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Abstract

An internet-based process through which merchants can execute targeted marketing campaigns to individuals based on payments data in addition to traditional criteria such as tastes, preferences and demographics. The process utilizes registration of bankcard association branded credit and debit cards as well as other payment vehicles for a consumer rewards program that tracks payment data at merchants that are registered for the service. The merchant has the ability to advertise to an infinite number of individuals with no up-front marketing costs, paying only a marketing fee that is a percentage of a transaction between a registered cardholder or payment vehicle holder and that merchant. Unlike traditional advertising, the invention allows merchants to discriminately offer different incentives (discounts or other incentives) to different consumers in a discrete fashion. The process helps entities that sell advertising (such as media companies) quantify the effectiveness of this advertising to merchants by tracking every time a registered consumer makes a purchase with the merchant. Additionally, the process helps both advertising and fundraising entities, such as non-profits, capture a percentage of the spending between registered cardholders or payment vehicle holders and merchants.

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First Claim