Systems and methods for targeted advertisement delivery

US8744906B2 · kind B2 · utility

Assignee

• Visa U.S.A. Inc. · US

Inventors

• Edward W. Fordyce, III · Sedalia, US
• Michelle Eng Winters · Belmont, US
• Kevin Siegel · Milpitas, US
• Leigh Amaro · Woodside, US
• Charles Raymond Byce · Mill Valley, US
• Nurtekin Savas · San Jose, US
• James Alan VonDerheide · Pasadena, US
• Diane C. Salmon · Lafayette, US

Key dates

• Filing date: Aug 30, 2011
• Grant date: Jun 3, 2014
• Expiry date: Sep 17, 2031

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0269
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

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.