SYSTEMS AND METHODS FOR GENERATING AND USING A DIGITAL PASS

• US 20130030924A1
• Filed: 07/28/2011
• Published: 01/31/2013
• Est. Priority Date: 07/28/2011
• Status: Abandoned Application

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Aidasani, Dilip, Alderfer, Kimberly, King, Kate T., Parekh, Anup Anil, Rajwanit, Abbas-Ali Hassan, Rolinson, Stuart
• Application Number:
  US13/193,455
• Publication Number:
  US 20130030924A1
• Time in Patent Office: Days
• US Class Current: 705/14.66
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G07B 15/02 taking into account a variable factor such as distance or time, e.g. for passenger transport, parking systems or car rental systems G07B15/06 takes precedence; taximeters G07B13/00; parking meters per se G07F17/24; car rental systems per se G07B15/00

Abstract

A system, method, and article of manufacture for generating a digital pass is disclosed. The method may comprise retrieving a plurality of identity attributes, and grouping a subset of identity attributes in the plurality of identity attributes to generate at least one digital pass. The method may further comprise grouping a subset of static identity attributes and a subset of dynamic identity attributes to generate a digital pass.

Claims

1. A method comprising:

analyzing, by a computer-based system for targeted marketing, a digital pass of a first user comprising a group of identity attributes and associated with a preference;

inferring, by the computer-based system, a new preference based upon the analyzing;

transferring, by the computer-based system, funds from a transaction account of the first user to a transaction account of a second user associated with another digital pass;

processing, by the computer-based system, a transaction of the second user; and

providing, by the computer-based system, a reward to the first user in response to the transaction of the second user.

2. The method of claim 1, further comprising identifying, by the computer-based system, a similar user having at least one of:

a similar identity attribute and a similar preference to the first user.

3. The method of claim 2, further comprising targeting marketing, by the computer-based system, to at least one of:

the first user and the similar user.

4. The method of claim 2, further comprising assigning, by the computer-based system, the similar user a preference similar to a preference of the first user.

5. The method of claim 4, wherein the preference assigned to the similar user is categorized in a category of preferences already associated with the similar user/

6. The method of claim 4, wherein the preference assigned to the similar user is categorized in a category of preferences not already associated with the similar user.

7. The method of claim 2, further comprising linking, by the computer-based system, the first user and the similar user as part of a social network.

8. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system for targeted marketing, cause the computer-based system to perform operations comprising:

analyzing, by the computer-based system, a digital pass of a first user comprising a group of identity attributes and associated with preference;

inferring, by the computer-based system, a new preference based upon the analyzing;

transferring, by the computer-based system, funds from a transaction account of the first user to a transaction account of a second user associated with another digital pass;

processing, by the computer-based system, a transaction of the second user; and

providing, by the computer-based system, a reward to the first user in response to the transaction of the second user.

9. The article of claim 8, further comprising identifying, by the computer-based system, a similar user having at least one of:

a similar identity attribute and a similar preference to the first user.

10. The article of claim 9, further comprising targeting marketing, by the computer-based system, to at least one of:

the first user and the similar user.

11. The article of claim 9, further comprising assigning, by the computer-based system, the similar user a preference similar to a preference of the first user.

12. The article of claim 11, wherein the preference assigned to the similar user is categorized in a category of preferences already associated with the similar user.

13. The article of claim 11, wherein the preference assigned to the similar user is categorized in a category of preferences not already associated with the similar user.

14. The article of claim 9, further comprising linking, by the computer-based system, the first user and the similar user as part of a social network.

15. A system comprising:

a processor for targeted marketing;

a tangible, non-transitory memory configured to communicate with the processor,

the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to be capable of performing operations comprising;

analyzing, by the processor, a digital pass of a first user comprising a group of identity attributes and associated with a preference;

inferring, by the processor, a new preference based upon the analyzing;

transferring, by the processor, funds from a transaction account of the first user to a transaction account of a second user associated with another digital pass;

processing, by the computer-based system, a transaction of the second user; and

providing, by the computer-based system, a reward to the first user in response to the transaction of the second user.

16. The system of claim 15, further comprising identifying, by the processor, a similar user having at least one of:

a similar identity attribute and a similar preference to the first user.

17. The system of claim 16, further comprising targeting marketing, by the processor, to at least one of:

the first user and the similar user.

18. The system of claim 16, further comprising assigning, by the processor, the similar user a preference similar to a preference of the first user.

19. The system of claim 18, wherein the preference assigned to the similar user is categorized in a category of preferences already associated with the similar user.

20. The system of claim 18, wherein the preference assigned to the similar user is categorized in a category of preferences not already associated with the similar user.