Transaction Handler for Real-Time Personalized Ad Delivery

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Solution Overview

Problem

Current systems for processing transaction data from payment cards lack efficient methods to provide personalized and targeted advertisements while ensuring user privacy and real-time interaction, and fail to effectively correlate online activities with offline transactions to improve marketing strategies.

Innovation Solution

A computing apparatus is configured to process transaction data, generate user profiles, and provide real-time personalized advertisements by correlating transaction data with online activities, using a transaction handler that automates the selection, generation, and delivery of targeted offers, while ensuring user consent and privacy, and facilitating loyalty programs and real-time message delivery.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If transaction data is processed to provide personalized advertisements, then marketing effectiveness is improved, but user privacy protection becomes more challenging

Engineering Contradiction:

Improvemarketing effectivenessVSAvoiduser privacy risk

Core Design Contradiction:

ProductivityVSObject-affected harmful factors

Solution Approach 1:

The patent introduces a transaction handler as an intermediary component that sits between the payment card system and the advertising system. This handler processes transaction data, generates user profiles, and facilitates targeted offers without directly accessing or storing sensitive user information. The intermediary architecture allows marketing personalization while maintaining privacy boundaries through structured data handling and consent management.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system segments the data processing function into distinct components: transaction data processing, user profile generation, and offer delivery. By separating these functions, the patent enables personalized marketing through transaction data without requiring direct access to raw transaction records, thus reducing privacy risks while maintaining marketing effectiveness.

Inventive Principle:

Principle #1Segmentation

2Speed

If real-time transaction processing is implemented, then responsiveness is improved, but system complexity increases

Engineering Contradiction:

Improvereal-time responsivenessVSAvoidsystem complexity

Core Design Contradiction:

SpeedVSDevice complexity

Solution Approach 1:

The patent implements preliminary actions by pre-defining offer rules, criteria, and user profile templates before transactions occur. When a transaction happens, the system simply matches it against pre-established rules rather than performing complex analysis in real-time, enabling fast responsiveness without excessive system complexity.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The transaction handler performs self-service processing by automatically generating user profiles and determining offer eligibility based on transaction data without requiring manual intervention or complex external processing, thus achieving real-time performance with manageable system complexity.

Inventive Principle:

Principle #25Self-service

3Adaptability or versatility

If user profiles are generated from transaction data, then advertising personalization is improved, but data processing requirements increase

Engineering Contradiction:

Improveadvertising personalizationVSAvoiddata processing volume

Core Design Contradiction:

Adaptability or versatilityVSQuantity of substance

Solution Approach 1:

The patent extracts only the necessary information from transaction data to generate user profiles, focusing on key attributes such as spending patterns, preferences, and demographics rather than processing all transaction details. This selective extraction enables effective personalization while minimizing data processing volume and requirements.

Inventive Principle:

Principle #2Taking out (Extraction)

4Measurement precision

If targeted offers are delivered based on transaction data, then marketing precision is improved, but user consent management becomes more complex

Engineering Contradiction:

Improvemarketing precisionVSAvoidconsent management complexity

Core Design Contradiction:

Measurement precisionVSDevice complexity

Solution Approach 1:

The system performs preliminary consent management by obtaining user authorization preferences before transaction processing begins. Users provide consent settings in advance, and the transaction handler uses these pre-established preferences to determine whether to generate profiles and deliver offers, simplifying ongoing consent management while maintaining marketing precision.

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS10628842B2Systems and methods to communicate offer options via messaging in real time with processing of payment transaction

Publication Date: 2020.04.21 VISA INTERNATIONAL SERVICE ASSOCIATION

AI summary

In one aspect, a computing apparatus is configured to facilitate the redemption of loyalty currency in a payment transaction via facilitating awareness of the payment transaction, managing the consumer segmentation and offering promotions, validating available points currency, managing a currency value exchange rate, applying deductions to consumer currency balance, facilitating consumer reimbursement, invoicing for currency exchange, and/or providing consumer engagement.