Systems and Methods for Anticipatory 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:

• processing, using a computing apparatus of a transaction handler, a plurality of transactions of a user, 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;
• storing, in a data storage facility of the transaction handler, transaction data recording the transactions of the user;
• predicting, by the computing apparatus, a future event relating to the user based on the transaction data;
• and
• determining, by the computing apparatus, a spending profile of the user based at least in part on the future event.

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 a plurality of transactions processed at the transaction handler for a user;
• an anticipation engine coupled to the data warehouse to predict a future event relating to the user based on the transaction data stored in the data warehouse;
• a profile generator to generate a spending profile of the user based at least in part on the future event predicted for the user;
• and
• a portal coupled to the profile generator to provide the spending profile in response to a query.