Systems and Methods for Targeted Advertisement Delivery

A computer storage medium storing instructions which, when executed on a computer system, cause the computer system to perform a method, the 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 generated based on transaction data of the user, the profile summarizing the transaction data of the user;
• 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.

A system, comprising:

• a transaction handler to process transactions, 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 of a customer, as issued by the issuer, being submitted by a merchant to the acquirer, the issuer to make the payment on behalf of the customer, the acquirer to receive the payment on behalf of the merchant;
• 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, the profile including a plurality of values representing aggregated spending of the user in various areas;
• and
• a portal to receive a request identifying the user and to provide the profile in response to the request to facilitate customization of information to be presented to the user.