US 10,832,278 B2Granted

System and method for card-linked services

AssigneeMastercard International Incorporated

InventorsCurtis C. Villars, Serge Bernard, Jason Alex Feldman

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Abstract

A system and method for optimizing at least one of a promotion, a targeting of the promotion, and a campaign associated with the promotion. Acceptances of the promotion are received following each user's selection of the promotion. Information representing users is received from publisher computing devices. Thereafter, respective match keys are generated that are usable to access information representing transaction accounts of each of the users. The match keys are transmitted computing device(s) having access to information representing transaction accounts. Information representing a selected one account is received. For users who redeemed the promotion, the promotion is associated with the selected one transaction account. Thereafter, as a function of the received selection of the transaction account and/or associating the promotion with a selected one transaction account, the at least one processor optimizes the promotion, a targeting of the promotion to other users, and/or a campaign associated with the promotion.

Claims18

Dependent claims

A computer-implemented method for modifying at least one of a promotion, a targeting of the promotion, and a campaign associated with the promotion, the method comprising:

receiving, with at least one processor, a plurality of acceptances of the promotion, wherein the step of receiving each of the acceptances includes:
receiving, with the at least one processor from a respective publisher computing device, information representing a respective user of a user-computing device who accepted the promotion;
generating, with the at least one processor, a respective match key that uniquely represents the respective user;
transmitting, with the at least one processor, the respective match key to at least one respective computing device having access to account information representing a plurality of transaction accounts of the respective user;
receiving, with the at least one processor from the at least one respective computing device in response to the transmitted match key, the account information;
and
generating and providing, with the at least one processor, a prompt that includes selectable items, each respective item in the prompt representing a respective one of the plurality of transaction accounts;
receiving, with the at least one processor, information representing redemption of the promotion and a selection of one of the respective items in the prompt;
associating, with the at least one processor, the promotion with the respective one transaction account represented by the selected one of the respective items in the prompt;
and
modifying, with the at least one processor as a function of the received selection of the one of the plurality of transaction accounts and/or associating the promotion with a selected one transaction account, at least one of:
i) the promotion, ii) targeting of the promotion to other users, and iii) a campaign associated with the promotion.

9 more elements

A system for modifying at least one of a promotion, a targeting of the promotion, and a campaign associated with the promotion, the system comprising:

at least one processor and a computer-readable medium, wherein the at least one processor is configured to interact with the computer-readable medium in order to perform operations that include:
receiving, a plurality of acceptances of the promotion, wherein the step of receiving each of the acceptances includes:
receiving, from a respective publisher computing device, information representing a respective user of a user-computing device who accepted the promotion;
generating, a respective match key that uniquely represents the respective user;
transmitting, the respective match key to at least one respective computing device having access to account information representing a plurality of transaction accounts of the respective user;
receiving, from the at least one respective computing device in response to the transmitted match key, the account information;
and
generating and providing, a prompt that includes selectable items, each respective item in the prompt representing a respective one of the plurality of transaction accounts;
receiving, information representing redemption of the promotion and a selection of one of the respective items in the prompt;
associating, the promotion with the respective one transaction account represented by the selected one of the respective items in the prompt;
and
modifying, as a function of the received selection of the one of the plurality of transaction accounts and/or associating the promotion with a selected one transaction account, at least one of:
i) the promotion, ii) targeting of the promotion to other users, and iii) a campaign associated with the promotion.

10 more elements

A loyalty program generating system, comprising:

at least one processor and a computer-readable medium, wherein the at least one processor is configured to interact with the computer-readable medium in order to perform operations that include:
generating a plurality of loyalty programs, each associated with at least one respective promotion that includes an offer associated with a first good and/or service, wherein each of the at least one respective promotion is formatted for distribution among a respective one of a plurality of channels;
receiving a plurality of acceptances of a respective promotion, wherein the step of receiving each of the acceptances includes:
receiving, from a respective publisher computing device, information representing a respective user of a user-computing device who accepted the promotion;
generating, a respective match key that uniquely represents the respective user;
transmitting, the respective match key to at least one respective computing device having access to account information representing a plurality of transaction accounts of the respective user;
receiving, from the at least one respective computing device in response to the transmitted match key, the account information;
and
generating and providing, a prompt that includes selectable items, each respective item in the prompt representing a respective one of the plurality of transaction accounts;
receiving information representing a selection of items in the prompt;
and
associating the promotion with a respective one transaction account represented by a selected one of the respective items in the prompt.

9 more elements

A loyalty program generating method, comprising:

generating a plurality of loyalty programs, each associated with at least one respective promotion that includes an offer associated with a first good and/or service, wherein each of the at least one respective promotion is formatted for distribution among a respective one of a plurality of channels;
receiving, with at least one processor, a plurality of acceptances of the promotion, wherein the step of receiving each of the acceptances includes:
receiving, with the at least one processor from a respective publisher computing device, information representing a respective user of a user-computing device who accepted the promotion;
generating, with the at least one processor, a respective match key that uniquely represents the respective user;
transmitting, with the at least one processor, the respective match key to at least one respective computing device having access to account information representing a plurality of transaction accounts of the respective user;
receiving, with the at least one processor from the at least one respective computing device in response to the transmitted match key, the account information;
and
generating and providing, with the at least one processor, a prompt that includes selectable items, each respective item in the prompt representing a respective one of the plurality of transaction accounts;
receiving, with the at least one processor, information representing redemption of the promotion and a selection of one of the respective items in the prompt;
and associating, with the at least one processor and in accordance with the acceptance, the promotion with a selected one transaction account.

7 more elements

Dependencies are inferred from the claim text.

Facts

Application: 15/701,100Filed 11 Sep 2017 · continuation in part
Priority: 4 Nov 2013
Published: US 2017/0372353 A128 Dec 2017
Granted: 10 Nov 2020
Term ends: Not estimatedThe source records don’t support an estimate.

Classification9 codes

G06Q 30/0244
Determining effectiveness of advertisements: optimization
G06Q 30/0224
Discounts or incentives, e.g. coupons or rebates: based on user history
G06Q 30/0226
Discounts or incentives, e.g. coupons or rebates: incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
G06Q 30/0235
Discounts or incentives, e.g. coupons or rebates: constrained by time limit or expiration date

Family

Application14/070,978Parent of this continuation-in-part · filed 4 Nov 2013
US 2017/0372353 A1Pre-grant publication · published 28 Dec 2017
US 9,760,908 B2Parent of this continuation-in-part
US 2015/0127457 A1Published application
US 10,832,278 B2This patent

From the US filing history. Foreign family members aren’t listed.