System and method for card-linked services

• US 10,832,278 B2
• Filed: 09/11/2017
• Issued: 11/10/2020
• Est. Priority Date: 11/04/2013
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Villars, Curtis C., Bernard, Serge, Feldman, Jason Alex
• Primary Examiner(s): Andrei, Radu
• Application Number:
  US15/701,100
• Publication Number:
  US 20170372353A1
• Time in Patent Office: 1,156 Days
• CPC Class Codes: G06Q 10/067 Enterprise or organisation modelling
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0235 constrained by time limit or expiration date
• CPC Class Codes: G06Q 30/0244 Optimization
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0255 based on user history
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute

Abstract

A system and method for optimizing at least one of a promotion, a targeting of the promotion, and a campaign associated with the promotion. Acceptances of the promotion are received following each user'"'"'s selection of the promotion. Information representing users is received from publisher computing devices. Thereafter, respective match keys are generated that are usable to access information representing transaction accounts of each of the users. The match keys are transmitted computing device(s) having access to information representing transaction accounts. Information representing a selected one account is received. For users who redeemed the promotion, the promotion is associated with the selected one transaction account. Thereafter, as a function of the received selection of the transaction account and/or associating the promotion with a selected one transaction account, the at least one processor optimizes the promotion, a targeting of the promotion to other users, and/or a campaign associated with the promotion.

Claims

1. A computer-implemented method for modifying at least one of a promotion, a targeting of the promotion, and a campaign associated with the promotion, the method comprising:

receiving, with at least one processor, a plurality of acceptances of the promotion, wherein the step of receiving each of the acceptances includes;

receiving, with the at least one processor from a respective publisher computing device, information representing a respective user of a user-computing device who accepted the promotion;

generating, with the at least one processor, a respective match key that uniquely represents the respective user;

transmitting, with the at least one processor, the respective match key to at least one respective computing device having access to account information representing a plurality of transaction accounts of the respective user;

receiving, with the at least one processor from the at least one respective computing device in response to the transmitted match key, the account information; and

generating and providing, with the at least one processor, a prompt that includes selectable items, each respective item in the prompt representing a respective one of the plurality of transaction accounts;

receiving, with the at least one processor, information representing redemption of the promotion and a selection of one of the respective items in the prompt;

associating, with the at least one processor, the promotion with the respective one transaction account represented by the selected one of the respective items in the prompt; and

modifying, with the at least one processor as a function of the received selection of the one of the plurality of transaction accounts and/or associating the promotion with a selected one transaction account, at least one of;

i) the promotion, ii) targeting of the promotion to other users, and iii) a campaign associated with the promotion.

2. The method of claim 1, wherein receiving the acceptances further comprises:

receiving, with the at least one processor, information representing at least one of;

a type of offer included in the promotion;

customer segments that responded to the promotion;

at least one respective delivery channel of the promotion;

at least one respective day, time, week and/or month when the promotion was provided or when promotion is redeemed; and

at least one of size, location, layout and creative elements of the promotion;

wherein modifying the promotion is further in accordance with at least some of the received information; and

further comprising;

providing, to each of a plurality of user-computing devices and/or publisher computing devices, the modified promotion.

3. The method of claim 1, further comprising:

modifying a targeting of the promotion to users in accordance with an individual user and/or group of users who selected the promotion, who selected a respective one transaction account, and/or who selected one transaction account associated with the promotion;

predicting, with the at least one processor, a user and/or group of users who will respond to the promotion; and

transmitting, with the at least one processor, the promotion to the user and/or group of users.

4. The method of claim 1, further comprising:

modifying a campaign associated with the promotion in accordance with at least one of;

performance results representing an individual user and/or group of users who selected the promotion, selected a respective one transaction account, and/or

respectively have a selected one transaction account associated with the promotion; and

respective data communication channels used in connection with the performance results.

5. The method of claim 1, further comprising:

modifying at least one of the promotion, targeting of the promotion, and the campaign associated with the promotion in accordance with;

user information associated with each of the respective users, wherein the user information includes at least one of demographics, geography, browsing behavior, asset ownership data, wealth data, and spending behavior.

6. A system for modifying at least one of a promotion, a targeting of the promotion, and a campaign associated with the promotion, the system comprising:

at least one processor and a computer-readable medium, wherein the at least one processor is configured to interact with the computer-readable medium in order to perform operations that include;

receiving, a plurality of acceptances of the promotion, wherein the step of receiving each of the acceptances includes;

receiving, from a respective publisher computing device, information representing a respective user of a user-computing device who accepted the promotion;

generating, a respective match key that uniquely represents the respective user;

transmitting, the respective match key to at least one respective computing device having access to account information representing a plurality of transaction accounts of the respective user;

receiving, from the at least one respective computing device in response to the transmitted match key, the account information; and

generating and providing, a prompt that includes selectable items, each respective item in the prompt representing a respective one of the plurality of transaction accounts;

receiving, information representing redemption of the promotion and a selection of one of the respective items in the prompt;

associating, the promotion with the respective one transaction account represented by the selected one of the respective items in the prompt; and

modifying, as a function of the received selection of the one of the plurality of transaction accounts and/or associating the promotion with a selected one transaction account, at least one of;

i) the promotion, ii) targeting of the promotion to other users, and iii) a campaign associated with the promotion.

7. The system of claim 6, wherein the step of receiving the acceptances further includes:

receiving, with the at least one processor, information representing at least one of;

a type of offer included in the promotion;

customer segments that responded to the promotion;

at least one respective delivery channel of the promotion;

at least one respective day, time, week and/or month when the promotion was provided or when the promotion is redeemable; and

at least one of size, location, layout and creative elements of the promotion;

wherein modifying the promotion is further in accordance with at least some of the received information; and

further wherein the at least one processor is further configured to perform operations that comprise;

providing, to each of a plurality of user-computing devices and/or publisher computing devices, the modified promotion.

8. The system of claim 6, wherein the at least one processor is further configured to perform operations for:

modifying targeting of the promotion to users in accordance with an individual user and/or group of users who selected the promotion, who selected a respective one transaction account, and/or who selected one transaction account associated with the promotion;

predicting a user and/or group of users who will respond to the promotion; and

transmitting, the promotion to the user and/or group of users.

9. The system of claim 6, wherein the at least one processor is further configured to perform operations for:

modifying a campaign associated with the promotion in accordance with;

performance results representing an individual user and/or group of users who selected the promotion, selected a respective one transaction account, and/or

respectively have a selected one transaction account associated with the promotion; and

respective data communication channels used in connection with the performance results.

10. The system of claim 6, wherein the at least one processor is further configured to perform operations for modifying at least one of the promotion, targeting of the promotion, and the campaign associated with the promotion in accordance with user information associated with each of the respective users, wherein the user information includes at least one of demographics, geography, browsing behavior, asset ownership data, wealth data, and spending behavior.

11. A loyalty program generating system, comprising:

at least one processor and a computer-readable medium, wherein the at least one processor is configured to interact with the computer-readable medium in order to perform operations that include;

generating a plurality of loyalty programs, each associated with at least one respective promotion that includes an offer associated with a first good and/or service, wherein each of the at least one respective promotion is formatted for distribution among a respective one of a plurality of channels;

receiving a plurality of acceptances of a respective promotion, wherein the step of receiving each of the acceptances includes;

receiving, from a respective publisher computing device, information representing a respective user of a user-computing device who accepted the promotion;

generating, a respective match key that uniquely represents the respective user;

transmitting, the respective match key to at least one respective computing device having access to account information representing a plurality of transaction accounts of the respective user;

receiving, from the at least one respective computing device in response to the transmitted match key, the account information; and

generating and providing, a prompt that includes selectable items, each respective item in the prompt representing a respective one of the plurality of transaction accounts;

receiving information representing a selection of items in the prompt; and

associating the promotion with a respective one transaction account represented by a selected one of the respective items in the prompt.

12. The system of claim 11, wherein each promotion further includes an offer associated with a second good and/or service.

13. The system of claim 12, wherein the first good and/or service and the second good and/or service are provided by different parties.

14. The system of claim 11, wherein the at least one processor is further configured to perform operations for generating a first loyalty program for a first party and a second loyalty program for a second party.

15. A loyalty program generating method, comprising:

generating a plurality of loyalty programs, each associated with at least one respective promotion that includes an offer associated with a first good and/or service, wherein each of the at least one respective promotion is formatted for distribution among a respective one of a plurality of channels;

receiving, with at least one processor, a plurality of acceptances of the promotion, wherein the step of receiving each of the acceptances includes;

receiving, with the at least one processor from a respective publisher computing device, information representing a respective user of a user-computing device who accepted the promotion;

generating, with the at least one processor, a respective match key that uniquely represents the respective user;

transmitting, with the at least one processor, the respective match key to at least one respective computing device having access to account information representing a plurality of transaction accounts of the respective user;

receiving, with the at least one processor from the at least one respective computing device in response to the transmitted match key, the account information; and

generating and providing, with the at least one processor, a prompt that includes selectable items, each respective item in the prompt representing a respective one of the plurality of transaction accounts;

receiving, with the at least one processor, information representing redemption of the promotion and a selection of one of the respective items in the prompt; and

associating, with the at least one processor and in accordance with the acceptance, the promotion with a selected one transaction account.

16. The method of claim 15, wherein each promotion further includes an offer associated with a second good and/or service.

17. The method of claim 16, wherein the first good and/or service and the second good and/or service are provided by different parties.

18. The method of claim 15, further comprising generating a first loyalty program for a first party and a second loyalty program for a second party.