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

• Current Assignee: Cardlytics Incorporated
• Original Assignee: Cardlytics Incorporated
• Inventors: Grimes, Scott
• Primary Examiner(s): Bekerman, Michael
• Assistant Examiner(s): IOSIF, MARIO CINCINAT
• Application Number:
  US12/486,140
• Publication Number:
  US 20100106596A1
• Time in Patent Office: 1,623 Days
• Field of Search: 705/14, 705/14.4, 705/14.15, 705/14.49, 705/14.53
• US Class Current: 705/14.4
• 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 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.

2. The system of claim 1, wherein the call for display of the targeted marketing offer occurs in response to an offer triggering event by the consumer, and 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 computer 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 computer 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 adjacent to information corresponding to 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 a predetermined distance on the display from the offer qualifying transaction on a list of the particular consumer'"'"'s transactions.

10. The system of claim 2, 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 2, 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 2, wherein the offer triggering event is an online session by the particular consumer for viewing the particular consumer'"'"'s financial transactions at the financial institution.

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

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 second computer system is an offer management computer system remotely located from the offer placement computer system, and wherein the campaign data is generated and provided by the offer management computer system.

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

24. The system of claim 23, wherein the campaign data originates 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, wherein the de-identified transaction data comprises de-identified transaction data records from which personal information of the particular consumer has been removed.

27. The system of claim 26, 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.

28. The system of claim 1, wherein the processor is further operative for matching the de-identified transaction data in the database with the campaign data to identify the particular transaction of the particular consumer and for storing information associated with the particular transaction as matched offer data in the matched offer table.

29. The system of claim 28, 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.

30. The system of claim 28, wherein the offer identifier is used to retrieve information for display to the particular consumer corresponding to a specific offer applicable to the particular transaction from the campaign data.

31. 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.

32. 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.

33. The system of claim 32, 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.

34. 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

wherein the processor is further operative to deliver information corresponding to the predetermined reward to the financial institution computer system for delivery to the 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.

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

36. A computer-implemented method for providing information corresponding to a targeted marketing offer from an advertiser to 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 consumer through a financial institution computer system, wherein the electronic display is generated by the financial institution computer system, comprising the steps of:

receiving at an offer placement computer system (OPS) campaign data from a second computer system associated with a targeted marketing campaign of the advertiser, the campaign data including targeted marketing offer information for delivery to consumers who are identified as belonging to the predetermined market segment;

receiving at the OPS de-identified transaction data associated with consumers from the financial institution computer system, the de-identified transaction data derived from financial transaction data of the financial institution including a plurality of predetermined financial transactions of the consumer;

at the OPS, processing 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 a matched offer table;

in response to receipt of a call from the financial institution computer system, transmitting via the offer placement system a computer-executable DOM injection script to the financial institution computer system for execution upon the electronic display of the client machine;

receiving information at the OPS 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

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

37. The method of claim 36, wherein the call for display of the targeted marketing offer occurs in response to an offer triggering event by the particular consumer, and 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.

38. The method of claim 37, 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 particular consumer.

39. The method of claim 38, 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.

40. The method of claim 37, 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.

41. The method of claim 40, 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.

42. The method of claim 40, wherein the predetermined offer display information is displayed adjacent to information corresponding to the offer qualifying transaction.

43. The method of claim 42, wherein the predetermined offer display information is displayed immediately below the offer qualifying transaction on a list of the particular consumer'"'"'s transactions.

44. The method of claim 42, wherein the predetermined offer display information is displayed in a field a predetermined distance on the display from the offer qualifying transaction on a list of the particular consumer'"'"'s transactions.

45. 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.

46. 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.

47. The system of claim 37, wherein the offer triggering event is an online session by the particular consumer for viewing the particular consumer'"'"'s financial transactions at the financial institution.

48. The method of claim 47, 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 particular consumer in a predetermined placement in an online portal operated by the financial institution computer system.

49. The method of claim 36, 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.

50. The method of claim 49, wherein the campaign delimiting information comprises one or more of the following data items:

a campaign start date, a campaign end date.

51. The method of claim 36, wherein the campaign data comprises segment data and offer data.

52. The method of claim 51, wherein the segment data comprises information corresponding to a segment identifier (ID) and segment delimiting information.

53. The method of claim 52, 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.

54. The method of claim 51, wherein the offer data comprises an offer identifier (ID), offer defining information, and offer display information.

55. The method of claim 54, 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.

56. The method of claim 54, 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.

57. The method of claim 36, wherein the second computer system is an offer management computer system remotely located from the offer placement computer system, and wherein the campaign data is generated by the offer management computer system.

58. The method of claim 57, wherein the campaign data is provided electronically from the offer management computer system.

59. The method of claim 58, wherein the campaign data originates at the offer management computer system and is provided to the offer placement computer system.

60. The method of claim 36, wherein the de-identified transaction data comprises de-identified transaction data records from which personal information of the particular consumer has been removed.

61. The method of claim 60, 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.

62. The method of claim 36, wherein the step of determining a set of matches comprises matching the de-identified transaction data received from the financial institution computer system with the campaign data to identify the particular transaction of the particular consumer and for storing information associated with the particular transaction as matched offer data in the matched offer table.

63. The method of claim 62, 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.

64. The method of claim 63, wherein the offer identifier is used to retrieve information for display to the particular consumer corresponding to a specific offer applicable to the particular transaction from the campaign data.

65. The method of claim 36, 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.

66. The method of claim 36, 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 an online session of an online banking portal associated with the financial institution, for use in determining the number of occurrences of the predetermined marketing offer to consumers.

67. The method of claim 36, 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.

68. The method of claim 67, 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.

69. The method of claim 36, 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 information corresponding to the predetermined reward to the financial institution computer system for delivery to the particular consumer in response to a determination, by processing of subsequent transaction data records, that a transaction conducted by the particular consumer satisfies the predetermined conditions of the redemption qualifying transaction.

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