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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
First Claim
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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.

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