Patent application number | Description | Published |
20130297391 | RULE-BASED OFFER ASSOCIATION - Embodiments of the invention are directed to systems, methods and computer program products for implementing rule-based offer association, queuing input information for performing rule-based offer association, and implementing an intelligent offer tool for determining whether to present an offer to a user. The invention enables an entity to send targeted offers to a user that enables the user to receive at least one of a discount or a rebate on a purchase from a merchant. | 11-07-2013 |
20130297421 | SYSTEM AND METHOD FOR ANALYSIS OF CUSTOMER INTERACTIONS TO DEVELOP COMPREHENSIVE CUSTOMER DATA ARCHIVES - Embodiments of the invention are directed to systems, methods and computer program products for targeting offers to customers. Specifically, data relating to customers is gathered in order to generate a comprehensive customer data archive. The customer data archive may include transactional data and non-transactional data. Non-transactional data may include, for example, social media interactions, received input from a financial advisor, received input from the customer, customer-specific data such as age, family status, gender, etc. | 11-07-2013 |
20140149195 | NEAR REAL-TIME MATCH - Embodiments of the invention are directed to systems, methods and computer program products for enabling a user to determine whether a transaction qualifies for an offer. An exemplary apparatus is configured to: receive information associated with a transaction; receive information associated with an offer, the offer enabling a user to receive a discount or rebate on a qualifying transaction; and initiate presentation of an indicator indicating whether the transaction qualifies for the offer. | 05-29-2014 |
20140149201 | USER DASHBOARD - Embodiments of the invention are directed to systems, methods and computer program products for initiating presentation of a rebate associated with a transaction. An exemplary apparatus is configured to: determine a user executed a first transaction qualifying for a first offer; determine a first rebate associated with the first transaction; apply the first rebate to the user's account; initiate presentation of the first rebate on a user interface; determine the user executed a second transaction qualifying for a second offer; determine a second rebate associated with the second transaction, wherein the second rebate is not applied to the user's account; and initiate presentation of the second rebate on the user interface. | 05-29-2014 |
20160042385 | ADVERTISEMENT IMPRESSIONS AND CUSTOMER TRANSACTION CORRELATION FOR ADVERTISEMENT VALIDATION INCLUDING INFLUENCERS - Embodiments of the invention are directed to a system, method, or computer program product for providing feedback and validation of advertising and marketing campaigns and the influence of those advertisements relative to time of the advertisement and payment type demographics. The invention receives advertisement impressions by customers, thus detecting advertisements that the customer has viewed. Furthermore, the invention retrieves transactional data associated with transactions made by the customer. The invention then correlates or matches the advertisement impressions and transactional data to determine if products, services, or merchant transactions that were associated with advertisements viewed by the customer. Furthermore, the invention identifies a payment type used for the transaction. The invention also correlates specific times/dates of advertisements to the transaction. In this way, the invention may provide an advertiser with payment type demographic data and a valuation or influence of advertisements relative to presentation time and location of the advertisements. | 02-11-2016 |
20160042387 | ADVERTISEMENT IMPRESSIONS AND CUSTOMER TRANSACTION CORRELATION FOR ADVERTISEMENT VALIDATION - Embodiments of the invention are directed to a system, method, or computer program product for providing feedback and validation of advertising and marketing campaigns. The invention receives advertisement impressions by customers, thus detecting advertisements that the customer has viewed. Furthermore, the invention retrieves transactional data associated with transactions made by the customer. The invention then correlates or matches the advertisement impressions and transactional data to determine products, services, or merchant transactions that were associated with advertisements viewed by the customer. The invention identifies a time frame between the advertisement impression and the transaction and generates data associated with the successfulness of advertising and marketing campaigns. | 02-11-2016 |
20160140601 | ADVERTISEMENT IMPRESSIONS OF RECOMMENDER FOR NETWORK DIFFUSION - Embodiments of the invention are directed to a system, method, or computer program product for providing advertisements to recommenders for network diffusion to a cluster or group of individuals associated with the recommender. In this way, advertisement effectiveness may be identified by presented to a single customer or recommender, and that recommender diffusion the advertisement data across his/her cluster of friends. In this way, the invention provides a means of delivering advertisements to appropriate recommenders for diffusion throughout a group of individuals. A network and recommender may be identified based on diffusion using transaction history, coincident mapping, and/or social network information. In this way, it is appreciated that there may be a greater advertisement value to present the advertisement to the recommender then allowing the advertisement to diffuse through the cluster. | 05-19-2016 |
20160140604 | CUSTOMER TRANSACTION PROMPTING ADVERTISEMENT PRESENTMENT AND IMPRESSIONS - Embodiments of the invention are directed to a system, method, or computer program product for advertisement presentment based on customer transactions at a brick and mortar merchant location. The invention compiles transaction data across a financial institution for transactions with a merchant. The system generalizes the transaction data across the financial institution based on category of product or merchant associated with the transaction. Subsequently, the generalized data may be presented to an advertiser for correlating recent brick and mortar purchases of a customer to advertisements to present to a customer online or offline in the future. Furthermore, the transaction data may include data identifying the specific products purchased by the customer. In this way, the specific product data may match to advertisements previously viewed or presented to a customer. | 05-19-2016 |