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Offer placement system and methods for targeted marketing offer delivery system

  • US 8,595,065 B2
  • Filed: 06/17/2009
  • Issued: 11/26/2013
  • Est. Priority Date: 10/24/2008
  • Status: Active Grant
First Claim
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1. A targeted marketing offer placement computer system operative in conjunction with a computer system of a financial institution to provide a targeted marketing offer from an advertiser for display on an electronic display of a client machine operated by a particular consumer that is identified as belonging to a predetermined market segment as indicated by a particular transaction of the particular consumer through the financial institution, wherein the electronic display is generated by the computer system of the financial institution, comprising:

  • a processor coupled for secure data communications with the financial institution computer system and with a second computer system, the processor operatively coupled to a non-transient electronic storage;

    the non-transient electronic storage comprising a database for storing data, program modules that execute on the processor, and a matched offer table;

    the database storing campaign data and de-identified transaction data associated with consumers, the campaign data including one or more targeted marketing offers from the advertiser for delivery to consumers who are identified as belonging to the predetermined market segment;

    the processor operative for receiving campaign data associated with the advertiser from the second computer system and storing the campaign data in the database;

    the processor further operative for receiving de-identified transaction data provided by the financial institution computer system that was derived from financial transaction data of the financial institution including a plurality of predetermined financial transactions of the particular consumer and storing the de-identified transaction data in the database;

    the processor further operative to process the de-identified transaction data and the campaign data to determine a set of matches comprising at least one identified particular transaction of the particular consumer that is in the predetermined market segment as reflected in the de-identified transaction data and storing the at least one identified particular transaction in the matched offer table;

    in response to receipt of a call for display of a targeted marketing offer at the processor, the processor operative to transmit a computer-executable DOM injection script to the financial institution computer system for execution upon the electronic display of the client machine;

    the processor further operative to receive information relating to the particular consumer and the particular consumer'"'"'s currently displayed financial transactions that is generated upon execution of the DOM injection script upon the electronic display of the client machine operated by the particular consumer; and

    the processor further operative, in response to receipt of the information relating to the particular consumer and the particular consumer'"'"'s currently displayed transactions, to deliver information corresponding to the predetermined targeted marketing offer from the campaign data for the particular consumer to the financial institution computer system for delivery of the predetermined targeted marketing offer to the consumer.

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