System and method for card-linked services

• US 9,589,276 B2
• Filed: 11/04/2013
• Issued: 03/07/2017
• Est. Priority Date: 11/04/2013
• Status: Expired due to Fees

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Feldman, Jason A
• Primary Examiner(s): Brown, Luis A
• Assistant Examiner(s): Andrei, Radu
• Application Number:
  US14/070,952
• Publication Number:
  US 20150127452A1
• Time in Patent Office: 1,219 Days
• Field of Search: 705/14.1, 705/14.24, 705/14.25, 705/14.58, 705/14.49, 713/176, 382/100, 382/106
• US Class Current: 1/1
• CPC Class Codes: G06F 3/011 Arrangements for interaction with the human body, e.g. for user immersion in virtual reality blind teaching G09B21/00
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06T 1/0021 Image watermarking
• CPC Class Codes: G06T 3/02 Affine transformations for image registration G06T3/147; for image mosaicing G06T3/4038
• CPC Class Codes: H04N 21/41415 involving a public display, viewable by several users in a public space outside their home, e.g. movie theatre, information kiosk

Abstract

A system and method are disclosed for providing a promotion associated with a transaction account. Advertising targeting criteria to target at least one person to receive a respective advertisement for the promotion is submitted to a computing device associated with a data management platform. Viewer information associated with at least one person targeted to receive the respective advertisement is received and processed to assess a value of the at least one person. Thereafter, a bid value that is representative of the assessed value and associated with presenting the respective advertisement is transmitted to a computing device associated with an advertisement exchange. An acceptance of the promotion is received, and the promotion information is processed to associate the promotion with the transaction account.

Claims

1. A computer-implemented method for providing a promotion associated with a transaction account, the method comprising:

receiving, with one or more processors, target purchaser information associated with at least one person targeted to receive a respective advertisement that includes offer information representing an offer for the promotion;

generating, with the one or more processors as a function of the targeted purchaser information and the respective advertisement, to generate an assessment value of the at least one targeted person to receive the respective advertisement;

transmitting, with the one or more processors to a computing device associated with an advertisement exchange, a bid value associated with the assessment value and presenting the respective advertisement to the at least one targeted person to receive the respective advertisement;

receiving, with the one or more processors from a computing device associated with the advertising exchange, an acceptance of the bid value;

transmitting, to a computing device operated by one of the at least one person targeted to receive the respective advertisement during an active session between the computing device operated by the one person and a publisher'"'"'s particular Internet website, the advertisement that includes the offer information representing the offer for the promotion, wherein the advertisement is formatted to be integrated in the publisher'"'"'s particular Internet web site;

in response to a selection of the advertisement in the publisher'"'"'s particular Internet web site by the computing device operated by the one person targeted to receive the respective advertisement;

receiving, from a computing device associated with the publisher'"'"'s Internet website, information representing the one person;

generating, with the one or more processors, a match key that is associated with the one person and usable by a computing device having access to information representing a plurality of transaction accounts of the one person to identify the plurality of transaction accounts;

establishing, with the one or more processors, a data session with the computing device having access to information representing a plurality of transaction accounts of the one person;

transmitting, with the one or more processors to the computing device having access to information representing a plurality of transaction accounts during the data session, the match key;

receiving, during the data session from the computing device having access to information representing a plurality of transaction accounts, in response to the transmitted match key, the information representing the plurality of transaction accounts of the one person;

generating, with the one or more processors, a prompt for a selection of one of the plurality of transaction accounts;

controlling, with the one or more processors, the appearance of the publisher'"'"'s particular Internet web site on the computing device operated by the one person targeted to receive the respective advertisement by transmitting, to the computing device operated by the person the prompt and displaying the prompt on the publisher'"'"'s particular Internet web site without controlling the appearance of the publisher'"'"'s Internet web site on other computing devices operated simultaneously by other users;

receiving, with the one or more processors from the computing device operated by the person targeted to receive the respective advertisement in response to the prompt, a selection of one of the plurality of transaction accounts, wherein the selection of the one transaction account represents an acceptance of the offer for the promotion; and

processing, with one or more processors, the offer information without user assistance to associate the promotion with the selected one transaction account.

2. The method of claim 1, wherein the target purchaser information includes at least one of demographics, geography, spend behavior, and on-line behavior.

3. The method of claim 2, wherein the on-line behavior includes at least one of:

a history of internet web sites visited by the person;

a length of time the person visited an internet web site;

the number of times the person visited an internet web site;

one or more products or services offered for sale on an internet web site visited by the person;

a number of selections in an internet web site made by the person;

a number of times the person viewed the respective advertisement; and

a length of time since the person visited an internet web site.

4. The method of claim 1, wherein generating the assessment value includes identifying information submitted by the at least one person.

5. The method of claim 1, wherein the transaction account is securely and operatively coupled to a trusted service manager or a transaction card.

6. The method of claim 5, wherein the transaction card is at least one of a credit card, a debit card, a rewards card, and a gift card.

7. The method of claim 1, wherein identifying the plurality of transaction accounts of the one person comprises:

accessing one or more databases that include information associated with purchasers and transaction accounts; and

selecting at least some of the information included in the database that corresponds with the person.

19. The method of claim 1, wherein the promotion is associated with the selected one transaction account at the end of a billing cycle.

20. The method of claim 1, further comprising applying analytics that include at least one statistical technique to identify a propensity of the at least one targeted person to accept the promotion.

8. A system for providing a promotion associated with a transaction account, the system comprising:

one or more processors configured to interact with a computer-readable medium in order to perform operations that include;

receiving, with one or more processors, target purchaser information associated with at least one person targeted to receive a respective advertisement that includes offer information representing an offer for the promotion;

generating with the one or more processors as a function of the targeted purchaser information and the respective advertisement, an assessment value of the at least one targeted person to receive the respective advertisement;

transmitting, with the one or more processors to a computing device associated with an advertisement exchange, a bid value associated with the assessment value and presenting the respective advertisement to the at least one targeted person to receive the respective advertisement;

receiving, with the one or more processors from a computing device associated with the advertising exchange, an acceptance of the bid value;

transmitting, to a computing device operated by one of the at least one person targeted to receive the respective advertisement during an active session between the computing device operated by the one person and a publisher'"'"'s particular Internet website, the advertisement that includes the offer information representing the offer for the promotion, wherein the advertisement is formatted to be integrated in the publisher'"'"'s particular Internet web site;

in response to a selection of the advertisement in the publisher'"'"'s particular Internet web site by the computing device operated by the one person targeted to receive the respective advertisement;

receiving, from a computing device associated with the publisher'"'"'s Internet website, information representing the one person;

generating, with the one or more processors, an match key that is associated with the one person and usable by a computing device having access to information representing a plurality of transaction accounts of the one person to identify the plurality of transaction accounts;

establishing, with the one or more processors, a data session with the computing device having access to information representing a plurality of transaction accounts of the one person;

transmitting, with the one or more processors to the computing device having access to information representing a plurality of transaction accounts during the data session, the match key;

receiving, during the data session from the computing device having access to information representing a plurality of transaction accounts, in response to the transmitted match key, the information representing the plurality of transaction accounts of the one person;

generating, with the one or more processors, a prompt for a selection of one of the plurality of transaction accounts;

controlling, with the one or more processors, the appearance of the publisher'"'"'s particular Internet web site on the computing device operated by the one person targeted to receive the respective advertisement by transmitting, to the computing device operated by the person the prompt and displaying the prompt on the publisher'"'"'s particular Internet web site without controlling the appearance of the publisher'"'"'s Internet web site on other computing devices operated simultaneously by other users;

receiving, with the one or more processors from the computing device operated by the person targeted to receive the respective advertisement in response to the prompt, a selection of one of the plurality of transaction accounts, wherein the selection of the one transaction account represents an acceptance of the offer for the promotion; and

processing, with one or more processors, the offer information without user assistance to associate the promotion with the selected one transaction account.

9. The system of claim 8, wherein the target purchaser information includes at least one of demographics, geography, and on-line behavior.

10. The system of claim 9, wherein the on-line behavior includes at least one of:

a history of internet web sites visited by the person;

a length of time the person visited an internet web site;

the number of times the person visited an internet web site;

one or more products or services offered for sale on an internet web site visited by the person;

a number of selections in an internet web site made by the person;

a number of times the person viewed the respective advertisement; and

a length of time since the person visited an internet web site.

11. The system of claim 8, wherein generating the assessment value includes identifying information submitted by the at least one person.

12. The system of claim 8, wherein the transaction account is securely and operatively coupled to a trusted service manager or a transaction card.

13. The system of claim 12, wherein the transaction card is at least one of credit card, a debit card, a rewards card, a gift card, a hotel room key and a membership card.

14. A computer storage medium encoded with a computer program, the program comprising instructions that, when executed by one or more data processing apparatus comprising one or more processors, cause the one or more data processing apparatus to perform operations for providing a promotion associated with a transaction account, comprising:

receiving, with one or more processors, target purchaser information associated with at least one person targeted to receive a respective advertisement that includes offer information representing an offer for the promotion;

generating, with the one or more processors as a function of the targeted purchaser information and the respective advertisement to generate an assessment value of the at least one targeted person to receive the respective advertisement;

transmitting, with the one or more processors to a computing device associated with an advertisement exchange, a bid value associated with the assessment value and presenting the respective advertisement to the at least one targeted person to receive the respective advertisement;

receiving, with the one or more processors from a computing device associated with the advertising exchange, an acceptance of the bid value;

transmitting, to a computing device operated by one of the at least one person targeted to receive the respective advertisement during an active session between the computing device operated by the one person and a publisher'"'"'s particular Internet website, the advertisement that includes the offer information representing the offer for the promotion, wherein the advertisement is formatted to be integrated in the publisher'"'"'s particular Internet web site;

in response to a selection of the advertisement in the publisher'"'"'s particular Internet web site by the computing device operated by the one person targeted to receive the respective advertisement;

receiving, from a computing device associated with the publisher'"'"'s Internet website, information representing the one person;

generating, with the one or more processors, a match key that is associated with the one person and usable by a computing device having access to information representing a plurality of transaction accounts of the one person to identify the plurality of transaction accounts;

establishing, with the one or more processors, a data session with a computing device having access to information representing a plurality of transaction accounts of the one person;

transmitting, with the one or more processors to the computing device having access to information representing a plurality of transaction accounts during the data session, the match key;

receiving, during the data session, from the computing device having access to information representing a plurality of transaction accounts, in response to the transmitted match key, the information representing the plurality of transaction accounts of the one person;

generating, with the one or more processors, a prompt for a selection of one of the plurality of transaction accounts;

controlling, with the one or more processors, the appearance of the publisher'"'"'s particular Internet web site on the computing device operated by the one person targeted to receive the respective advertisement by transmitting, to the computing device operated by the person the prompt and displaying the prompt on the publisher'"'"'s particular Internet web site without controlling the appearance of the publisher'"'"'s Internet web site on other computing devices operated simultaneously by other users;

receiving, with the one or more processors from the computing device operated by the person targeted to receive the respective advertisement in response to the prompt, a selection of one of the plurality of transaction accounts, wherein the selection of the one transaction account represents an acceptance of the offer for the promotion; and

processing, with one or more processors, the offer information without user assistance to associate the promotion with the selected one transaction account.

15. The computer storage medium of claim 14, wherein the target purchaser information includes at least one of demographics, geography, and on-line behavior.

16. The computer storage medium of claim 15, wherein the on-line behavior includes at least one of:

a history of internet web sites visited by the person;

a length of time the person visited an internet web site;

the number of times the person visited an internet web site;

one or more products or services offered for sale on an internet web site visited by person;

a number of selections in an internet web site made by the person;

a number of times the person viewed the respective advertisement; and

a length of time since the person visited an internet web site.

17. The computer storage medium of claim 14, wherein generating the assessment value includes identifying information submitted by the at least one person.

18. The computer storage medium of claim 14, wherein the transaction account is securely and operatively coupled to a trusted service manager or a transaction card.