IP Library › Granted Patent US 9,928,514

Granted Patent B2

US 9,928,514 · App. 13/489,295 · Granted Mar 27, 2018

Systems and methods for delivering tailored content based upon a consumer profile

Inventors: Robert E. Morgan (Peoria, AZ); Hitesh K. Seth (East Windsor, NJ)

Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.

G06Q30/02

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Quick Facts

Patent No.: US 9,928,514
App. No.: 13/489,295
Granted: Mar 27, 2018
Kind: B2

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Abstract

The present disclosure includes a system, method, and article of manufacture for aggregating a consumer profile, identifying tailored content (e.g., in response to a trigger event and/or based upon a consumer profile), and/or tailoring a digital destination. For example, the systems may receive direct data indicating an interest in receiving specific content, aggregate that data into a consumer profile, compare the consumer profile to content, and/or identify tailored content based upon the comparison. Further, the systems may communicate the tailored content to a web client associated with a consumer, receive a transaction request from a web client, and/or receive bids associated with tailored content. In addition, these systems may prioritize tailored content comprising a plurality of tailored offers and/or forecast a budget for an upcoming experience.

Claims (71)

1. A method comprising:

comparing, by a computer-based system, content to a consumer profile of a consumer;

identifying, by the computer-based system, tailored content based on the comparing;

transmitting, by the computer-based system, the tailored content to a data partner system,

wherein the data partner system tailors a digital destination based on the tailored content and the consumer profile,

wherein the digital destination is an electronic presentation,

transmitting, by the computer-based system, cookies to a portable web client associated with the consumer;

obtaining, by the computer-based system, browsing information about the consumer from the cookies on the portable web client associated with the consumer;

displaying, by the computer-based system, the tailored content in a first section of the digital destination, wherein the first section is selectable on the portable web client, and wherein the first section is based on an interest of the consumer in the consumer profile;

receiving, by the computer-based system and from the portable web client, a software-enabled selection of the first section of the digital destination;

identifying, by the computer-based system, additional tailored content based on the software-enabled selection and based on relevancy of the additional tailored content to the consumer profile,

wherein the relevancy of the additional tailored content is based on transaction data associated with the consumer profile and based on recent content reviewed by the consumer,

wherein the transaction data includes transactions at merchants similar to merchants associated with the additional tailored content,

wherein the relevancy of the additional tailored content is further based on at least one of transactions in similar locations, amount of expense at similar locations, length of stay at similar locations, additional people included at similar locations, complementary transactions at similar locations, timing of transactions at similar locations, social media posts, previous travel arrangements or amount of time reviewing the recent content by the consumer,

displaying, by the computer-based system and in response to the software-enabled selection, the additional tailored content in the digital destination;

displaying, by the computer-based system, the tailored content in the digital destination such that the tailored content is only available to the portable web client of the consumer associated with the consumer profile; and

presenting, by the computer-based system, a tailored offer to the portable web client of the consumer in the digital destination, wherein the tailored offer is based on the tailored content and based on the transaction data from the consumer profile.

2. The method of claim 1 , further comprising aggregating, by the computer-based system, the consumer profile based upon at least one of: direct data or indirect data.

3. The method of claim 1 , further comprising transmitting, by the computer-based system, the consumer profile to the data partner system.

4. The method of claim 1 , wherein the data partner system tailors the digital destination based upon the consumer profile.

5. The method of claim 1 , further comprising authenticating, by the computer-based system, the consumer to a consumer account associated with the consumer profile based upon a software-enabled selection of an option displayed by the digital destination.

6. The method of claim 1 , further comprising identifying, by the computer-based system, the tailored content based upon a match between the content and a preference associated with the consumer profile.

7. The method of claim 1 , further comprising receiving, by the computer-based system, a transaction request from the portable web client associated with the consumer based upon the tailored content.

8. A system comprising:

a processor;

a tangible, non-transitory memory communicating with the processor;

the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:

comparing, by the processor, content to a consumer profile of a consumer;

identifying, by the processor, tailored content based on the comparing;

transmitting, by the processor, the tailored content to a data partner system,

wherein the data partner system tailors a digital destination based on the tailored content and the consumer profile,

wherein the digital destination is an electronic presentation,

transmitting, by the processor, cookies to a portable web client associated with the consumer;

obtaining, by the processor, browsing information about the consumer from the cookies on the portable web client associated with the consumer;

displaying, by the processor, the tailored content in a first section of the digital destination, wherein the first section is selectable on the portable web client, and wherein the first section is based on an interest of the consumer in the consumer profile;

receiving, by the processor and from the portable web client, a software-enabled selection of the first section of the digital destination;

identifying, by the processor, additional tailored content based on the software-enabled selection and based on relevancy of the additional tailored content to the consumer profile,

wherein the relevancy of the additional tailored content is based on transaction data associated with the consumer profile and based on recent content reviewed by the consumer,

wherein the transaction data includes transactions at merchants similar to merchants associated with the additional tailored content,

displaying, by the processor and in response to the software-enabled selection, the additional tailored content in the digital destination;

displaying, by the processor, the tailored content in the digital destination such that the tailored content is only available to the portable web client of the consumer associated with the consumer profile; and

presenting, by the processor, a tailored offer to the portable web client of the consumer in the digital destination, wherein the tailored offer is based on the tailored content and based on the transaction data from the consumer profile.

9. The system of claim 8 , further comprising aggregating, by the processor, the consumer profile based upon at least one of: direct data or indirect data.

10. The system of claim 8 , further comprising transmitting, by the processor, the consumer profile to the data partner system.

11. The system of claim 8 , wherein the data partner system tailors the digital destination based upon the consumer profile.

12. The system of claim 8 , further comprising authenticating, by the processor, the consumer to a consumer account associated with the consumer profile based upon a software-enabled selection of an option displayed by the digital destination.

13. The system of claim 8 , further comprising identifying, by the processor, the tailored content based upon a match between the content and a preference associated with the consumer profile.

14. The method of claim 8 , further comprising receiving, by the processor, a transaction request from the portable web client associated with the consumer based upon the tailored content.

15. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system, cause the computer-based system to perform operations comprising:

comparing, by the computer-based system, content to a consumer profile of a consumer;