System and method for targeted marketing and consumer resource management
Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.
1. A computer-implemented method performed by an enterprise infrastructure comprising a processor and a non-transitory computer readable memory storing executable instructions, the processor executing the executable instructions to cause the enterprise infrastructure to perform the method comprising:
providing one or more consumers with a targeted communication selected from the group consisting of offers, savings, coupons, and advertisements,
wherein the targeted communication is related to a provider of products and services,
wherein the targeted communication relates to one or more targeting methods which comprise demographic, geographic, consumer preferences, consumer psychographics, recent purchases, recent uses, gift card ownership, store credit ownership, loyalty program memberships, event calendar, travel calendar, word of mouth, and/or previous campaign participation, and
wherein the targeted communication comprises data identifying why each of the one or more consumers receiving to targeted communication was targeted.
2. The computer-implemented method of claim 1 , wherein the targeting method relates to consumer information from an electronic wallet.
3. The computer-implemented method of claim 1 , wherein the targeted communication is further provided to an electronic wallet of a consumer.
4. The computer-implemented method of claim 1 , wherein the enterprise infrastructure allows the consumer to electronically view the targeted communication and reasons for receipt of the targeted communication.
5. The computer-implemented method of claim 1 , wherein the targeted communication provides an option for the consumer regarding whether to activate the targeted communication before receipt of the offer, coupon, or advertisement.
6. The computer-implemented method of claim 1 , wherein the enterprise infrastructure allows the consumer to modify how the consumer is targeted.
7. The computer-implemented method of claim 1 , wherein the targeted communication is based on a combination of two or more of the targeting methods.
8. The computer-implemented method of claim 7 , wherein one of the targeting methods is geographical location.
9. The computer-implemented method of claim 1 , wherein the targeting method relates to a future geographical location identified on an online calendar.
10. The computer-implemented method of claim 1 , wherein the target communication is delivered to an online consumer profile based on one of the targeting methods being related to that consumer profile.
11. The computer-implemented method of claim 1 , wherein the targeting method is an event selected from a birthday or wedding, wherein the event is identified in an online consumer profile.
12. The computer-implemented method of claim 1 , wherein the enterprise infrastructure solicits targeted communications from providers based on one or more consumer target methods.
13. The computer-implemented method of claim 1 , wherein the enterprise infrastructure solicits the targeted communication from providers based on two or more of the targeting methods.
14. The computer-implemented method of claim 1 , wherein the enterprise infrastructure solicits the targeted communication from providers based on one or more of the targeting methods, wherein at least one of the one or more targeting methods is an event identified in an online profile of the consumer receiving the targeted communication.
15. The computer-implemented method of claim 1 , wherein the targeted communication can be viewed by the consumer's mobile device.
16. The computer-implemented method of claim 15 , wherein the targeted communication is a code transmitted to a consumer's mobile device.
17. The computer-implemented method of claim 1 , wherein the targeted communication can be viewed using personal computers, laptops, handheld devices, mobile phones, kiosks or any other computing device capable of running World-Wide Web client applications.
18. The computer-implemented method of claim 1 , wherein providing comprises transmitting the targeted communication to a point of sale located at a second provider at a time of a consumer purchase of a good of a first provider at the point of sale, wherein the targeted communication is related to the consumer purchase of the good of the first provider at the point of sale of the second provider.