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1. 发明公开

US20230162227A1 SYSTEM AND METHOD FOR PROCESSING DIGITAL COUPONS 审中-公开
公开(公告)号：US20230162227A1
公开(公告)日：2023-05-25
申请号：US18152634
申请日：2023-01-10
申请人： Mastercard International Incorporated
发明人： Peter Balsavias , Samantha L. Jones , Patricia E. Littler , Jenna L. Kanterman , Caroline M. Ginty , Emma Goodyear , Emilie M. Kroner , John Hutchison , Joan L. Rohlfing
IPC分类号： G06Q30/0238 , G06Q30/0207 , G06Q20/34 , G06Q20/28 , G06Q30/0208
CPC分类号： G06Q30/0238 , G06Q30/0225 , G06Q20/347 , G06Q20/28 , G06Q30/0208
摘要： A processor is programmed with instructions to receive coupon data from a program creator. The coupon data defines a coupon and/or coupon program. The processor creates a first unique coupon program ID for the coupon data and writes the first unique coupon program ID and the coupon data to a database table. The processor transmits the first unique coupon program ID to the program creator. The processor also receives, from a user computing device, a coupon request message. The coupon request message includes a second unique coupon program ID. The processor extracts the second unique coupon program ID, retrieves the first unique coupon program ID, and matches the second unique coupon program ID to the first unique coupon program ID. Based on the matching, the processor generates a digital coupon token and transmits the digital coupon token to the user computing device via the communications interface.

2. 发明申请

US20190108546A1 PROVIDING TARGETED COMMUNICATIONS BASED ON TRAVEL RELATED DATA 审中-公开
公开(公告)号：US20190108546A1
公开(公告)日：2019-04-11
申请号：US15730439
申请日：2017-10-11
申请人： MasterCard International Incorporated
发明人： Emma Goodyear , Joanne Elizabeth Ollier
IPC分类号： G06Q30/02
摘要： Described are methods, systems and apparatus for using point-in-time, travel-related data purchase transaction data to provide pertinent communications to a cardholder. In an embodiment, a travel decision engine obtains authorized purchase transaction data from a transaction database, determines that a particular purchase transaction is travel related, identifies a transaction type and a transaction size, and determines a travel status of the cardholder. The travel decision engine then assigns a treatment based on the travel status, selects a travel related message based on the treatment, and transmits the travel related message to the cardholder.

3. 发明申请

US20150348072A1 METHOD AND SYSTEM FOR SELECTING A TARGET AUDIENCE 审中-公开
标题翻译：选择目标听众的方法和系统
公开(公告)号：US20150348072A1
公开(公告)日：2015-12-03
申请号：US14290144
申请日：2014-05-29
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Emma Goodyear , Joanne Sterne , Kent Olof Niklas Berntsson , Adam Granoff
IPC分类号： G06Q30/02 , G06Q20/20 , G06Q20/34 , G06Q20/10
CPC分类号： G06Q30/0204 , G06Q20/1085 , G06Q20/12 , G06Q20/204 , G06Q20/34
摘要： A method and a system are provided for selecting an audience of potential acceptors for receiving a targeted communication and for making a targeted communication to an audience of potential acceptors. The method involves retrieving, from one or more databases, a first set of information including checking account activities and characteristics attributable to an audience of checking account customers. At least a portion of the audience of checking account customers are identifiably associated with an audience of payment card holders. The method also involves retrieving, from one or more databases, a second set of information including payment card activities and characteristics attributable to the audience of payment card holders. Payment card holders meeting selection criteria are identified based on the first set of information and the second set of information. Payment card holders meeting the selection criteria are selected for receiving a targeted communication (e.g., a payment card upgrade).
摘要翻译：提供了一种方法和系统，用于选择用于接收目标通信的潜在接受者的受众并且向潜在接受者的受众进行有针对性的通信。该方法涉及从一个或多个数据库检索第一组信息，包括检查帐户活动和归因于检查帐户客户的受众的特征。支票账户客户的至少一部分受众可以与支付卡持有者的受众群体相关联。该方法还涉及从一个或多个数据库检索包括支付卡活动和可归因于支付卡持有者的受众的特征的第二组信息。基于第一组信息和第二组信息来识别满足选择标准的支付卡持有人。选择满足选择标准的支付卡持有人接收目标通信（例如，支付卡升级）。

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