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Pre-Grant Publication Number: 20110099074

System and method for providing marketing offers to users of financial account issuer website

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#1254Business Method for Credit Card Email Alters

Applies to Claims 1,10,11,13,14,15,16,17,18,19,2,20,21,22,23,24,25,26,27,28,29,30,31,32,4,5,6,7,8,9

Submitted by: Matthew ZehrerLast updated: almost 2 years ago

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Claims

A system for providing a marketing offer to holders of financial accounts during a communication session, the system comprising:a processor;

an account maintenance module executable by the processor and adapted to initiate a communication session with a user computer of an account holder over a computer network, wherein the account maintenance module:determines whether a financial account associated with the account holder is a target for receiving the marketing offer; and

if so, transmits the marketing offer to the user computer over the computer network during the communication session.

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The system of Claim 1, further comprising a target database adapted to store financial account identifiers identifying financial accounts that have been targeted for receiving the marketing offer.

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The system of Claim 1, wherein the account maintenance module sends a message containing an account identifier to an offer management computer, the message containing a request to determine whether the financial account identified by the account identifier is in a targeted list for receiving the marketing offer.

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The system of Claim 4, wherein responsive to the sent message, the account maintenance module receives from the offer management computer a message containing a web link to a marketing offer image for download through the Internet.

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The system of Claim 4, wherein the offer management computer manages the marketing offer for a plurality of issuers of the financial accounts.

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A system for providing a marketing offer to holders of financial accounts during a communication session, the system comprising:a processor;

an offer management module executable by the processor and adapted to communicate with an issuer computer that initiates a communication session with a user computer of an account holder, wherein the offer management module:receives from the issuer computer a message containing an account identifier identifying a financial account associated with the account holder before the communication session ends;

in response to the received message, determines whether the associated financial account is a target for receiving the marketing offer; and

if so, transmits a message to the issuer computer that the associated financial account is a target for receiving the marketing offer.

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The system of Claim 8, further comprising a target database adapted to store financial account identifiers identifying financial accounts that have been targeted for receiving the marketing offer, wherein the offer management module determines whether the associated financial account is a target for receiving the marketing offer by querying the target database.

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The system of Claim 8, wherein the offer management module transmits the message containing a web link to a marketing offer image for download through the Internet.

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The system of Claim 10, wherein the offer management module transmits the message containing a web link to a marketing offer image containing a symbol for the issuer of the associated financial account for download through the Internet.

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The system of Claim 8, wherein the offer management module manages the marketing offer for a plurality of issuers of the financial accounts.

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A system for providing a marketing offer to holders of financial accounts during a communication session, the system comprising:an issuer computer adapted to initiate a communication session with a user computer of an account holder;

a target database adapted to store financial account identifiers identifying financial accounts that have been targeted for receiving a marketing offer which is available to a plurality of issuers of financial accounts;

an offer management computer coupled to the issuer computer and the target database, and adapted to:receive from the issuer computer a message containing an account identifier identifying a financial account associated with the holder before the communication session ends;

in response to the received message, query the target database to determine whether the associated financial account is a target for receiving the marketing offer; and

if so, transmit a message to the issuer computer that the associated financial account is a target for receiving the marketing offer.

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The system of Claim 14, wherein the offer management computer transmits the message containing a web link to a marketing offer image for download through the Internet.

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The system of Claim 15, wherein the offer management computer transmits the message containing a web link to a marketing offer image containing a symbol for the issuer of the associated financial account for download through the Internet.

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The system of Claim 14, wherein the offer management computer determines whether the associated financial account has opted in to receiving marketing materials from an issuer of the associated financial account.

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A method by an issuer computer of providing a marketing offer to holders of financial accounts during a communication session, the method comprising:interacting, by the issuer computer, with a user computer of an account holder to initiate a communication session;

determining, before the communication session ends, whether a financial account associated with the holder is a target for receiving the marketing offer; and

if so, transmitting, by the issuer computer, the marketing offer to the user computer.

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The method of Claim 18, wherein the step of determining includes querying a target database that stores financial account identifiers identifying financial accounts that have been targeted for receiving the marketing offer.

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The method of Claim 18, further comprising determining whether the associated financial account has opted in to receiving marketing materials from an issuer of the associated financial account.

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The method of Claim 18, wherein the step of determining includes sending a message containing an account identifier to an offer management computer, the message containing a request to determine whether the financial account identified by the account identifier is in a targeted list for receiving the marketing offer.

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The method of Claim 21, wherein the message is sent to the offer management computer that manages the marketing offer for a plurality of issuers of the financial accounts.

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The method of Claim 21, wherein the step of determining includes, responsive to the sent message, receiving from the offer management computer a message containing a web link to a marketing offer image for download through the Internet.

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The method of Claim 23, wherein the received message contains a web link to a marketing offer image containing a symbol for the issuer of the associated financial account for download through the Internet.

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A computer readable storage medium containing software code which, when executed by a processor, performs the method of Claim 18.

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A method by an offer management computer of providing a marketing offer to holders of financial accounts during a communication session, the method comprising:receiving by the offer management computer a message from an issuer computer that has initiated a communication session with a user computer of an account holder, the message being received before the communication session ends and containing an account identifier identifying a financial account associated with the holder;

in response to the received message, determining by the offer management computer whether the associated financial account is a target for receiving the marketing offer; and

if so, transmitting a message to the issuer computer that the associated financial account is a target for receiving the marketing offer.

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The method of Claim 26, wherein the step of determining includes querying a target database that stores financial account identifiers identifying financial accounts that have been targeted for receiving the marketing offer.

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The method of Claim 26, further comprising determining whether the associated financial account has opted in to receiving marketing materials from an issuer of the associated financial account.

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The method of Claim 26, wherein the offer management manages the marketing offer for a plurality of issuers of the financial accounts.

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The method of Claim 26, wherein the step of transmitting includes transmitting a message containing a web link to a marketing offer image for download through the Internet.

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The method of Claim 30, wherein the message contains a web link to a marketing offer image containing a symbol for the issuer of the associated financial account for download through the Internet.

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A computer readable storage medium containing software code which, when executed by a processor, performs the method of Claim 26.

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Type of Prior Art	Issued Patents - US

Country	United States of America

Patent/Application #	09/887,623

Kind Code	United States (US) - United STATES Patent - A

Patentee Name	Bates et al.

Relevant Pages, Columns, or Lines	[0007]; [0031]; [0032]; [0035]

URL

Filing Date	June 22, 2001

Additional Information

Summary / Description	The notification file may comprise an electronic mail and include one or more information selected from item sale price item purchase price purchase date and store name

Notes