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.

What is claimed is: 
     
         1 . A targeted marketing offer management computer system for providing interactive, real time definition by a user of at least one de-identified market segment derived from a plurality of prior financial transactions of consumers maintained in a computer system associated with a financial institution and delivery of targeted marketing offer data to one or more second computer systems, wherein the computer system associated with the financial institution and the one or more second computer systems are remotely located and physically separated from the targeted marketing offer management computer system and are located behind at least one security component, the one or more second computer systems for delivery of a targeted marketing offer to a consumer computer system associated with a consumer of one or more financial institutions in the at least one defined market segment upon detection that a consumer in a defined market segment has made an offer qualifying transaction, comprising:
 a processor coupled for secure data communications with each of the one or more second computer systems via a computer communications network through the at least one security component, the processor programmed to:   display an interactive marketing campaign user interface to the user, the marketing campaign user interface including:
 at least a segment population field for display of the number of consumers in a segment being defined from an estimated total population of consumers whose de-identified transactions are provided in a second computer system of the one or more second computer systems for segment definition; 
 one or more data entry fields corresponding to one or more dimension criteria for defining the at least one defined market segment; and 
 one or more data entry fields for providing data corresponding to a targeted marketing offer for delivery to consumers in a defined segment; 
   receive user entry of information corresponding to one or more dimension criteria for defining at least one defined market segment, said dimension criteria defining one or more properties of transactions by a consumer in order to qualify to receive a targeted marketing offer in the segment;   receive user entry of information for defining the at least one targeted marketing offer for delivery to a consumer in the defined market segment as detected by the second computer system of the one or more second computing systems as having made a transaction meeting the criteria of an offer qualifying transaction;   in response to receipt of information input by the user to define a proposed market segment, request segment population information from the one or more second computer systems corresponding to the at least one proposed market segment, the segment population information derived by accessing a database comprising a plurality of de-identified prior financial transactions of consumers obtained from a computer system associated with a financial institution and determining a number of consumers that meet the dimension criteria of the defined market segment;   receive from the one or more second computer systems segment population information corresponding to the at least one proposed market segment;   display the segment population information to the user in the segment population field of the marketing campaign user interface;   repeat the steps to receive user input of dimension criteria and displaying segment population information until the user has determined a defined final market segment;   assemble campaign data including the targeted marketing offer for the defined final market segment; and   transmit the campaign data including the targeted marketing offer to the one or more second computer systems via the computer communications network so that the second computer system can deliver the targeted marketing offer to a particular consumer within the defined final market segment upon determination by the one or more second computer systems associated with the financial institutions that the consumer has made the offer qualifying transaction.   
     
     
         2 . The system of  claim 1 , further comprising a database for storing targeted marketing campaign data, the targeted marketing campaign data comprising advertiser campaign data associated with a particular advertiser, segment data corresponding to the at least one market segment defining properties of financial institution transactions that qualify for receiving a targeted marketing offer of the advertiser, and offer data corresponding to at least one targeted marketing offer of the advertiser for delivery to consumers within at least one defined market segment. 
     
     
         3 . The system of  claim 1 , wherein the second computer system comprises an offer placement computer system. 
     
     
         4 . The system of  claim 1 , wherein the second computer system comprises a financial institution computer system. 
     
     
         5 . The system of  claim 1 , wherein the marketing campaign user interface is hosted on a web-accessible server, and comprises a web-based user interface accessible by a plurality of advertisers that define and manage a plurality of marketing campaigns. 
     
     
         6 . The system of  claim 1 , wherein the at least one security component comprises at least one firewall and at least one proxy. 
     
     
         7 . The system of  claim 1 , wherein each of the second computer systems comprises an offer placement computer system operating in cooperation with a financial institution computer system associated with the financial institution, and wherein the campaign data is processed by the offer placement computer system to generate a display of the predetermined targeted marketing offer for use with a display provided by an online portal of the financial institution. 
     
     
         8 . The system of  claim 7 , wherein the offer placement computer system receives transaction data from the financial institution computer system corresponding to financial transactions of consumers of the financial institution. 
     
     
         9 . The system of  claim 8 , wherein the transaction data is de-identified by a transaction system of the financial institution computer system to obtain de-identified transaction data records from which personal information of the consumers has been removed. 
     
     
         10 . The system of  claim 7 , wherein the offer management computer system is remotely located from the offer placement computer system. 
     
     
         11 . The system of  claim 1 , wherein the system provides for defining a plurality of related predetermined market segments associated with a marketing campaign, each segment having a separate predetermined reward, whereby different rewards are available for different predetermined market segments. 
     
     
         12 . A computer-implemented method for providing interactive, real time definition by a user of at least one de-identified market segment derived from a plurality of de-identified prior financial transactions of consumers maintained in a computer system associated with a financial institution and delivery of electronic targeted marketing offers by one or more second computer systems via a computer communications network through at least one security component to a consumer computer system associated with a consumer of one or more financial institutions in the at least one defined market segment upon detection that the consumer in the defined market segment has made an offer qualifying transaction, wherein the computer system associated with the financial institution and the one or more second computer systems are remotely located and physically separated from a targeted marketing offer management computer system (OMS) and are located behind at least one security component, the computer-implemented method comprising the steps of:
 displaying at the OMS an interactive marketing campaign user interface to the user, the marketing campaign user interface including at least a segment population field for display of the number of consumers in a segment being defined from an estimated total population of consumers whose de-identified transactions are provided in a second computer system of the one or more second computing systems for segment definition, one or more data entry fields corresponding to one or more dimension criteria for defining the at least one defined market segment, and one or more data entry fields for providing data corresponding to a targeted marketing offer for delivery to consumers in a defined segment;   displaying information indicating selectable potential market segments;   receiving user entry of information corresponding to one or more dimension criteria for defining at least one defined market segment, said dimension criteria defining one or more properties of transactions by a consumer in order to qualify to receive a targeted marketing offer in the segment;   receiving user entry of information for defining the at least one targeted marketing offer for delivery to a consumer in the defined market segment as detected by the second computer system of the one or more second computing systems as having made a transaction meeting the criteria of an offer qualifying transaction;   in response to receipt of information input by the user to define a proposed market segment,   requesting segment population information from the one or more second computer systems corresponding to the at least one proposed market segment, the segment population information derived by accessing a database comprising a plurality of de-identified prior financial transactions of consumers obtained from a computer system associated with a financial institution and determining a number of consumers that meet the dimension criteria of the defined market segment;   receiving from the one or more second computer systems segment population information corresponding to the at least one proposed market segment;   displaying the segment population information to the user in the segment population field of the marketing campaign user interface;   repeating the steps to receive user input of dimension criteria and displaying segment population information to the user until the user has determined a defined final market segment;   based on information entered by the advertiser corresponding to a defined final market segment, assembling the campaign data including the targeted marketing offer for the defined final market segment for delivery to the one or more second computer systems; and   transmitting the campaign data including the targeted marketing offer to the one or more second computer systems via the computer communications network so that the second computer system can deliver the targeted marketing offer to a particular consumer within the defined final market segment upon determination by via the one or more second computer systems associated with the financial institutions that the consumer has made the offer qualifying transaction.   
     
     
         13 . The method of  claim 12 , wherein the marketing campaign user interface is hosted on a web-accessible server, and comprises a web-based user interface accessible by a plurality of advertisers that define and manage a plurality of marketing campaigns. 
     
     
         14 . The method of  claim 12 , wherein the segment data corresponds to a plurality of predetermined market segments and offer data comprising a plurality of predetermined targeted marketing offers for such segments. 
     
     
         15 . The method of  claim 12 , wherein the at least one security component comprises at least one firewall and at least one proxy. 
     
     
         16 . The method of  claim 15 , wherein the campaign data is stored at the offer management computer system and provided to each of the one or more second computer systems, and wherein each of the one or more second computer systems comprises an offer placement computer system that provides display information to the consumers. 
     
     
         17 . The method of  claim 12 , wherein the campaign data is provided to an offer placement computer system for generating a display of the predetermined targeted marketing offer for use with a display provided by an online portal of the financial institution. 
     
     
         18 . The method of  claim 12 , wherein the campaign data is provided to a system associated with the online portal of the financial institution. 
     
     
         19 . The method of  claim 12 , wherein the campaign data is provided to an offer placement computer system for subsequent provision of display information for use by an online portal of the financial institution. 
     
     
         20 . The method of  claim 19 , further comprising the step of receiving transaction data at the offer placement computer system from the financial institution corresponding to financial transactions of consumers of the financial institution. 
     
     
         21 . The method of  claim 20 , wherein the transaction data is de-identified by a transaction system of the financial institution to obtain de-identified transaction data records from which personal information of each consumer has been removed. 
     
     
         22 . The method of  claim 19 , wherein the offer placement computer system operates in cooperation with a financial institution computer system associated with the financial institution to generate a display of information relating to the predetermined targeted marketing offer during an online session comprising a display of transactions of consumers via the online portal of the financial institution. 
     
     
         23 . The method of  claim 12 , further comprising the step of receiving redemption data corresponding to information indicating that a particular consumer has engaged in a redemption qualifying transaction that qualifies for a reward associated with the targeted marketing offer displayed to the consumer. 
     
     
         24 . The method of  claim 12 , wherein the targeted marketing offer includes information indicating promised delivery of a predetermined reward in response to the consumer engaging in a redemption qualifying transaction having predetermined conditions, and
 further comprising the step of delivering the predetermined reward to the consumer in response to a determination, by processing of subsequent transaction data, that a transaction conducted by the consumer satisfies the predetermined conditions of the redemption qualifying transaction.   
     
     
         25 . The method of  claim 24 , further comprising the step of providing for defining a plurality of related predetermined market segments associated with a marketing campaign, each of said market segments having an associated predetermined reward, whereby different rewards are available for different predetermined market segments. 
     
     
         26 . The method of  claim 12 , wherein the second computer system comprises an offer placement computer system. 
     
     
         27 . The method of  claim 12 , wherein the second computer system comprises a financial institution computer system. 
     
     
         28 . The method of  claim 12 , further comprising the step of: storing at the OMS targeted marketing campaign data, the targeted marketing campaign data comprising advertiser campaign data associated with a particular advertiser, segment data corresponding to the at least one market segment defining properties of financial institution transactions that qualify for receiving a targeted marketing offer of the advertiser, and offer data corresponding to the at least one targeted marketing offer of the advertiser for delivery to consumers within the at least one defined market segment.