MODULE ID BASED TARGETED MARKETING

• US 20090144204A1
• Filed: 10/08/2008
• Published: 06/04/2009
• 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.
• Granted Patent: US 9,269,086 B2
• Time in Patent Office: Days
• US Class Current: 705/71
• 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 a payment authorization request message that;

corresponds to a purchase selection message generated by a media device to purchase an item;

is for a user payment account that is associated with the media device; and

includes encrypted payment account information and at least one of a purchase price, an item description, a merchant ID, an identification of an advertiser, and a time stamp;

receiving a media device ID corresponding to the media device that generated the purchase selection message;

selecting an encryption key based upon the received media device ID;

decrypting the payment account information using the selected encryption key;

upon successfully decrypting the payment account information, identifying a user address corresponding to the decrypted payment account information; and

storing purchase data including the user address as a purchase location and at least one of the purchase price, the item description, the merchant ID, a user descriptor, advertiser information and the time stamp.

2. The method of claim 1 further including:

defining at least one demographic area that includes the user address; and

generating a user demographics report that 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 push adds based on the user demographics report corresponding to the at least one demographic area.

4. The method of claim 2 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 item is requested media content.

9. The method of claim 1 wherein the payment authorization request is generated by a merchant server for a merchant of a plurality of geographically diverse merchants.

10. A payment card company system, comprising:

a communication module coupled to at least one communication network;

a processing module coupled to the communication module;

memory coupled to the processing module; and

wherein the processing module, in cooperation with the communication module, is operable to;

store a user address, an encryption key, and user payment account information in relation to an authorized media device ID wherein the user address is a physical address of a location at which a media device that corresponds to the authorized media device ID is located;

receive a payment authorization request message that;

corresponds to a purchase selection message generated by a media device to purchase an item;

is for a user payment account that is associated with the media device; and

includes encrypted payment account information and at least one of a purchase price, an item description, a merchant ID, an identification of an advertiser, and a time stamp;

receive a media device ID corresponding to a media device that generated the purchase selection message for a purchased item;

select an encryption key based upon the received media device ID;

decrypt the payment account information using the selected encryption key;

upon successfully decrypting the payment account information, identify the user address; and

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

11. The payment card company system of claim 10 wherein the processor is further operable to:

define at least one demographic area that includes the user address; and

generate a user demographics report that 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 processor is further operable to transmit the user demographics report to an advertisement server to support push adds based on the user demographics report corresponding to the at least one demographic area.

13. The payment card company system of claim 11 wherein the processor 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 11 wherein the processor is further operable to identify advertisement effectiveness in relation to the purchase data.

15. The payment card company system of claim 11 wherein the processor is further operable to receive a media content identifier that corresponds to the 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 at least one of a payment card processor server and a payment card issuer server.

18. A method in a payment company server, comprising:

receiving a payment authorization request message that corresponds to a purchase selection message generated by a media device in response to an item advertised within media content wherein the payment authorization message includes encrypted payment account information;

receiving a media device ID corresponding to the media device that generated the purchase selection message;

receiving item and purchase information in association with the payment authorization request message;

determining whether the media device is an authorized media device for a user payment account that corresponds to the payment account information;

identifying a purchase location based upon the media device ID; and

storing the item and purchase information in association with a known location of the media device.

19. The method of claim 18 wherein the item and purchase information includes at least one of:

a purchase price;

an item description;

a merchant ID of a plurality of geographically disperse merchants; and

a time stamp.

20. The method of claim 19 wherein the item and purchase information includes content identification for the media content being displayed at a time the purchase selection message was generated wherein the content identification identifies at least one of a media content tag number to identify advertised items and a program identification.

21. The method of claim 18 further including generating a user demographics report that:

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.

22. The method of claim 21 wherein the analysis of the user demographics report correlates the stored item and purchase information in relation to the at least one demographic area in relation to the content identification.

23. The method of claim 21 further including processing the user demographics report to identify one of a plurality of advertisers having sales that correspond to the user demographics report.

24. The method of claim 18 wherein determining the media device is an authorized media device for a user payment account that corresponds to the payment account information includes determining the media device ID compares favorably to an ID for the authorized media device.

25. The method of claim 18 wherein determining the media device is an authorized media device for a user payment account that corresponds to the payment account information includes:

selecting an encryption key based upon the received media device ID;

decrypting the payment account information using the selected encryption key.

26. The method of claim 18 wherein the user address is the known location of the media device.