Granted Patent B2

US 12,243,055 · App. 18/487,915 · Granted Mar 4, 2025

Inventors: Russel Robert Heiser (Plano, TX); Nathan W. Shahan (Plano, TX)

Assignee: SEGMINT INC.

G06Q20/387G06F16/9535G06Q30/0211

Abstract

Claims (54)

1. A method of delivering a targeted information to an interface of a computing device, comprising:

receiving financial transaction data and a unique consumer identification code (UCIC) from an export system of a financial institution, wherein the financial transaction data is associated with the UCIC, and wherein the UCIC and the financial transaction data do not contain information that is traceable to the identity of a consumer;

creating, by one or more processors, an information delivery identification code (ADIC), wherein the UCIC and the ADIC are anonymous codings, and wherein the ADIC is linked to the UCIC for the consumer by the one or more processors;

associating, by one or more processors, the ADIC with the UCIC received from the financial institution and the financial transaction data associated with the UCIC, wherein the ADIC and UCIC are associated in an information delivery provider database;

associating, by the one or more processors, the ADIC with a unique identifier associated with a computing device used by the consumer as a result of the computing device logging into to the financial institution's computer system;

receiving one or more target consumer criteria for identifying recipients of a targeted information;

identifying, by the one or more processors, a recipient of the targeted information by matching the financial transaction data with the one or more target consumer criteria, wherein the recipient is identified using at least one of the ADIC and the UCIC;

detecting, by the one or more processors, the unique identifier associated with the computing device; and

delivering the targeted information to an interface of the computing device upon detection of the unique identifier;

wherein the step of associating the ADIC with the unique identifier comprises receiving the unique identifier from the computing device and associating the ADIC with the unique identifier; and

wherein the ADIC is a hashed address of the computing device.

2. The method of claim 1 , wherein the unique identifier comprises a cookie.

3. The method of claim 1 , wherein the unique identifier is stored on the computing device.

4. The method of claim 1 , further comprising determining that the unique identifier is associated with the at least one of the ADIC or UCIC identified as a recipient of the targeted information.

5. The method of claim 4 , wherein the unique identifier is a file stored on the computing device.

6. The method of claim 1 , wherein the ADIC is unique to a consumer linked to the UCIC.

7. The method of claim 1 , further comprising receiving anonymous information from the financial institution, wherein the anonymous information is associated with the UCIC.

8. The method of claim 7 , further comprising identifying, via the at least one of the ADIC or UCIC, the recipient of the targeted information by matching the anonymous information with the one or more criteria.

9. The method of claim 8 , wherein the anonymous information includes at least one of zip code, sex, or age.

10. The method of claim 1 , wherein the interface is a secure website operated by the financial institution.

11. The method of claim 1 , wherein the interface is a third-party information presenter's website.

12. The method of claim 1 , wherein the interface is an unsecure website.

13. The method of claim 1 , wherein the UCIC is an anonymous profile.

14. The method of claim 1 , further comprising creating a customer profile, wherein the customer profile comprises one or more customer indicators that include information about a consumer linked to the UCIC inferred from the financial transaction data.

15. The method of claim 14 , wherein the one or more criteria includes one or more desired indicators associated with a recipient of the targeted information.

16. The method of claim 15 , further comprising identifying, via the at least one of the ADIC or UCIC, the recipient of the targeted information by matching the one or more customer indicators with the one or more desired indicators.

17. A method of delivering a targeted information to an interface of a computing device, comprising:

receiving financial transaction data and a unique consumer identification code (UCIC) from an export system of a financial institution, wherein the financial transaction data is associated with the UCIC, and wherein the UCIC and the financial transaction data do not contain information that is traceable to the identity of a consumer;

creating, by one or more processors, an information delivery identification code (ADIC), wherein the UCIC and the ADIC are anonymous codings that are linked by the one or more processors;

associating, by one or more processors, the ADIC with the UCIC received from the financial institution and the financial transaction data associated with the UCIC, wherein the ADIC and UCIC are associated in an information delivery provider database;

associating, by the one or more processors, the ADIC with a unique identifier associated with a computing device used by the consumer as a result of the computing device logging into to the financial institution's computer system;

receiving one or more target consumer criteria for identifying recipients of a targeted information;

identifying, by the one or more processors, a recipient of the targeted information by matching the financial transaction data with the one or more target consumer criteria, wherein the recipient is identified using at least one of the ADIC and the UCIC;

detecting, by the one or more processors, the unique identifier associated with the computing device;

determining that the unique identifier is associated with the at least one of the ADIC or UCIC identified as a recipient of the targeted information; and

delivering the targeted information to an interface of the computing device upon detection of the unique identifier;

wherein the step of associating the ADIC with the unique identifier comprises receiving the unique identifier from the computing device and associating the ADIC with the unique identifier; and

wherein the ADIC is a hashed identifier.

18. The method of claim 17 , further comprising:

receiving anonymous information from the financial institution, wherein the anonymous information is associated with the UCIC and includes at least one of zip code, sex, or age; and

identifying, via the at least one of the ADIC or UCIC, a recipient of the targeted information by matching the non-identifying information with the one or more criteria.

19. The method of claim 18 , wherein the one or more criteria includes one or more desired indicators associated with a recipient of the targeted information, the method further comprising:

creating a customer profile, wherein the customer profile comprises one or more customer indicators that include information about the consumer linked to the UCIC and inferred from the financial transaction data; and

identifying, via the at least one of the ADIC or UCIC, the recipient of the targeted information by matching the one or more customer indicators with the one or more desired indicators.

20. A method of delivering a targeted information to an interface of a computing device, comprising:

receiving financial transaction data and a unique consumer identification code (UCIC) from an export system of a financial institution, wherein the financial transaction data is associated with the UCIC, and wherein the UCIC and the financial transaction data do not contain information that personally identifies any consumer linked to the UCIC;

creating, by one or more processors, an information delivery identification code (ADIC), wherein the UCIC and the ADIC are anonymous codes linked together by the one or more processors;

associating, by the one or more processors, the ADIC with a unique identifier of a computing device used by the consumer as a result of the computing device logging into to the financial institution's computer system;

receiving one or more target consumer criteria for identifying recipients of a targeted information;

identifying, by the one or more processors, a recipient of the targeted information by matching the financial transaction data with the one or more target consumer criteria, wherein the recipient is identified using at least one of the ADIC and the UCIC;

detecting, by the one or more processors, the unique identifier associated with the computing device; and

delivering the targeted information to an interface of the computing device upon detection of the unique identifier;

wherein the step of associating the ADIC with the unique identifier comprises receiving the unique identifier from the computing device and associating the ADIC with the unique identifier; and

wherein the ADIC is a hashed IP address.

Assignments (2)

Continuity (7)

References Cited (165)