SYSTEMS, METHODS, AND ARTICLES OF MANUFACTURE FOR TARGETED MARKETING VIA IMPROVED CARD EMBOSSING

摘要

Systems, methods, and articles of manufacture are disclosed for generating marketing targeted to individual cardholders of shared credit card accounts. A financial service provider may configure a credit card account to be shared by two or more cardholders. The credit card provided to each particular cardholder is embossed with identifying information unique to that individual. The financial service provider reviews purchase transactions associated with the credit card account, and determines the transactions associated with each particular cardholder on the shared account based on the embossed information. Targeted marketing is generated and provided to the particular cardholder based on the purchase transaction information specific to that cardholder.

主权项

1. A system for generating marketing targeted to cardholders of credit card accounts, comprising:
a memory storing instructions; and a processor configured to execute the instructions to:
configure a shared credit card account associated with a financial service provider for shared use by a plurality of cardholders, the credit card account including a plurality of credit cards sharing the same primary account number but each being distinctly associated with a different cardholder of the plurality of cardholders;initiate the embossing of identifying information on each credit card of the plurality of credit cards unique to each different cardholder into a discretionary data section of a magnetic strip included on each of the plurality of credit cards;receive purchase transaction information associated with the shared credit card account;identify a subset of the purchase transaction information as associated with a particular cardholder of the plurality of cardholders;analyze the subset of purchase transaction information to determine potential marketing opportunities;generate targeted marketing to the particular cardholder based on the analyzed information; andprovide the generated targeted marketing to the particular cardholder.