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SMART ANALYTICS FOR AUDIENCE-APPROPRIATE COMMERCIAL MESSAGING

  • US 20150095146A1
  • Filed: 04/02/2014
  • Published: 04/02/2015
  • Est. Priority Date: 04/02/2014
  • Status: Abandoned Application
First Claim
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1. A computer program product for centralized hosting of business applications, comprising software instructions for enabling a payments processor network server to:

  • monitor consumer purchase transaction and payment data independently communicated with individual merchant transaction servers and a payments processor server;

    identify individual consumers from many instances of consumer purchase transaction and payment data coming over time over many unrelated connections to independent merchant transaction servers;

    collect and organize consumer purchase information derived from the transaction and payment data according to the consumer identities recognized;

    characterize what is important to each identified consumer and forecast what they are likely to buy from intimations obtainable from records of what they did buy, when they bought it, what was bought in combination, where it was bought, what the total purchases were, and any strong correlations to other available data;

    enroll individual ones of many merchant transaction servers connected to the payments processor server to access conclusions calculated as to what is important to each identified consumer and forecasts of what they are likely to buy; and

    service real-time requests by enrolled ones of the merchant transaction servers for said conclusions;

    wherein, enrolled ones of the merchant transaction servers are enabled by said conclusions to offer messages and incentives of interest to a correspondingly identified consumer at the time of their concluding another transaction with a merchant.

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