Systems and methods for targeted advertisement delivery

摘要

In one aspect, a computing apparatus is configured to receive a request for a profile to customize information for presentation to a user identified in the request and, responsive to the request identifying the user, provide the profile that is generated based on transaction data of the user. The profile summarizes the transaction data of the user using a plurality of values representing aggregated spending in various areas. The information includes an advertisement selected, prioritized, adjusted, or generated based on the profile. The advertisement includes at least an offer, such as a discount, incentive, reward, coupon, gift, cash back, benefit, product, or service.

主权项

1. A computer-implemented method, comprising:
receiving, in a computing apparatus, a request for a profile to customize information for presentation to a user identified in the request; and responsive to the request identifying the user, providing by the computing apparatus the profile of the user, wherein the profile is generated based on
identifying a plurality of factors from a factor analysis of spending variables as applied to transaction data of a plurality of users, wherein the spending variables aggregate spending in the transaction data according to merchant categories, andapplying transaction data of the user to the plurality of factors, identified from the factor analysis, to determine a plurality of values representing aggregated spending in various areas; wherein the transaction data are related to a plurality of transactions processed at a transaction handler, each of the transactions being processed to make a payment from an issuer to an acquirer via the transaction handler in response to an account identifier, as issued by the issuer to the user, being submitted by a merchant to the acquirer, the issuer to make the payment on behalf of the user, the acquirer to receive the payment on behalf of the merchant.