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Systems and methods to deliver targeted advertisements to audience

  • US 8,606,630 B2
  • Filed: 08/30/2011
  • Issued: 12/10/2013
  • Est. Priority Date: 10/09/2009
  • Status: Active Grant
First Claim
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1. A computer-implemented method, comprising:

  • storing, in a computing apparatus, transaction data of a user, wherein the transaction data is related to a plurality of transactions processed at a transaction handler, each of the transactions being processed to make a payment from an issuer to an acquirer via the transaction handler in response to an account identifier, as issued by the issuer to the user, being submitted by a merchant to the acquirer, the issuer to make the payment on behalf of the user, the acquirer to receive the payment on behalf of the merchant;

    generating, by the computing apparatus, a profile based on the transaction data of the user, the profile summarizing the transaction data of the user using a plurality of values representing aggregated spending in various areas, whereinthe values are computed based on factor definitions identified from a factor analysis of a plurality of variables,the variables aggregate the transactions based on merchant categories, andthe factor analysis is based on transaction data associated with a plurality of users;

    identifying, by the computing apparatus, an advertisement based on the profile; and

    providing, by the computing apparatus, the advertisement for presentation to the user.

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