Consumer-specific advertisement presentation and offer library

• US 10,558,994 B2
• Filed: 05/10/2011
• Issued: 02/11/2020
• Est. Priority Date: 10/02/2006
• Status: Active Grant

• Current Assignee: Segmint Inc.
• Original Assignee: Segmint Inc.
• Inventors: Heiser, II, Russel Robert, Shahan, Nathan W.
• Primary Examiner(s): Netzloff, Eric R
• Assistant Examiner(s): Henry, Rodney M
• Application Number:
  US13/104,301
• Publication Number:
  US 20110276383A1
• Time in Patent Office: 3,199 Days
• Field of Search: 705 14
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06Q 30/0224 based on user history

Abstract

Systems and methods are described for presenting targeted offer advertisements to qualified customers while browsing the Internet. A designated interaction region such as a frame or border is positioned on each advertisement, and when a customer activates the border by clicking on or hovering a cursor there over, a menu of selectable options is displayed, from which the customer may select to perform an action on the offer. For instance, the customer may select an option to save the targeted offer to an offer library for later review. Additionally, the customer may select an option to access the offer library to review details of saved offers.

Claims

1. A method for storing targeted offers in an offer library for a customer during an online web browsing session, including:

detecting the consumer has logged into a secure web site of a financial institution and providing to the consumer'"'"'s computer a cookie that includes an ADIC for the customer that corresponds with a UCIC for the consumer;

detecting the customer has navigated away from the secure web site of the financial institution, and presenting a targeted offer to the customer on the web page being visited by the customer, wherein the targeted offer is unsolicited by the customer and selected by an ad provider using the advertisement delivery identification code (ADIC) corresponding to anonymous customer data that describes the customer and is provided to the ad provider from a third party source;

displaying a menu comprising a plurality of selectable options to the customer when the customer activates the menu, the options representing actions to be performed on the offer;

determining that the customer has actively selected, via an input device of an option for storing the offer in the offer library;

storing the offer to the offer library on a computer-readable medium upon receiving the customer input;

wherein the offer is targeted to the customer anonymously using the (ADIC);

wherein the foregoing steps are implemented through a processor programmed to execute computer-executable instructions;

wherein the web page is hosted by a financial institution and the customer is a customer of the financial institution;

wherein the targeted offer is an offer from the financial institution and further comprising targeting the customer for display of the offer using a unique customer identification code (UCIC) that associates the customer to anonymized financial information of the customer;

wherein the method further comprises updating the UCIC and the ADIC to reflect user interest in the subject matter of the offer based at least in part on the determination that the user has actively selected the option to store the offer in the offer library.

2. The method according to claim 1, wherein the plurality of selectable options in the menu further comprises one or more of:

an option for ignoring the offer;

an option for reminding the customer to review the offer before leaving the web page;

an option for presenting additional offer details to the customer immediately;

an option for presenting the offer library to the customer; and

an option for sending the offer to the customer via one or more of;

an email;

a text message;

a multimedia message service (MMS) type message; and

a social messaging service.

3. The method according to claim 2, further including presenting the offer library to the customer upon receiving customer input relating to selection of the option for presenting the offer library to the customer.

4. The method according to claim 3, wherein the offer library comprises only offers that the customer has selected to save to the offer library.

5. The method according to claim 3, wherein the offer library comprises all offers presented to the customer, regardless of whether the customer selected the option for saving the offers to the offer library.

6. The method according to claim 1, further including automatically deleting offers from the offer library upon an expiration date of the respective offers.

7. The method according to claim 1, further comprising displaying a designated interaction region, wherein the menu is activated when the customer interacts with the designated interaction region by at least one of:

clicking on the designated interaction region; and

hovering a cursor over the designated interaction region.

8. The method according to claim 1, wherein the targeted offer is an offer from a third-party marketer, and wherein the advertisement delivery identification code (ADIC) describes the customer without including information by which the personal identity of the customer is determinable.

9. A method of displaying targeted offers to qualified customers, comprising:

defining a plurality of advertisement zones on a web page;

characterizing each of the advertisement zones by defining one or more parameters of each advertising zone;

selecting an offer advertisement for each advertisement zone;

placing the selected offer advertisements in respective characterized advertisement zones;

positioning a designated interaction region on each advertisement zone, the designated interaction region being selectable by a customer viewing the web page to activate a menu comprising selectable options for executing predefined actions on the offer advertisements in the advertisement zones; and

,

wherein the foregoing steps are implemented through a processor programmed to execute computer-executable instructions stored on a computer-readable medium; and

detecting the consumer has logged in to a secure web site of a financial institution and providing to the consumer'"'"'s computer a cookie that includes an ADIC for the customer that corresponds with a UCIC for the consumer;

detecting the customer has navigated away from the secure web site of the financial institution, and presenting a targeted offer to the customer on the web page being visited by the customer, wherein the targeted offer is unsolicited by the customer and selected by an ad provider using the advertisement delivery identification code (ADIC) corresponding to anonymous customer data that describes the customer and is provided to the ad provider from a third party source;

wherein the selectable options comprise an option for reminding the customer to review the offer before leaving the web page.

10. The method according to claim 9, wherein the selectable options further comprise:

an option for declining the offer;

an option for presenting additional offer details to the customer immediately;

an option for storing the offer to an offer library;

an option for presenting the offer library to the customer; and

an option for sending the offer to the customer via one or more of;

an email;

a text message;

a multimedia message service (MMS) type message; and

a social messaging service.

11. The method according to claim 9, wherein the parameters comprise one or more of:

advertisement zone dimensions; and

advertisement zone shape.

12. The method according to claim 9, wherein the web page is hosted by a financial institution and the customer is a customer of the financial institution.

13. The method according to claim 12, further comprising:

allocating at least one of the plurality of advertisement zones for an internal offer advertisement from the financial institution; and

allocating at least one of the plurality of advertisement zones for an external offer advertisement from a third-party vendor.

14. A processor programmed to execute computer-executable instructions stored on a computer-readable medium, for performing the method of claim 9.

15. A system for permitting a customer to store targeted offers to an online offer library, comprising:

a web page on which is displayed to the customer a targeted offer wherein the targeted offer is unsolicited by the customer and selected by an ad provider using an advertisement delivery identification code (ADIC) corresponding to anonymous customer data provided to the ad provider from a third party source;

a processor that executes stored instructions for;

presenting the offer to the customer on a web page being visited by the customer;

displaying a menu comprising a plurality of selectable options to the customer when the customer activates the menu, the options representing actions to be performed on the offer;

determining that the customer has actively selected, via an input device, an option for storing the offer in the offer library; and

storing the offer to the offer library on a computer-readable medium upon receiving the customer input, wherein the offer library is accessible by the customer for customer review of the offers stored therein;

an designated interaction region on the offer; and

a menu comprising a plurality of selectable options, the menu being activated when the customer interacts with the designated interaction region;

detecting the consumer has logged in to a secure web site of a financial institution and providing to the consumer'"'"'s computer a cookie that includes an ADIC for the customer that corresponds with a UCIC for the consumer;

detecting the customer has navigated away from the secure web site of the financial institution, and presenting a targeted offer to the customer on the web page being visited by the customer, wherein the targeted offer is unsolicited by the customer and selected by an ad provider using the advertisement delivery identification code (ADIC) corresponding to anonymous customer data that describes the customer and is provided to the ad provider from a third party source;

wherein the web page is hosted by a financial institution and the customer is a customer of the financial institution.

16. The system according to claim 15, wherein the plurality of selectable options in the menu further comprises:

an option for ignoring the offer;

an option for reminding the customer to review the offer before leaving the web page;

an option for presenting additional offer details to the customer immediately;

the option for storing the offer to an offer library;

an option for displaying the offer library to the customer; and

an option for sending the offer to the customer via one or more of;

an email;

a text message;

a multimedia message service (MMS) type message; and

a social messaging service.

17. The system according to claim 16, wherein the processor further executes stored instructions for:

displaying the offer library to the customer upon selection of the option for displaying the offer library to the customer.