Systems and methods for targeted marketing offer delivery via a matched offer table

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.

What is claimed is: 
     
         1 . A distributed architecture system 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 a financial institution, wherein the electronic display is generated by the computer system of the financial institution, comprising an offer placement system coupled for secure communication with the computer system of the financial institution, the offer placement system comprising:
 a processor coupled with a second computer system and coupled to a non-transient electronic storage, wherein the processor is physically separated from the second computer system;   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 for 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 the matched offer table in association with a particular targeted marketing offer;   the processor further operative for receiving data relating to the particular consumer's financial transactions being displayed on the electronic display of the client machine, the transactions being displayed including the at least one identified particular transaction in the matched offer table; and   the processor further operative, in response to receipt of the at least one identified particular transaction, for delivering information corresponding to the particular targeted marketing offer from the campaign data for the particular consumer to the financial institution computer system for delivery of the particular targeted marketing offer to the consumer for display on the electronic display of the client machine, whereby:   in response to receiving the particular targeted marketing offer, the financial institution computer system modifies the electronic display by inserting the particular targeted marketing offer into the display of the financial transactions based at least in part on the information corresponding to the particular targeted marketing offer from the campaign data for the particular consumer.   
     
     
         2 . The system of  claim 1 , wherein the processor is further operative, in response to receipt of the at least one identified particular transaction from the financial institution computer system, for transmitting a computer-executable script to the financial institution computer system for execution upon the electronic display of the client machine. 
     
     
         3 . The system of  claim 2 , wherein the computer-executable script is a DOM injection script. 
     
     
         4 . The system of  claim 2 , wherein the data relating to the particular consumer's financial transactions being displayed on the electronic display of the client machine is generated at the client machine in response to execution of the computer-executable script at the client machine. 
     
     
         5 . The system of  claim 1 , wherein the financial institution computer system transmits the at least one identified particular transaction to the processor 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. 
     
     
         6 . The system of  claim 5 , 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. 
     
     
         7 . The system of  claim 6 , 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. 
     
     
         8 . The system of  claim 5 , wherein delivering information corresponding to the particular targeted marketing offer comprises the display of predetermined offer display information in association with display of information corresponding to the offer qualifying transaction. 
     
     
         9 . The system of  claim 5 , wherein the offer triggering event is an online session by the consumer for viewing the consumer's financial transactions at the financial institution. 
     
     
         10 . The system of  claim 9 , wherein the offer placement computer system is operative to select predetermined targeted marketing offer information for the particular consumer, and to display the predetermined targeted marketing offer information to the particular consumer in a predetermined placement in an online banking portal operated by the financial institution computer system. 
     
     
         11 . 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. 
     
     
         12 . The system of  claim 1 , wherein the offer placement system is physically co-located with the financial institution computer system and utilizes network security protections of the financial institution computer system. 
     
     
         13 . The system of  claim 1 , wherein the de-identified transaction data comprises de-identified transaction data records from which personal information of the consumer has been removed. 
     
     
         14 . 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 particular 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 physically separated from the OPS 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 particular 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 association with a particular targeted marketing offer;   receiving at the OPS data relating to the particular consumer's financial transactions being displayed on the electronic display of the client machine, the transactions being displayed including the at least one identified particular transaction in the matched offer table; and   in response to receipt of the at least one identified particular transaction, delivering information corresponding to the particular targeted marketing offer from the campaign by the OPS to the financial institution computer system for delivery of the particular targeted marketing offer to the consumer for display on the electronic display of the client machine, whereby:   in response to receiving the particular targeted marketing offer, the financial institution computer system modifies the electronic display by inserting the particular targeted marketing offer into the display of the financial transactions based at least in part on the information corresponding to the particular targeted marketing offer from the campaign data for the particular consumer.   
     
     
         15 . The method of  claim 14 , wherein the financial institution computer system transmits the at least one identified particular transaction to the OPS 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. 
     
     
         16 . The method of  claim 15 , wherein delivering information corresponding to the particular targeted marketing offer comprises the display of predetermined offer display information in association with the display of information corresponding to the offer qualifying transaction. 
     
     
         17 . The system of  claim 15 , wherein the offer triggering event is an online session by the consumer for viewing the consumer's financial transactions at the financial institution. 
     
     
         18 . The method of  claim 17 , further comprising the step of selecting predetermined targeted marketing offer information for the consumer; and
 displaying the predetermined targeted marketing offer information to the consumer in a predetermined placement in an online portal operated by the financial institution computer system.   
     
     
         19 . The method of  claim 14 , 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. 
     
     
         20 . The method of  claim 14 , 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 at least one identified particular transaction of the consumer and for storing information associated with the at least one identified particular transaction as matched offer data in the matched offer table. 
     
     
         21 . The method of  claim 14 , 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. 
     
     
         22 . The method of  claim 14 , further comprising the step of storing offer impression data corresponding to information indicating that a predetermined targeted marketing offer has been displayed to the 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. 
     
     
         23 . The method of  claim 14 , wherein the computer system of the financial institution comprises an online banking portal and a financial institution transaction processing system. 
     
     
         24 . The method of  claim 14 , further comprising the step of, in response to receipt of the at least one identified particular transaction from the financial institution computer system, transmitting a computer-executable script from the OPS to the financial institution computer system for execution upon the electronic display of the client machine. 
     
     
         25 . The method of  claim 24 , wherein the computer-executable script is a DOM injection script. 
     
     
         26 . The method of  claim 24 , wherein the data relating to the particular consumer's financial transactions being displayed on the electronic display of the client machine is generated at the client machine in response to execution of the computer-executable script at the client machine. 
     
     
         27 . A distributed architecture system 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 a financial institution, wherein the electronic display is generated by the computer system of the financial institution, comprising an offer placement system coupled for secure communication with the computer system of the financial institution, the offer placement system comprising:
 a processor coupled with a second computer system and coupled to a non-transient electronic storage, wherein the processor is physically separated from the second computer system;   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 for 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 the matched offer table in association with a particular targeted marketing offer;   the processor further operative for receiving data relating to the particular consumer's financial transactions being displayed on the electronic display of the client machine, the transactions being displayed including the at least one identified particular transaction in the matched offer table and the data relating to the particular consumer's financial transactions being displayed on the electronic display of the client machine generated at the client machine in response to execution of the computer-executable script at the client machine; and   the processor further operative, in response to receipt of the at least one identified particular transaction for:
 delivering information corresponding to the particular targeted marketing offer from the campaign data for the particular consumer to the financial institution computer system for delivery of the particular targeted marketing offer to the consumer for display on the electronic display of the client machine; and 
 transmitting a computer-executable script to the financial institution computer system for execution upon the electronic display of the client machine, whereby: 
   in response to receiving the particular targeted marketing offer, the financial institution computer system modifies the electronic display by inserting the particular targeted marketing offer into the display of the financial transactions based at least in part on the information corresponding to the particular targeted marketing offer from the campaign data for the particular consumer.   
     
     
         28 . The system of  claim 27 , wherein the computer-executable script is a DOM injection script.