SYSTEMS AND METHODS TO DELIVER TARGETED ADVERTISEMENTS TO AUDIENCE

摘要

A system including a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler, a profile generator to generate a profile of a user based on the transaction data, an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a transaction of the user, and a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the transaction of the user. In one example, the profile includes a plurality of values representing aggregated spending of the user in various areas to summarize the transactions of the user.

主权项

1. A method, comprising:
providing a computing apparatus comprising
a transaction handler configured in an electronic payment processing network,a data warehouse coupled with the transaction handler and storing
first transaction data recording payment transactions of a plurality of first users processed by the transaction handler during a first period of time,second transaction data recording payment transactions of a second user processed by the transaction handler during a second period of time, andregistration data associating an account of the second user with a communication reference of a mobile device of the second user;a profile generator coupled with the data warehouse; anda portal coupled with the transaction handler; generating, by the profile generator, a profile of the second user using the first transaction data of the plurality of the first users and the second transaction data of the second user; processing, by the transaction handler, authorization of a first transaction in the account of the second user initiated on a point of sale terminal, including
receiving, by the transaction handler, an authorization request for the first transaction of the second user transmitted in the electronic payment processing network from the point of sale terminal;obtaining, by the transaction handler using the electronic payment processing network, an authorization response from a computer controlling the account of the second user in the electronic payment processing network; andtransmitting, by the transaction handler, the authorization response to the point of sale terminal via the electronic payment processing network; and during the processing of the authorization of the first transaction by the transaction handler,
identifying, by the computing apparatus, an advertisement for a first advertiser of a plurality of advertisers based at least in part on the profile of the second user;identifying the communication reference based on
the account identified in the authorization request for the first transaction, andthe registration data stored in the data warehouse associating the communication reference with the account;instructing, by the transaction handler, the portal to communicate with the mobile device using the communication reference; andtransmitting, by the portal, the advertisement to the mobile device using the communication reference without going through the point of sale terminal, to cause the mobile device to present the advertisement in real time with the processing of the authorization of the first transaction.