Card-Linked Promotion System Using Intermediary Mediator
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Solution Overview
Problem
Existing systems for providing promotions or rebates often require users to register with personally identifiable information and may not efficiently target advertisements based on user behavior and demographics, leading to ineffective marketing and privacy concerns.
Innovation Solution
A system and method that associates promotions or rebates with transaction accounts, such as credit or debit cards, within online networks, allowing for targeted advertising based on user data without requiring additional registration, using data management platforms to determine and apply offers directly to user accounts during transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If users register with personally identifiable information to receive promotions, then marketing effectiveness is improved, but user privacy is compromised and data collection becomes intrusive
Solution Approach 1:
The patent introduces a card network as an intermediary that enables promotion delivery without requiring users to share personal information directly with merchants. The card account number serves as a mediator that links users to promotions while preserving privacy, allowing the system to achieve marketing effectiveness without intrusive data collection
2Adaptability or versatility
If traditional promotion systems require user registration with personal information, then offers can be targeted, but system complexity increases and user convenience decreases
Solution Approach 1:
The patent makes the card account number serve multiple functions: it acts as both a payment identifier and a promotion delivery mechanism. This universal approach eliminates the need for separate registration systems while maintaining targeted advertising capabilities, thereby reducing system complexity without sacrificing adaptability
3Adaptability or versatility
If promotion systems collect and store user data, then personalized marketing is enabled, but data security risks and processing requirements increase
Solution Approach 1:
The patent extracts the essential identifying information (card account number) from the broader context of personal data collection. By using only this minimal extracted identifier for promotion delivery, the system enables personalized marketing without requiring storage or processing of extensive user data, thereby reducing data security risks and processing requirements
Data Source
AI summary
A system and method are disclosed for applying a rebate or promotion associated with a transaction account. Offer information representing an offer for a promotion or rebate provided to a purchaser is received, and at least some of the offer information is processed to associate the purchaser with at least one transaction account. Account information representing the at least one transaction account associated with the purchaser is transmitted to a computing device associated with the first party. Transaction information representing a transaction associated with the offer information and the account information is received from a computing device associated with the first party or a second party, and is processed to associate the transaction with the transaction account associated with the purchaser and the promotion or rebate. The rebate or promotion is applied as a function of the transaction information.