Module ID based targeted marketing

• US 9,269,086 B2
• Filed: 10/08/2008
• Issued: 02/23/2016
• Est. Priority Date: 11/29/2007
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Hurry, Simon J.
• Primary Examiner(s): Huang, Tsan-Yu J
• Application Number:
  US12/247,223
• Publication Number:
  US 20090144204A1
• Time in Patent Office: 2,694 Days
• Field of Search: 705/26.1, 705/64
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: H04N 21/2542 for selling goods, e.g. TV shopping payment schemes, payment architectures or payment protocols for electronic shopping systems G06Q20/12
• CPC Class Codes: H04N 21/2543 Billing , e.g. for subscription services payment schemes, architectures or protocols G06Q20/00; e-commerce G06Q30/00; arrangements for billing for the use of broadcast information or broadcast-related information H04H60/21
• CPC Class Codes: H04N 21/4182 for identification purposes, e.g. storing user identification data, preferences, personal settings or data restricting access to computer systems by authenticating users using a predetermined code in combination with an additional device, e.g. dongle or smart card G06F21/123
• CPC Class Codes: H04N 21/42684 Client identification by a unique number or address, e.g. serial number, MAC address, socket ID network arrangements, protocols or services for addressing or naming H04L61/00
• CPC Class Codes: H04N 21/47815 Electronic shopping payment schemes, payment architectures or payment protocols for electronic shopping systems G06Q20/12

Abstract

A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID. The system is further operable to perform a key rotation to protect payment account information.

Claims

1. A method, comprising:

receiving, by a payment card processor server computer, a payment authorization request message, the payment authorization message being generated in response to a purchase selection message, wherein the payment authorization message includes encrypted payment account information associated with a user payment account and at least one of a purchase price, an item description, a merchant ID, an identification of an advertiser, and a time stamp;

receiving, by the payment card processor server computer via a network that couples a media device to the payment card processor server computer, a media device ID associated with the media device that generated the purchase selection message, wherein the media device is associated with the user payment account;

determining the encrypted payment account information from the received payment authorization request message, the encrypted payment account information having been retrieved from a smart card in the media device;

selecting, by the payment card processor server computer, an encryption key based upon the media device ID;

decrypting, by the payment card processor server computer, the encrypted payment account information using the encryption key to generate decrypted payment account information;

extracting, by the payment card processor server computer, a user address from the decrypted payment account information;

storing, by the payment card processor server computer, purchase data including the user address and at least one of the purchase price, the item description, the merchant ID, a user descriptor, advertiser information and the time stamp, wherein the user address is stored as a purchase location; and

generating, by the payment card processor server computer, a user demographics report using at least a portion of the stored purchase data.

2. The method of claim 1 further including:

defining at least one demographic area that includes the user address, wherein the generated user demographics report includes at least a portion of the stored purchase data that corresponds to the at least one demographic area.

3. The method of claim 2 further including transmitting the user demographics report to an advertisement server to support dissemination of an advertisement based on the user demographics report corresponding to the at least one demographic area.

4. The method of claim 1 further including processing the user demographics report to identify one of a plurality of advertisers having sales that correspond to the user demographics report.

5. The method of claim 1 wherein the user demographics report identifies advertisement effectiveness in relation to the purchase data.

6. The method of claim 1 further including receiving a media content identifier that corresponds to media being presented by the media device at a time the purchase selection message was generated by the media device.

7. The method of claim 6 further including identifying purchase data in relation to the media content identifier for at least one demographic area.

8. The method of claim 1 wherein the purchase selection message is for purchasing media content.

9. The method of claim 1 wherein the payment authorization request is generated by a merchant server.

18. The method of claim 1 further comprising:

determining that the media device that generated the purchase selection message is an authorized media device, wherein the determination is made upon successfully decrypting the encrypted payment account information using the encryption key.

19. The method of claim 1 wherein the user demographics report defines at least one demographic area that includes the user address and includes an analysis based on at least a portion of the stored purchase data that corresponds to the at least one defined demographic area.

20. The method of claim 1 further comprising:

providing the demographics report to at least one advertisement server, wherein an advertisement is generated based on the demographics report and provided to one or more media devices for display.

10. A payment card company system, comprising:

one or more processors; and

memory coupled to the one or more processors wherein the one or more processors is operable to;

receive a payment authorization request message that is generated in response to a purchase selection message, wherein the payment authorization message includes encrypted payment account information associated with a user payment account and at least one of a purchase price, an item description, a merchant ID, an identification of an advertiser, and a time stamp;

receive, via a network that couples a media device to a payment card processor server, a media device ID associated with the media device that generated the purchase selection message, wherein the media device is associated with the user payment account;

determine the encrypted payment account information from the received payment authorization request message, the encrypted payment account information having been retrieved from a smart card in the media device;

select an encryption key based upon the media device ID;

decrypt the encrypted payment account information using the encryption key;

upon successfully decrypting the encrypted payment account information, identify a user address from the decrypted payment account information;

store purchase data including the user address and at least one of the purchase price, the item description, the merchant ID, a user descriptor, advertiser information, and the time stamp, wherein the user address is stored as a purchase location; and

generate a user demographics report using at least a portion of the stored purchase data.

11. The payment card company system of claim 10 wherein the one or more processors is further operable to:

define at least one demographic area that includes the user address, wherein the generated user demographics report includes at least a portion of the stored purchase data that corresponds to the at least one demographic area.

12. The payment card company system of claim 11 wherein the one or more processors is further operable to transmit the user demographics report to an advertisement server to support dissemination of an advertisement based on the user demographics report corresponding to the at least one demographic area.

13. The payment card company system of claim 10 wherein the one or more processors is further operable to identify one of a plurality of advertisers having sales that correspond to the user demographics report.

14. The payment card company system of claim 10 wherein the one or more processors is further operable to identify advertisement effectiveness in relation to the purchase data.

15. The payment card company system of claim 10 wherein the one or more processors is further operable to receive a media content identifier that corresponds to media being played for the user at a time the purchase selection message was generated by the media device.

16. The payment card company system of claim 15 wherein the user demographics report identifies purchase data in relation to at least one content identifier for the at least one demographic area.

17. The payment card company system of claim 10 wherein the payment card company system comprises the payment card processor server and a payment card issuer server.

21. The payment card company system of claim 10 wherein the one or more processors is further operable to:

determine that the media device that generated the purchase selection message is an authorized media device, wherein the determination is made upon successfully decrypting the encrypted payment account information using the encryption key.

22. The payment card company system of claim 10 wherein the user demographics report defines at least one demographic area that includes the user address and includes an analysis based on at least a portion of the stored purchase data that corresponds to the at least one defined demographic area.

23. The payment card company system of claim 10 wherein the one or more processors is further operable to:

provide the demographics report to at least one advertisement server, wherein an advertisement is generated based on the demographics report and provided to one or more media devices for display.