Offer Management System and Methods for Targeted Marketing Offer Delivery System

• US 20100106568A1
• Filed: 06/17/2009
• Published: 04/29/2010
• Est. Priority Date: 10/24/2008
• Status: Abandoned Application

• Current Assignee: Cardlytics Incorporated
• Original Assignee: Cardlytics Incorporated
• Inventors: GRIMES, Scott
• Application Number:
  US12/486,146
• Publication Number:
  US 20100106568A1
• Time in Patent Office: Days
• US Class Current: 705/14.100
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0213 Consumer transaction fees
• CPC Class Codes: G06Q 30/0253 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0254 based on statistics
• CPC Class Codes: G06Q 30/0255 based on user history
• CPC Class Codes: G06Q 30/0261 based on user location
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute

Abstract

A system and methods for an offer management system for use in delivering targeted marketing offers to consumers during a session with an online (web-based) Internet portal, such as an online banking portal of a financial institution. A component receives aggregated transaction data from a financial transaction system for use in creation of an advertising campaign. A component provides a marketing campaign interface that allows advertisers to define an advertising campaign by display of information derived from the aggregated transaction data indicating potential market segments defined by the advertiser, define a predetermined market segment, and define a predetermined targeted marketing offer for delivery to consumers under predetermined conditions. A component outputs the campaign data to the financial institution for delivery of the targeted marketing offer to consumers within the predetermined market segment in response to the predetermined conditions during online sessions with the portal.

Claims

1. A targeted marketing offer management system operative for providing electronic targeted marketing offers for delivery to a financial institution consumer via an online portal associated with a financial institution, the online portal operative to provide a display of transactions of consumers during an online viewing session, comprising:

a database for storing targeted marketing campaign data, the targeted marketing campaign data comprising advertiser campaign data associated with a particular advertiser, segment data corresponding to at least one market segment defining properties of transactions that qualify for receiving a targeted marketing offer of the advertiser, and offer data corresponding to at least one targeted marketing offer;

a component for receiving aggregated consumer transaction data from a computer system of the financial institution;

a component for providing a marketing campaign interface for the advertiser, the marketing campaign interface allowing the advertiser to define campaign data corresponding to a predetermined marketing campaign by (a) display of information derived from the aggregated consumer transaction data indicating potential market segments definable by the advertiser, (b) advertiser entry of information for defining a predetermined market segment, and (c) advertiser entry of information for defining a predetermined targeted marketing offer for delivery to the predetermined market segment; and

a component for outputting the campaign data to the financial institution for delivery of the predetermined targeted marketing offer to consumers of the financial institution within the predetermined market segment,

whereby consumers in the predetermined market segment are provided with a display of the predetermined targeted marketing offer during an online session comprising a display of transactions of consumers via the online portal of the financial institution.

2. The system of claim 1, wherein the marketing campaign interface is hosted on a web-accessible server, and comprises a web-based user interface accessible by a plurality of advertisers that define and manage a plurality of marketing campaigns.

3. The system of claim 1, wherein the campaign data comprises information corresponding to a campaign identifier (ID), an advertiser identifier (ID) associated with an advertiser providing the predetermined targeted marketing offer, and campaign delimiting information.

4. The system of claim 3, wherein the campaign delimiting information comprises one or more of the following data items:

a campaign start date, a campaign end date, a campaign name, a predetermined market segment, location information, merchant information, a spend amount.

5. The system of claim 1, wherein the system stores campaign data comprising segment data corresponding to a plurality of predetermined market segments and offer data comprising a plurality of predetermined targeted marketing offers.

6. The system of claim 5, wherein the segment data comprises information corresponding to a segment identifier (ID) and segment delimiting information for each predetermined market segment.

7. The system of claim 6, wherein the segment delimiting information comprises one or more of the following data items:

location information for the market segment, merchant identifying information, a spend amount.

8. The system of claim 5, wherein the offer data comprises an offer identifier (ID), offer defining information, and offer display information associated with each predetermined targeted marketing offer.

9. The system of claim 8, wherein the offer defining information comprises one of more of the following data items:

an offer amount, an offer start date, an offer end date, an offer type.

10. The system of claim 8, wherein the offer display information comprises one or more of the following data items:

offer text information, offer image information, offer amount information, offer type information.

11. The system of claim 1, wherein the offer management system is remotely located from a system of the financial institution that provides the online portal.

12. The system of claim 1, further comprising an offer placement system operating in cooperation with a financial institution computer system associated with the financial institution, and wherein the campaign data is processed by the offer placement system to generate a display of the predetermined targeted marketing offer for use with a display provided by the online portal of the financial institution.

13. The system of claim 12, wherein the offer placement system receives transaction data from the financial institution computer system corresponding to financial transactions of consumers of the financial institution.

14. The system of claim 13, wherein the transaction data is de-identified by a transaction system of the financial institution computer system to obtain de-identified transaction data records from which personal information of the consumers has been removed.

15. The system of claim 14, wherein the de-identified transaction data records include one or more of the following data items:

an account global identifier (GUID) associated with each consumer, a transaction identifier (ID) associated with each transaction of a consumer, location information, merchant information, a transaction amount, a rewards type.

16. The system of claim 12, wherein the offer management system is remotely located from the offer placement system.

17. The system of claim 12, wherein the campaign data is provided electronically from the offer management system to the offer placement system.

18. The system of claim 12, wherein the database for the campaign data is stored at the offer management system and provided to the offer placement system.

19. The system of claim 1, wherein the aggregated consumer transaction data comprises the total number of consumers associated with each potential market segment.

20. The system of claim 1, wherein the database stores offer redemption data corresponding to information indicating that the particular consumer has engaged in an offer redemption transaction that qualifies for a reward associated with the targeted marketing offer displayed to the consumer.

21. The system of claim 20, wherein the redemption data includes one or more of the following data items:

an offer identifier (ID) associated with a particular targeted marketing offer displayed to a particular consumer, an account global identifier (GUID) associated with the particular consumer, a date, a time, a reward amount, a reward type.

22. The system of claim 1, wherein the targeted marketing offer includes information indicating promised delivery of a predetermined reward in response to the consumer engaging in a redemption qualifying transaction having predetermined conditions, and

further comprising a component for delivering the predetermined reward to the consumer in response to a determination, by processing of subsequent transaction data, that a transaction conducted by the consumer satisfies the predetermined conditions of the redemption qualifying transaction.

23. The system of claim 22, wherein the system provides for a plurality of related predetermined market segments associated with a marketing campaign, each segment having a separate predetermined reward, whereby different rewards are available for different predetermined market segments.

24. A computer-implemented method for providing electronic targeted marketing offers for delivery to a consumer of a financial institution via an online portal associated with a computer system of the financial institution, the online portal operative to provide a display of transactions of consumers during an online viewing session, comprising the steps of:

providing a marketing campaign interface for an advertiser, the marketing campaign interface allowing the advertiser to define campaign data corresponding to a predetermined marketing campaign of the advertiser by (a) display of information indicating potential market segments definable by the advertiser, (b) advertiser entry of information for defining a predetermined market segment, and (c) advertiser entry of information for defining a predetermined targeted marketing offer for delivery to the predetermined market segment;

receiving campaign data corresponding to a targeted marketing campaign of at least one advertiser via the campaign interface, the campaign data comprising advertiser campaign data associated with a particular advertiser, segment data corresponding to at least one market segment defining properties of transactions that qualify for receiving a targeted marketing offer of the advertiser, and offer data corresponding to at least one targeted marketing offer; and

outputting the campaign data to a system for delivery of the predetermined targeted marketing offer to consumers of the financial institution within the predetermined market segment,

whereby consumers in the predetermined market segment are provided with a display of information relating to the predetermined targeted marketing offer during an online session comprising a display of transactions of consumers via the online portal of the financial institution.

25. The method of claim 24, wherein the marketing campaign interface is hosted on a web-accessible server, and comprises a web-based user interface accessible by a plurality of advertisers that define and manage a plurality of marketing campaigns.

26. The method of claim 24, wherein the campaign data comprises information corresponding to a campaign identifier (ID), an advertiser identifier (ID) associated with an advertiser providing the predetermined targeted marketing offer, and campaign delimiting information.

27. The method of claim 26, wherein the campaign delimiting information comprises one or more of the following data items:

a campaign start date, a campaign end date, a campaign name, a predetermined market segment, location information, merchant information, a spend amount.

28. The method of claim 24, wherein the segment data corresponds to a plurality of predetermined market segments and offer data comprising a plurality of predetermined targeted marketing offers for such segments.

29. The method of claim 28, wherein the segment data comprises information corresponding to a segment identifier (ID) and segment delimiting information for each predetermined market segment.

30. The method of claim 29, wherein the segment delimiting information comprises one or more of the following data items:

location information for the market segment, merchant identifying information, a spend amount.

31. The method of claim 28, wherein the offer data comprises an offer identifier (ID), offer defining information, and offer display information associated with each predetermined targeted marketing offer.

32. The method of claim 31, wherein the offer defining information comprises one of more of the following data items:

an offer amount, an offer start date, an offer end date, an offer type.

33. The method of claim 31, wherein the offer display information comprises one or more of the following data items:

offer text information, offer image information, offer amount information, offer type information.

34. The method of claim 24, wherein the steps are carried out in an offer management system remotely located from a system of the financial institution that provides the online portal.

35. The method of claim 34, wherein the campaign data is stored at the offer management system and provided to an offer placement system that provides display information to the online portal.

36. The method of claim 24, wherein the campaign data is provided to an offer placement system for generating a display of the predetermined targeted marketing offer for use with a display provided by the online portal of the financial institution.

37. The method of claim 24, wherein the campaign data is provided to a system associated with the online portal of the financial institution.

38. The method of claim 24, wherein the campaign data is provided to an offer placement system for subsequent provision of display information for use by the online portal of the financial institution.

39. The method of claim 38, further comprising the step of receiving transaction data at the offer placement system from the financial institution corresponding to financial transactions of consumers of the financial institution.

40. The method of claim 39, wherein the transaction data is de-identified by a transaction system of the financial institution to obtain de-identified transaction data records from which personal information of each consumer has been removed.

41. The method of claim 40, wherein the de-identified transaction records include one or more of the following data items:

an account global identifier (GUID) associated with each consumer, a transaction identifier (ID) associated with each transaction of a consumer, location information, vendor/competitor information, a transaction amount, a rewards type.

42. The method of claim 38, wherein the offer placement system operates in cooperation with a financial institution computer system associated with the financial institution to generate a display of information relating to the predetermined targeted marketing offer during an online session comprising a display of transactions of consumers via the online portal of the financial institution.

43. The method of claim 38, wherein the campaign data is provided electronically to the offer placement system.

44. The method of claim 38, wherein the campaign data is stored at an offer management system and provided to the offer placement system.

45. The method of claim 24, further comprising the step of receiving redemption data corresponding to information indicating that a particular consumer has engaged in a redemption qualifying transaction that qualifies for a reward associated with the targeted marketing offer displayed to the consumer.

46. The method of claim 45, wherein the redemption data includes one or more of the following data items:

an offer identifier (ID) associated with a particular targeted marketing offer displayed to the particular consumer, an account global identifier (GUID) associated with the particular consumer, a date, a time, a reward amount, a reward type.

47. The method of claim 24, wherein the targeted marketing offer includes information indicating promised delivery of a predetermined reward in response to the consumer engaging in a redemption qualifying transaction having predetermined conditions, and

further comprising the step of delivering the predetermined reward to the consumer in response to a determination, by processing of subsequent transaction data, that a transaction conducted by the consumer satisfies the predetermined conditions of the redemption qualifying transaction.

48. The method of claim 47, further comprising the step of providing for a plurality of related predetermined market segments associated with a marketing campaign, each of said market segments having an associated predetermined reward, whereby different rewards are available for different predetermined market segments.