知搜-全球专利检索

  1. 登录
  2. 注册

搜索结果

75 条记录 (耗时 0.036 秒)

    SYSTEMS AND METHODS FOR PROVIDING ANONYMIZED USER PROFILE DATA
    41.
    发明申请
    SYSTEMS AND METHODS FOR PROVIDING ANONYMIZED USER PROFILE DATA 有权
    用于提供匿名用户配置文件数据的系统和方法

    公开(公告)号：US20110060905A1

    公开(公告)日：2011-03-10

    申请号：US12777998

    申请日：2010-05-11

    申请人： Brian Stack ,  Andrew Lientz ,  Simon Chamberlain ,  Yacine Abdous ,  Ray Kahn

    发明人： Brian Stack ,  Andrew Lientz ,  Simon Chamberlain ,  Yacine Abdous ,  Ray Kahn

    IPC分类号： H04L29/06

    CPC分类号： G06Q30/0269 ,  G06F21/10 ,  G06Q10/10 ,  G06Q30/02 ,  G06Q30/0201 ,  G06Q2220/10

    摘要： Embodiments facilitate confidential and secure sharing of anonymous user profile data to improve the delivery of customized content. Embodiments of the invention provide a data appliance to an entity such as a business to convert profile data about the business's customers into anonymous identifiers. A similar data appliance is provided to a content provider in one embodiment to generate identifiers for its user profile data. Because the anonymous identifiers are generated with the same anonymization method, identical identifiers are likely generated from profile data of the same users. Therefore, the identifiers can be used to anonymously match the customers of the business to the users of the content provider. Therefore, data can be shared to improve customized content such as advertisements that the business wishes to place with the content provider without requiring the business to disclose customer data in an unencrypted form, and any non-matched data can remain confidential.

    摘要翻译： 实施例促进匿名用户简档数据的机密和安全共享，以改进定制内容的传递。 本发明的实施例向诸如业务的实体提供数据设备，以将关于企业的客户的简档数据转换为匿名标识符。 在一个实施例中，向内容提供商提供类似的数据设备以生成用户简档数据的标识符。 由于使用相同的匿名方法生成匿名标识符，因此可能会从相同用户的配置文件数据生成相同的标识符。 因此，标识符可以用于匿名地将业务的客户与内容提供商的用户进行匿名匹配。 因此，可以共享数据以改进定制内容，例如业务希望与内容提供商放置的广告，而不需要业务以未加密的形式公开客户数据，并且任何不匹配的数据可以保密。

    SYSTEMS AND METHODS FOR DETERMINING THIN-FILE RECORDS AND DETERMINING THIN-FILE RISK LEVELS
    42.
    发明申请
    SYSTEMS AND METHODS FOR DETERMINING THIN-FILE RECORDS AND DETERMINING THIN-FILE RISK LEVELS 有权
    确定薄文件记录的系统和方法，并确定薄文件风险级别

    公开(公告)号：US20100299246A1

    公开(公告)日：2010-11-25

    申请号：US12818096

    申请日：2010-06-17

    申请人： Anamitra Chaudhuri ,  Nancy A. Hadenfeldt ,  Erik Hjermstad

    发明人： Anamitra Chaudhuri ,  Nancy A. Hadenfeldt ,  Erik Hjermstad

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q40/025 ,  G06Q40/04 ,  G06Q40/08

    摘要： In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.

    摘要翻译： 在一些实施例中，公开了用于生成过滤器以确定消费者是否可能基于非信用数据具有可分级信用记录的系统和方法，并且基于非信用来确定与不可评级信用记录相关联的潜在风险水平 数据。 将现有的可得分和不可判断的记录与确定与不可观察记录相关的因素进行比较，并开发多级过滤器。 比较具有至少一个条目的不可判断记录，以确定它们是否“良好”或“不良”风险，确定与任一条件相关的因素，并且开发过滤器。 过滤器可以应用于包含人口统计数据的记录，以确定可能具有不可观察记录但代表良好风险的消费者。

    System and method for generating targeted communications having different content and with preferences for communication media, channel, timing, frequency, and sequences of communications, using an integrated data repository
    44.
    发明授权
    System and method for generating targeted communications having different content and with preferences for communication media, channel, timing, frequency, and sequences of communications, using an integrated data repository 有权
    用于生成具有不同内容并且具有通信媒体，频道，时间，频率和通信序列的偏好的目标通信的系统和方法，使用集成数据存储库

    公开(公告)号：US09471928B2

    公开(公告)日：2016-10-18

    申请号：US13689425

    申请日：2012-11-29

    申请人： Experian Marketing Solutions, Inc.

    发明人： Marc Christian Fanelli ,  Patricia Kay Gormley ,  Kymberly Ann Kulle ,  Thomas G. Nocerino ,  Kaushik Sanyal

    IPC分类号： G06Q30/00 ,  G06Q30/02

    CPC分类号： G06Q30/0202 ,  G06Q30/02 ,  G06Q30/0203 ,  G06Q30/0204

    摘要： The present invention provides a system, method, software and data structure for independently predicting attitudinal and message responsiveness, using a plurality of attitudinal or other identification classifications and a plurality of message content or version classifications, for a selected population of a plurality of entities, such as individuals or households, represented in a data repository. The plurality of predictive attitudinal (or identification) classifications and plurality of predictive message content (ore version) classifications have been determined using a plurality of predictive models developed from a sample population and applied to a reference population represented in the data repository, such as attitudinal, behavioral, or demographic models. For each predictive attitudinal (or identification) classification, at least one predominant predictive message content or version classification is independently determined. The exemplary embodiments also provide, for each predictive attitudinal classification, corresponding information concerning predominant communication media (or channel) types, predominant communication timing, predominant communication frequency, and predominant communication sequencing.

    摘要翻译： 本发明提供了一种用于独立地预测态度和消息响应性的系统，方法，软件和数据结构，对于多个实体的所选择的群体，使用多种态度或其他标识分类和多个消息内容或版本分类， 例如在数据存储库中表示的个人或家庭。 已经使用从样本群体开发并应用于数据存储库中表示的参考群体的多个预测模型来确定多个预测态度（或识别）分类和多个预测消息内容（矿石版本）分类，例如态度 ，行为或人口模型。 对于每种预测态度（或识别）分类，独立地确定至少一个主要的预测消息内容或版本分类。 对于每个预测态度分类，示例性实施例还提供了关于主要通信媒体（或信道）类型，主要通信定时，主要通信频率和主要通信排序的对应信息。

    Systems and methods for processing consumer information for targeted marketing applications
    45.
    发明授权
    Systems and methods for processing consumer information for targeted marketing applications 有权
    用于处理针对性营销应用程序的消费者信息的系统和方法

    公开(公告)号：US09152727B1

    公开(公告)日：2015-10-06

    申请号：US13215161

    申请日：2011-08-22

    申请人： Michael Balducci ,  Thomas C. Manvydas ,  Nadya Kohl ,  Paul Koelfgen

    发明人： Michael Balducci ,  Thomas C. Manvydas ,  Nadya Kohl ,  Paul Koelfgen

    IPC分类号： G06F17/30 ,  G06Q30/02

    CPC分类号： G06F17/30876 ,  G06Q30/02

    摘要： Embodiments of the invention include systems and methods that enable the association and aggregation of consumer data gathered from online and offline sources. In particular, several embodiments are directed to linking consumer data in a data source controlled by an entity (e.g., such as a company's CRM (customer relationship management) database) to offline data sources such as demographic data, and/or online data sources such as online interaction data. The linking may be based on several identifiers (IDs) associated with the data sources. The systems and methods disclosed herein thus facilitate the association of these disparate data sources and enable various entities to better tailor interactions with the consumers. In other embodiments, a shared cookie data management system and method is disclosed. The shared cookie serves as a vehicle through which entities can selectively share consumer information with other entities in a system with uniform format and technical infrastructure.

    摘要翻译： 本发明的实施例包括能够从在线和离线源收集的消费者数据的关联和聚合的系统和方法。 特别地，几个实施例旨在将由实体（例如，诸如公司的CRM（客户关系管理）数据库）控制的数据源中的消费者数据链接到离线数据源，例如人口统计数据和/或在线数据源，例如 作为在线交互数据。 链接可以基于与数据源相关联的几个标识符（ID）。 因此，本文公开的系统和方法便于这些不同数据源的关联，并使各种实体能够更好地定制与消费者的交互。 在其他实施例中，公开了共享cookie数据管理系统和方法。 共享cookie作为车辆，通过该车辆，实体可以选择性地与统一格式和技术基础设施的系统中的其他实体共享消费者信息。

    SYSTEMS AND METHODS OF ENHANCING LEADS
    46.
    发明申请
    SYSTEMS AND METHODS OF ENHANCING LEADS 审中-公开
    增强领导力的系统和方法

    公开(公告)号：US20140214482A1

    公开(公告)日：2014-07-31

    申请号：US14146905

    申请日：2014-01-03

    申请人： EXPERIAN MARKETING SOLUTIONS, INC.

    发明人： Richard Williams ,  Jacob Kong ,  Lawrence J. Hughes ,  Damodar Panigrahi ,  Maria Luisa Kirgan ,  Rasoul Hajikhani

    IPC分类号： G06Q30/02

    CPC分类号： G06Q30/0201 ,  G06Q30/00 ,  G06Q30/0202

    摘要： A client transmits one or more lead records to a lead enhancement module that is configured to enhance the received lead records and return enhanced lead records to the client. The lead enhancement module may return a contactability score for each lead record, indicating a likelihood that the individual identified in the lead may be contacted using the contact information provided in the lead record and/or additional contract information located by the lead enhancement module. The lead enhancement module may also receive additional data items associated with leads from one or more data sources. Additionally, statistical models that may be customized for each client may be applied to information associated with lead records in order to determine one or more propensity scores for each of the lead records, where a propensity score indicates a likelihood that an individual will take a particular action, such as purchasing particular goods or services.

    摘要翻译： 客户端将一个或多个引导记录传送到引导增强模块，引导增强模块被配置为增强接收到的引导记录并将增强的引导记录返回给客户端。 潜在客户增强模块可以返回每个潜在客户记录的可接触性评分，指示可以使用在领先记录中提供的联系信息和/或由引导增强模块定位的附加合同信息来联系领先者中识别的个体。 引线增强模块还可以接收与来自一个或多个数据源的引线相关联的附加数据项。 另外，可以针对每个客户端定制的统计模型可以应用于与铅记录相关联的信息，以便确定每个潜在记录的一个或多个倾向得分，其中倾向得分指示个体将采取特定的可能性 行动，如购买特定商品或服务。

    CREDIT SCORE AND SCORECARD DEVELOPMENT
    48.
    发明申请
    CREDIT SCORE AND SCORECARD DEVELOPMENT 审中-公开
    信用评分和标准发展

    公开(公告)号：US20140012734A1

    公开(公告)日：2014-01-09

    申请号：US13777836

    申请日：2013-02-26

    申请人： Experian Marketing Solutions, Inc.

    发明人： Myles G. Megdal ,  Adam T. Kornegay ,  Angela Granger

    IPC分类号： G06Q40/02

    CPC分类号： G06Q40/025 ,  G06Q40/02 ,  G06Q40/08

    摘要： Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new applicant evaluation, and customer management across the lifecycle. The outputs can be used as attributes to consider in developing a credit bureau scorecard.

    摘要翻译： 电子钱包的份额（“SOW”）是一种建模方法，利用各种数据源提供描述消费者支出能力，交易历史，包括余额转移和余额信息的产出。 这些输出可以附加到客户和潜在客户的数据配置文件中，并可用于支持整个生命周期中涉及探矿，新的申请人评估和客户管理的决策。 在开发信用卡记分卡时，输出可以用作考虑的属性。

    USING COMMERCIAL SHARE OF WALLET TO COMPILE MARKETING COMPANY LISTS
    49.
    发明申请
    USING COMMERCIAL SHARE OF WALLET TO COMPILE MARKETING COMPANY LISTS 审中-公开
    使用电子商务分享到市场营销公司名录

    公开(公告)号：US20140012633A1

    公开(公告)日：2014-01-09

    申请号：US13761551

    申请日：2013-02-07

    申请人： EXPERIAN MARKETING SOLUTIONS, INC.

    发明人： Myles G. Megdal ,  Adam T. Kornegay ,  Angela Granger ,  Helen McMillan ,  Peter Bolin

    IPC分类号： G06Q10/06

    CPC分类号： G06Q10/06393 ,  G06Q30/0204 ,  G06Q40/02 ,  G06Q40/08

    摘要： Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Marketing companies that sell lists compile those lists by searching one or more databases for names and/or businesses that match certain criteria. Those marketing companies can use the CSoW/CSoSW modeling approach to show predicted spend and/or revenues for each company on a list. This makes the list more valuable to list buyers.

    摘要翻译： 消费钱包（“CSoSW”）的商业规模是包括现金在内的业务的总体业务支出，但不包括有条件的项目。 钱包的商业份额（“CSoW”）是由特定金融公司捕获的消费钱包的部分。 建模方法利用各种数据源来提供描述公司支出能力的输出。 销售列表的营销公司通过搜索符合特定标准的名称和/或企业的一个或多个数据库来编译这些列表。 这些营销公司可以使用CSoW / CSoSW建模方法来显示列表中每个公司的预计支出和/或收入。 这使列表更有价值，以列出买家。