Julie L Wang

US Patent:

20070150352, Jun 28, 2007

Filed:

Dec 20, 2006

Appl. No.:

11/642340

Inventors:

Sara Fiebiger - Ellisville MO, US
Anant Nambiar - Larchmont NY, US
Julie Wang - Brooklyn NY, US

Assignee:

MasterCard International Incorporated - Purchase NY

International Classification:

G06Q 30/00

US Classification:

705014000

Abstract:

A method for coordinating transaction data for targeted offer generation includes facilitating opt-in to a cardholder offer generation scheme, and facilitating obtaining transaction data associated with a card transaction, via a payment card processing network. The transaction data includes (i) attribute data indicative of an attribute of at least one item purchased, and (ii) an account number of the card. Storage of at least the attribute data in a data warehouse is facilitated, in association with indicia of the holder. The steps can be repeated for a plurality of transactions at a plurality of sales entities, to generate a cross-transaction, cross-entity, actual-product-purchased-based data warehouse profile of the holder. Generating a non-real-time offer to the holder by an operator of the payment card network is facilitated, based, at least in part, on data mining performed on the data warehouse profile.