Offer Management System and Methods for Targeted Marketing Offer Delivery System

Abstract

A system and methods for an offer management system for use in 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 aggregated transaction data from a financial transaction system for use in creation of an advertising campaign. A component provides a marketing campaign interface that allows advertisers to define an advertising campaign by display of information derived from the aggregated transaction data indicating potential market segments defined by the advertiser, define a predetermined market segment, and define a predetermined targeted marketing offer for delivery to consumers under predetermined conditions. A component outputs the campaign data to the financial institution for delivery of the targeted marketing offer to consumers within the predetermined market segment in response to the predetermined conditions during online sessions with the portal.

Description

CROSS REFERENCE TO RELATED APPLICATION[0001]This application claims benefit under 35 U.S.C. §119(e) of U.S. Provisional Patent Application No. 61 / 108,332, filed Oct. 24, 2008, and entitled “System and Methods for Providing Targeted Marketing Offers to Consumers Via an Online Banking Portal”, which is incorporated herein by reference as if set forth herein in its entirety.[0002]This application is related to and incorporates by reference herein the following U.S. and international (PCT) patent applications:[0003]U.S. patent application Ser. No. ______, entitled “System and Methods for Delivering Targeted Marketing Offers to Consumers Via an Online Portal”, filed on Jun. ______, 2009;[0004]U.S. patent application Ser. No. ______, entitled “Offer Placement System and Methods for Targeted Marketing Offer Delivery System”, filed on Jun. ______, 2009;[0005]U.S. patent application Ser. No. ______, entitled “System and Methods for Offer Realization and Redemption in a Targeted Marketing Off...

AI Technical Summary

Benefits of technology

[0021]More particularly described, aspects of the present disclosure relate to functions and processes associated with an offer management system (OMS) of the TMS. According to one aspect, the OMS includes an advertiser portal (i.e., graphical user interface) that enables advertisers to define campaign data corresponding to targeted marketing campaigns including one or more targeting marketing offers for subsequent delivery to consumers. In one aspect, the campaigns include market segments that identify groups of consumers that should receive the targeted marketing offers based on advertiser-defined segment criteria corresponding to offer-triggering events associated with the consumers. The OMS receives aggregated consumer transaction data from an OPS for use in campaign creation to provide an estimate of the number of con

Problems solved by technology

It would be highly beneficial to most advertisers to have access to such detailed purchase information; however, due to strict privacy laws and regulations that limit how financial institutions can share consumer data, advertisers have never been able to access this valuable information.

While this type of targeted marketing does provide some benefit over undirected, mass marketing, it is not as specialized or precise as most advertisers would prefer.

Even with the advent and widespread use of the Internet (and Internet advertisements), targeting marketing still does not reach the level of detail that would optimize the effectiveness of that marketing.

However, because merchants and advertisers do not have access to individual consumer purchase histories (such as the types of products purchased, dates purchased, amounts spent, specific merchants from which items were purchased, etc.), such targeted marketing has traditionally been unavailable.

Further, many types of offers or redemptions associated with targeted marketing campaigns are difficult for consumers to use and problematic for advertisers to track.

For example, many consumers are unlikely to use coupons that require

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