System and Method for Targeted Marketing and Consumer Resource Management

• US 20130218684A1
• Filed: 03/15/2013
• Published: 08/22/2013
• Est. Priority Date: 07/27/2006
• Status: Active Grant

• Current Assignee: Blackhawk Network Incorporated (Albertsons Cos., Inc.), Leverage Inc.
• Original Assignee: Blackhawk Network Incorporated (Albertsons Cos., Inc.)
• Inventors: Roberts, Mark E., Mathe, Jennifer K., Nguyen, Khahn
• Granted Patent: US 10,755,298 B2
• Time in Patent Office: Days
• US Class Current: 705/14.64
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0229 Multi-merchant loyalty card systems
• CPC Class Codes: G06Q 30/0233 Method of redeeming a frequent usage reward
• CPC Class Codes: G06Q 30/0234 Rebates after completed purchase
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0255 based on user history
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 30/0621 Item configuration or customization
• CPC Class Codes: G06Q 50/01 Social networking

Abstract

Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

Claims

1. A computer-implemented method for electronic offers, the method comprising:

providing one or more consumer with a targeted communication selected from the group consisting of offers, coupons, and advertisements, wherein the communication is related to provider products and services and wherein the communications relate to a targeting method which comprises demographic, geographic, consumer preferences, consumer psychographics, recent purchases, recent uses, gift card ownership, store credit ownership, loyalty program memberships, event calendar, travel calendar, word of mouth, and/or previous campaign participation.

2. The computer-implemented method of claim 1, wherein the communication is delivered to the POS by an enterprise infrastructure at the time of a consumer purchase and is based on purchase information received by the enterprise infrastructure from the consumer purchase.

3. The computer-implemented method of claim 1, wherein the targeting method relates to consumer information from an electronic wallet.

4. The computer-implemented method of claim 1, wherein the targeted communication is provided by an enterprise infrastructure.

5. The computer-implemented method of claim 1, wherein the targeted communication is provided to an electronic wallet of a consumer.

6. The computer-implemented method of claim 4, wherein the enterprise infrastructure allows the consumer to electronically view the targeted communication and reasons for receipt of the targeted communication.

7. The computer-implemented method of claim 1, wherein targeted communication provides an option for the consumer regarding whether to activate the communication before receipt of the actual offer, coupon, or advertisement.

8. The computer-implemented method of claim 4, wherein the enterprise infrastructure allows the consumer to modify how the consumer is targeted.

9. The computer-implemented method of claim 1, wherein the target communication is based on a combination of two or more targeting methods.

10. The computer-implemented method of claim 9, wherein one of the targeting methods is geographical location.

11. The computer-implemented method of claim 1, wherein the targeting method relates to a future geographical location identified on an online calendar.

12. The computer-implemented method of claim 1, wherein the target communication is delivered to an online consumer profile based on a targeting method related to that consumer profile.

13. The computer-implemented method of claim 1, wherein the targeting method is an event selected from a birthday or wedding, wherein the event is identified in an online consumer profile.

14. The computer-implemented method of claim 4, wherein the enterprise infrastructure solicits targeted communications from vendors based on one or more consumer target methods.

15. The computer-implemented method of claim 4, wherein the enterprise infrastructure solicits targeted communications from vendors based on two or more consumer target methods.

16. The computer-implemented method of claim 4, wherein the enterprise infrastructure solicits targeted communications from vendors based on one or more consumer target methods, wherein at least one target method is an event identified in an online profile of the consumer receiving the targeted communication.

17. The computer-implemented method of claim 4, wherein the targeted communication can be viewed by the consumer'"'"'s mobile device.

18. The computer-implemented method of claim 17, wherein the targeted communication is a code transmitted to a consumer'"'"'s mobile device.

19. The computer-implemented method of claim 1, wherein the targeted communication can be viewed using personal computers, laptops, handheld devices, mobile phones, kiosks or any other computing device capable of running World-Wide Web client applications.

20. The computer-implemented method of claim 19, wherein the targeted communication is delivered by an enterprise infrastructure to a consumer account, wherein access to the customer account is restricted.