SYSTEM AND METHOD FOR CARD-LINKED SERVICES

• US 20150127457A1
• Filed: 11/04/2013
• Published: 05/07/2015
• Est. Priority Date: 11/04/2013
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Feldman, Jason A.
• Granted Patent: US 9,760,908 B2
• Time in Patent Office: Days
• US Class Current: 705/14.53
• CPC Class Codes: G06F 3/011 Arrangements for interaction with the human body, e.g. for user immersion in virtual reality blind teaching G09B21/00
• 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: G06T 1/0021 Image watermarking
• CPC Class Codes: G06T 3/02 Affine transformations for image registration G06T3/147; for image mosaicing G06T3/4038
• CPC Class Codes: H04N 21/41415 involving a public display, viewable by several users in a public space outside their home, e.g. movie theatre, information kiosk

Abstract

A system and method are disclosed for providing a promotion associated with a transaction account. Target viewer information associated with at least one person targeted to receive an ad is identified. In accordance with the target viewer information and the ad, a probability of the at least one person to accept the promotion is determined. Promotion information associated with the promotion is selected as a function of the determined probability, and the promotion information is transmitted to a computing device associated with the at least one person. An acceptance of the promotion is received from the computing device associated with the at least one person, and processed to associate the promotion with the transaction account.

Claims

1. A computer-implemented method for providing a promotion associated with a transaction account, the method comprising:

identifying, with one or more processors, target viewer information associated with at least one person targeted to receive an advertisement;

determining, with one or more processors and in accordance with the target viewer information and the advertisement, a probability of the at least one person to accept the promotion;

selecting, with one or more processors and as a function of the determined probability, promotion information associated with the promotion;

transmitting, to a computing device associated with the at least one person, the promotion information;

receiving, from the computing device associated with the at least one person, an acceptance of the promotion; and

processing, with one or more processors and in accordance with the acceptance, the promotion information to associate the promotion with the transaction account.

2. The method of claim 1, wherein the target viewer information includes at least one of demographics, geography, browsing behavior, asset ownership data, wealth data, spending behavior, and further wherein determining the probability of the at least one person to accept the promotion includes applying analytics of the target viewer information.

3. The method of claim 2, wherein the analytics include statistical techniques to identify a propensity to accept the promotion.

4. The method of claim 2, wherein the analytics include identifying that the target viewer is associated with at least one of the respective demographic, the geography, and/or the spending behavior and identifying that the target viewer fits a historical profile of one or more people that have a propensity to accept the promotion.

5. The method of claim 2, wherein the target viewer information is stored in a cookie ID or mobile device ID.

6. The method of claim 2, wherein the target viewer information is determined after the at least one person logs into a computing device over a network and selected in advance of an advertising campaign.

7. The method of claim 1, further comprising receiving, from a computing device associated with the advertisement, at least one rule associated with the target viewer information, wherein determining the probability of the at least one person to accept the promotion is in accordance with the at least one rule.

8. The method of claim 1, wherein the at least one transaction account is securely and operatively coupled to a trusted service manager or a transaction card.

9. The method of claim 8, wherein the transaction card is at least one of a credit card, a debit card, a rewards card, a gift card, a hotel room key and a membership card.

10. The method of claim 1, further comprising identifying, with one or more processors, a propensity score associated with the advertisement and the target viewer information, wherein determining the probability of the at least one person to accept the promotion includes an application of the propensity score.

11. The method of claim 1, wherein the target viewer information is associated with a plurality of people, and further comprising:

selecting, with one or more processors and as a function of the determined probability, second promotion information associated with a second promotion;

transmitting, to a second computing device associated with at least one other person of the plurality of people, the second promotion information;

receiving, from the computing device associated with the at least one other person, an acceptance of the second promotion; and

processing, with one or more processors, the second promotion information to associate the second promotion with a second transaction account associated with the at least one other person.

12. The method of claim 1, wherein processing the promotion information to associate the promotion with the transaction account comprises:

accessing one or more databases that include information associated with purchasers and transaction accounts; and

selecting at least some of the information included in the database that corresponds with the at least one person.

13. The method of claim 1, further comprising applying the promotion as a function of a transaction associated with the product or service.

14. A system for providing a promotion associated with a transaction account, the system comprising:

one or more processors configured to interact with a computer-readable medium in order to perform operations that include;

identifying target viewer information associated with at least one person targeted to receive an advertisement;

determining, in accordance with the target viewer information and the advertisement, a probability of the at least one person to accept the promotion;

selecting, as a function of the determined probability, promotion information associated with the promotion;

transmitting, to a computing device associated with the at least one person, the promotion information;

receiving, from the computing device associated with the at least one person, an acceptance of the promotion; and

processing the promotion information and in accordance with the acceptance to associate the promotion with the transaction account.

15. The system of claim 14, wherein the target viewer information includes at least one of demographics, geography, and spending behavior, and further wherein determining the probability of the at least one person to accept the promotion includes applying analytics of the target viewer information.

16. The system of claim 15, wherein the analytics include statistical techniques to identify a propensity to accept the promotion.

17. The system of claim 15, wherein the analytics include identifying that the target viewer is associated with at least one of the respective demographic, the geography, and/or the spending behavior and identifying that the target viewer fits a historical profile of one or more people that have a propensity to accept the promotion.

18. The system of claim 15, wherein the target viewer information is stored in a cookie ID or mobile device ID.

19. The system of claim 15, wherein the target viewer information is determined after the at least one person logs into a computing device over a network.

20. The system of claim 14, wherein the one or more processors are further configured to perform operations that include:

receiving, from a computing device associated with the advertisement, at least one rule associated with the target viewer information, and wherein determining the probability of the at least one person to accept the promotion is in accordance with the at least one rule.

21. The system of claim 14, wherein the at least one transaction account is securely and operatively coupled to a trusted service manager or a transaction card.

22. The system of claim 14, wherein the transaction card is at least one of a credit card, a debit card, a rewards card, a gift card, a hotel room key and a membership card.

23. The system of claim 14, wherein the one or more processors are further configured to perform operations that include:

identifying, with one or more processors, a propensity score associated with the advertisement and the target viewer information, wherein determining the probability of the at least one person to accept the promotion includes an application of the propensity score.

24. The system of claim 14, wherein the target viewer information is associated with a plurality of people, and wherein the one or more processors are further configured to perform operations that include:

selecting, as a function of the determined probability, second promotion information associated with a second promotion;

transmitting, to a second computing device associated with at least one other person of the plurality of people, the second promotion information;

receiving, from the computing device associated with the at least one other person, an acceptance of the second promotion; and

processing the second promotion information to associate the second promotion with a second transaction account associated with the at least one other person.

25. The system of claim 14, wherein processing the promotion information to associate the promotion with the transaction account comprises:

accessing one or more databases that include information associated with purchasers and transaction accounts; and

selecting at least some of the information included in the database that corresponds with the at least one person.

26. The system of claim 14, wherein the one or more processors are further configured to perform operations that include:

applying the promotion as a function of a transaction associated with the product or service.

27. A computer storage medium encoded with a computer program, the program comprising instructions that, when executed by one or more data processing apparatus, cause the one or more data processing apparatus to perform operations for providing a promotion associated with a transaction account, comprising:

identifying target viewer information associated with at least one person targeted to receive an advertisement;

determining, in accordance with the target viewer information and the advertisement, a probability of the at least one person to accept the promotion;

selecting, as a function of the determined probability, promotion information associated with the promotion;

transmitting, to a computing device associated with the at least one person, the promotion information;

receiving, from the computing device associated with the at least one person, an acceptance of the promotion; and

processing the promotion information and in accordance with the acceptance to associate the promotion with the transaction account.