Personalized consumer advertising placement

• US 20080091535A1
• Filed: 10/01/2007
• Published: 04/17/2008
• Est. Priority Date: 10/02/2006
• Status: Active Grant

• Current Assignee: Segmint Inc.
• Original Assignee: Segmint Inc.
• Inventors: Cale, John, Heiser, Russel, Shahan, Nathan
• Granted Patent: US 11,250,474 B2
• Time in Patent Office: Days
• US Class Current: 705/14.45
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0246 Traffic
• CPC Class Codes: G06Q 30/0257 User requested
• CPC Class Codes: G06Q 30/0264 based upon schedule
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 30/0273 Determination of fees for advertising
• CPC Class Codes: G06Q 30/0277 Online advertisement

Abstract

The subject personalized consumer advertising/ad placement system provides the ability for advertisers, ad agencies, and any other applicable organization to determine and electronically present their “ideal” consumer profile and have their advertisement/promotion placed in front of all consumers who match the profile based on the anonymous mining of the consumers actual spending across a broad base of spending categories.

Claims

1. A method for selectively delivering advertising to a set of consumers associated with a financial institution wherein the financial institution has records of financial expenditure activity of the consumers, including:

warehousing the financial records from the financial institution with an advertising delivery provider;

generating a market segment of consumers to receive a targeted advertising;

querying the warehoused financial records to identify consumers matching the market segment;

identifying a consumer who has logged on to a web site;

matching the consumer to the market segment; and

delivering the targeted advertising to the consumer for display on the web site.

2. The method of claim 1 wherein the warehousing includes identifying the consumers with the financial records and with an anonymous coding wherein the advertising delivery provider lacks any identifying information of the consumers except for an identity of the financial institution and the anonymous coding.

3. The method of claim 2 wherein the advertising delivery provider further cross-references the financial institution identity and anonymous coding to a cookie that is stored on a computer of the consumer.

4. The method of claim 2 further including recording a click on the delivered advertising by the consumer.

5. The method of claim 1 further including generating a campaign comprising the advertising wherein the campaign includes a desired number of consumers matching the market segment and delivering an ad to the consumers within a selected time period.

6. The method of claim 5 further including generating a campaign report indicating a number of consumers viewing the advertising within the time period, and communicating the campaign report to an advertiser who has defined the market segment.

7. The method of claim 1 including charging an advertiser who generated the advertising based on the delivering of the advertising to the consumer.

8. The method of claim 7 wherein the charging is further based on a number of consumers receiving the advertising.

9. The method of claim 8 wherein the charging is further based on a number of consumers who click-through on the delivered advertising.

10. The method of claim 7 wherein the generating a market segment comprises defining target consumers having a selected set of consumer characteristics reorganizable within the warehoused records.

11. The method of claim 10 wherein the charging comprises determining a pricing for the advertising as a function of a number of criteria chosen to define the market segment.

12. The method of claim 1 wherein the warehousing includes associating an anonymous coding of the advertising delivery provider with the individual records of each consumer respectively.

13. An internet advertising delivery system comprising:

a first interface configured to receive input used to define a market segment;

a database storing anonymous consumer identifications associated with financial information received from financial institutions, each anonymous consumer identification being associated with a respective consumer of at least one of the financial institutions, each anonymous consumer identification also being associated with the financial information of the consumer;

a processor including software configured to receive the input used to define the market segment and to query the database with the input to return anonymous consumer identifications matching the defined market segment based on the financial information of the consumers stored in the database; and

a second interface configured to receive and to display advertisements directed to consumers that are within the market segment.

14. The system of claim 13 wherein at least one of the first interface and the second interface is a web page.

15. The system of claim 13 wherein the anonymous consumer identification includes a first code that is assigned by at least one of the financial institutions and a second code that is not assigned by the financial institutions.

16. The system of claim 13 wherein the financial information stored in the database does not include the name of the consumer, address or the social security number of the consumer or the credit card number of the consumer.

17. The system of claim 13 wherein the software is configured to deliver a cookie through the second interface onto a computer operated by the consumers when the consumer logs onto a secure web site operated by the financial institutions.

18. The system of claim 13 wherein the software is configured to determine an amount of money to be charged per advertisement based on criteria chosen to define the market segment.

19. The system of claim 13 wherein the software is configured to determine whether the advertisements will reach a predetermined threshold of displays.

20. An internet communication system comprising:

a first interface configured to receive input defining a market segment;

a database storing anonymous customer identifications associated with financial information received from financial institutions, each anonymous customer identification being associated with a respective customer of at least one of the financial institutions, each anonymous customer identification also being associated with the financial information of the customer;

a processor including software configured to receive the input used to define the market segment and to query the database with the input for finding anonymous customer identifications matching the defined market segment based on the financial information of the customers stored in the database;

an internet communicator for sending the communication to the customers matching the defined market segment; and

a second interface configured to receive and to display the communication.

21. The system of claim 20 wherein at least one of the first interface and the second interface is a web page.

22. The system of claim 20 wherein the anonymous customer identification includes a first code that is assigned by at least one of the financial institutions and a second code assigned by a communication delivery provider, wherein the communication delivery provider maintains the database.

23. The system of claim 20 wherein the financial information stored in the database does not include the name of the customer, address or the social security number of the consumer or the credit card number of the customer.

24. The system of claim 20 wherein the software is configured to deliver a cookie through the second interface onto a computer operated by the customers when the customer logs onto a secure web site operated by the financial institutions and is further configured to determine whether the communication will reach a predetermined threshold of second interface displays.

25. The system of claim 20 wherein the software is configured to determine an amount of money to be charged per communication based on criteria chosen to define the market segment.