WO2017052466A1 - Device and method for online advertisement - Google Patents

Device and method for online advertisement Download PDF

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Publication number
WO2017052466A1
WO2017052466A1 PCT/SG2015/050338 SG2015050338W WO2017052466A1 WO 2017052466 A1 WO2017052466 A1 WO 2017052466A1 SG 2015050338 W SG2015050338 W SG 2015050338W WO 2017052466 A1 WO2017052466 A1 WO 2017052466A1
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WO
WIPO (PCT)
Prior art keywords
payment
consumer
financial transaction
readable medium
advertisement item
Prior art date
Application number
PCT/SG2015/050338
Other languages
French (fr)
Inventor
Herman SANTOSO
Original Assignee
Red Dot Payment Pte. Ltd.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Red Dot Payment Pte. Ltd. filed Critical Red Dot Payment Pte. Ltd.
Priority to PCT/SG2015/050338 priority Critical patent/WO2017052466A1/en
Publication of WO2017052466A1 publication Critical patent/WO2017052466A1/en

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0241Advertisement
    • G06Q30/0251Targeted advertisement
    • G06Q30/0253During e-commerce, i.e. online transactions
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping

Abstract

Non-transitory computer readable medium for a website involving online financial5 transaction. The computer readable medium contains stored computer-readable instructions for causing a computer processor with server support to perform operations comprising retrieving stored data defining advertisement items originating from authorized sources and displaying the advertisement items during a financial transaction step in the website. During the financial transaction step the consumers generally keep their eyes fixed on the web page to be assured that the transaction is successfully completed, hence the display of the advertisement items have increased chances of drawing the consumer's attention. As the advertisement items originate from the authorized sources, displaying the advertisement items during the financial transaction step as such do not compromise on the security aspect.

Description

DEVICE AND METHOD FOR ONLINE ADVERTISEMENT

FIELD OF INVENTION

The present invention relates to the field of online advertisements, in particular for websites involving online financial transaction.

BACKGROUND OF THE INVENTION

Websites and methods for displaying revenue-generating information such as advertisements and non-revenue-generating information such as content online are widely available. Online advertising enables advertisers to publicize information about goods and services to potential customers. The online provider frequently serves to connect the advertisers with the users accessing online resources such as search engines, for news and information sites. The related web pages are accessible by the users on devices such as desktop computers, portable computers such as laptops and handheld devices such as tablets and smartphones or media devices such as televisions. The advertisements are presented in various ways such as on the web page as a sequence of items displayed, as updated with new content at the top or bottom of the web page and the like upon the elapse of a certain period of time, the scrolling of a mouse, or the click of a spacebar and the like.

Advertising items are inserted to visually match the surrounding contents so as to appear native to the contents or may be formatted to complement the surrounding contents so as to be more eye-catching. Many advertisements are displayed along with a sound effect for drawing the viewers' attention. Many advertisements incorporate a lot of movement features again to draw the viewers' attention. In order to draw an added attention of the viewers many sites provide pop-up advertisements which need to be attended to at least with a 'click' on a specified tab before continuing with the contents of the site. Attracting the viewers' attention is one of the key purposes of advertisements. However even if the pop-up advertisements succeed to attract attention of the viewers, the subject of the advertisement may be of interest to only some.

The present invention provides a device and method to introduce display of advertisements that draw improved attention of the user of the website. SUMMARY OF THE INVENTION

The following presents a simplified summary to provide a basic understanding of the present invention. This summary is not an extensive overview of the present invention, and is not intended to identify key features of the invention. Rather, it is to present some of the inventive concepts of this invention in a generalized form as a prelude to the detailed description that is to follow.

According to a first aspect of the invention, there is provided a non-transitory computer readable medium for a website involving online financial transaction, the computer readable medium comprising stored computer-readable instructions for causing a computer processor with server support to perform operations comprising:

retrieving stored data defining at least one advertisement item originating from authorized source(s); and

displaying the at least one advertisement item during a financial transaction step in the website.

Advantageously during the financial transaction step the consumers generally keep their eyes fixed on the website to be assured that the transaction is successfully completed hence the displayed advertisement items have increased chances of getting the consumers' attention. As with most websites involving financial transaction such as with credit/debit cards, after the consumer keys in his/her card details, the verification process between the payment website through the relevant credit/debit card association and the relevant banks takes place. There are therefore waiting periods after the consumer keys in his/her card details and proceeds through the steps until the confirmation of a successful payment is received. The embodiments of the present invention utilize these waiting periods and since the advertisement items are from authorised sources, there is no compromise on security aspect during the financial transaction step. According to an embodiment, the displaying operation during the financial transaction step is after a consumer keys in his/her payment account details and before the consumer commands to execute a corresponding payment transaction during the financial transaction step. Advantageously, the time taken by the website to recognize the payment account details is utilized for displaying the advertisement item.

According to an alternate embodiment, the displaying operation is during a verification process for authorizing a payment transaction during the financial transaction step. Advantageously, the time taken by the website to execute the verification process is utilized for displaying the advertisement item.

According to yet another embodiment, the displaying operation is after a verification process for authorizing a payment transaction and before the consumer is guided to a payment acknowledgement page during the financial transaction step. Advantageously, the time taken by the website between these two steps is utilized for displaying the advertisement item. According to yet another embodiment the operations further comprise:

the at least one advertisement item seeking a consumer command in order to hide from the website. Advantageously this feature draws added attention of the consumer than when the advertisement item hides by itself after a pre-set time. According to yet another embodiment the operations further comprise:

the at least one advertisement item hiding after a pre-set time if no trigger by consumer is received; and guiding the consumer to a payment acknowledgement page. Advantageously this feature helps when the consumer shows no interest to proceed with the offers in the advertisement item during the financial transaction step in the website.

According to yet another embodiment the operations further comprise:

the at least one advertisement item seeking consumer consent for a new membership with any of the authorized sources. Advantageously this feature helps in attaining new membership easily and with minimal effort.

According to yet another embodiment the operations further comprise:

the advertisement item seeking an alternate payment mode other than the payment mode used in the financial transaction step, in order to meet any business interest of the authorized source. Here since the subject of the advertisement item on the alternate payment mode closely relates with the payment mode used during the financial transaction step but with advantages as highlighted in the advertisement item, the advertisement item advantageously is likely to draw added attention of the consumer.

According to yet another embodiment the payment account details co-relate to any one payment mode from the group consisting of:

a) Credit card,

b) Debit card,

c) Bank account,

d) Stored-value online account,

e) Internet Banking,

f) ATM transfer,

g) Cryto-currency payment, in bitcoins and the like,

h) Telco payment, and

i) Money transfer like peer to peer, corporate to corporate and the like.

According to yet another embodiment the authorized sources belong to the group consisting of:

a) Banks,

b) Online/ mobile wallet account providers,

c) E-mining like with bitcoin mine,

d) E-exchange and

e) Telco. According to yet another embodiment, the operations further comprise:

guiding the consumer to the authorised source's website via hyperlink(s) on the advertisement item and without interrupting the financial transaction step. Should the consumer show interest by submitting commands during the financial transaction step, this feature is useful to provide additional information about the advertising item or to collect consumer information.

According to yet another embodiment the advertisement item comprises:

a notice;

an announcement; promotion of a product;

promotion of a service; and

promotion of an event. According to a second aspect, a method of advertising on a website involving online financial transaction is provided. The method employs a non-transitory computer readable medium containing stored computer-readable instructions and a computer processor with server support, the method comprises:

retrieving stored data defining at least one advertisement item originating from authorized source(s); and

displaying the at least one advertisement during a financial transaction step in the website. The advantages are as listed under the first aspect.

According to an embodiment of the method, the displaying operation during the financial transaction step is after a consumer keys in his/her payment account details and before the consumer commands to execute a corresponding payment transaction. Advantageously, the time taken by the website to recognize the payment account details is utilized for displaying the advertisement item. According to an alternate embodiment of the method, the displaying operation is during a verification process for authorizing a payment transaction during the financial transaction step. The time taken by the website to execute the verification is advantageously utilized for displaying the advertisement item. According to another alternate embodiment of the method, the displaying operation is after a verification process for authorizing a payment transaction and before the consumer is guided to a payment acknowledgement page during the financial transaction step. The time taken by the website between these two steps is advantageously utilized for displaying the advertisement item.

According to another embodiment the method comprises: the at least one advertisement item seeking a consumer command in order to hide from the website. This feature draws added attention of the consumer than when the advertisement item hides by itself after a pre-set time.

According to yet another embodiment the method comprises:

the at least one advertisement item hiding after a pre-set time if no trigger by consumer is received; and guiding the consumer to a payment acknowledgement page. Advantageously this feature helps when the consumer shows no interest to proceed with the offers in the advertisement item during the financial transaction step in the website.

According to another embodiment the method comprises:

the at least one advertisement item seeking a consumer consent for a new membership with any of the authorized sources. This feature helps in attaining new membership easily and with minimal effort as the consumer here is already dealing with an authorized source and will easily be interested for another with better offers.

According to another embodiment of the method the payment account details co- relate to any one payment mode selected from the group consisting of:

a) Credit card,

b) Debit card,

c) Bank account,

d) Stored-value online account,

e) Internet Banking,

f) ATM transfer,

g) Cryto-currency payment, in bitcoins and the like,

h) Telco payment, and

i) Money transfer like peer to peer, corporate to corporate and the like.

According to another embodiment of the method the authorized source is selected from a group consisting of:

a) Banks,

b) Online/ mobile wallet account providers,

c) E-mining like with bitcoin mine,

d) E-exchange and e) Telco.

According to another embodiment the method comprises:

the advertisement item seeking an alternate payment mode than the payment mode used in the financial transaction step. The subject of the advertisement item on the alternate payment mode being closely related with the payment mode used during the financial transaction step but with advantages as highlighted in the advertisement item, the advertisement item is likely to draw added attention of the consumer. According to another embodiment the method comprises:

guiding the consumer to the authorised source's website via hyperlink(s) on the advertisement item and without interrupting the financial transaction step. Should the consumer show interest by submitting commands during the financial transaction step, this feature is useful to provide additional information about the advertising item or to collect consumer information.

According to another embodiment of the method the advertisement item comprises: a notice;

an announcement;

promotion of a product;

promotion of a service; and

promotion of an event.

BRIEF DESCRIPTION OF THE DRAWINGS

This invention will be described by way of non-limiting embodiments of the present invention, with reference to the accompanying drawings. In the drawings, emphasis is placed upon illustrating the principles of the invention. The various embodiments and advantages of the present invention will be more fully understood when considered with respect to the following detailed description, appended claims and drawings wherein:

Figure la and lb together partially illustrate a flowchart diagram according to a first embodiment of the invention. Figure 2a and 2b together partially illustrate a flowchart diagram according to a second embodiment of the invention. Figure 3a and 3b together partially illustrate a flowchart diagram according to a third embodiment of the invention.

DETAILED DESCRIPTION OF THE INVENTION

One or more specific and alternative embodiments of the present invention will now be described in sufficient detail so that those skilled in the art can make and use the invention and with reference to the attached drawings. It shall be apparent to one skilled in the art, however, that this invention may be practiced without such specific details. Some of the details may not be described at length so as not to obscure the invention. The embodiments of the present invention provide improved methods and devices for payment gateways for online transactions. As with most payment websites, after the consumer keys in his/her card details, a verification process between the payment website through the relevant credit/debit card association and the relevant banks takes place. There is therefore a waiting period after the consumer keys in his/her credit card details and the confirmation of a successful payment. According to an aspect of the present invention a non-transitory software method and device is provided that allows advertisement items to be displayed while the consumer is in the financial transaction step starting from selecting a payment mode and until receiving confirmation of a successful payment. Herein, 'non-transitory' indicates 'enduring or long-lived' and potentially excludes computer-readable media that store data only for short periods of time and/or only in the presence of power, such as register memory, processor cache and Random Access Memory (RAM). Transitory signals are non-patentable.

During a financial transaction step in a website only the payment gateway providers/authorised sources have access to the page. According to the embodiments of the present invention, the advertisement items are inserted only by the payment gateway providers/authorised sources who control the payment process through the website. According to an embodiment of the invention, the non-transitory computer readable medium 100 for a website involving online financial transaction is in part described here with reference to Figures la and lb, where the display of the advertisement items starts before the consumer clicks on 'pay'. As illustrated, the Merchant's Ecommerce Website 10 leads to the Payment Page 12 which in turn leads to the Advertising Bank's Website 40. In these figures the contents of the Ecommerce website 10 before a consumer is guided to the Payment Page 12 are not shown. In a 1st module 14 as shown, the consumer selects items on the Ecommerce Website 10 and navigates to a 2nd module 16 where the consumer is provided with an option to click on a 'Pay Now' button. The consumer then gets to navigate to the checkout page or Payment Page 12 to a 3rd module 18 where the consumer selects a payment mode from various options provided like for example, by credit card/ debit card/ bank account and the like. Assuming the consumer chooses to pay by credit card, the consumer fills in his credit card details to make payment as shown at a 4th module 20. As per the conventional route in the website, thereafter the consumer clicks on 'pay' as at a 5th module 22. Payment is then authorized as at a 6th module 24. The consumer is then guided to the payment result page as shown at a 7th module 26. In this embodiment, the financial transaction step includes the steps at the 2nd module 16, 3rd module 18, 4th module 20, 5th module 22, 6th module 24 and 7th module 26. Here, in between any two consecutive modules there is a processing time delay. According to other embodiments, other kinds of modules related to the financial transaction step may be included as well. As per an embodiment of the invention, after the 4th module 20, as shown in an 8th module 28 the non-transitory computer readable medium automatically checks the binary (BIN) to find if the card number belongs to the same country as the advertising bank/ authorized source. If the finding is in the negative, a first advertisement item 'Adv is displayed as in a 9th module 30. This advertisement item may be by an advertising bank or an independent advertiser or the like that wants to promote its products or services to a foreigner (such as for using a foreign card). If the finding of the 8th module 28 is in the positive, as in a 10th module 32, the BIN checks if the first 6 digits of the credit card number keyed in at the 4th module 20 belong to a particular authorized source such as an advertising bank or an independent advertiser. If the finding is in the positive, a second advertisement item 'Adv 2' from the advertising bank or the independent advertiser is displayed as shown by an 11th module 34. For example, the second advertising item if by the advertising bank may be related to providing a coupon or other deals the advertising bank may have for its cardholders. If the advertising space is taken by the independent advertiser, it may relate to promoting products or services tailored specifically to the cardholders of the advertising bank. However if the finding of the 10th module 32 is in the negative, a third advertisement item may be displayed like a credit card promotional advertisement/banner/lightbox and the like for the advertising bank as illustrated in a 12th module 36. Therefrom the flow leads to a 13th module 38 if the consumer clicks on the advertisement item in the 12th module 36. If the finding is in the positive, the flow proceeds to the advertising bank's website 40 and to a 14th module 42 to open a new window in the payment results page 26. The consumer is then guided to the bank's card sign up page as shown at a 15th module 44 and the consumer is then prompted to fill in relevant details as at a 16th module 46. As shown at a 17th module 48, the advertising bank then acquires a new consumer. Thus in this embodiment the display of the advertisement items start before the consumer clicks on 'pay' tab as at the 5th module 22. The consumer proceeds with the 5th module 22 and then with the 6th module 24. If the finding at the 13th module 38 is in the negative, the flow proceeds to an 18th module 50 where the advertisement item hides itself from the website after a pre-set time on receiving no trigger from the consumer. The hiding of the advertisement if ignored after a pre-set time applies also to the 9th module 30 and the 11th module 34.

Another embodiment of the non-transitory computer readable medium 200 for a website involving online financial transaction is described here with reference to Figures 2a and 2b. In this embodiment, all other matters remaining the same as in the first embodiment, the display of the advertisement items start after the consumer clicks on the 'pay' tab at the 5th module 22.

Yet another embodiment of the non-transitory computer readable medium 300 for a website involving online financial transaction is described here with reference to Figures 3a and 3b. In this embodiment all other matters remaining the same as in the first embodiment, the display of the advertisement items start after the payment is authorized at the 6th module 24 and before the payment acknowledgement page at the 7th module 26 is made available. The embodiments described above for the non-transitory computer readable medium 100, 200, 300 for a website involving online financial transaction contains stored computer-readable instructions for causing a computer processor with server support to perform the required operations of retrieving stored data on the advertisement items from authorized sources and displaying the same during the financial transaction step in the website.

The advertisement items as shown at the 9th module 30, the 11th module 34 and the 12th module 36 may seek a consumer command (not shown) in order to hide from the website. The advertisement items as shown at the 9th module 30 and the 11th module 34 like the 12th module 36 may also seek a consumer consent (not shown) for accepting any new offer from any of the authorized sources.

The payment modes selectable at the 3rd module 18 may be such as by credit card, debit card, bank accounts/ stored- value online accounts/ internet banking/ ATM (automated teller machine) transfer/ cryto-currency payment (such as bitcoins and the like)/ telco payment/ money transfer such as peer to peer / corporate to corporate and the like. Any other suitable payment mode may be included as well. Similarly, the authorized source may be such as banks/ online or mobile wallet account providers/ e-mining such as bitcoin mining and the like/ e-exchange/ telco and the like. Any other suitable authorized source may be included as well. According to an embodiment of the invention (not shown) the payment mode selected by the consumer at the 3rd module 18 is recognised by the computer readable medium and a suitable advertisement targeting the specific type of cardholder is advertised in the 9th module 30 and 11th module 34. For example in the 11th module 34, if the consumer is using debit card facility provided by an authorised source then an advertisement for credit card application may be displayed on behalf of the same authorised source with the corresponding advantage(s) highlighted. Independent advertisers may also rent the space for the 9th module 30 and the 11th module 34 to promote products and services tailored to foreigners in the case of the 9th module 30 and to specific types of cardholders in the case of the 11th module 34. The advertising space may be exclusively used for display of the advertisement item and for no other purpose during a financial transaction step in the website. The advertisement items at 12th module 36 may seek an alternate payment mode than the payment mode used in the financial transaction step in order to meet any business interest of the authorized source. For example, the computer readable medium may detect the binary code of the credit or debit card to determine the bank of the credit or debit card that the consumer is using. If the consumer is using a card from Standard Chartered Bank, then according to an embodiment of the invention an advertisement for a different bank such as Maybank is displayed.

The embodiments of the invention will actually insert the advertisement items at 9th module 30, 11th module 34 and 12th module 36 onto the same website that informs consumers that their financial transaction is being processed. In other words, the consumer cannot actually close off the advertisement items at 9th module 30, 11th module 34 and 12th module 36 because closing these means that the financial transaction step will be interrupted.

The consumer may be guided to the authorised source's website such as by opening a new tab or window and via hyperlink(s) (not shown) on the advertisement items at 9th module 30 and 11th module 34 and without interrupting the financial transaction step. Should the consumer show interest by submitting commands, this feature is useful to provide additional assistance about the advertising item during the financial transaction step.

The advertisement items at 9th module 30 and 11th module 34 may include a notice, an announcement, promotion of a product, promotion of a service or promotion of an event. Other kinds of options are possible as well.

As to further discussion of the manner of usage and operation of the present invention, the same should be apparent from the above description. Accordingly, no further discussion relating to the manner of usage and operation will be provided.

While the foregoing description presents specific embodiments of the present invention along with many details set forth for purposes of illustration, it will be understood by those skilled in the art that many variations or modifications in details of design, construction and operation may be made without departing from the present invention. The scope of the present invention is defined by the appended claims and all changes that come within the meaning and range of equivalency of the claims are intended to be embraced therein.

Claims

CLAIMS:
1 . A non-transitory computer readable medium for a website involving online financial transaction, the computer readable medium comprising: stored computer-readable instructions for causing a computer processor with server support to perform operations comprising: retrieving stored data defining at least one advertisement item originating from at least one authorized source; and displaying the at least one advertisement item during a financial transaction step in the website.
2. The non-transitory computer readable medium according to claim 1 wherein the displaying operation is after a consumer keys in his/her payment account details and before the consumer commands to execute a corresponding payment transaction during the financial transaction step.
3. The non-transitory computer readable medium according to claim 1 wherein the displaying operation is during a verification process for authorizing a payment transaction during the financial transaction step.
4. The non-transitory computer readable medium according to claim 1 wherein the displaying operation is after a verification process for authorizing a payment transaction and before a consumer is guided to a payment acknowledgement page during the financial transaction step.
5. The non-transitory computer readable medium according to claim 1 wherein the operations further comprise: the at least one advertisement item seeking a consumer command in order to hide from the website.
6. The non-transitory computer readable medium according to claim 1 wherein the operations further comprise: the at least one advertisement item hiding after a pre-set time if no trigger by consumer is received; and
guiding the consumer to a payment acknowledgement page.
7. The non-transitory computer readable medium according to claim 1 wherein the operations further comprise:
the at least one advertisement item seeking a consumer consent for a new membership with the at least one authorized source.
8. The non-transitory computer readable medium according to claim 2 wherein the operations further comprise:
the at least one advertisement item seeking an alternate payment mode other than a payment mode for the payment account details used in the financial transaction step.
9. The non-transitory computer readable medium according to claim 8 wherein the payment mode is selected from a group consisting of:
a) Credit card,
b) Debit card,
c) Bank account,
d) Stored-value online account,
e) Internet Banking,
f) ATM transfer,
g) Cryto-currency payment, in bitcoins and the like,
h) Telco payment, and
i) Money transfer like peer to peer, corporate to corporate and the like.
10. The non-transitory computer readable medium according to claim 1 wherein the at least one authorized source is selected from a group consisting of:
a) Banks, a) Online/ mobile wallet account providers,
b) E-mining like with bitcoin mine,
c) E-exchange and
d) Telco.
1 1 . The non-transitory computer readable medium according to claim 1 wherein the operations further comprise:
guiding a consumer to the at least one authorised source's webpage via hyperlink(s) on the at least one advertisement item and without interrupting the financial transaction step.
12. The non-transitory computer readable medium according to claim 1 wherein the at least one advertisement item is selected from a group consisting:
a notice,
an announcement,
promotion of a product,
promotion of a service, and
promotion of an event.
13. A method of advertising on a website involving online financial transaction, the method employing a non-transitory computer readable medium containing stored computer-readable instructions and a computer processor with server support, the method comprising: retrieving stored data defining at least one advertisement item originating from at least one authorized source; and displaying the at least one advertisement item during a financial transaction step in the website.
14. The method according to claim 13 wherein the displaying operation is after a consumer keys in his/her payment account details and before the consumer commands to execute a corresponding payment transaction during the financial transaction step.
15. The method according to claim 13 wherein the displaying operation is during a verification process for authorizing a payment transaction during the financial transaction step.
16. The method according to claim 13 wherein the displaying operation is after a verification process for authorizing a payment transaction and before a consumer is guided to a payment acknowledgement page during the financial transaction step.
17. The method according to claim 13 further comprising:
the at least one advertisement item seeking a consumer command in order to hide from the website.
18. The method according to claim 13 further comprising:
the at least one advertisement item hiding after a pre-set time if no trigger by consumer is received; and
guiding the consumer to a payment acknowledgement page.
19. The method according to claim 13 further comprising:
the at least one advertisement item seeking a consumer consent for a new membership with the at least one authorized source.
20. The method according to claim 14 further comprising:
the at least one advertisement item seeking an alternate payment mode than a payment mode for the payment account details used in the financial transaction step.
21 . The method according to claim 20 wherein the payment account details co-relate to any one payment mode selected from a group consisting of:
a) Credit card,
b) Debit card,
c) Bank account,
d) Stored-value online account, e) Internet Banking,
f) ATM transfer,
g) Cryto-currency payment, in bitcoins and the like,
h) Telco payment, and
i) Money transfer like peer to peer, corporate to corporate and the like.
22. The method according to claim 13 wherein the at least one authorized source is selected from a group consisting of:
a) Banks,
b) Online/ mobile wallet account providers,
c) E-mining like with bitcoin mine,
d) E-exchange and
e) Telco.
23. The method according to claim 13 further comprising:
guiding the consumer to the authorised source's website via hyperlink(s) on the at least one advertisement item and without interrupting the financial transaction step.
24. The method according to claim 13 wherein the at least one advertisement item is selected from a group consisting:
a notice,
an announcement,
promotion of a product,
promotion of a service, and
promotion of an event.
PCT/SG2015/050338 2015-09-23 2015-09-23 Device and method for online advertisement WO2017052466A1 (en)

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Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030120540A1 (en) * 2001-12-26 2003-06-26 Hung-Chun Yang Advertisement method used in automated service system
JP2008134581A (en) * 2006-10-31 2008-06-12 Oki Electric Ind Co Ltd Advertisement screen display system
WO2011081572A2 (en) * 2009-12-29 2011-07-07 Panova Tina Aleksandrovna System for controlling a structure of payment and service terminals and/or information terminals with advertisement and information content
US20150242894A1 (en) * 2014-02-24 2015-08-27 Ncr Corporation Channel integration
US20150248696A1 (en) * 2014-02-28 2015-09-03 Ncr Corporation Unified channel management

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030120540A1 (en) * 2001-12-26 2003-06-26 Hung-Chun Yang Advertisement method used in automated service system
JP2008134581A (en) * 2006-10-31 2008-06-12 Oki Electric Ind Co Ltd Advertisement screen display system
WO2011081572A2 (en) * 2009-12-29 2011-07-07 Panova Tina Aleksandrovna System for controlling a structure of payment and service terminals and/or information terminals with advertisement and information content
US20150242894A1 (en) * 2014-02-24 2015-08-27 Ncr Corporation Channel integration
US20150248696A1 (en) * 2014-02-28 2015-09-03 Ncr Corporation Unified channel management

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