Providing incentives for consuming sponsored media content

• US 10,692,109 B1
• Filed: 02/06/2017
• Issued: 06/23/2020
• Est. Priority Date: 02/06/2017
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Inventors: Kolls, H. Brock
• Primary Examiner(s): Gartland, Scott D
• Application Number:
  US15/425,323
• Time in Patent Office: 1,233 Days
• Field of Search: 705 1449, 705 1462, 705 1463, 705 1466, 705 1471
• CPC Class Codes: G01C 21/3697 Output of additional, non-guidance related information, e.g. low fuel level G01C21/3679 takes precedence
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/123 Shopping for digital content
• CPC Class Codes: G06Q 20/145 Payments according to the detected use or quantity
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 20/40155 for triggering transactions
• CPC Class Codes: G06Q 30/0265 Vehicular advertisement
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 30/0275 Auctions

Abstract

Systems and methods for negotiating media payments paid to a consumer traveling in a vehicle include delivering sponsored media content to a device in the vehicle. In exchange for listening to the sponsored media content, a media payment is transmitted to a financial account associated with the user. In some embodiments, the media payment is higher when the sponsored media content has more geographic relevance to the consumer'"'"'s location in the vehicle.

Claims

1. A method, implemented on an electronic computing device, of negotiating a media payment paid to a consumer traveling in a vehicle, the method comprising:

on the electronic computing device positioned in the vehicle, receiving a playlist selection from the consumer traveling in the vehicle;

determining one or more preferences of the consumer;

receiving a location of the vehicle using a global positioning satellite device and a route as defined by a navigation device;

determining one or more advertisements relevant to the consumer based on the location of the vehicle and the preferences of the consumer;

determining one or more entertainment content items that are aligned with the preferences of the consumer;

building a playlist including the one or more advertisements and one or more entertainment content items that conform to the playlist selection;

determining a compensation amount to be paid to the consumer in the media payment based on;

an amount of advertisements included in the playlist, and

a level of regional relevance of the advertisements to the consumer'"'"'s location, the greater the level of regional relevance, the greater the compensation amount to be paid to the consumer;

playing the playlist in the vehicle; and

transmitting the media payment to the consumer.

2. The method of claim 1, wherein the playlist selection defines a ratio of advertisements to entertainment content items that are included in the playlist and the compensation amount to be paid to the consumer.

3. The method of claim 2, wherein the playlist is one of a high paid playlist having a greater amount of advertisements, a medium paid playlist having a balanced mixture of advertisements and entertainment content, and a low paid playlist having a greater amount of entertainment content.

4. The method of claim 1, wherein the preferences are determined by one or more of consumer input, consumer feedback, and analyzing past behavior of the consumer.

5. The method of claim 1, wherein the advertisements comprise sponsored media content for which the consumer is paid to listen and includes one or more of commercials, sponsored songs, sponsored book excerpts, sponsored videos, and other promotional media.

6. The method of claim 1, wherein entertainment content items comprise non-sponsored media content for which the consumer is not paid to listen and includes one or more of music, podcasts, audiobooks, and other entertainment.

7. The method of claim 6, wherein the consumer pays to listen to non-sponsored media content.

8. The method of claim 1, wherein the playlist is dynamically updated in response to changes in the vehicle'"'"'s location and updates to the consumer'"'"'s preferences.

9. The method of claim 1, wherein the media payment is stored in an online account for the consumer.

10. The method of claim 9, wherein the consumer pays to hear entertainment media content with funds in the online account.

11. The method of claim 1, further comprising receiving bids from one or more advertisers for placement of the advertisements and selecting the advertisements with highest media payments.

12. One or more computer-readable media having computer-executable instructions embodied thereon that, when executed by a digital device, cause the digital device to:

receive at a virtual personal assistant, preferences of a consumer traveling in a vehicle;

receive at the virtual personal assistant, a playlist type selection from the consumer;

receive at a media consumption payment negotiation engine, a location and route of the vehicle;

determine by the media consumption payment negotiation engine, a plurality of advertisements relevant to the consumer based on the location and route of the vehicle and the preferences of the consumer;

receive bids at a financial transaction processor, from one or more advertisers for placing the plurality of advertisements in a playlist based on geographic relevance;

determine by the financial transaction processor, a media payment amount to be paid to the consumer from an advertiser for listening to each of the plurality of advertisements, the media payment amount being based, at least in part, on the location and the route of the vehicle, the greater the level of regional relevance, the greater the media payment amount to be paid to the consumer;

determine by the media consumption payment negotiation engine, a plurality of entertainment content items that align with the preferences of the consumer;

build by a media playback application, the playlist comprising at least one advertisement and at least one entertainment content item that conform with the playlist type selection;

play the playlist in the vehicle through a device output; and

submit a media payment to the consumer through the financial transaction processor.

13. The computer-readable media of claim 12, wherein the preferences comprise one or more of preferred genres of music, preferred genres of audiobooks, preferred genres of podcasts, preferred musical artists, preferred audiobook authors, preferred types of entertainment content, preferred types of advertisements, and preferred advertisement content.

14. The computer-readable media of claim 12, wherein the playlist type selection defines a media payment rate and a ratio of advertisements to entertainment in the playlist, wherein greater amounts of advertisements result in higher media payment rates.

15. The computer-readable media of claim 12, wherein the playlist is configured to include highest paying advertisements available based on the consumer'"'"'s location.

16. The computer-readable media of claim 15, wherein the advertiser can outbid other advertisements by offering higher media payments to the consumer.

17. The computer-readable media of claim 12, wherein a media payment rate is determined by geographic relevance to the consumer and the advertisements are categorized by a regional rate paying the least to the consumer, a local rate paying a moderate amount to the consumer, and a route rate paying the most to the consumer.

18. The computer-readable media of claim 12, wherein the computer-executable instructions further cause the digital device to determine by the financial transaction processor, an amount to be charged to the consumer for listening to one or more of the a plurality of entertainment content items.

19. A system for building customized playlists and rewarding consumers for listening to advertisements, the system comprising:

a remote server comprising;

a virtual personal assistant processor;

a financial transaction processor for determining payments to be sent to a consumer based on advertisements the consumer has listened to, wherein the payments are determined by a route rate, a local rate, or a regional rate depending on a regional relevance of the advertisements to the consumer'"'"'s location and route, the greater the level of regional relevance, the greater the compensation amount to be paid to the consumer; and

a media delivery engine for accessing advertisement media content and entertainment media content and communicating the content to a virtual personal assistant.

20. The system of claim 19, further comprising a digital device comprising:

a virtual personal assistant for interacting with the consumer traveling in a vehicle;

a media consumption payment negotiation engine for negotiating media payments to be paid to the consumer for listening to advertisements;

a location-determining device for determining the location of the vehicle;

an input for receiving commands from the consumer; and

an output for communicating with the consumer and playing media.