SERVING TARGETED ELECTRONIC ADVERTISEMENTS BASED ON ANONYMOUS COOKIES THAT IDENTIFY SPENDING TRENDS

摘要

Targeted electronic advertisements are delivered to a website user/customer by implementing anonymous cookies that serve to identify a customer's overall spending trends and/or preferences. In response to a financial institution customer authenticating themselves at a financial institution website or the like, an anonymous cookie is generated and stored in the customer's web browser cache that includes a unique identifier associated with the customer and the spending trends data associated with the customer's spending trends. In response to the customer using the device to access a website that displays advertisements, the anonymous cookie is retrieved, the unique code prompts a call-back to the financial institution for retrieval and communication of the spending trend data and the data is used to determine which of the plurality of advertisements are to be to displayed to the customer while they visit the website.