MOBILE MARKETING AND TARGETING USING PURCHASE TRANSACTION DATA
First Claim
1. A method for making a targeted offer by a telecommunication entity to an audience of potential acceptors, said method comprising:
- receiving from the telecommunication entity, from one or more databases, a first set of information including billing activities attributable to said telecommunication entity and payment activities attributable to said audience of potential acceptors, by a financial transaction processing entity;
retrieving by the financial transaction processing entity, from one or more databases, a second set of information including billing activities attributable to said financial transaction processing entity and purchasing and payment activities attributable to said audience of potential acceptors;
generating one or more predictive behavioral models based at least in part on the first set of information and the second set of information;
identifying activities and characteristics attributable to said audience of potential acceptors based on the one or more predictive behavioral models; and
conveying to the telecommunication entity said activities and characteristics attributable to said audience of potential acceptors based on the one or more predictive behavioral models, to enable the telecommunication entity to make a targeted offer to the audience of potential acceptors.
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Accused Products
Abstract
A method for making a targeted offer by a telecommunication entity to an audience is provided. The method involves receiving from the telecommunication entity a first set of information including billing activities attributable to the telecommunication entity and payment activities attributable to the audience, by a financial transaction processing entity; retrieving by the financial transaction processing entity a second set of information including billing activities attributable to the financial transaction processing entity and purchasing and payment activities attributable to the audience; and generating one or more predictive behavioral models based at least in part on the first set and second set of information. The method also involves identifying activities and characteristics attributable to the audience based on the predictive behavioral models, and conveying those to the telecommunication entity. A system for making a targeted offer by a telecommunication entity to an audience is also provided.
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Citations
23 Claims
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1. A method for making a targeted offer by a telecommunication entity to an audience of potential acceptors, said method comprising:
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receiving from the telecommunication entity, from one or more databases, a first set of information including billing activities attributable to said telecommunication entity and payment activities attributable to said audience of potential acceptors, by a financial transaction processing entity; retrieving by the financial transaction processing entity, from one or more databases, a second set of information including billing activities attributable to said financial transaction processing entity and purchasing and payment activities attributable to said audience of potential acceptors; generating one or more predictive behavioral models based at least in part on the first set of information and the second set of information; identifying activities and characteristics attributable to said audience of potential acceptors based on the one or more predictive behavioral models; and conveying to the telecommunication entity said activities and characteristics attributable to said audience of potential acceptors based on the one or more predictive behavioral models, to enable the telecommunication entity to make a targeted offer to the audience of potential acceptors. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A system for making a targeted offer by a telecommunication entity to an audience of potential acceptors, said system comprising:
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one or more databases configured to store a first set of information including billing activities attributable to said telecommunication entity and payment activities attributable to said audience of potential acceptors; one or more databases configured to store a second set of information including billing activities attributable to a financial transaction processing entity and purchasing and payment activities attributable to said audience of potential acceptors; a processor configured to; generate one or more predictive behavioral models based at least in part on the first set of information and the second set of information; and identify activities and characteristics attributable to said audience of potential acceptors based on the one or more predictive behavioral models; and a device for conveying to the telecommunication entity said activities and characteristics attributable to said audience of potential acceptors based on the one or more predictive behavioral models, to enable the telecommunication entity to make a targeted offer to the audience of potential acceptors. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20)
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21. A method for generating one or more predictive behavioral models, said method comprising:
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retrieving, from one or more databases, information including activities and characteristics attributable to one or more payment card holders; analyzing the information to determine behavioral information of the one or more payment card holders; extracting information related to an intent of the one or more payment card holders from the behavioral information; and generating one or more predictive behavioral models based on the behavioral information and intent of the one or more payment card holders;
the one or more payment card holders having a propensity to carry out certain activities based on the one or more predictive behavioral models. - View Dependent Claims (22, 23)
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Specification