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1. 发明申请

US20140164057A1 SYSTEMS AND METHODS FOR DETERMINING CONSUMER PURCHASING BEHAVIOR 审中-公开
标题翻译：用于确定消费者购买行为的系统和方法
公开(公告)号：US20140164057A1
公开(公告)日：2014-06-12
申请号：US14097464
申请日：2013-12-05
申请人： Andrew Wen , James Patterson
发明人： Andrew Wen , James Patterson
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0201 , G06Q30/06
摘要： Systems and methods are disclosed for analyzing and predicting spending behaviors of consumers. A financial service system configures a financial service account for a user associated with a merchant. The financial service system, after receiving notification of purchase transactions made by the user with the account, may collect information relating to the transactions. The financial service system may determine other merchants that “co-occur” with the first merchant—in other words, where else are the first merchant's customers shopping and who are their true competitors? The financial service system may then compile this data and provide it to the merchant, who may modify their business practices based on the information.
摘要翻译：披露了分析和预测消费者支出行为的系统和方法。金融服务系统为与商家相关联的用户配置金融服务帐户。金融服务体系在收到用户与账户进行购买交易的通知后，可以收集有关交易的信息。金融服务系统可以确定与第一商户“共同出售”的其他商家 - 换句话说，第一商家的客户还在哪里购物，谁是真正的竞争对手？金融服务系统然后可以编译这些数据并将其提供给商人，商人可以根据信息修改其商业惯例。

2. 发明申请

US20140164062A1 SYSTEMS AND METHODS FOR PERFORMING SOCIO-GRAPHIC CONSUMER SEGMENTATION FOR TARGETED ADVERTISING 审中-公开
标题翻译：执行针对性广告的社会图形消费者分类的系统和方法
公开(公告)号：US20140164062A1
公开(公告)日：2014-06-12
申请号：US14097421
申请日：2013-12-05
申请人： Andrew Wen , James Patterson
发明人： Andrew Wen , James Patterson
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0204 , G06Q30/0224 , G06Q30/0251
摘要： Systems and methods are disclosed for determining the financial characteristics of socio-graphic segments of social media users. A financial service system links a customer's social network profile to a financial service account associated with the customer. The financial service system may receive information relating to the social network profile, and identify one or more characteristics of the customer based on the information. The financial service system may proceed to associate the customer with one or more socio-graphic groups, or “clusters,” comprising customers sharing the same characteristic. The financial service system may then generate a spending model associated with the clusters, and provide it to advertisers for purposes of generating more useful, targeted advertising and incentives to the customers.
摘要翻译：披露了确定社交媒体用户的社会图形部分的财务特征的系统和方法。金融服务系统将客户的社交网络配置文件与与客户相关联的金融服务帐户进行链接。金融服务系统可以接收与社交网络简档相关的信息，并且基于该信息来识别客户的一个或多个特征。金融服务系统可以继续将客户与一个或多个社会图形组或“集群”相关联，包括共享相同特征的客户。然后，金融服务系统可以产生与集群相关联的支出模型，并且为了向客户生成更有用的，有针对性的广告和激励的目的，将其提供给广告商。

3. 发明申请

US20140164103A1 SYSTEMS AND METHODS FOR MEASURING ADVERTISING VALUE 审中-公开
标题翻译：用于衡量广告价值的系统和方法
公开(公告)号：US20140164103A1
公开(公告)日：2014-06-12
申请号：US14097443
申请日：2013-12-05
申请人： Andrew Wen
发明人： Andrew Wen
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0246
摘要： Systems and methods are provided for measuring advertising value based on consumer purchases. A financial service provider creates a baseline purchase rating for sales of a product based on consumer purchases over a first time period. The financial service provider receives advertisement information comprising a frequency of advertisements and a price of advertisements for the product over a second time period. The financial service provider additionally receives consumer purchase transaction information comprising a number of purchases for the product associated with the second time period. An advertisement purchase rating is determined based on the advertisement information and consumer purchase transaction information. The financial service provider may compare the advertisement purchase rating to the baseline purchase rating, and provide a report to participating merchants or to the marketplace at large examining the value of the advertisements based on the comparison.
摘要翻译：提供了系统和方法，用于衡量基于消费者购买的广告价值。金融服务提供商根据消费者购买在第一时间内为产品的销售创建基准购买评级。金融服务提供商在第二时间段内接收包括广告频率和广告价格的广告信息。金融服务提供商另外接收包括与第二时间段相关联的产品的多个购买的消费者购买交易信息。基于广告信息和消费者购买交易信息来确定广告购买评级。金融服务提供商可以将广告购买评级与基准购买评级进行比较，并根据比较向参与商家或市场提供报告，大量检查广告的价值。

4. 发明申请

US20140156368A1 SYSTEMS AND METHODS FOR PROVIDING CREDIT TO FINANCIAL SERVICE ACCOUNTS 审中-公开
标题翻译：提供信贷到金融服务账户的系统和方法
公开(公告)号：US20140156368A1
公开(公告)日：2014-06-05
申请号：US14094483
申请日：2013-12-02
申请人： Andrew Wen , Matthew Stern
发明人： Andrew Wen , Matthew Stern
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0215 , G06Q40/025
摘要： A system and method is provided for redeeming coupons to credit a customer's financial service account without sharing the customer's restricted information with merchants. The system and method may include a financial service provider receiving merchant transaction information from a merchant that reflects sale transactions associated with the merchant over a period of time. The financial service provider may compare the merchant transaction information with financial service accounts transaction information associated with financial service accounts provided by the financial service provider. Additionally, the financial service provider may identify a common transaction between the merchant transactions and the financial service accounts transactions based on one or more unique identifiers, determine the common transaction meets a predetermined credit requirement, and identify a customer's financial service account corresponding to the common transaction. Furthermore, the financial service provider may provide credit to the customer's financial service account based on the predetermined requirement.
摘要翻译：提供了一种系统和方法，用于兑换优惠券以授予客户的金融服务帐户，而不与商家共享客户的限制信息。该系统和方法可以包括金融服务提供者从商家接收反映在一段时间内与商家相关联的销售交易的商家交易信息。金融服务提供商可以将商家交易信息与金融服务提供商提供的与金融服务账户相关联的金融服务账户交易信息进行比较。此外，金融服务提供商可以基于一个或多个唯一标识符来识别商家交易和金融服务账户交易之间的公共交易，确定共同交易满足预定的信用要求，并且识别与公共对应的客户的金融服务账户交易。此外，金融服务提供商可以根据预定的要求向客户的金融服务账户提供信用。

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