System and Method for Targeted Marketing and Consumer Resource Management
First Claim
1. A method comprising:
- receiving, from a goods and services provider by an enterprise infrastructure, a purchase transaction request associated with a stored value account, the request identifying a provider, a purchase amount, and an identifier associated with the stored value account;
accessing, by the enterprise infrastructure, at least one database storage system to map the identifier to one of a plurality of different providers, the stored value account being able to redeem stored values from each of the plurality of different providers, wherein the stored value account is checked by the enterprise infrastructure to determine if the balances associated with the providers is sufficient to cover the transaction, if sufficient;
causing the transaction to be processed and the balance associated with each provider reduced accordingly.
8 Assignments
0 Petitions
Accused Products
Abstract
Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.
6 Citations
14 Claims
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1. A method comprising:
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receiving, from a goods and services provider by an enterprise infrastructure, a purchase transaction request associated with a stored value account, the request identifying a provider, a purchase amount, and an identifier associated with the stored value account; accessing, by the enterprise infrastructure, at least one database storage system to map the identifier to one of a plurality of different providers, the stored value account being able to redeem stored values from each of the plurality of different providers, wherein the stored value account is checked by the enterprise infrastructure to determine if the balances associated with the providers is sufficient to cover the transaction, if sufficient; causing the transaction to be processed and the balance associated with each provider reduced accordingly. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method comprising:
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receiving, from a retail partner interface by an enterprise infrastructure, a purchase request associated with a stored value account, the request identifying a retail partner associated with the retail partner interface, a purchase price, and an identifier associated with the stored value account; accessing, by the enterprise infrastructure, at least one database to map the identifier to at least two providers and to associate a portion of the purchase price to each of the least two providers, wherein the stored value account is checked by the enterprise infrastructure to determine if the balances associated with the providers is sufficient to cover the transaction, if sufficient; causing the transaction to be processed and the balance associated with each provider reduced accordingly. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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Specification