transaction terminal.

18. The system of claim 17, wherein the transaction terminal comprises an Automatic Teller Machine (ATM).

19. The system of claim 17, wherein the transaction terminal comprises a point of sale (POS) terminal.

20. The system of claim 16, wherein the advertisement is presented on a point of interaction selected from the group consisting of:

a receipt, a monthly statement, a video display, an audio channel, a mobile phone, and a website.