Buyer-driven targeting of purchasing entities
First Claim
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1. A method for buyer-driven targeting utilizing a computer-implemented system comprising:
- obtaining first information from each of a plurality of third party advertisers about at least one different preferential contingent incentive that the respective advertiser is willing to offer to select buyer entities relating to the sale of at least one of its respective products and services, utilizing the computer-implemented system;
receiving on the initiative and with the consent of a buyer entity a permission to use data from a part of a credit report of the buyer entity or second information verifiably contained in the credit report, to make at least one decision associated with the offering of at least one incentive to said buyer entity, said permission allowing said offering through at least two distribution channels with respect to an incentive which promotes a purchase of at least one of a product and a service, said purchase not being the object of a prior application for credit by said buyer entity;
receiving an indication from said buyer entity as to which part of said data thereof is allowed for said use;
storing third information associated with said indicated part of said data;
deriving at least one data point associated with said buyer entity front the indicated part of said data, utilizing the computer-implemented system;
receiving from said buyer entity fourth information regarding its purchase activities;
storing said fourth information associated with said purchase activities;
deriving at least one other data point associated with said buyer entity from said fourth information;
making a discriminatory decision associated with at least one of said preferential contingent incentives utilizing the computer-implemented system, said preferential contingent incentive offering at least one benefit in exchange for at least one purchase-conducive action associated with a purchase of at least one of the product and service, said benefit not normally and publicly accessible in the same geographic region on terms which are at least objectively equivalent and which do not include material conditions that are different from said at least one action, said discriminatory decision regarding the at least one preferential contingent incentive that is to be offered to said buyer entity being based at least in part on said data points; and
offering via at least one of the two distribution channels said at least one of said preferential contingent incentives to said buyer entity with the condition precedent that said buyer entity has expressly given consent to the receipt of incentives, said offering being made while avoiding having transferred to any third party any full name associated with said buyer entity at the time that the preferential contingent incentive is offered but has not vet been responded to unless said buyer entity has given its explicit authorization to said transfer.
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Abstract
A method for buyer-driven targeting comprising the steps of: separately receiving from each of a plurality of buyer entities a respective third party proof of purchase record; entering information contained in the received proof of purchase records into a searchable electronic database; obtaining search criteria for the database; searching the information in the database based on the search criteria to obtain a group of buyer entities; and providing an incentive to each of a plurality of the buyer entities in the group.
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Citations
30 Claims
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1. A method for buyer-driven targeting utilizing a computer-implemented system comprising:
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obtaining first information from each of a plurality of third party advertisers about at least one different preferential contingent incentive that the respective advertiser is willing to offer to select buyer entities relating to the sale of at least one of its respective products and services, utilizing the computer-implemented system;
receiving on the initiative and with the consent of a buyer entity a permission to use data from a part of a credit report of the buyer entity or second information verifiably contained in the credit report, to make at least one decision associated with the offering of at least one incentive to said buyer entity, said permission allowing said offering through at least two distribution channels with respect to an incentive which promotes a purchase of at least one of a product and a service, said purchase not being the object of a prior application for credit by said buyer entity;
receiving an indication from said buyer entity as to which part of said data thereof is allowed for said use;
storing third information associated with said indicated part of said data;
deriving at least one data point associated with said buyer entity front the indicated part of said data, utilizing the computer-implemented system;
receiving from said buyer entity fourth information regarding its purchase activities;
storing said fourth information associated with said purchase activities;
deriving at least one other data point associated with said buyer entity from said fourth information;
making a discriminatory decision associated with at least one of said preferential contingent incentives utilizing the computer-implemented system, said preferential contingent incentive offering at least one benefit in exchange for at least one purchase-conducive action associated with a purchase of at least one of the product and service, said benefit not normally and publicly accessible in the same geographic region on terms which are at least objectively equivalent and which do not include material conditions that are different from said at least one action, said discriminatory decision regarding the at least one preferential contingent incentive that is to be offered to said buyer entity being based at least in part on said data points; and
offering via at least one of the two distribution channels said at least one of said preferential contingent incentives to said buyer entity with the condition precedent that said buyer entity has expressly given consent to the receipt of incentives, said offering being made while avoiding having transferred to any third party any full name associated with said buyer entity at the time that the preferential contingent incentive is offered but has not vet been responded to unless said buyer entity has given its explicit authorization to said transfer. - View Dependent Claims (3, 4, 5, 6, 7, 8, 9)
said purchase not being the object of a prior application for credit by said buyer entity; receiving from said buyer entity a response containing said permission including an indication from said buyer entity as to which part of said data thereof is allowed for said use;
storing information associated with said elected part of said data;
deriving at least one data point associated with said buyer entity from the elected part of said data, utilizing the computer-implemented system;
receiving from said buyer entity voluntarily, and separately from the ordinary course of buying of that buyer entity, at least one of;
at least one respective third party purchase record or authorization to obtain said record from a third party;
storing said data, utilizing the computer-implemented system;
making a discriminatory decision associated with one of said preferential contingent incentives utilizing the computer-implemented system, said preferential contingent incentive offering at least one benefit in exchange for at least one purchase-conducive action associated with a purchase of at least one item, said item not being an item for which said buyer entity has made a prior application for credit, said benefit not normally and publicly accessible in the same geographic region on terms which are at least objectively equivalent and which do not include material conditions that are different from said at least one action, said discriminatory decision regarding the at least one preferential contingent incentive that is to be offered to said buyer entity being based at least in part on said data and said credit report; and
offering said one of said preferential contingent incentives to said buyer entity with the condition precedent that said buyer entity has expressly given consent to the receipt of incentives, said offering being made while avoiding having transferred to any third includes providing electronic access to these advertisers to a database comprising buyer entities and purchase information of these buyer entities.
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8. The method as defined in claim 1, or 2, wherein at least one preferential contingent incentive is offered via electronic mail.
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9. The method as defined in claim 1, or 2, wherein at least one preferential contingent incentive is offered via a mobile device, and wherein the selection of the offered preferential contingent incentive depends in part on location data received from that mobile device.
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2. A method for buyer-driven targeting utilizing a computer-implemented system comprising:
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obtaining information from each of a plurality of third party advertisers about at least one different preferential contingent incentive the respective third party advertiser is willing to offer to select buyer entities relating to the sale of at least one of its respective products and services, utilizing the computer-implemented system;
creating rules based on said information for triggering the automatic generation of offers to select buyer entities depending on thresholds established in part with respect to information obtained from said buyer entities;
receiving on the initiative and with the consent of a buyer entity a permission to use data from a part of a credit report of the buyer entity or information verifiably contained in the credit report, to make at least one decision associated with the offering of at least one incentive to said buyer entity, said permission allowing said offering through at least two distribution channels with respect to an incentive which promotes the purchase of an item, said purchase not being the object of a prior application for credit by said buyer entity;
receiving from said buyer entity a response containing said permission including an indication from said buyer entity as to which part of said data thereof is allowed for said use;
storing information associated with said elected part of said data;
deriving at least one data point associated with said buyer entity from the elected part of said data, utilizing the computer-implemented system;
receiving from said buyer entity voluntarily, and separately from the ordinary course of buying of that buyer entity, at least one of;
at least one respective third party purchase record or authorization to obtain said record from a third party;
storing said data, utilizing the computer-implemented system;
making a discriminatory decision associated with one of said preferential contingent incentives utilizing the computer-implemented system, said preferential contingent incentive offering at least one benefit in exchange for at least one purchase-conducive action associated with a purchase of at least one item, said item not being an item for which said buyer entity has made a prior application for credit, said benefit not normally and publicly accessible in the same geographic region on terms which are at least objectively equivalent and which do not include material conditions that are different from said at least one action, said discriminatory decision regarding the at least preferential contingent incentive that is to be offered to said buyer entity being based at least in part on said data and said credit report; and
offering said one of said preferential contingent incentives to said buyer entity with the condition precedent that said buyer entity has expressly given consent to the receipt of said-incentives, said offering being made while avoiding having transferred to any third party any full name associated with said buyer entity at the time that the preferential contingent incentive is offered but has not yet been responded to unless said buyer entity has given its explicit authorization to said transfer; and
retrieving additional information from the credit report of the buyer entity with the condition precedent that the buyer entity has provided a revocable permission to continue using part of its credit report for the offering of incentives, and with the further condition precedent that the buyer entity has not revoked said permission; and
automatically offering at least one of said preferential contingent incentives to said buyer entity when said thresholds calculated based on said rules have been met or exceeded. - View Dependent Claims (10)
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11. A system for buyer-driven targeting utilizing a computer-implemented system comprising:
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means for obtaining first information from each of a plurality of third party advertisers about at least one different preferential contingent incentive that the respective advertiser is willing to offer to select buyer entities relating to the sale of at least one of its respective products and services, utilizing the computer-implemented system;
means for receiving on the initiative and with the consent of a buyer entity a permission to use data from a part of a credit report of the buyer entity or second information verifiably contained in the credit report, to make at least one decision associated with the offering of at least one incentive to said buyer entity, said permission allowing said offering through at least two distribution channel;
with respect to an incentive which promotes a purchase of at least one of;
a product and a service, said purchase not being the object of a prior application for credit by said buyer entity;
means for receiving an indication from said buyer entity as to which part of said data thereof is allowed for said use;
means for storing third information associated with said indicated part of said data;
means for deriving at least one data point associated with said buyer entity from the indicated part of said data, utilizing the computer-implemented system;
means for receiving from said buyer entity fourth information regarding its purchase activities;
means for storing said fourth information associated with said purchase activities;
means for deriving at least one other data point associated with said buyer entity from said fourth information;
means for making a discriminatory decision associated with at least one of said preferential contingent incentives utilizing the computer-implemented system, said preferential contingent incentive offering at least one benefit in exchange for at least one purchase-conducive action associated with a purchase of at least one of the product and service, said benefit not normally and publicly accessible in the same geographic region on terms which are at least objectively equivalent and which do not include material conditions that are different from said at least one action, said discriminatory decision regarding the at least one preferential contingent incentive that is to be offered to said buyer entity being based at least in part on said data points; and
means for offering via at least one of the two distribution channels said at least one of said preferential contingent incentives to said buyer entity with the condition precedent that said buyer entity has expressly given consent to the receipt of incentives, said offering being made while avoiding having transferred to any third party any full name associated with said buyer entity at the time that the preferential contingent incentive is offered but has not yet been responded to unless said buyer entity has given its explicit authorization to said transfer. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18)
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19. A system for buyer-driverr targeting utilizing a computer-implemented system comprising:
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means for obtaining information from each of a plurality of third party advertisers about at least one different preferential contingent incentive the respective third party advertiser is willing to offer to select buyer entities relating to the sale of at least one of its respective products and services, utilizing the computer-implemented system;
means for creating rules based on said information for triggering the automatic generation of offers to select buyer entities depending on thresholds established in part with respect to information obtained from said buyer entities;
means for receiving on the initiative and with the consent of a buyer entity a permission to use data from a part of a credit report of the buyer entity or information verifiably contained in the credit report, to make at least one decision associated with the offering of at least one incentive to said buyer entity, said permission allowing said offering through at least two distribution channels with respect to an incentive which promotes the purchase of an item, said purchase not being the object of a prior application for credit by said buyer entity;
means for receiving from said buyer entity a response containing said permission including an indication from said buyer entity as to which part of said data thereof is allowed for said use;
means for storing information associated with said elected part of said data;
means for deriving at least one data point associated with said buyer entity from the elected part of said data, utilizing the computer-implemented system;
means for receiving from said buyer entity voluntarily, and separately from the ordinary course of buying of that buyer entity, at least one of;
at least one respective third party purchase record or authorization to obtain said record from a third party;
means for storing said data, utilizing the computer-implemented system;
means for making a discriminatory decision associated with one of said preferential contingent incentives utilizing the computer-implemented system, said preferential contingent incentive offering at least one benefit in exchange for at least one purchase-conducive action associated with a purchase of at least one item, said item not being an item for which said buyer entity has made a prior application for credit, said benefit not normally and publicly accessible in the same geographic region on terms which are at least objectively equivalent and which do not include material conditions that are different from said at least one action, said discriminatory decision regarding the at least one preferential contingent incentive that is to be offered to said buyer entity being based at least in part on said data and said credit report; and
means for offering one of said preferential contingent incentives to said buyer entity with the condition precedent that said buyer entity has expressly given consent to the receipt of incentives, said offering being made while avoiding having transferred to any third party any full name associated with said buyer entity at the time that the preferential contingent incentive is offered but has not yet been responded to unless said buyer entity has given its explicit authorization to said transfer; and
means for retrieving additional information from the credit report of the buyer entity with the condition precedent that the buyer entity has provided a revocable permission to continue using part of its credit report for the offering of incentives, and with the further condition precedent that to buyer entity has not revoked said permission; and
means for automatically offering at least one of said preferential contingent incentives to said buyer entity when said thresholds calculated based on said rules have been met or exceeded. - View Dependent Claims (20)
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21. A program product for buyer-driven targeting, comprising machine-readable program code for causing, when executed, a machine to perform the following steps:
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obtaining first information from each of a plurality of third party advertisers about at least one different preferential contingent incentive that the respective advertiser is willing to offer to select buyer entities relating to the sale of at least one of its respective products and services, utilizing the computer-implemented system;
receiving on the initiative and with the consent of a buyer entity a permission to use data from a part of a credit report of the buyer entity or second information verifiably contained in the credit report, to make at least one decision associated with the offering of at least one incentive to said buyer entity, said permission allowing said offering through at least two distribution channels with respect to an incentive which promotes a purchase of at least one of;
a product and a service for which said buyer entity has not made a prior application for credit, said purchase not being the object of a prior application for credit by said buyer entity;
receiving from said buyer entity an indication from said buyer entity as to which part of said data thereof is allowed for said use;
storing third information associated with said indicated part of said data;
deriving at least one data point associated with said buyer entity front the indicated part of said data, utilizing the computer-implemented system;
receiving from said buyer entity fourth information regarding its purchase activities;
storing said fourth information associated with said purchase activities;
deriving at least one other data point associated with said buyer entity from said fourth information;
making a discriminatory decision associated with the at least one of said preferential contingent incentives utilizing the computer-implemented system, said incentive offering at least one benefit in exchange for at least one purchase-conducive action associated with a purchase of at least one of the product and service, said benefit not normally and publicly accessible in the same geographic region on terms which are at least objectively equivalent and which do not include material conditions that are different from said at least one action, said discriminatory decision regarding the at least one preferential contingent incentive that is to be offered to said buyer entity being based at least in part on said data points; and
offering via at least one of the two distribution channels said at least one of said preferential contingent incentives to said buyer entity with the condition precedent that said buyer entity has expressly given consent to the receipt of incentives, said offering being made while avoiding having transferred to any third party any full name associated with said buyer entity at the dine that the preferential contingent incentive is offered but has not yet been responded to unless said buyer entity has given its explicit authorization to said transfer. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28)
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29. A program product for buyer-driven targeting, comprising machine-readable program code for causing, when executed, a machine to perform the following steps:
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obtaining information from each of a plurality of third party advertisers at least one different preferential contingent incentive the respective third party advertiser is willing to offer to select buyer entities relating to the sale of at least one of its respective products and services, utilizing the computer-implemented system;
creating rules based on said information for triggering the automatic generation of offers to select buyer entities depending on thresholds established in part with respect to information obtained from said buyer entities;
receiving on the initiative end with the consent of a buyer entity a permission to use data from a part of a credit report of the buyer entity or information verifiably contained in the credit report, to make at least one decision associated with the party any full name associated with said buyer entity at the time that the preferential contingent incentive is offered but has not yet been responded to unless said buyer entity has given its explicit authorization to said transfer; and
retrieving additional information from the credit report of the buyer entity with the condition precedent that the buyer entity has provided a revocable permission to continue using part of its credit report fir the offering of incentives, and with the further condition precedent that the buyer entity has not revoked said permission; and
automatically offering at least one of said preferential contingent incentives to said buyer entity when said thresholds calculated based on said rules have been met or exceeded. - View Dependent Claims (30)
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Specification