Serving anonymous cookies associated with purchasing analytics
First Claim
1. An apparatus for anonymously providing purchasing analytics associated with a user to a website while the user is accessing the website, the system comprising:
- a computing platform including a memory and at least one processor in communication with the memory;
a purchasing analytics application stored in the memory, executable by one or more of the processors and configured to access one or more financial institution transaction databases storing transaction records associated with the user of a financial institution associated with the transaction databases, and determine, based on the transaction records, analytical purchasing data associated with the user, wherein the transactions records include both online purchases and offline purchases conducted by the user; and
a cookie initiator application stored in the memory, executable by one or more of processors and configured to, in response to the user identifying themselves at a first website or mobile application as the user of the financial institution, initiate generation of an anonymous cookie that is stored in a web browser cache of a computing device from which the user has accessed the first website or the mobile application, wherein the anonymous cookie includes a user-specific identifier that is configured to identify the analytical purchasing data associated with the user by mapping the identifier to the analytical purchasing data;
wherein, in response to the user using the computing device to access a second website, (i) the anonymous cookie is retrieved from the web browser cache, (ii) the user-specific identifier in the cookie, prompts a call-back, which includes the user-specific identifier, to a server associated with the financial institution, (iii) in response to correlating the user-specific identifier to the analytical purchasing data at the server, retrieves the analytical purchasing data, and (iv) communicates the analytical purchasing data to the second website.
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Accused Products
Abstract
Anonymously providing purchasing analytics associated with customer to a website while the customer is accessing the website. Specifically, a financial institution, having access to a customer'"'"'s transactional data, can analyze the data to determine analytical purchasing data. Once the customer authenticates themselves at a financial institution website, a networked application or the like, an anonymous cookie that is configured to identify the analytical purchasing data is generated and stored in the web browser cache. In response to the customer using the device to access a website that displays advertisements, the anonymous cookie is retrieved from the web browser cache and the analytical purchasing data is provided to the website. In specific embodiments of the invention, the website uses the analytical purchasing data of the customer to determine which of the plurality of advertisements are to be displayed to the customer while they visit the website.
32 Citations
16 Claims
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1. An apparatus for anonymously providing purchasing analytics associated with a user to a website while the user is accessing the website, the system comprising:
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a computing platform including a memory and at least one processor in communication with the memory; a purchasing analytics application stored in the memory, executable by one or more of the processors and configured to access one or more financial institution transaction databases storing transaction records associated with the user of a financial institution associated with the transaction databases, and determine, based on the transaction records, analytical purchasing data associated with the user, wherein the transactions records include both online purchases and offline purchases conducted by the user; and a cookie initiator application stored in the memory, executable by one or more of processors and configured to, in response to the user identifying themselves at a first website or mobile application as the user of the financial institution, initiate generation of an anonymous cookie that is stored in a web browser cache of a computing device from which the user has accessed the first website or the mobile application, wherein the anonymous cookie includes a user-specific identifier that is configured to identify the analytical purchasing data associated with the user by mapping the identifier to the analytical purchasing data; wherein, in response to the user using the computing device to access a second website, (i) the anonymous cookie is retrieved from the web browser cache, (ii) the user-specific identifier in the cookie, prompts a call-back, which includes the user-specific identifier, to a server associated with the financial institution, (iii) in response to correlating the user-specific identifier to the analytical purchasing data at the server, retrieves the analytical purchasing data, and (iv) communicates the analytical purchasing data to the second website. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A system for anonymously providing purchasing analytics associated with a user to a website while the user is accessing the website, the system comprising:
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a user computing device having a first memory and at least one first processor in communication with the memory; a first computing platform including a second memory and at least one second processor in communication with the second memory; a purchasing analytics application stored in the second memory, executable by one or more of the second processors and configured to access one or more financial institution transaction databases storing transaction records associated with the user of a financial institution associated with the transaction databases, and determine, based on the transaction records, analytical purchasing data associated with the user, wherein the transactions records include both online purchases and offline purchases conducted by the user; a web browser application stored in the first memory, executable by one or more of first processors and configured to, in response to the user authenticating themselves at a first website or mobile application as the user of the financial institution, generate an anonymous cookie includes a user-specific identifier that is configured to identify the analytical purchasing data associated with the user by mapping the identifier to the analytical purchasing data, and store the anonymous cookie in a web browser cache, wherein, in response to the user using the computing device to access a second website, (i) the anonymous cookie is retrieved from the web browser cache, (ii) the user-specific identifier in the cookie, prompts a call-back, which includes the user-specific identifier, to a server associated with the financial institution, (iii) in response to correlating the user-specific identifier to the analytical purchasing data at the server, retrieves the analytical purchasing data, and (iv) communicates the analytical purchasing data is provided to the second website. - View Dependent Claims (11, 12, 13, 14)
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15. A computer program product comprising:
a non-transitory computer-readable medium comprising; a first set of codes for causing a computer to access one or more financial institution transaction databases storing transaction records associated with a user of a financial institution associated with the transaction databases to determine, based on the transaction records, analytical purchasing data associated with the user, wherein the transactions records include both online purchases and offline purchases conducted by the user; a second set of codes for causing a computer to, in response to the user identifying themselves at a first website or mobile application as the user of the financial institution, initiate generation of an anonymous cookie on a computing device from which the user has accessed the first website or the mobile application, wherein the anonymous cookie includes a user-specific identifier that is configured to identify the analytics purchasing data associated with the user by mapping the identifier to the analytical purchasing data; and a third set of codes for causing a computer to, in response to the user using the computing device to access a second website (i) retrieve the anonymous cookie from the web browser cache, (ii) prompt a call-back which includes the user-specific identifier, to a server associated with the financial institution, (iii) in response to correlating the user-specific identifier to the analytical purchasing data at the server, retrieve the analytical purchasing data, and (iv) communicate the analytical purchasing data to the second website. - View Dependent Claims (16)
Specification