A marketing firm called Encirq Corp. is asking banks and brokerages to turn their customers' monthly online statements into virtual advertising billboards featuring merchant logos, links, and special offers people can click on.

The three-year-old San Francisco company says that its trademarked Illuminated Statement tailors offers and ads to consumers according to the content of their billing statements. Someone whose credit card bill showed several purchases of toys or baby goods, for example, would get offers meant for new parents.

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