Systems and methods for delivering tailored content based upon a consumer profile

• US 9,940,630 B2
• Filed: 06/05/2012
• Issued: 04/10/2018
• Est. Priority Date: 06/04/2012
• Status: Active Grant

• Current Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Morgan, Robert E., Seth, Hitesh K.
• Primary Examiner(s): Brown, Alvin L
• Application Number:
  US13/489,320
• Publication Number:
  US 20130326009A1
• Time in Patent Office: 2,135 Days
• Field of Search: 705 14
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising

Abstract

The present disclosure includes a system, method, and article of manufacture for aggregating a consumer profile, identifying tailored content (e.g., in response to a trigger event and/or based upon a consumer profile), and/or tailoring a digital destination. For example, the systems may receive direct data indicating an interest in receiving specific content, aggregate that data into a consumer profile, compare the consumer profile to content, and/or identify tailored content based upon the comparison. Further, the systems may communicate the tailored content to a web client associated with a consumer, receive a transaction request from a web client, and/or receive bids associated with tailored content. In addition, these systems may prioritize tailored content comprising a plurality of tailored offers and/or forecast a budget for an upcoming experience.

Claims

1. A method comprising:

receiving, by a computer-based system and from a portable web client of a consumer, a registration request for a consumer account,

wherein the consumer account is associated with and provides access to a consumer profile;

receiving, by the computer-based system and from the portable web client of the consumer, an authentication request;

wherein the authentication request associated with a digital destination is selectable on the portable web client,

wherein the consumer selects on the portable web client a software-enabled selection for the authentication request associated with the digital destination,

wherein the digital destination is an electronic presentation,

authenticating, by the computer-based system, the consumer to the consumer account from the digital destination,

wherein the consumer remains authenticated to the consumer account for a period of time;

registering, by the computer-based system, the portable web client of the consumer to receive the consumer account to enable the portable web client of the consumer to contribute direct data;

receiving, by the computer-based system, the direct data from the portable web client of the consumer;

receiving, by the computer-based system, a registration request from a data partner system for a data partner account,

wherein the data partner account enables the data partner system to transmit direct data associated with the consumer to a trusted system;

enabling, by the computer-based system, the data partner system to transmit the direct data associated with the consumer;

enabling, by the computer-based system, the data partner system to receive the consumer profile associated with the consumer;

receiving, by the computer-based system, the direct data from the data partner system, without the data partner system being authenticated to the data partner account;

validating, by the computer-based system, the data partner account and the direct data from the data partner system;

receiving, by the computer-based system, indirect data from a plurality of sources;

receiving, by the computer-based system, a limitation request from the portable web client of the consumer to limit the consumer profile to a first subset of the direct data and a second subset of the indirect data;

transmitting, by the computer-based system, cookies to the portable web client of the consumer;

obtaining, by the computer-based system, browsing information about the consumer from the cookies on the portable web client of the consumer;

updating, by the computer-based system, the consumer profile with the direct data, indirect data and the browsing information;

determining, by the computer-based system, preferences of the consumer from the consumer profile;

comparing, by the computer-based system, content to the preferences in the consumer profile;

determining, by the computer-based system, that a subset of the preferences of the consumer from the consumer profile satisfy a subset of content and metadata associated with the subset of content;

identifying, by the computer-based system, tailored content for the digital destination based upon the subset of the content,

wherein the tailored content is submitted by the data partner system to the trusted system,

wherein the trusted system filters the tailored content to create filtered tailored content,

wherein the filtered tailored content is filtered by rules,

wherein the rules are based on low priced bids during a bidding period from the data partner system; and

tailoring, by the computer-based system, the digital destination based upon the filtered tailored content,

wherein the trusted system delivers the filtered tailored content to the portable web client of the consumer.

2. The method of claim 1, further comprising receiving, by the computer-based system, the consumer profile, wherein the consumer profile is aggregated by the computer-based system.

3. The method of claim 2, further comprising tailoring, by the computer-based system, the digital destination based upon the consumer profile.

4. The method of claim 3, further comprising identifying, by the computer-based system, the tailored content based upon a match between the content and a preference associated with the consumer profile.

5. The method of claim 4, further comprising receiving, by the computer-based system, a transaction request from the portable web client of the consumer.

6. The method of claim 5, further comprising tailoring, by the computer-based system, the digital destination in response to the authentication by the consumer to the consumer account associated with the consumer profile.

18. The method of claim 1, wherein the trusted system is a transaction account issuer and the data partner system is an online content provider.

19. The system of claim 1, wherein the trusted system is a transaction account issuer and the data partner system is an online content provider.

20. The article of claim 1, wherein the trusted system is a transaction account issuer and the data partner system is an online content provider.

7. A system comprising:

a processor;

a tangible, non-transitory memory communicating with the processor;

the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising;

receiving, by the processor and from a portable web client of a consumer, a registration request for a consumer account,

wherein the consumer account is associated with and provides access to a consumer profile;

receiving, by the processor and from the portable web client of the consumer, an authentication request;

wherein the authentication request associated with a digital destination is selectable on the portable web client,

wherein the consumer selects on the portable web client a software-enabled selection for the authentication request associated with the digital destination,

wherein the digital destination is an electronic presentation,

authenticating, by the processor, the consumer to the consumer account from the digital destination,

wherein the consumer remains authenticated to the consumer account for a period of time;

registering, by the processor, the portable web client of the consumer to receive the consumer account to enable the portable web client of the consumer to contribute direct data;

receiving, by the processor, the direct data from the portable web client of the consumer;

receiving, by the processor, a registration request from a data partner system for a data partner account,

wherein the data partner account enables the data partner system to transmit direct data associated with the consumer to a trusted system;

enabling, by the processor, the data partner system to transmit the direct data associated with the consumer;

enabling, by the processor, the data partner system to receive the consumer profile associated with the consumer;

receiving, by the processor, the direct data from the data partner system, without the data partner system being authenticated to the data partner account;

validating, by the processor, the data partner account and the direct data from the data partner system;

receiving, by the processor, indirect data from a plurality of sources;

receiving, by the processor, a limitation request from the portable web client of the consumer to limit the consumer profile to a first subset of the direct data and a second subset of the indirect data;

transmitting, by the processor, cookies to the portable web client of the consumer;

obtaining, by the processor, browsing information about the consumer from the cookies on the portable web client of the consumer;

updating, by the processor, the consumer profile with the direct data, indirect data and the browsing information;

determining, by the processor, preferences of the consumer from the consumer profile;

comparing, by the processor, content to the preferences in the consumer profile;

determining, by the processor, that a subset of the preferences of the consumer from the consumer profile satisfy a subset of content and metadata associated with the subset of content;

identifying, by the processor, tailored content for the digital destination based upon the subset of the content,

wherein the tailored content is submitted by the data partner system to the trusted system,

wherein the trusted system filters the tailored content to create filtered tailored content,

wherein the filtered tailored content is filtered by rules,

wherein the rules are based on low priced bids during a bidding period from the data partner system; and

tailoring, by the processor, the digital destination based upon the filtered tailored content,

wherein the trusted system delivers the filtered tailored content to the portable web client of the consumer.

8. The system of claim 7, further comprising receiving, by the processor, the consumer profile, wherein the consumer profile is aggregated by the processor.

9. The system of claim 8, further comprising tailoring, by the processor, the digital destination based upon the consumer profile.

10. The system of claim 9, further comprising identifying, by the processor, the tailored content based upon a match between the content and a preference associated with the consumer profile.

11. The system of claim 10, further comprising receiving, by the processor, a transaction request from the portable web client of the consumer.

12. The system of claim 11, further comprising tailoring, by the processor, the digital destination in response to the authentication by the consumer to the consumer account associated with the consumer profile.

13. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system, cause the computer-based system to perform operations comprising:

receiving, by the computer-based system and from a portable web client of a consumer, a registration request for a consumer account,

wherein the consumer account is associated with and provides access to a consumer profile;

receiving, by the computer-based system and from the portable web client of the consumer, an authentication request;

wherein the authentication request associated with a digital destination is selectable on the portable web client,

wherein the consumer selects on the portable web client a software-enabled selection for the authentication request associated with the digital destination,

wherein the digital destination is an electronic presentation,

authenticating, by the computer-based system, the consumer to the consumer account from the digital destination,

wherein the consumer remains authenticated to the consumer account for a period of time;

registering, by the computer-based system, the portable web client of the consumer to receive the consumer account to enable the portable web client of the consumer to contribute direct data;

receiving, by the computer-based system, the direct data from the portable web client of the consumer;

receiving, by the computer-based system, a registration request from a data partner system for a data partner account,

wherein the data partner account enables the data partner system to transmit direct data associated with the consumer to a trusted system;

enabling, by the computer-based system, the data partner system to transmit the direct data associated with the consumer;

enabling, by the computer-based system, the data partner system to receive the consumer profile associated with the consumer;

receiving, by the computer-based system, the direct data from the data partner system, without the data partner system being authenticated to the data partner account;

validating, by the computer-based system, the data partner account and the direct data from the data partner system;

receiving, by the computer-based system, indirect data from a plurality of sources;

receiving, by the computer-based system, a limitation request from the portable web client of the consumer to limit the consumer profile to a first subset of the direct data and a second subset of the indirect data;

transmitting, by the computer-based system, cookies to the portable web client of the consumer;

obtaining, by the computer-based system, browsing information about the consumer from the cookies on the portable web client of the consumer;

updating, by the computer-based system, the consumer profile with the direct data, indirect data and the browsing information;

determining, by the computer-based system, preferences of the consumer from the consumer profile;

comparing, by the computer-based system, content to the preferences in the consumer profile;

determining, by the computer-based system, that a subset of the preferences of the consumer from the consumer profile satisfy a subset of content and metadata associated with the subset of content;

identifying, by the computer-based system, tailored content for the digital destination based upon the subset of the content,

wherein the tailored content is submitted by the data partner system to the trusted system,

wherein the trusted system filters the tailored content to create filtered tailored content,

wherein the filtered tailored content is filtered by rules,

wherein the rules are based on low priced bids during a bidding period from the data partner system; and

tailoring, by the computer-based system, the digital destination based upon the filtered tailored content,

wherein the trusted system delivers the filtered tailored content to the portable web client of the consumer.

14. The article of claim 13, further comprising receiving, by the computer-based system, the consumer profile, wherein the consumer profile is aggregated by the computer-based system.

15. The article of claim 14, further comprising tailoring, by the computer-based system, the digital destination based upon the consumer profile.

16. The article of claim 15, further comprising identifying, by the computer-based system, the tailored content based upon a match between the content and a preference associated with the consumer profile.

17. The article of claim 16, further comprising receiving, by the computer-based system, a transaction request from the portable web client of the consumer.