METHOD AND SYSTEM FOR INTEGRATING DEVICE DATA WITH TRANSACTION DATA

• US 20150149253A1
• Filed: 04/23/2014
• Published: 05/28/2015
• Est. Priority Date: 11/22/2013
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: UNSER, Kenny, MALGATTI, Nikhil, BERNARD, Serge, BERNTSSON, Kent Olof Niklas, GERARD, Jean-Pierre
• Application Number:
  US14/259,689
• Publication Number:
  US 20150149253A1
• Time in Patent Office: Days
• US Class Current: 705/7.33
• CPC Class Codes: G06Q 30/0204 Market segmentation

Abstract

A method for linking device data to transaction history includes: storing a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a plurality of consumer characteristics and a plurality of transaction data entries, each transaction data entry corresponding to a payment transaction involving the related consumer; receiving, by a receiving device, a device profile, wherein the device profile includes device data corresponding to a consumer device and a plurality of demographic characteristics associated with a consumer associated with the corresponding consumer device; identifying, by a processing device, at least one consumer profile of the plurality of consumer profiles where at least a predefined number of the included plurality of consumer characteristics correspond to the plurality of demographic characteristics; and associating each of the identified at least one consumer profile with the device data included in the received device profile.

Claims

1. A method for linking device data to transaction history, comprising:

storing, in a database, a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a plurality of consumer characteristics and a plurality of transaction data entries, each transaction data entry corresponding to a payment transaction involving the related consumer;

receiving, by a receiving device, a device profile, wherein the device profile includes device data corresponding to a consumer device and a plurality of demographic characteristics associated with a consumer associated with the corresponding consumer device;

identifying, by a processing device, at least one consumer profile of the plurality of consumer profiles where at least a predefined number of the included plurality of consumer characteristics correspond to the plurality of demographic characteristics; and

associating, in the database, each of the identified at least one consumer profile with the device data included in the received device profile.

2. The method of claim 1, wherein the plurality of consumer characteristics includes at least one of:

age, gender, income, marital status, familial status, residential status, occupation, education, zip code, postal code, street address, county, city, state, and country.

3. The method of claim 1, wherein each transaction data entry includes at least transaction data, a consumer identifier associated with the related consumer, and a merchant identifier associated with a merchant involved in the corresponding payment transaction.

4. The method of claim 3, wherein the transaction data includes at least one of:

a transaction amount, product data, transaction time and/or date, geographic location, coupon data, and point-of-sale identifier.

5. The method of claim 1, wherein the plurality of consumer characteristics are not personally identifiable.

6. The method of claim 1, wherein the device data includes at least one of:

an internet protocol address, a media access control address, a Bluetooth signature, a Wi-Fi signature, a local area network address, a serial number, a registration number, a device identifier, a manufacturer number, video data, audio data, streaming data, media consumption data, and device name.

7. The method of claim 1, wherein the plurality of demographic characteristics are not personally identifiable.

8. A method for distributing a linked consumer profile, comprising:

storing, in a database, a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a consumer identifier associated with the related consumer, a plurality of consumer characteristics, and a plurality of transaction data entries, each transaction data entry corresponding to a payment transaction involving the related consumer;

receiving, by a receiving device, a consumer profile request, wherein the consumer profile request includes at least a specific consumer identifier;

identifying, in the database, a specific consumer profile where the included consumer identifier corresponds to the specific consumer identifier;

transmitting, by a transmitting device, a request for device data, wherein the request for device data includes at least a predefined number of the plurality of consumer characteristics included in the identified specific consumer profile;

receiving, by the receiving device, device data;

including, in the database, the received device data in the identified specific consumer profile; and

transmitting, by the transmitting device, the specific consumer profile including the received device data in response to the received consumer profile request.

9. The method of claim 8, wherein the device data is associated with a plurality of demographic characteristics, and at least the predefined number of the plurality of consumer characteristics included in the specific consumer profile correspond to the plurality of demographic characteristics.

10. The method of claim 8, wherein the plurality of consumer characteristics includes at least one of:

age, gender, income, marital status, familial status, residential status, occupation, education, zip code, postal code, street address, county, city, state, and country.

11. The method of claim 8, wherein each transaction data entry includes at least transaction data, a consumer identifier associated with the related consumer, and a merchant identifier associated with a merchant involved in the corresponding payment transaction.

12. The method of claim 11, wherein the transaction data includes at least one of:

a transaction amount, product data, transaction time and/or date, geographic location, coupon data, and point-of-sale identifier.

13. The method of claim 8, wherein the plurality of consumer characteristics are not personally identifiable.

14. The method of claim 8, wherein the device data includes at least one of:

an internet protocol address, a media access control address, a Bluetooth signature, a Wi-Fi signature, a local area network address, a serial number, a registration number, a device identifier, a manufacturer number, video data, audio data, streaming data, media consumption data, and device name.

15. The method of claim 8, wherein the plurality of demographic characteristics are not personally identifiable.

16. A system for linking device data to transaction history, comprising:

a database configured to store a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a plurality of consumer characteristics and a plurality of transaction data entries, each transaction data entry corresponding to a payment transaction involving the related consumer;

a receiving device configured to receive a device profile, wherein the device profile includes device data corresponding to a computing device and a plurality of demographic characteristics associated with a specific consumer associated with the corresponding computing device; and

a processing device configured to

identify at least one consumer profile of the plurality of consumer profiles where at least a predefined number of the included plurality of consumer characteristics correspond to the plurality of demographic characteristics, and

associate, in the database, each of the identified at least one consumer profile with the device data included in the received device profile.

17. The system of claim 16, wherein the plurality of consumer characteristics includes at least one of:

age, gender, income, marital status, familial status, residential status, occupation, education, zip code, postal code, street address, county, city, state, and country.

18. The system of claim 16, wherein each transaction data entry includes at least transaction data, a consumer identifier associated with the related consumer, and a merchant identifier associated with a merchant involved in the corresponding payment transaction.

19. The system of claim 18, wherein the transaction data includes at least one of:

a transaction amount, product data, transaction time and/or date, geographic location, coupon data, and point-of-sale identifier.

20. The system of claim 16, wherein the plurality of consumer characteristics are not personally identifiable.

21. The system of claim 16, wherein the device data includes at least one of:

an internet protocol address, a media access control address, a Bluetooth signature, a Wi-Fi signature, a local area network address, a serial number, a registration number, a device identifier, a manufacturer number, video data, audio data, streaming data, media consumption data, and device name.

22. The system of claim 16, wherein the plurality of demographic characteristics are not personally identifiable.

23. A system for distributing a linked consumer profile, comprising:

a database configured to store a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a consumer identifier associated with the related consumer, a plurality of consumer characteristics, and a plurality of transaction data entries, each transaction data entry corresponding to a payment transaction involving the related consumer;

a receiving device configured to receive a consumer profile request, wherein the consumer profile request includes at least a specific consumer identifier;

a processing device configured to identify, in the database, a specific consumer profile where the included consumer identifier corresponds to the specific consumer identifier; and

a transmitting device configured to transmit a request for device data, wherein the request for device data includes at least a predefined the plurality of consumer characteristics included in the identified specific consumer profile, wherein

the receiving device is further configured to receive device data,

the processing device is further configured to include, in the database, the received device data in the identified specific consumer profile, and

the transmitting device is further configured to transmit the specific consumer profile including the received device data in response to the transmitted device data request.

24. The system of claim 23, wherein the device data is associated with a plurality of demographic characteristics, and at least the predefined number of the plurality of consumer characteristics included in the specific consumer profile correspond to the plurality of demographic characteristics.

25. The system of claim 23, wherein the plurality of consumer characteristics includes at least one of:

age, gender, income, marital status, familial status, residential status, occupation, education, zip code, postal code, street address, county, city, state, and country.

26. The system of claim 23, wherein each transaction data entry includes at least transaction data, a consumer identifier associated with the related consumer, and a merchant identifier associated with a merchant involved in the corresponding payment transaction.

27. The system of claim 26, wherein the transaction data includes at least one of:

a transaction amount, product data, transaction time and/or date, geographic location, coupon data, and point-of-sale identifier.

28. The system of claim 23, wherein the plurality of consumer characteristics are not personally identifiable.

29. The system of claim 23, wherein the wherein the device data includes at least one of:

an internet protocol address, a media access control address, a Bluetooth signature, a Wi-Fi signature, a local area network address, a serial number, a registration number, a device identifier, a manufacturer number, video data, audio data, streaming data, media consumption data, and device name.

30. The system of claim 23, wherein the plurality of demographic characteristics are not personally identifiable.