Consumer-specific advertisement presentation and offer library
Systems and methods are described for presenting targeted offer advertisements to qualified customers while browsing the Internet. A designated interaction region such as a frame or border is positioned on each advertisement, and when a customer activates the border by clicking on or hovering a cursor there over, a menu of selectable options is displayed, from which the customer may select to perform an action on the offer. For instance, the customer may select an option to save the targeted offer to an offer library for later review. Additionally, the customer may select an option to access the offer library to review details of saved offers.
1. A method for storing targeted offers in an offer library for a customer during an online web browsing session, including:
detecting the consumer has logged into a secure web site of a financial institution and providing to the consumer's computer a cookie that includes an ADIC for the customer that corresponds with a UCIC for the consumer;
detecting the customer has navigated away from the secure web site of the financial institution, and
presenting a targeted offer to the customer on a web page being visited by the customer, wherein the targeted offer is unsolicited by the customer and selected by an ad provider using the advertisement delivery identification code (ADIC) corresponding to anonymous customer data that describes the customer and is provided to the ad provider from a third party source;
displaying a menu comprising a plurality of selectable options to the customer when the customer activates the menu, the options representing actions to be performed on the targeted offer;
receiving customer input relating to selection of an option for storing the targeted offer in the offer library;
storing the targeted offer to the offer library on a computer-readable medium upon receiving the customer input;
wherein the targeted offer is targeted to the customer anonymously, using an advertisement delivery identification code (ADIC) that describes the customer;
wherein the web page is hosted by a financial institution and the customer is a customer of the financial institution;
wherein the targeted offer is an offer from a third-party marketer, and wherein the advertisement delivery identification code (ADIC) describes the customer without including information by which the personal identity of the customer is determinable by the third-party marketer; and
wherein the ADIC is associated with a unique customer identification code (UCIC) generated by the financial institution, wherein the UCIC includes customer information that is anonymous to the third-party advertiser but searchable at the request of the third party.
2. The method according to claim 1 , wherein the plurality of selectable options in the menu further comprises one or more of:
an option for ignoring the offer;
an option for reminding the customer to review the offer before leaving the web page;
an option for presenting additional offer details to the customer immediately;
an option for presenting the offer library to the customer; and
an option for sending the offer to the customer via one or more of:
an email;
a text message;
a multimedia message service (MMS) type message; and
a social messaging service.
3. The method according to claim 2 , further including presenting the offer library to the customer upon receiving customer input relating to selection of the option for presenting the offer library to the customer.
4. The method according to claim 3 , wherein the offer library comprises only offers that the customer has selected to save to the offer library.
5. The method according to claim 1 , further including automatically deleting offers from the offer library upon an expiration date of the respective offers.
6. The method according to claim 1 , further comprising displaying a designated interaction region, wherein the menu is activated when the customer interacts with the designated interaction region by at least one of:
clicking on the designated interaction region; and
hovering a cursor over the designated interaction region.
7. A processor programmed to execute computer-executable instructions stored on a computer-readable medium, for performing the method of claim 1 .
8. A system for permitting a customer to store targeted offers to an online offer library, comprising:
a web page on which is displayed to the customer at least one offer anonymously targeted to the customer as a function of a customer profile associated with the customer and an advertisement delivery identification code (ADIC), thereby becoming a targeted offer; and
a processor that executes stored instructions for:
detecting the consumer has logged into a secure web site of a financial institution and providing to the consumer's computer a cookie that includes an ADIC for the customer that corresponds with a UCIC for the customer,
detecting the customer has navigated away from the secure web site of the financial institution, and
presenting the targeted offer to the customer on a web page being visited by the customer, wherein the targeted offer is unsolicited by the customer and selected by an ad provider using the advertisement delivery identification code (ADIC) corresponding to anonymous customer data that describes the customer and is provided to the ad provider from a third party source;
displaying a menu comprising a plurality of selectable options to the customer when the customer activates the menu, the options representing actions to be performed on the targeted offer, and providing a designated interaction region for receiving customer input relating to selection of an option for storing the targeted offer in the offer library; and
storing the targeted offer to the offer library on a computer-readable medium upon receiving the customer input on the designated interaction region for the targeted offer;
wherein the web page is hosted by a financial institution and the customer is a customer of the financial institution;
wherein the targeted offer is an offer from a third-party marketer, and wherein the advertisement delivery identification code (ADIC) describes the customer without including information by which the personal identity of the customer is determinable by the third-party marketer; and
wherein the ADIC is associated with a unique customer identification code (UCIC) generated by the financial institution, wherein the UCIC includes customer information that is anonymous to the third-party advertiser but searchable at the request of the third party.
9. The system according to claim 8 , wherein the plurality of selectable options in the menu further comprises:
an option for ignoring the offer;
an option for reminding the customer to review the offer before leaving the web page;
an option for presenting additional offer details to the customer immediately;
the option for storing the offer to an offer library;
an option for displaying the offer library to the customer; and
an option for sending the offer to the customer via one or more of:
an email;
a text message;
a multimedia message service (MMS) type message; and
a social messaging service.
10. The system according to claim 9 , wherein the processor further executes stored instructions for:
displaying the offer library to the customer upon selection of the option for displaying the offer library to the customer.