Diane Summer Leblanc, Age 795458 El Camile Ave, Oakland, CA 94619

2012000, Jan 5, 2012

Jun 28, 2011

13/171282

Diane LeBlanc - Belmont CA, US
Diane C. Salmon - Lafayette CA, US

VISA U.S.A. INC. - San Francisco CA

G06Q 30/00

705 1453

In one aspect, a computing apparatus is configured to profile the spending distribution of users who have made purchases from a merchant and who have paid for the purchases via a transaction handler (e.g., using credit cards, debit cards, prepaid cards). The spending distribution is determined based on transaction data of the users, where the transaction data records the transactions of the users for purchases from various merchants. The spending distribution is profiled to indicate the preference of the customers of the merchant as a whole and thus can be used to customize the ratio of media content provided to the customers of the merchant, such as the presentation ratio of advertisements from different merchants, or from merchants of different categories.