System and Methods for Delivering Targeted Marketing Offers to Consumers Via an Online Portal
A system and methods for delivering targeted marketing offers to consumers during a session with an online (web-based) Internet portal, particularly suitable for online banking portals of financial institutions. An offer management system receives information corresponding to an advertising campaign of an advertiser corresponding to terms of a targeted marketing offer to be provided to a consumer accessing the online portal, and provides advertising campaign data corresponding to the targeted marketing offer and to an offer-triggering event to an offer placement system. An offer placement system receives the advertising campaign data, determines the occurrence of the offer-triggering event by a consumer during an online session with the online portal, and delivers information corresponding to the targeted marketing offer to the consumer. In response to the offer-triggering event, such as display of a list of transactions, the predetermined targeted marketing offer is delivered to the consumer during the online session.
1 . A targeted marketing system operative to deliver a targeted marketing offer to a consumer of a financial institution via an online portal associated with a financial institution computer system, the online portal operative to provide a display of a consumer's financial transactions during a viewing session, comprising:
an offer management system operative for receiving input from an advertiser corresponding to the terms of a targeted marketing offer to be provided to a consumer of the financial institution in response to the identification of an offer triggering event by the consumer, and for delivering campaign data corresponding to the targeted marketing offer and to the offer triggering event as an output to an offer placement system; and
an offer placement system operative in cooperation with the financial institution computer system to receive the campaign data from the offer management system, determine the occurrence of an offer triggering event by the consumer, and deliver information corresponding to the targeted marketing offer to the consumer during the online session with the online portal.
2 . The system of claim 1 , 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.
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 consumer to identify a particular offer qualifying transaction conducted by the consumer.
4 . The system of claim 3 , wherein the offer placement system is operative to display selected targeted marketing offer information to the consumer in association with the display of information corresponding to the particular offer qualifying transaction provided by the online portal.
5 . The system of claim 2 , wherein the delivery of the targeted marketing offer information to the consumer comprises the display of predetermined offer display information in association with the 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 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 consumer's transactions.
10 . The system of claim 1 , wherein the offer triggering event is a group of transactions conducted by the consumer that collectively satisfy predetermined criteria defined by the advertiser for delivery of the targeted marketing offer to the consumer.
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51 . A computer-implemented method for delivering a targeted marketing offer to a consumer of a financial institution via an online portal associated with the financial institution, the online portal operative to provide a display of a consumer's financial transactions during a viewing session, comprising the steps of:
receiving input from an advertiser corresponding to the terms of a targeted marketing offer to be provided to a consumer of the financial institution in response to the identification of an offer triggering event by the consumer,
generating campaign data corresponding to the targeted marketing offer and to the offer triggering event;
providing the campaign data for use in connection with operations of the online portal of the financial institution;
determining the occurrence of the offer triggering event by the consumer; and
delivering information corresponding to the targeted marketing offer to the consumer by display to the consumer of selected targeted marketing offer information to the consumer via the online portal.
52 . The method of claim 51 , wherein the offer triggering event is an offer qualifying transaction conducted by the consumer, as reflected in transaction data maintained by the financial institution.
53 . The method of claim 52 , 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 consumer to identify a particular offer qualifying transaction conducted by the consumer.
54 . The method of claim 53 , further comprising the step of displaying the selected targeted marketing offer information to the consumer in association with the display of information corresponding to the particular offer qualifying transaction provided by the online portal.
55 . The method of claim 52 , wherein the display of selected targeted marketing offer information comprises the display of predetermined offer display information in association with the display of information corresponding to the offer qualifying transaction.
56 . The method of claim 55 , 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.
57 . The method of claim 55 , wherein the predetermined offer display information is displayed in perceptible visual proximity to information of the offer qualifying transaction.
58 . The method of claim 55 , wherein the predetermined offer display information is displayed immediately below the offer qualifying transaction on a list of the consumer's transactions.
59 . The method of claim 55 , wherein the predetermined offer display information is displayed in a field in nearby proximity to the offer qualifying transaction on a list of the consumer's transactions.
60 . The method of claim 51 , wherein the offer triggering event is a group of transactions conducted by the consumer that collectively satisfy predetermined criteria defined by the advertiser for delivery of information corresponding to the targeted marketing offer to the consumer.
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