Personalized consumer advertising placement with social networking

• US 20130036009A1
• Filed: 09/19/2012
• Published: 02/07/2013
• Est. Priority Date: 10/02/2006
• Status: Abandoned Application

• Current Assignee: Segmint Inc.
• Original Assignee: Segmint Inc.
• Inventors: Shahan, Nathan W., Heiser, II, Russel Robert
• Application Number:
  US13/622,535
• Publication Number:
  US 20130036009A1
• Time in Patent Office: Days
• US Class Current: 705/14.53
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06F 16/9536 Search customisation based on social or collaborative filtering
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• 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
• CPC Class Codes: G06Q 50/01 Social networking

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. Additionally, customer-to-bank communication is facilitated via a social network application that permits a customer to communicate with a bank employee while being presented with highly targeted content by the bank via a third party advertisement presenter.

Claims

1. A method for providing communication capabilities between a financial institution customer and a financial institution employee over a social network while presenting the customer with targeted content, including:

detecting a customer login to website hosted by a financial institution;

detecting that the customer has navigated to a social network page associated with the financial institution;

presenting the customer with a third party advertisement presenter social networking application on the social network page; and

prompting the customer to enter a message for the financial institution employee.

2. The method according to claim 1, further comprising:

determining whether a third party advertisement presenter cookie is present on a device via which the customer logged in to the financial institution website.

3. The method according to claim 2, wherein the cookie is associated with a unique customer identification code (UCIC) that is associated with the customer.

4. The method according to claim 2, further comprising:

if the cookie is not present on the customer'"'"'s device;

presenting the customer with default content; and

placing the third party advertisement presenter cookie on the customer'"'"'s device.

5. The method according to claim 2, further comprising:

if the cookie is already present on the customer'"'"'s device;

identifying key lifestyle indicator information associated with the customer; and

presenting the customer with targeted content as a function of the identified key lifestyle indicator information.

6. The method according to claim 5, wherein the key lifestyle information comprises one or more classifications of the customer, the classifications being a based on historical financial transaction data associated with at least one account of the customer, the account being maintained by the financial institution.

7. The method according to claim 1, wherein the navigation to the financial institution page on the social network is detected upon receiving an indication that the customer has clicked on a link on the financial institution webpage that directs the customer'"'"'s device to the financial institution social network page.

8. The method according to claim 1, wherein the customer is presented with the third party advertisement presenter'"'"'s social networking application via an iFrame on the social network page.

9. A processor configured to execute computer-executable instructions for performing the method according to claim 1.

10. A non-transitory computer-readable medium having stored thereon computer-executable instructions for performing the method according to claim 1.

11. A method for providing communication capabilities between a financial institution customer and a financial institution employee over a social network while presenting the customer with targeted content, including:

detecting a financial institution employee login to a third party advertisement presenter web application;

detecting that the financial institution employee has navigated to a third party advertisement presenter social network application;

alerting the financial institution employee that a new message has been received from a customer of the financial institution;

upon receiving an indication that the financial institution employee has selected the new message for viewing, presenting the financial institution employee with the message and key lifestyle indicator information associated with the customer; and

prompting the financial institution employee to respond to the customer via the third party advertisement presenter social network application.

12. The method according to claim 11, further comprising:

determining whether a third party advertisement presenter cookie is present on a device via which the customer logged in to the financial institution website.

13. The method according to claim 12, wherein the cookie is associated with a unique customer identification code (UCIC) that is associated with the customer.

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

if the cookie is not present on the customer'"'"'s device;

presenting the customer with default content; and

placing the third party advertisement presenter cookie on the customer'"'"'s device.

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

if the cookie is already present on the customer'"'"'s device;

identifying key lifestyle indicator information associated with the customer; and

presenting the customer with targeted content as a function of the identified key lifestyle indicator information.

16. The method according to claim 15, wherein the key lifestyle information comprises one or more classifications of the customer, the classifications being a based on historical financial transaction data associated with at least one account of the customer, the account being maintained by the financial institution.

17. The method according to claim 11, wherein the customer is presented with the third party advertisement presenter'"'"'s social networking application via an iFrame on the social network page.

18. A processor configured to execute computer-executable instructions for performing the method according to claim 11.

19. A non-transitory computer-readable medium having stored thereon computer-executable instructions for performing the method according to claim 11.