U.S. patent application number 14/828923 was filed with the patent office on 2015-12-10 for systems and methods for advanced targeting.
This patent application is currently assigned to American Express Travel Related Services Company, Inc.. The applicant listed for this patent is American Express Travel Related Services Company, Inc.. Invention is credited to Anant Athale.
Application Number | 20150356103 14/828923 |
Document ID | / |
Family ID | 49236573 |
Filed Date | 2015-12-10 |
United States Patent
Application |
20150356103 |
Kind Code |
A1 |
Athale; Anant |
December 10, 2015 |
SYSTEMS AND METHODS FOR ADVANCED TARGETING
Abstract
A system for testing the effectiveness of webpage configurations
is disclosed. Tags indicating dependency between sections of a
webpage may be associated with the sections. In response to a
version of a first section of a webpage being tested, an associated
tag may indicate that the content or behavior of a second section
is dependent on the first section. A webpage configuration
including content of the first section, and corresponding behavior
and content of the second section, may be transmitted to a web
client. Data may be collected indicating the effectiveness of the
webpage configuration.
Inventors: |
Athale; Anant; (Cave Creek,
AZ) |
|
Applicant: |
Name |
City |
State |
Country |
Type |
American Express Travel Related Services Company, Inc. |
New York |
NY |
US |
|
|
Assignee: |
American Express Travel Related
Services Company, Inc.
New York
NY
|
Family ID: |
49236573 |
Appl. No.: |
14/828923 |
Filed: |
August 18, 2015 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
|
|
13436579 |
Mar 30, 2012 |
9141719 |
|
|
14828923 |
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Current U.S.
Class: |
709/224 |
Current CPC
Class: |
G06F 16/9566 20190101;
G06F 16/958 20190101; H04L 43/10 20130101; H04L 67/22 20130101 |
International
Class: |
G06F 17/30 20060101
G06F017/30; H04L 12/26 20060101 H04L012/26; H04L 29/08 20060101
H04L029/08 |
Claims
1. A computer-implemented method comprising: modifying, by a
computer-based system, a second content of a second section of a
webpage; and modifying, by the computer-based system and in
response to the modifying the second content of the second section,
a first content of a first section of the webpage, based on a
second tag indicating that the second content of the second section
is dependent on the first content of the first section, wherein the
first section comprises a first tag indicating that the second
content of the second section of the webpage is dependent on the
first content of the first section, wherein the second section
comprises a second tag indicating that the second content of the
second section of the webpage is dependent on the first content of
the first section.
2. The method of claim 1, wherein the second content of the second
section is selected dynamically based upon the first content of the
first section.
3. The method of claim 1, further comprising transmitting, by the
computer-based system, a first webpage configuration comprising a
first version of the first section and a first version of the
second section to a first web client, in response to receiving a
request to access the webpage.
4. The method of claim 1, further comprising determining, by the
computer-based system, behavior of the second section is dependent
on the first content of the first section.
5. The method of claim 1, further comprising monitoring, by the
computer-based system, the first web client to obtain effectiveness
data associated with at least one of the first webpage
configuration or a second webpage configuration.
6. The method of claim 5, wherein the effectiveness data comprises
at least one of number of user clicks, number of user enrollments,
amount of time spent on the webpage, or user survey responses.
7. The method of claim 1, further comprising transmitting, by the
computer-based system, a second webpage configuration comprising a
second version of the first section and a second version of the
second section to a second web client.
8. The method of claim 7, further comprising comparing, by the
computer-based system, the effectiveness data associated with the
first webpage configuration with the effectiveness data associated
with the second webpage configuration.
9. The method of claim 1, further comprising determining, by the
computer-based system and based on the first tag, that the second
content of the second section of the webpage is dependent on the
first content of the first section.
10. The method of claim 1, further comprising: identifying, by the
computer-based system, a first version of the first section of the
webpage to be tested; retrieving, by the computer-based system, the
first version of the first section; and selecting, by the
computer-based system, a first version of the second section based
on the first version of the first section.
11. The method of claim 1, further comprising associating, by the
computer-based system, the first tag with the first section.
12. The method of claim 11, wherein a behavior of the second
section is selected based upon the first tag.
13. The method of claim 11, wherein the first tag comprises
html.
14. The method of claim 1, wherein the second tag indicates that a
behavior of the second section is dependent on the first
section.
15. The method of claim 1, further comprising storing, by the
computer-based system, multivariate test results.
16. The method of claim 1, further comprising: receiving, by the
computer-based system, information associated with a user; and
identifying, by the computer-based system, a first version of the
first section of the webpage to be tested based upon the
information associated with the user.
17. The method of claim 16, further comprising associating, by the
computer-based system, the information associated with the user
with effectiveness data associated the first webpage
configuration.
18. The method of claim 1, wherein the first section comprises
features of a transaction account, and wherein the second section
comprises benefits associated with the features.
19. 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:
modifying, by the computer-based system, a second content of a
second section of a webpage; and modifying, by the computer-based
system and in response to the modifying the second content of the
second section, a first content of a first section of the webpage,
based on a second tag indicating that the second content of the
second section is dependent on the first content of the first
section, wherein the first section comprises a first tag indicating
that the second content of the second section of the webpage is
dependent on the first content of the first section, wherein the
second section comprises a second tag indicating that the second
content of the second section of the webpage is dependent on the
first content of the first section.
20. A system comprising: a processor, a tangible, non-transitory
memory configured to communicate 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: modifying, by the processor, a
second content of a second section of a webpage; and modifying, by
the processor and in response to the modifying the second content
of the second section, a first content of a first section of the
webpage, based on a second tag indicating that the second content
of the second section is dependent on the first content of the
first section, wherein the first section comprises a first tag
indicating that the second content of the second section of the
webpage is dependent on the first content of the first section,
wherein the second section comprises a second tag indicating that
the second content of the second section of the webpage is
dependent on the first content of the first section.
Description
CROSS-REFERENCE TO RELATED APPLICATIONS
[0001] This application is a continuation of, claims priority to
and the benefit of, U.S. Ser. No. 13/436,579 filed Mar. 30, 2012
and entitled "SYSTEMS AND METHODS FOR ADVANCED TARGETING," which is
incorporated herein in its entirety.
BACKGROUND
[0002] 1. Field
[0003] The disclosure generally relates to testing systems for web
page configurations, and more particularly, to an advanced
targeting system for selecting and transmitting effective web
configurations to users.
[0004] 2. Related Art
[0005] Organizations depend on their websites for various business
purposes. Website operators face challenges in maximizing the
conversion rates and the effectiveness of the website, such as the
number of consumers that make a purchase from the website, the
number of people converting into card members with the
organization, or the number that signup for newsletters etc. A
website's conversion rate and/or the effectiveness is a measure of
how successfully the website persuades users to act on what is
offered by the website.
[0006] In order to determine an effectiveness of a website, the
website is first tested amongst different users by presenting
multiple versions of the website content and determining the most
effective website version to be transmitted to the users when the
website goes live. There are various methods for determining the
effectiveness of the website content. One way to do so is by
defining a plurality of sections within the web page and presenting
specific sections only based on a user's profile or history with
the website. Conventional systems and methods control one or more
sections independently on the web page. However, none of the
existing methods check for dependencies amongst the content and the
sections of the web page. Therefore, the various webpage
configurations are not effectively tested.
[0007] Thus, there is a need for a method, system and/or program
for advanced targeting and providing the most relevant information
to the user, in order to increase the conversion rate and the
effectiveness of the website. Also, there is a need for a system
that is able to test webpage content where the content of two
sections may be dependent on each other.
SUMMARY
[0008] The present disclosure includes systems, methods, and
articles of manufacture for testing webpage effectiveness. The
method may comprise using a computer-based system to store a
plurality of webpage configurations in a database. A first version
of a first section of a webpage may be identified for testing. The
computer-based system may determine that content of a second
section of the webpage is dependent on content of the first
section. The computer-based system may select a first version of
the second section based on the first version of the first section,
and transmit a first webpage configuration comprising the first
version of the first section and the fist version of the second
section to a first web client. The transmitting may occur in
response to receiving a request to access the webpage.
[0009] In various embodiments, the content of the second section
may be selected dynamically based upon the content of the first
section. The method may include determining that behavior of the
second section is dependent on the content of the first section.
The method may further include storing effectiveness data
associated with the first webpage configuration. The effectiveness
data may comprise at least one of number of user clicks, number of
user enrollments, amount of time spent on the webpage, and user
survey responses.
[0010] The method may further comprise transmitting a second
webpage configuration comprising a second version of the first
section and a second version of the second section to a second web
client. The method may include storing effectiveness data
associated with the second webpage configuration. The effectiveness
data associated with the first webpage configuration may be
compared with the effectiveness data associated with the second
webpage configuration. The most effective webpage configuration may
be selected to be displayed to users.
[0011] A tag may be associated with the first section. The tag may
indicate that the second section is dependent on the first section.
The content or behavior of the second section may be selected based
upon the tag. The tag may comprise html. A tag may be associated
with the second section. The tag may indicate that the second
section is dependent on the first section.
[0012] In various embodiments, the webpage testing comprises
multivariate testing. Results of the multivariate testing may be
stored, and the results may be used to determine the most effective
webpage configuration. The first section may comprise features of a
transaction account, and the second section may comprise benefits
associated with the features.
[0013] The method may further include receiving information
associated with a user. The first version of the first section of
the webpage to be tested may be identified based upon the
information associated with the user. The information associated
with the user may be stored and may be associated with
effectiveness data associated with the first webpage
configuration.
BRIEF DESCRIPTION OF THE DRAWINGS
[0014] The features and advantages of the disclosure will become
more apparent from the detailed description set forth below when
taken in conjunction with the drawings, in which like reference
numbers indicate identical or functionally similar elements.
Additionally, the left-most digit of a reference number identifies
the drawing in which the reference number first appears.
[0015] FIG. 1 is an environment in which an advanced targeting
module may be deployed, according to various embodiments of the
disclosure;
[0016] FIG. 2 is an implementation of the advanced targeting module
for selecting and transmitting effective web configurations to
users, according to various embodiments;
[0017] FIG. 3 is a screen shot of a first version of a web page
configuration with a first version of a first section and a second
section, on an example online interface of a transaction account
issuer, according to various embodiments;
[0018] FIG. 4 is a screen shot of a second version of a web page
configuration with a second version of a first section and a second
section, on an example online interface of a transaction account
issuer, according to various embodiments;
[0019] FIG. 5 is a screen shot of a third version of the web page
configuration with a third version of a first section and a second
section, on an example online interface of a transaction account
issuer, according to various embodiments;
[0020] FIG. 6 is a flowchart illustrating one example process for
selecting and transmitting effective web configurations to users,
according to various embodiments; and
[0021] FIG. 7 is a block diagram of an exemplary computer system,
according to various embodiments.
DETAILED DESCRIPTION
[0022] The detailed description of exemplary embodiments herein
makes reference to the accompanying drawings and pictures, which
show various embodiments by way of illustration. While these
various embodiments are described in sufficient detail to enable
those skilled in the art to practice the disclosure, it should be
understood that other embodiments may be realized and that logical
and mechanical changes may be made without departing from the
spirit and scope of the disclosure. Thus, the detailed description
herein is presented for purposes of illustration only and not of
limitation. For example, the steps recited in any of the method or
process descriptions may be executed in any order and are not
limited to the order presented. Moreover, any of the functions or
steps may be outsourced to or performed by one or more third
parties. Furthermore, any reference to singular includes plural
embodiments, and any reference to more than one component may
include a singular embodiment.
[0023] Phrases and terms similar to "transaction account" may
include any account that may be used to facilitate a financial
transaction.
[0024] The systems, methods and computer program products disclosed
in conjunction with various embodiments of the disclosure are
embodied in systems and methods for advanced targeting. The phrase
"advanced targeting" is only exemplary and used for descriptive
purposes, and must not be construed to limit the scope of the
disclosure.
[0025] FIG. 1 shows an environment 100 in which the disclosure may
be utilized, in accordance with various embodiments. Environment
100 may include at least one web client, such as a web client 102,
at least one content management database, such as a content
management database 104, a test configuration database 106, an
advanced targeting module 108, and a communication network 110. Web
client 102, content management database 104, test configuration
database 106, and advanced targeting module 108 may communicate
with each other over communication network 110. In various
embodiments, advanced targeting module 108 may be configured to
test the effectiveness of a web page configuration.
[0026] Examples of communication network 110 may include, but are
not limited to, a wide area network (WAN), a local area network
(LAN), an Ethernet, Internet, an Intranet, a cellular network, a
satellite network, or any other suitable network for transmitting
data. Communication network 110 may be implemented as a wired
network, a wireless network or a combination thereof.
[0027] Web client 102 may include any device (e.g., personal
computer) which communicates via any network, for example such as
those discussed herein. Such browser applications comprise Internet
browsing software installed within a computing unit or a system to
conduct online transactions and/or communications. These computing
units or systems may take the form of a computer or set of
computers, although other types of computing units or systems may
be used, including laptops, notebooks, tablets, hand held
computers, personal digital assistants, set-top boxes,
workstations, computer-servers, main frame computers,
mini-computers, PC servers, pervasive computers, network sets of
computers, personal computers, such as iPads, iMACs, and MacBooks,
kiosks, terminals, point of sale (POS) devices and/or terminals,
televisions, or any other device capable of receiving data over a
network. A web-client may run Microsoft Internet Explorer, Mozilla
Firefox, Google Chrome, Apple Safari, or any other of the myriad
software packages available for browsing the internet.
[0028] Practitioners will appreciate that a web client may or may
not be in direct contact with an application server. For example, a
web client may access the services of an application server through
another server and/or hardware component, which may have a direct
or indirect connection to an Internet server. For example, a web
client may communicate with an application server via a load
balancer. In an exemplary embodiment, access is through a network
or the Internet through a commercially-available web-browser
software package.
[0029] As those skilled in the art will appreciate, a web client
includes an operating system (e.g., Windows NT,
95/98/2000/CE/Mobile, OS2, UNIX, Linux, Solaris, MacOS, PalmOS,
etc.) as well as various conventional support software and drivers
typically associated with computers. A web client may include any
suitable personal computer, network computer, workstation, personal
digital assistant, cellular phone, smart phone, minicomputer,
mainframe or the like. A web client can be in a home or business
environment with access to a network. In an exemplary embodiment,
access is through a network or the Internet through a commercially
available web-browser software package. A web client may implement
security protocols such as Secure Sockets Layer (SSL) and Transport
Layer Security (TLS). A web client may implement several
application layer protocols including http, https, ftp, and
sftp.
[0030] Content management database 104 may store one or more web
pages and the content of the web pages to be tested. Additionally,
content management database 104 may store tagged versions of the
content of the web pages for testing. For example, a web designer
may store rules related to the web page, the content of the web
page and tagging of the sections of the web page, in content
management database 104. The tags may indicate the
interdependencies between a plurality of sections within the web
page. For example, the tags may be hypertext markup language (HTML)
tags.
[0031] Test configuration database 106 may store the information
associated with a user interaction with the web page. For example,
the information may include, but is not limited to, user clicks,
number of user enrollments, amount of time spent on the web page,
and user survey responses, etc. Test configuration database 106 may
be updated in real time by advanced targeting module 108. Web
client 102 and advanced targeting module 108 may communicate with
content management database 104 and test configuration database 106
through communication network 110.
[0032] Content management database 104 and test configuration
database 106 may employ any type of database, such as relational,
hierarchical, graphical, or object-oriented structure and/or any
other database configurations. Common database products that may be
used to implement the databases include DB2 by IBM (Armonk, N.Y.),
various database products available from Oracle Corporation
(Redwood Shores, Calif.), Microsoft Access or Microsoft SQL Server
by Microsoft Corporation (Redmond, Wash.), MySQL by MySQL AB
(Uppsala, Sweden), or any other suitable database product.
Moreover, the databases may be organized in any suitable manner,
for example, as data tables or lookup tables. Each record may be a
single file, a series of files, a linked series of data fields or
any other data structure. Association of certain data may be
accomplished through any desired data association technique such as
those known or practiced in the art. For example, the association
may be accomplished either manually or automatically. Automatic
association techniques may include, for example, a database search,
a database merge, GREP, AGREP, SQL, using a key field in the tables
to speed searches, sequential searches through all the tables and
files, sorting records in the file according to a known order to
simplify lookup, and/or the like. The association step may be
accomplished by a database merge function, for example, using a
"key field" in pre-selected databases or data sectors. Various
database tuning steps are contemplated to optimize database
performance. For example, frequently used files such as indexes may
be placed on separate file systems to reduce In/Out ("I/O")
bottlenecks.
[0033] More particularly, a "key field" partitions the database
according to the high-level class of objects defined by the key
field. For example, certain types of data may be designated as a
key field in a plurality of related data tables and the data tables
may then be linked on the basis of the type of data in the key
field. The data corresponding to the key field in each of the
linked data tables is preferably the same or of the same type.
However, data tables having similar, though not identical, data in
the key fields may also be linked by using AGREP, for example. In
accordance with various embodiments, any suitable data storage
technique may be utilized to store data without a standard format.
Data sets may be stored using any suitable technique, including,
for example, storing individual files using an ISO/IEC 7816-4 file
structure; implementing a domain whereby a dedicated file is
selected that exposes one or more elementary files containing one
or more data sets; using data sets stored in individual files using
a hierarchical filing system; data sets stored as records in a
single file (including compression, SQL accessible, hashed via one
or more keys, numeric, alphabetical by first tuple, etc.); Binary
Large Object (BLOB); stored as ungrouped data elements encoded
using ISO/IEC 7816-6 data elements; stored as ungrouped data
elements encoded using ISO/IEC Abstract Syntax Notation (ASN.1) as
in ISO/IEC 8824 and 8825; and/or other proprietary techniques that
may include fractal compression methods, image compression methods,
etc.
[0034] In various embodiments, the ability to store a wide variety
of information in different formats is facilitated by storing the
information as a BLOB. Thus, any binary information can be stored
in a storage space associated with a data set. As discussed above,
the binary information may be stored on the financial transaction
instrument or external to but affiliated with the financial
transaction instrument. The BLOB method may store data sets as
ungrouped data elements formatted as a block of binary via a fixed
memory offset using either fixed storage allocation, circular queue
techniques, or best practices with respect to memory management
(e.g., paged memory, least recently used, etc.). By using BLOB
methods, the ability to store various data sets that have different
formats facilitates the storage of data associated with the
financial transaction instrument by multiple and unrelated owners
of the data sets. For example, a first data set which may be stored
may be provided by a first party, a second data set which may be
stored may be provided by an unrelated second party, and yet a
third data set which may be stored, may be provided by an third
party unrelated to the first and second party. Each of these three
exemplary data sets may contain different information that is
stored using different data storage formats and/or techniques.
Further, each data set may contain subsets of data that also may be
distinct from other subsets.
[0035] As stated above, in various embodiments of content
management database 104 and test configuration database 106, the
data can be stored without regard to a common format. However, in
one exemplary embodiment, the data set (e.g., BLOB) may be
annotated in a standard manner when provided for manipulating the
data onto the financial transaction instrument. The annotation may
comprise a short header, trailer, or other appropriate indicator
related to each data set that is configured to convey information
useful in managing the various data sets. For example, the
annotation may be called a "condition header", "header", "trailer",
or "status", herein, and may comprise an indication of the status
of the data set or may include an identifier correlated to a
specific issuer or owner of the data. In one example, the first
three bytes of each data set BLOB may be configured or configurable
to indicate the status of that particular data set; e.g., LOADED,
INITIALIZED, READY, BLOCKED, REMOVABLE, or DELETED. Subsequent
bytes of data may be used to indicate for example, the identity of
the issuer, user, transaction/membership account identifier or the
like. Each of these condition annotations are further discussed
herein.
[0036] The data set annotation may also be used for other types of
status information as well as various other purposes. For example,
the data set annotation may include security information
establishing access levels. The access levels may, for example, be
configured to permit only certain individuals, levels of employees,
companies, or other entities to access data sets, or to permit
access to specific data sets based on the transaction, merchant,
issuer, user or the like. Furthermore, the security information may
restrict/permit only certain actions such as accessing, modifying,
and/or deleting data sets. In one example, the data set annotation
indicates that only the data set owner or the user are permitted to
delete a data set, various identified users may be permitted to
access the data set for reading, and others are altogether excluded
from accessing the data set. However, other access restriction
parameters may also be used allowing various entities to access a
data set with various permission levels as appropriate.
[0037] The data, including the header or trailer may be received by
a stand alone interaction device configured to add, delete, modify,
or augment the data in accordance with the header or trailer. As
such, in various embodiments, the header or trailer is not stored
on the transaction device along with the associated issuer-owned
data but instead the appropriate action may be taken by providing
to the transaction instrument user at the stand alone device, the
appropriate option for the action to be taken. The system may
contemplate a data storage arrangement wherein the header or
trailer, or header or trailer history, of the data is stored on the
transaction instrument in relation to the appropriate data.
[0038] One skilled in the art will also appreciate that, for
security reasons, any databases, systems, devices, servers or other
components of the system may consist of any combination thereof at
a single location or at multiple locations, wherein each database
or system includes any of various suitable security features, such
as firewalls, access codes, encryption, decryption, compression,
decompression, and/or the like.
[0039] In various embodiments, advanced targeting module 108 may
facilitate in identifying a first version of a first section of a
web page to be tested. Advanced targeting module 108 may further
determine that content of a first version of a second section is
dependent on the first version of the first section of the web
page. Further, advanced targeting module 108 may determine based on
one or more tags associated with the first section and the second
section. Further, advanced targeting module 108 may select the
first version of the second section, based on the first version of
the first section, and further based on the dependency of the
second section on the first section. Subsequently, advanced
targeting module 108 may transmit a first web page configuration to
a first web client 102. The first web page configuration may
include the first version of the first section and the first
version of second section.
[0040] The system and method may be described herein in terms of
functional block components, screen shots, optional selections and
various processing steps. It should be appreciated that such
functional blocks may be realized by any number of hardware and/or
software components configured to perform the specified functions.
For example, the system may employ various integrated circuit
components, e.g., memory elements, processing elements, logic
elements, look-up tables, and the like, which may carry out a
variety of functions under the control of one or more
microprocessors or other control devices. Similarly, the software
elements of the system may be implemented with any programming or
scripting language such as C, C++, C#, Java, JavaScript, VBScript,
Macromedia Cold Fusion, COBOL, Microsoft Active Server Pages,
assembly, PERL, PHP, awk, Python, Visual Basic, SQL Stored
Procedures, PL/SQL, any UNIX shell script, and extensible markup
language (XML) with the various algorithms being implemented with
any combination of data structures, objects, processes, routines or
other programming elements. Further, it should be noted that the
system may employ any number of conventional techniques for data
transmission, signaling, data processing, network control, and the
like. Still further, the system could be used to detect or prevent
security issues with a client-side scripting language, such as
JavaScript, VBScript or the like. For a basic introduction of
cryptography and network security, see any of the following
references: (1) "Applied Cryptography: Protocols, Algorithms, And
Source Code In C," by Bruce Schneier, published by John Wiley &
Sons (second edition, 1995); (2) "Java Cryptography" by Jonathan
Knudson, published by O'Reilly & Associates (1998); (3)
"Cryptography & Network Security: Principles & Practice" by
William Stallings, published by Prentice Hall; all of which are
hereby incorporated by reference.
[0041] Referring to FIG. 2, advanced targeting module 108 is
depicted, according to various embodiments of the disclosure.
Advanced targeting module 108 may be configured to test an
effectiveness of a web page configuration. As illustrated in FIG.
2, advanced targeting module 108 may include an identification
module 202, a dependency module 204, a selection module 206, and a
transmission module 208. Advanced targeting module 108 may be
configured to communicate with content management database 104 and
test configuration database 106 through communication network 110.
However, in various embodiments, advanced targeting module 108 may
be implemented on a server of a third party service provider. A
user may communicate with advanced targeting module 108 through
communication network 110.
[0042] In various embodiments, advanced targeting module 108 may be
deployed on a server of a transaction account issuer (not shown in
the figure). A user may access a web page associated with a
transaction account, on an online interface associated with the
transaction account issuer. For example, the user may select to
view one amongst a plurality of types of transaction accounts. In
an example, the transaction account web page may be a credit card
information web page, a debit card information web page, a cash
card information web page etc. As will be understood, advanced
targeting module 108 may test different types of web page
configurations transmitted to different users to obtain most
effective web page configurations to be displayed to different
types of consumers.
[0043] The content of the transaction account web page to be tested
may be divided into one or more sections indicating different types
of information associated with the transaction account. For
example, for a selected card type, such as Gold Card, one section
may indicate a plurality of features available for the Gold card in
a "Features" section, and another section may indicate a plurality
of benefits associated with the features of the Gold card, in a
"Benefits" section, etc.
[0044] As will be understood by a person having ordinary skill in
the art, the various sections within the web page configuration may
be interdependent on each other. For example, the "Benefits"
section may be dependent on the "Features" section, and the
"Features" section may further be dependent on a "Card Type"
section. The sections within the web page may have one or more
associated tags indicating the interdependencies amongst them. For
example, the tags may be HTML tags. Further, the content and the
plurality of sections along with the associated tags within the
transaction account web page may be stored in content management
database 104. In various embodiments, a web designer may also store
predefined rules for tagging the sections within the web page in
content management database 104. Furthermore, the tagged versions
as well as the rules for tagging the sections may be retrieved from
the content management database 104 in the future for processing
the web page configuration.
[0045] Advanced targeting module 108 may receive a request to
access a web page. In response to receiving the request,
identification module 202 within advanced targeting module 108 may
identify a first section within the web page to be tested. For
example, a first version of the "Features" section in the
transaction account web page may be identified to be tested.
Subsequently, the identification module 202 may identify a first
version of the first section based on the information associated
with the user requesting the access to the web page. For example,
the user may select a desired card type or a desired transaction
account type to view the related features and benefits. The
identification module 202 may select the first version based on the
consumer's IP address or purchase history.
[0046] Subsequently, dependency module 204 may identify the tags
associated with the first version of the first section of the web
page. Further, dependency module 204 may determine, based on the
tags associated with the first section, that a second section is
dependent on the first section. Advanced targeting module 108 may
also associate tags with the second section to indicate that the
second section is dependent on the first section. Further, the
dependency module 204 may confirm the dependency of the second
section on the first section based on the tags associated with the
second section. For example, based on the tags associated with the
"Features" section, dependency module 204 may determine that the
"Benefits" section is dependent on the "Features" section.
Subsequently, advanced targeting module 108 may associate tags with
the "Benefits" section to indicate that the "Benefits" section is
dependent on the "Features" section.
[0047] The second section may be content dependent and/or behavior
dependent on the first section. For example, content dependency may
indicate that the first section drives the content of the second
section. The behavior dependency may indicate that the behavior of
the second section changes with any change in the content of the
first section. For example, if there are any additions or removals
or modifications in the "Features" section, then the corresponding
"Benefits" sections may need to be dynamically updated accordingly.
Based on the content of the "Features" section, the corresponding
behavior for the "Benefits" section may indicate that the benefits
should be displayed in a list or as a drop-down menu. In various
embodiments of the present disclosure, dependency module 204
identifies whether the second section is content dependent or
behavior dependent on the first section, based on the tags
associated with the first section.
[0048] Selection module 206 may select the second section based on
the dependency determination. The content of the second section may
be dynamically selected based on the content of the first section.
For example, if the feature selected in the "Features" section is
"Membership Rewards" then the content of the second section, i.e.,
the "Benefits" section may include information about the membership
rewards associated with the transaction account of the consumer.
For "Membership Rewards", or "Groceries" or "Travel Benefits" etc.,
in the "Features" section, the content of the "Benefits" section
may include "3.times. reward points on Airline ticketing" and/or
"2.times. reward points on Groceries" etc. Similarly, for a "Hotel
Benefits" feature selected in the "Features" section, the
"Benefits" section may include "10% off on Hotel Reservations".
[0049] Transmission module 208 may transmit the first version of
the first section and the selected first version of the second
section, in a first configuration of the web page to a first user
communicating with advanced targeting module 108 through a first
web client 102. The transmission of the first configuration of the
web page may be in response to receiving a request to access the
web page by a user. For example, the user may send a request to
access the transaction account web page and select a desired
transaction account type, such as "Credit Cards" or "Debit Cards"
or "Charge Cards" etc., to view the related features and benefits.
In response to the request by the user, transmission module 208 may
transmit a first configuration of the transaction account web page,
including the first version of the "Features" section and a first
version of the corresponding dependent "Benefits" section.
Furthermore, transmission module 208 may transmit a second web page
configuration including a second version of the first section and a
second version of the second section, to a second user
communicating with advanced targeting module 108 through a second
web client 102.
[0050] Similarly, different configurations of the transaction
account web page may be transmitted to different users for testing
the effectiveness of different web page configurations. Further,
advanced targeting module 108 may use multivariate testing to
obtain multivariate test results for the different web page
configurations. As will be understood by a person having ordinary
skill in the art, different configurations of the web pages may
include different versions of the first sections and the second
sections and so on.
[0051] Advanced targeting module 108 may monitor effectiveness data
associated with the first web page configuration, a second web page
configuration, and so on. For example, the effectiveness data may
include user clicks, number of user enrollments, amount of time
spent on the web page, user survey responses, etc. The
effectiveness data associated with the different web page
configurations may be stored in test configuration database 106.
For example, the effectiveness data associated with the first web
page configuration and further associated with a first user may be
stored in the test configuration database 106 and the effectiveness
data associated with the second web page configuration and further
associated with the second user may be stored separately in the
test configuration database 106. Additionally, the information
associated with the first and the second user such as, the user
login information, the user IDs etc., may be stored with the
corresponding effectiveness data in the test configuration database
106.
[0052] Subsequently, advanced targeting module 108 may compare the
effectiveness data associated with the different web page
configurations to obtain a most effective web page configuration.
For example, if the user response to the first web page
configuration is better than as compared to that of the second web
page configuration, then the first web page configuration is
selected to be the effective web page configuration. Further, the
obtained most effective web page configuration may be selected to
be displayed to all the users. In various embodiments, the most
effective web page configuration may be selected to be displayed to
all users that share one or more characteristics with the users
involved in the testing.
[0053] Referring now to FIGS. 3-6 the process flows and screenshots
depicted are merely embodiments and are not intended to limit the
scope of the disclosure. For example, the steps recited in any of
the method or process descriptions may be executed in any order and
are not limited to the order presented. It will be appreciated that
the following description makes appropriate references not only to
the steps and user interface elements depicted in FIGS. 3-6, but
also to the various system components as described above with
reference to FIGS. 1 and 2.
[0054] FIG. 3 is an illustration 300 illustrating a first version
of a web page configuration with a first version of a first section
and a first version of a second section. In various embodiments,
advanced targeting module 108 may receive a request to access a
transaction account issuer's website from a first user through a
first web client 102. For example, the user may select a card type
such as "Credit Card" from section 302 to view its related features
and benefits. In response to selecting the "Credit Card" option in
section 302, advanced targeting module 108 may display the type of
Credit Card to be selected by the user. For example, for a Gold
Card selected by the user, advanced targeting module 108 may
display its related features and benefits in the first version of
the first section and the first version of the second section. As
illustrated in the current example, the first version of the first
section may include a first version of the "Features" section 304.
The "Features" section 304 may include "Membership Rewards", "Hotel
Benefits", "Travel Benefits", and "Groceries". Further, for the
first version of the "Features" section 304, advanced targeting
module 108 may display the related first version of the second
section, i.e., the "Benefits" section 306. In said example, the
"Benefits" section 306 may include benefits related to the content
in the "Features" section 304, such as "3.times. reward points on
Airline Tickets", "2.times. reward points on Gas and Groceries",
"1.times. reward points on every purchase", and "10% off on select
hotel reservations". Also, advanced targeting module 108 may
display a user survey message that a user may wish to respond to.
As explained earlier, the user surveys may be used to determine
effectiveness data associated with the first version of the web
page configuration.
[0055] FIG. 4 is a screen shot 400 illustrating a second version of
a web page configuration with a second version of a first section
and a second version of a second section. On receiving a request
from a user to access a transaction account issuer webpage,
advanced targeting module 108 may display the corresponding
features and benefits in the second versions of the first section
and the second section. For example, the user may select a card
type such as "Credit Card" from section 402 to view its related
features and benefits. In response to selecting a "Credit Card"
from section 402, advanced targeting module 108 may display the
type of Credit Card to be selected by the user. For example, for a
Gold Card selected by the user, advanced targeting module 108 may
display its related features and benefits in the second version of
the first section and the second version of the second section. As
illustrated in the current example, the second version of the first
section may include the second version of the "Features" section
404. The "Features" section 404 may include "No Annual Fee", "Cash
back", "welcome offer", "Low Interest rates", "Dining Rewards", and
"Travel Benefits". As will be understood by a person having
ordinary skill in the art, there may be changes in the second
version of the "Features" section 404 as compared the first version
of the "Features" section 304. Therefore, the second version of the
second section, i.e., the second version of the "Benefits" section
406 may also be updated accordingly by advanced targeting module
108. Therefore, the second version of the "Benefits" section 406
may include "Earn 1500 bonus reward points on immediate
enrollment", "Low Interest rates on balance", "5% cash back on
select purchases", "5.times. reward points on Airline tickets",
"10% off on select restaurants", and "Zero Annual Fee". The user
may respond to the user surveys, and or enroll for the card if the
user finds the offers attractive. The information associated with
the user, such as the user survey response, user clicks, user
enrollment for the card etc., may be stored in test configuration
database 106 for determining the effectiveness data associated with
the second web page configuration.
[0056] FIG. 5 is a screen shot 500 illustrating a third version of
a web page configuration with a third version of a first section
and a third version of a second section. For example, the user may
select a card type such as "Debit Card" from section 502 to view
its related features and benefits. In response to selecting a
"Debit Card" from section 502, advanced targeting module 108 may
display the type of Debit Card to be selected by the user. For
example, for a Gold Debit Card selected by the user, advanced
targeting module 108 may display its related features and benefits
in the third version of the first section and the third version of
the second section. As illustrated in the current example, the
third version of the first section may include the third version of
the "Features" section 504. The "Features" section 504 may include
"Apparel discounts", "Cash back", "Dining Rewards", "No Annual Fee"
and "Travel Benefits". As will be understood by a person having
ordinary skill in the art, that there may be changes in the third
version of the "Features" section 504 as compared the first and the
second versions of the "Features" sections. Therefore, the third
version of the second section, i.e., the third version of the
"Benefits" section 506 may be updated accordingly by advanced
targeting module 108. Therefore, the third version of the
"Benefits" section 506 may include "2% cash back on select stores",
"Earn reward points on every purchase", "5% cash back on select
apparel brands", "2.times. reward points on Airline tickets", "10%
off on select restaurants", and "Zero Annual Fee". Additionally,
the user may respond to the user surveys, and or enroll for the
card if the user finds the offers attractive. Furthermore, the
information associated with the user, such as the user survey
response, user clicks, user enrollment for the card etc., may be
stored in test configuration database 106 for determining the
effectiveness data associated with the third web page
configuration.
[0057] FIG. 6 is a flow chart 600 illustrating one example process
of advanced targeting method according to various embodiments. A
computer based system may receive transaction account login
credentials associated with a user on a secure area of a
transaction account website. The transaction account website may
include an online interface associated with a transaction account
issuer. Further, the content of the transaction account web page to
be tested is divided into one or more sections indicating different
types of information associated with the transaction account. The
computer based system further receives a request to access a web
page configuration.
[0058] At step 602, a computer based system identifies a first
version of a first section within the web page to be tested. The
computer based system as described herein may include advanced
targeting module 108. Advanced targeting module 108 may be
implemented on a server of the transaction account issuer or on a
third party service provider. Subsequently the computer based
system identifies one or more tags associated with the first
version of the first section of the web page. Further, computer
based system may store the tags associated with the first version
of the first section of the web page in a content management
database 104 for future retrieval.
[0059] At step 604, the computer based system determines that a
content of a second section of the web page is dependent on the
first section. The computer based system may associate tags with
the second section to indicate that the second section is dependent
on the first section. Further, the associated tags may confirm the
dependency of the second section on the first section.
Additionally, the second section may be content dependent and/or
behavior dependent on the first section of the web page.
Furthermore, computer based system may store the tags associated
with the second section in the content management database 104.
[0060] In response to the determination, in step 606, the computer
based system may select the first version of the second section
based on the first section. Further, computer based system may
dynamically select the content of the second section based on the
content of the first section.
[0061] At step 608, the computer based system may transmit the
first version of the first section and the selected first version
of the second section, in a first configuration of the transaction
account web page to a first user. The user may communicate with the
computer based system through a first web client 102. Similarly,
the computer based system may transmit different configurations of
the transaction account web page to different users for testing the
effectiveness of different web page configurations. The computer
based system may use multivariate testing to obtain multivariate
test results for the different web page configurations. The
different configurations of the web pages may include different
versions of the first sections and the second sections and so
on.
[0062] The computer based system may monitor effectiveness data
associated with the first web page configuration, a second web page
configuration, and so on. The effectiveness data associated with
the different web page configurations may be compared to obtain a
most effective web page configuration. Consequently, the obtained
most effective web page configuration may be selected to be
displayed to all the users when the web page goes live. In various
embodiments, the most effective web page configuration may be
selected to be displayed to all users that share one or more
characteristics with the users involved in the testing. In various
embodiments, the computer based system may store the effectiveness
data associated with the different web page configurations in a
test configuration database 106.
[0063] The present disclosure (i.e., Default Payment Setting
Module, process 600, any part(s) or function(s) thereof) may be
implemented using hardware, software or a combination thereof, and
may be implemented in one or more computer systems or other
processing systems. However, the manipulations performed by the
disclosure were often referred to in terms, such as comparing or
checking, which are commonly associated with mental operations
performed by a human operator. No such capability of a human
operator is necessary, or desirable in most cases, in any of the
operations described herein, which form a part of the system.
Rather, the operations are machine operations. Useful machines for
performing the operations in the system may include general-purpose
digital computers or similar devices.
[0064] In fact, in accordance with various embodiments of the
present system, the present system is directed towards one or more
computer systems capable of carrying out the functionality
described herein.
[0065] The computer system 700 includes at least one processor,
such as a processor 702. Processor 702 is connected to a
communication infrastructure 704, for example, a communications
bus, a cross over bar, a network, and the like. Various software
embodiments are described in terms of this exemplary computer
system 700. After reading this description, it will become apparent
to a person skilled in the relevant art(s) how to implement the
system using other computer systems and/or architectures.
[0066] The computer system 700 includes a display interface 706
that forwards graphics, text, and other data from the communication
infrastructure 704 for display on a display unit 708.
[0067] The computer system 700 further includes a main memory 710,
such as random access memory (RAM), and may also include a
secondary memory 712. The secondary memory 712 may further include,
for example, a hard disk drive 714 and/or a removable storage drive
716, representing a floppy disk drive, a magnetic tape drive, an
optical disk drive, etc. The removable storage drive 716 reads from
and/or writes to a removable storage unit 718 in a well known
manner. The removable storage unit 718 may represent a floppy disk,
magnetic tape or an optical disk, and may be read by and written to
by the removable storage drive 716. As will be appreciated, the
removable storage unit 718 includes a computer usable storage
medium having stored therein, computer software and/or data.
[0068] In accordance with various embodiments of the system, the
secondary memory 712 may include other similar devices for allowing
computer programs or other instructions to be loaded into the
computer system 700. Such devices may include, for example, a
removable storage unit 720, and an interface 722. Examples of such
may include a program cartridge and cartridge interface (such as
that found in video game devices), a removable memory chip (such as
an erasable programmable read only memory (EPROM), or programmable
read only memory (PROM)) and associated socket, and other removable
storage units 720 and interfaces 722, which allow software and data
to be transferred from the removable storage unit 720 to the
computer system 700.
[0069] The computer system 700 may further include a communication
interface 724. The communication interface 724 allows software and
data to be transferred between the computer system 700 and external
devices. Examples of the communication interface 724 include, but
may not be limited to a modem, a network interface (such as an
Ethernet card), a communications port, a Personal Computer Memory
Card International Association (PCMCIA) slot and card, and the
like. Software and data transferred via the communication interface
724 are in the form of a plurality of signals, hereinafter referred
to as signals 726, which may be electronic, electromagnetic,
optical or other signals capable of being received by the
communication interface 724. The signals 726 are provided to the
communication interface 724 via a communication path (e.g.,
channel) 728. The communication path 728 carries the signals 726
and may be implemented using wire or cable, fiber optics, a
telephone line, a cellular link, a radio frequency (RF) link and
other communication channels.
[0070] In this document, the terms "computer program medium" and
"computer usable medium" are used to generally refer to media such
as the removable storage drive 716, a hard disk installed in hard
disk drive 714, the signals 726, and the like. These computer
program products provide software to the computer system 700. The
disclosure is directed to such computer program products.
[0071] Computer programs (also referred to as computer control
logic) are stored in the main memory 710 and/or the secondary
memory 712. Computer programs may also be received via the
communication interface 704. Such computer programs, when executed,
enable the computer system 700 to perform the features of the
disclosure, as discussed herein. In particular, the computer
programs, when executed, enable the processor 702 to perform the
features of the disclosure. Accordingly, such computer programs
represent controllers of the computer system 700.
[0072] In accordance with various embodiments, where the system is
implemented using software, the software may be stored in a
computer program product and loaded into the computer system 700
using the removable storage drive 716, the hard disk drive 714 or
the communication interface 724. The control logic (software), when
executed by the processor 702, causes the processor 702 to perform
the functions of the system as described herein.
[0073] In various embodiments, the system may be implemented
primarily in hardware using, for example, hardware components such
as application specific integrated circuits (ASIC). Implementation
of the hardware state machine so as to perform the functions
described herein will be apparent to persons skilled in the
relevant art(s).
[0074] In various embodiments, the system is implemented using a
combination of both the hardware and the software.
[0075] While various embodiments of the disclosure have been
described above, it should be understood that they have been
presented by way of example, and not limitation. It will be
apparent to persons skilled in the relevant art(s) that various
changes in form and detail can be made therein without departing
from the spirit and scope of the disclosure. Thus, the disclosure
should not be limited by any of the above described exemplary
embodiments, but should be defined only in accordance with the
following claims and their equivalents.
[0076] In addition, it should be understood that the figures
illustrated in the attachments, which highlight the functionality
and advantages of the disclosure, are presented for example
purposes only. The architecture of the system is sufficiently
flexible and configurable, such that it may be utilized (and
navigated) in ways other than that shown in the accompanying
figures.
[0077] As will be appreciated by one of ordinary skill in the art,
the system may be embodied as a customization of an existing
system, an add-on product, a processing apparatus executing
upgraded software, a stand alone system, a distributed system, a
method, a data processing system, a device for data processing,
and/or a computer program product. Accordingly, any portion of the
system or a module may take the form of a processing apparatus
executing code, an internet based embodiment, an entirely hardware
embodiment, or an embodiment combining aspects of the internet,
software and hardware. Furthermore, the system may take the form of
a computer program product on a computer-readable storage medium
having computer-readable program code means embodied in the storage
medium. Any suitable computer-readable storage medium may be
utilized, including hard disks, CD-ROM, optical storage devices,
magnetic storage devices, and/or the like.
[0078] Practitioners will also appreciate that there are a number
of methods for displaying data within a browser-based document.
Data may be represented as standard text or within a fixed list,
scrollable list, drop-down list, editable text field, fixed text
field, pop-up window, and the like. Likewise, there are a number of
methods available for modifying data in a web page such as, for
example, free text entry using a keyboard, selection of menu items,
check boxes, option boxes, and the like.
[0079] In various embodiments, the methods described herein are
implemented using the various particular machines described herein.
The methods described herein may be implemented using the described
particular machines, and those hereinafter developed, in any
suitable combination, as would be appreciated immediately by one
skilled in the art. Further, as is unambiguous from this
disclosure, the methods described herein may result in various
transformations of certain articles.
[0080] The various system components discussed herein may include
one or more of the following: a host server or other computing
systems including a processor for processing digital data; a memory
coupled to the processor for storing digital data; an input
digitizer coupled to the processor for inputting digital data; an
application program stored in the memory and accessible by the
processor for directing processing of digital data by the
processor; a display device coupled to the processor and memory for
displaying information derived from digital data processed by the
processor; and a plurality of databases. Various databases used
herein may include: client data; merchant data; financial
institution data; and/or like data useful in the operation of the
system. As those skilled in the art will appreciate, user computer
may include an operating system (e.g., Windows NT, Windows
95/98/2000, Windows XP, Windows Vista, Windows 7, OS2, UNIX, Linux,
Solaris, MacOS, etc.) as well as various conventional support
software and drivers typically associated with computers.
[0081] In various embodiments, the server may include application
servers (e.g. WEB SPHERE, WEB LOGIC, JBOSS). In various
embodiments, the server may include web servers (e.g. APACHE, IIS,
GWS, SUN JAVA SYSTEM WEB SERVER).
[0082] In various embodiments, components, modules, and/or engines
of system 100 may be implemented as micro-applications or
micro-apps. Micro-apps are typically deployed in the context of a
mobile operating system, including for example, a Palm mobile
operating system, a Windows mobile operating system, an Android
Operating System, Apple iOS, a Blackberry operating system and the
like. The micro-app may be configured to leverage the resources of
the larger operating system and associated hardware via a set of
predetermined rules which govern the operations of various
operating systems and hardware resources. For example, where a
micro-app desires to communicate with a device or network other
than the mobile device or mobile operating system, the micro-app
may leverage the communication protocol of the operating system and
associated device hardware under the predetermined rules of the
mobile operating system. Moreover, where the micro-app desires an
input from a user, the micro-app may be configured to request a
response from the operating system which monitors various hardware
components and then communicates a detected input from the hardware
to the micro-app.
[0083] The various system components may be independently,
separately or collectively suitably coupled to the network via data
links which includes, for example, a connection to an Internet
Service Provider (ISP) over the local loop as is typically used in
connection with standard modem communication, cable modem, Dish
networks, ISDN, Digital Subscriber Line (DSL), or various wireless
communication methods, see, e.g., GILBERT HELD, UNDERSTANDING DATA
COMMUNICATIONS (1996), which is hereby incorporated by reference.
It is noted that the network may be implemented as other types of
networks, such as an interactive television (ITV) network.
Moreover, the system contemplates the use, sale or distribution of
any goods, services or information over any network having similar
functionality described herein.
[0084] "Cloud" or "Cloud computing" includes a model for enabling
convenient, on-demand network access to a shared pool of
configurable computing resources (e.g., networks, servers, storage,
applications, and services) that can be rapidly provisioned and
released with minimal management effort or service provider
interaction. Cloud computing may include location-independent
computing, whereby shared servers provide resources, software, and
data to computers and other devices on demand. For more information
regarding cloud computing, see the NIST's (National Institute of
Standards and Technology) definition of cloud computing at
http://csrc.nist.gov/groups/SNS/cloud-computing/cloud-def-v15.doc
(last visited Feb. 4, 2011), which is hereby incorporated by
reference in its entirety.
[0085] The computers discussed herein may provide a suitable
website or other Internet-based graphical user interface which is
accessible by users. In various embodiments, the Microsoft Internet
Information Server (IIS), Microsoft Transaction Server (MTS), and
Microsoft SQL Server, are used in conjunction with the Microsoft
operating system, Microsoft NT web server software, a Microsoft SQL
Server database system, and a Microsoft Commerce Server.
Additionally, components such as Access or Microsoft SQL Server,
Oracle, Sybase, Informix MySQL, Interbase, etc., may be used to
provide an Active Data Object (ADO) compliant database management
system. In various embodiments, the Apache web server is used in
conjunction with a Linux operating system, a MySQL database, and
the Perl, PHP, and/or Python programming languages.
[0086] Any of the communications, inputs, storage, databases or
displays discussed herein may be facilitated through a website
having web pages. The term "web page" as it is used herein is not
meant to limit the type of documents and applications that might be
used to interact with the user. For example, a typical website
might include, in addition to standard HTML documents, various
forms, Java applets, JavaScript, active server pages (ASP), common
gateway interface scripts (CGI), extensible markup language (XML),
dynamic HTML, cascading style sheets (CSS), AJAX (Asynchronous
Javascript And XML), helper applications, plug-ins, and the like. A
server may include a web service that receives a request from a web
server, the request including a URL
(http://yahoo.com/stockquotes/ge) and an IP address
(123.56.789.234). The web server retrieves the appropriate web
pages and sends the data or applications for the web pages to the
IP address. Web services are applications that are capable of
interacting with other applications over a communications means,
such as the internet. Web services are typically based on standards
or protocols such as XML, SOAP, AJAX, WSDL and UDDI. Web services
methods are well known in the art, and are covered in many standard
texts. See, e.g., ALEX NGHIEM, IT WEB SERVICES: A ROADMAP FOR THE
ENTERPRISE (2003), hereby incorporated by reference.
[0087] As used herein, "transmit" may include sending electronic
data from one system component to another over a network
connection. Additionally, as used herein, "data" may include
encompassing information such as commands, queries, files, data for
storage, and the like in digital or any other form.
[0088] The phrases consumer, customer, user, account holder,
cardmember or the like shall include any person, entity, government
organization, business, machine associated with a transaction
account, buys merchant offerings offered by one or more merchants
using the account and/or who is legally designated for performing
transactions on the account, regardless of whether a physical card
is associated with the account. For example, the cardmember may
include a transaction account owner, a transaction account user, an
account affiliate, a child account user, a subsidiary account user,
a beneficiary of an account, a custodian of an account, and/or any
other person or entity affiliated or associated with a transaction
account.
[0089] For the sake of brevity, conventional data networking,
application development and other functional aspects of the systems
(and components of the individual operating components of the
systems) may not be described in detail herein. Furthermore, the
connecting lines shown in the various figures contained herein are
intended to represent exemplary functional relationships and/or
physical couplings between the various elements. It should be noted
that many alternative or additional functional relationships or
physical connections may be present in a practical system.
[0090] The system and method is described herein with reference to
screen shots, block diagrams and flowchart illustrations of
methods, apparatus (e.g., systems), and computer program products
according to various embodiments. It will be understood that each
functional block of the block diagrams and the flowchart
illustrations, and combinations of functional blocks in the block
diagrams and flowchart illustrations, respectively, can be
implemented by computer program instructions.
[0091] These computer program instructions may be loaded onto a
general purpose computer, special purpose computer, or other
programmable data processing apparatus to produce a machine, such
that the instructions that execute on the computer or other
programmable data processing apparatus create means for
implementing the functions specified in the flowchart block or
blocks. These computer program instructions may also be stored in a
computer-readable memory that can direct a computer or other
programmable data processing apparatus to function in a particular
manner, such that the instructions stored in the computer-readable
memory produce an article of manufacture including instruction
means which implement the function specified in the flowchart block
or blocks. The computer program instructions may also be loaded
onto a computer or other programmable data processing apparatus to
cause a series of operational steps to be performed on the computer
or other programmable apparatus to produce a computer-implemented
process such that the instructions which execute on the computer or
other programmable apparatus provide steps for implementing the
functions specified in the flowchart block or blocks.
[0092] Accordingly, functional blocks of the block diagrams and
flowchart illustrations support combinations of means for
performing the specified functions, combinations of steps for
performing the specified functions, and program instruction means
for performing the specified functions. It will also be understood
that each functional block of the block diagrams and flowchart
illustrations, and combinations of functional blocks in the block
diagrams and flowchart illustrations, can be implemented by either
special purpose hardware-based computer systems which perform the
specified functions or steps, or suitable combinations of special
purpose hardware and computer instructions. Further, illustrations
of the process flows and the descriptions thereof may make
reference to user windows, webpages, websites, web forms, prompts,
etc. Practitioners will appreciate that the illustrated steps
described herein may comprise in any number of configurations
including the use of windows, webpages, web forms, popup windows,
prompts and the like. It should be further appreciated that the
multiple steps as illustrated and described may be combined into
single webpages and/or windows but have been expanded for the sake
of simplicity. In other cases, steps illustrated and described as
single process steps may be separated into multiple webpages and/or
windows but have been combined for simplicity.
[0093] In the detailed description herein, references to "various
embodiments", "one embodiment", "an embodiment", "an example
embodiment", etc., indicate that the embodiment described may
include a particular feature, structure, or characteristic, but
every embodiment may not necessarily include the particular
feature, structure, or characteristic. Moreover, such phrases are
not necessarily referring to the same embodiment. Further, when a
particular feature, structure, or characteristic is described in
connection with an embodiment, it is submitted that it is within
the knowledge of one skilled in the art to effect such feature,
structure, or characteristic in connection with other embodiments
whether or not explicitly described. After reading the description,
it will be apparent to one skilled in the relevant art(s) how to
implement the disclosure in alternative embodiments.
[0094] The term "non-transitory" is to be understood to remove only
propagating transitory signals per se from the claim scope and does
not relinquish rights to all standard computer-readable media that
are not only propagating transitory signals per se. Stated another
way, the meaning of the term "non-transitory computer-readable
medium" and "non-transitory computer-readable storage medium"
should be construed to exclude only those types of transitory
computer-readable media which were found in In Re Nuijten to fall
outside the scope of patentable subject matter under 35 U.S.C.
.sctn.101.
[0095] Benefits, other advantages, and solutions to problems have
been described herein with regard to specific embodiments. However,
the benefits, advantages, solutions to problems, and any elements
that may cause any benefit, advantage, or solution to occur or
become more pronounced are not to be construed as critical,
required, or essential features or elements of the disclosure. The
scope of the disclosure is accordingly to be limited by nothing
other than the appended claims, in which reference to an element in
the singular is not intended to mean "one and only one" unless
explicitly so stated, but rather "one or more." Moreover, where a
phrase similar to `at least one of A, B, and C` or `at least one of
A, B, or C` is used in the claims or specification, it is intended
that the phrase be interpreted to mean that A alone may be present
in an embodiment, B alone may be present in an embodiment, C alone
may be present in an embodiment, or that any combination of the
elements A, B and C may be present in a single embodiment; for
example, A and B, A and C, B and C, or A and B and C. Although the
disclosure includes a method, it is contemplated that it may be
embodied as computer program instructions on a tangible
computer-readable carrier, such as a magnetic or optical memory or
a magnetic or optical disk. All structural, chemical, and
functional equivalents to the elements of the above-described
exemplary embodiments that are known to those of ordinary skill in
the art are expressly incorporated herein by reference and are
intended to be encompassed by the present claims. Moreover, it is
not necessary for a device or method to address each and every
problem sought to be solved by the present disclosure, for it to be
encompassed by the present claims. Furthermore, no element,
component, or method step in the present disclosure is intended to
be dedicated to the public regardless of whether the element,
component, or method step is explicitly recited in the claims. No
claim element herein is to be construed under the provisions of 35
U.S.C. 112, sixth paragraph, unless the element is expressly
recited using the phrase "means for." As used herein, the terms
"comprises", "comprising", or any other variation thereof, are
intended to cover a non-exclusive inclusion, such that a process,
method, article, or apparatus that comprises a list of elements
does not include only those elements but may include other elements
not expressly listed or inherent to such process, method, article,
or apparatus.
[0096] Further, the purpose of the foregoing Abstract is to enable
the U.S. Patent and Trademark Office and the public generally, and
especially the scientists, engineers and practitioners in the art
who are not familiar with patent or legal terms or phraseology, to
determine quickly from a cursory inspection the nature and essence
of the technical disclosure of the application. The Abstract is not
intended to be limiting as to the scope of the disclosure in any
way.
* * * * *
References