Offer Placement System and Methods for Targeted Marketing Offer Delivery System

• US 20100106596A1
• Filed: 06/17/2009
• Published: 04/29/2010
• Est. Priority Date: 10/24/2008
• Status: Active Grant

• Current Assignee: Cardlytics Incorporated
• Original Assignee: Cardlytics Incorporated
• Inventors: GRIMES, Scott
• Granted Patent: US 8,595,065 B2
• Time in Patent Office: Days
• US Class Current: 705/14.510
• 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 placement system for 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 advertising campaign data from an advertiser including a plurality of targeted marketing offers for delivery to consumers in response to a particular condition (e.g. an offer-triggering event), and stores the campaign data in a database. A component determines the occurrence of an offer-triggering event caused by a consumer during an online session with the online portal, for example, viewing a list of banking transactions. A component identifies a predetermined targeted marketing offer stored in the database that corresponds to the offer-triggering event. A component delivers information corresponding to the targeted marketing offer to the consumer during the online session with the portal.

Claims

1. A targeted marketing offer placement system operative in conjunction with a computer system of a financial institution to provide a targeted marketing offer to a consumer via an online banking portal associated with the financial institution, comprising:

a database for storing campaign data, the campaign data including one or more targeted marketing offers;

a component for receiving campaign data associated with an advertiser and storing the campaign data in the database;

a component for determining the occurrence of an offer triggering event caused by a particular consumer in an online session with the online banking portal;

a component for identifying a predetermined targeted marketing offer for the particular consumer in response to the offer triggering event; and

a component for delivering information corresponding to the targeted marketing offer to the particular consumer during the online session via the online banking portal.

2. The system of claim 1, wherein the offer triggering event is an offer qualifying transaction conducted by the particular consumer, as reflected in transaction data maintained by the financial institution computer system.

3. The system of claim 2, wherein the campaign data includes information corresponding to an offer qualifying transaction, and wherein the offer placement system is operative to compare the offer qualifying transaction information in the campaign data to transaction data of the financial institution corresponding to transactions conducted by the particular consumer to identify a particular offer qualifying transaction conducted by the particular consumer.

4. The system of claim 3, wherein the offer placement system is operative to display selected targeted marketing offer information to the particular consumer in association with the display of information corresponding to the particular offer qualifying transaction provided by the online banking portal.

5. The system of claim 2, wherein the delivery of information corresponding to the targeted marketing offer comprises the display of predetermined offer display information in association with display of information corresponding to the offer qualifying transaction.

6. The system of claim 5, wherein the predetermined offer display information comprises one or more of the following data items:

offer text information, offer image information, reward amount, reward type, date(s) of offer.

7. The system of claim 5, wherein the predetermined offer display information is displayed in perceptible visual proximity to information of the offer qualifying transaction.

8. The system of claim 7, wherein the predetermined offer display information is displayed immediately below the offer qualifying transaction on a list of the particular consumer'"'"'s transactions.

9. The system of claim 7, wherein the predetermined offer display information is displayed in a field in nearby proximity to the offer qualifying transaction on a list of the particular consumer'"'"'s transactions.

10. The system of claim 1, wherein the offer triggering event is a group of transactions conducted by the particular consumer that collectively satisfy predetermined criteria defined by the advertiser for delivery of the targeted marketing offer to the consumer.

11. The system of claim 1, wherein the offer triggering event comprises satisfaction of segment criteria associated with a predetermined market segment based on one or more transactions conducted by the particular consumer.

12. The system of claim 1, wherein the offer triggering event is an online session by the particular consumer.

13. The system of claim 12, wherein the offer placement system is operative to select predetermined targeted marketing offer information for the particular consumer, and to display the predetermined targeted marketing offer information to the particular consumer in a predetermined placement in the online banking portal.

14. 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 targeted marketing offer, and campaign delimiting information.

15. The system of claim 14, wherein the campaign delimiting information comprises one or more of the following data items:

a campaign start date, a campaign end date.

16. The system of claim 1, wherein the campaign data comprises segment data and offer data.

17. The system of claim 16, wherein the segment data comprises information corresponding to a segment identifier (ID) and segment delimiting information.

18. The system of claim 17, 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.

19. The system of claim 16, wherein the offer data comprises an offer identifier (ID), offer defining information, and offer display information.

20. The system of claim 19, 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.

21. The system of claim 19, 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, offer date information.

22. The system of claim 1, wherein the campaign data is generated by an offer management system remotely located from the offer placement system.

23. The system of claim 22, wherein the campaign data is provided electronically from the offer management system.

24. The system of claim 23, wherein the database for the campaign data is stored at the remotely-located offer management system and provided to the offer placement system.

25. The system of claim 1, wherein the system is physically co-located with the financial institution computer system and utilizes network security protections of the financial institution computer system.

26. The system of claim 1, further comprising a component for receiving transaction data from the financial institution computer system corresponding to financial transactions conducted by the particular consumer and storing the transaction data in the database.

27. The system of claim 26, wherein the transaction data is de-identified by the computer system of the financial institution to obtain de-identified transaction data records from which personal information of the particular consumer has been removed.

28. The system of claim 27, wherein the de-identified transaction records include one or more of the following data items:

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

29. The system of claim 26, wherein the component for determining the occurrence of an offer triggering event comprises a component for matching the transaction data in the database with the campaign data to identify the offer triggering event of the particular consumer and for storing information associated with the offer triggering event as matched offer data.

30. The system of claim 29, wherein matched offer data includes one of more of the following data items:

one or more transaction identifiers (ID) associated with one or more transactions of the particular consumer associated with the offer triggering event, an offer identifier (ID), an account global identifier (GUID) associated with the particular consumer.

31. The system of claim 30, wherein the offer identifier is used to retrieve information for display to the particular consumer corresponding to a specific offer applicable to the offer triggering event from the campaign data.

32. The system of claim 1, wherein the database stores offer impression data corresponding to information indicating that a predetermined targeted marketing offer has been displayed to the particular consumer, for use in determining the number of occurrences of the predetermined marketing offer to consumers.

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

34. The system of claim 33, 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 type, a reward amount.

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

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

36. The system of claim 1, wherein the financial institution computer system comprises the online banking portal and a financial institution transaction processing system.

37. A computer-implemented method for providing a targeted marketing offer to a consumer via an online banking portal associated with a financial institution, the online portal operative in conjunction with a computer system of the financial institution, comprising the steps of:

receiving campaign data associated with a targeted marketing campaign of an advertiser, the campaign data including targeted marketing offer information for delivery to consumers during an online session with the online banking portal;

determining the occurrence of an offer triggering event by a particular consumer during the online session;

identifying a targeted marketing offer for the particular consumer in response to the offer triggering event; and

delivering information corresponding to the targeted marketing offer to the particular consumer via the online banking portal during the online session.

38. The method of claim 37, wherein the offer triggering event is an offer qualifying transaction conducted by the consumer, as reflected in transaction data maintained by the financial institution computer system.

39. The method of claim 38, wherein the campaign data includes information corresponding to an offer qualifying transaction, and further comprising the step of comparing the offer qualifying transaction information in the campaign data to transaction data of the financial institution corresponding to transactions conducted by the particular consumer to identify a particular offer qualifying transaction conducted by the consumer.

40. The method of claim 39, further comprising the step of displaying the targeted marketing offer information to the particular consumer in association with the display of information corresponding to the offer qualifying transaction provided by the online portal.

41. The method of claim 38, wherein the delivery of information corresponding to the targeted marketing offer comprises the display of predetermined offer display information in association with the display of information corresponding to the offer qualifying transaction.

42. The method of claim 41, wherein the predetermined offer display information comprises one or more of the following data items:

offer text information, offer image information, reward amount, reward type, date(s) of offer.

43. The method of claim 41, wherein the predetermined offer display information is displayed in perceptible visual proximity to information of the offer qualifying transaction.

44. The method of claim 43, wherein the predetermined offer display information is displayed immediately below the offer qualifying transaction on a list of the particular consumer'"'"'s transactions.

45. The method of claim 43, wherein the predetermined offer display information is displayed in a field in nearby proximity to the offer qualifying transaction on a list of the particular consumer'"'"'s transactions.

46. The system of claim 37, wherein the offer triggering event is a group of transactions conducted by the particular consumer that collectively satisfy predetermined criteria defined by the advertiser for delivery of the targeted marketing offer to the consumer.

47. The system of claim 37, wherein the offer triggering event comprises satisfaction of segment criteria associated with a predetermined market segment based on one or more transactions conducted by the particular consumer.

48. The method of claim 37, wherein the offer triggering event is an online session by the particular consumer.

49. The method of claim 48, further comprising the step of selecting predetermined targeted marketing offer information for the particular consumer;

and

displaying the predetermined targeted marketing offer information to the consumer in a predetermined placement in the online portal.

50. The method of claim 37, wherein the campaign data comprises information corresponding to a campaign identifier (ID), an advertiser identifier (ID) associated with an advertiser providing the targeted marketing offer, and campaign delimiting information.

51. The method of claim 50, wherein the campaign delimiting information comprises one or more of the following data items:

a campaign start date, a campaign end date.

52. The method of claim 37, wherein the campaign data comprises segment data and offer data.

53. The method of claim 52, wherein the segment data comprises information corresponding to a segment identifier (ID) and segment delimiting information.

54. The method of claim 53, 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.

55. The method of claim 52, wherein the offer data comprises an offer identifier (ID), offer defining information, and offer display information.

56. The method of claim 55, 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.

57. The method of claim 55, 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, offer date information.

58. The method of claim 37, wherein the campaign data is generated by a remotely located offer management system.

59. The method of claim 58, wherein the campaign data is provided electronically from the offer management system.

60. The method of claim 59, wherein the campaign data is stored at the offer management system.

61. The method of claim 37, further comprising the step of receiving transaction data from the financial institution computer system corresponding to financial transactions conducted by the particular consumer.

62. The method of claim 61, wherein the transaction data is de-identified by the computer system of the financial institution to obtain de-identified transaction data records from which personal information of the particular consumer has been removed.

63. The method of claim 62, wherein the de-identified transaction records include one or more of the following data items:

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

64. The method of claim 61, wherein the step of determining the occurrence of an offer triggering event comprises matching the transaction data received from the financial institution computer system with the campaign data to identify the offer triggering event of the particular consumer and for storing information associated with the offer triggering event as matched offer data.

65. The method of claim 64, wherein the matched offer data includes one of more of the following data items:

one or more transaction identifiers (ID) associated with one or more transactions of the particular consumer associated with the offer triggering event, an offer identifier (ID), an account global identifier (GUID) associated with the particular consumer.

66. The method of claim 65, wherein the offer identifier is used to retrieve information for display to the particular consumer corresponding to a specific offer applicable to the offer qualifying transaction from the campaign data.

67. The method of claim 37, wherein the method is carried out in an offer placement system that is physically co-located with the financial institution computer system and which utilizes network security protections of the financial institution computer system.

68. The method of claim 37, further comprising the step of storing offer impression data corresponding to information indicating that a predetermined targeted marketing offer has been displayed to the particular consumer during the online session of the online banking portal, for use in determining the number of occurrences of the predetermined marketing offer to consumers.

69. The method of claim 37, further comprising the step of storing offer redemption data corresponding to information indicating that the particular consumer has engaged in a redemption qualifying transaction that qualifies for a reward associated with the targeted marketing offer delivered to the consumer.

70. The method of claim 69, wherein the offer 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 type, a reward amount.

71. The method of claim 37, wherein the targeted marketing offer includes information indicating promised delivery of a predetermined reward in response to the particular consumer engaging in a redemption qualifying transaction having predetermined conditions, and

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

72. The method of claim 37, wherein the computer system of the financial institution comprises the online banking portal and a financial institution transaction processing system.