Automated analysis of data to generate prospect notifications based on trigger events
First Claim
1. A computer system comprising:
- a first computer storage dynamically receiving and storing information about credit-related activities of over one hundred million consumers;
a second computer storage configured to store a plurality of snapshots of credit information from the first computer storage, the plurality of snapshots of credit information periodically updated and verified for accuracy, and merged with other information not stored in the first computer storage; and
a trigger notification system in electronic communication with the first computer storage and the second computer storage, the trigger notification system configured to;
receive a first client'"'"'s pre-screen criteria data file defining non-customer consumers qualifying for a firm offer of credit from the first client;
receive the first client'"'"'s trigger events file comprising indications of events that are indicative of consumers actively seeking credit provided by the first client;
apply the first client'"'"'s pre-screen criteria data file to a first snapshot of the plurality of snapshots to generate a first subset of non-customer consumers from the over one hundred million consumers satisfying the first client'"'"'s pre-screen criteria;
monitor updates to the credit-related activities of the first subset of non-customer consumers in the first computer storage;
identify one or more first updates associated with the first client'"'"'s trigger events file for the first subset of non-customer consumers;
automatically generate a first electronic notification configured to be sent electronically to a system accessible by the first client about the identified one or more first updates for transmitting a firm offer of credit to at least one first non-customer consumer associated with at least one of the identified first updates;
apply the first client'"'"'s pre-screen criteria data file to a second updated snapshot of the plurality of snapshots to generate a second subset of non-customer consumers from the over one hundred million consumers satisfying the first client'"'"'s pre-screen criteria, the second subset different from the first subset;
monitor updates to the credit-related activities of the second subset of non-customer consumers in the first computer storage;
identify one or more second updates associated with the first client'"'"'s trigger events file for the second subset of non-customer consumers; and
automatically generate an electronic notification configured to be sent electronically to the system accessible by the first client about the identified one or more second updates for transmitting a firm offer of credit to at least one second non-customer consumer associated with at least one of the identified second updates.
2 Assignments
0 Petitions
Accused Products
Abstract
Systems and methods are described for identifying a subset of interest from a general population and for monitoring a database of daily activity logs associated with the general population in order to identify database entries indicative of an occurrence of a pre-defined trigger event that is associated with a member of the subset of interest. In particular, systems and methods are described that allow a massive database of daily activity logs to be monitored to identify trigger events that have occurred within the past twenty-four hours or other very recent time period. Embodiments are described that may be advantageously used by a provider of credit-related products and/or services who wishes to accurately target prospective customers, identified by the system, based on occurrence of a trigger event, as being in a decision-making phase of credit shopping, for purposes of making a timely and targeted offering relevant to the customers'"'"' current activities.
-
Citations
20 Claims
-
1. A computer system comprising:
-
a first computer storage dynamically receiving and storing information about credit-related activities of over one hundred million consumers; a second computer storage configured to store a plurality of snapshots of credit information from the first computer storage, the plurality of snapshots of credit information periodically updated and verified for accuracy, and merged with other information not stored in the first computer storage; and a trigger notification system in electronic communication with the first computer storage and the second computer storage, the trigger notification system configured to; receive a first client'"'"'s pre-screen criteria data file defining non-customer consumers qualifying for a firm offer of credit from the first client; receive the first client'"'"'s trigger events file comprising indications of events that are indicative of consumers actively seeking credit provided by the first client; apply the first client'"'"'s pre-screen criteria data file to a first snapshot of the plurality of snapshots to generate a first subset of non-customer consumers from the over one hundred million consumers satisfying the first client'"'"'s pre-screen criteria; monitor updates to the credit-related activities of the first subset of non-customer consumers in the first computer storage; identify one or more first updates associated with the first client'"'"'s trigger events file for the first subset of non-customer consumers; automatically generate a first electronic notification configured to be sent electronically to a system accessible by the first client about the identified one or more first updates for transmitting a firm offer of credit to at least one first non-customer consumer associated with at least one of the identified first updates; apply the first client'"'"'s pre-screen criteria data file to a second updated snapshot of the plurality of snapshots to generate a second subset of non-customer consumers from the over one hundred million consumers satisfying the first client'"'"'s pre-screen criteria, the second subset different from the first subset; monitor updates to the credit-related activities of the second subset of non-customer consumers in the first computer storage; identify one or more second updates associated with the first client'"'"'s trigger events file for the second subset of non-customer consumers; and automatically generate an electronic notification configured to be sent electronically to the system accessible by the first client about the identified one or more second updates for transmitting a firm offer of credit to at least one second non-customer consumer associated with at least one of the identified second updates. - View Dependent Claims (2, 3, 4, 5, 6)
-
-
7. A computer-implemented method comprising:
-
dynamically receiving and storing, in a first computer storage, information about credit-related activities of over one hundred million consumers; storing, in a second computer storage, a plurality of snapshots of credit information from the first computer storage, the plurality of snapshots of credit information periodically updated and verified for accuracy, and merged with other information not stored in the first computer storage; receiving, at a trigger notification system in electronic communication with the first computer storage and the second computer storage, a first client'"'"'s pre-screen criteria data file defining non-customer consumers qualifying for a firm offer of credit from the first client; receiving, at the trigger notification system, the first client'"'"'s trigger events file comprising indications of events that are indicative of consumers actively seeking credit provided by the first client; applying, by the trigger notification system, the first client'"'"'s pre-screen criteria data file to a first snapshot of the plurality of snapshots to generate a first subset of non-customer consumers from the over one hundred million consumers satisfying the first client'"'"'s pre-screen criteria; monitoring, by the trigger notification system, updates to the credit-related activities of the first subset of non-customer consumers in the first computer storage; identifying, by the trigger notification system, one or more first updates associated with the first client'"'"'s trigger events file for the first subset of non-customer consumers; automatically generating, by the trigger notification system, a first electronic notification to be sent electronically to a system accessible by the first client about the identified one or more first updates for transmitting a firm offer of credit to at least one first non-customer consumer associated with at least one of the identified first updates; applying, by the trigger notification system, the first client'"'"'s pre-screen criteria data file to a second snapshot of the plurality of snapshots to generate a second subset of non-customer consumers from the over one hundred million consumers satisfying the first client'"'"'s pre-screen criteria; monitoring, by the trigger notification system, updates to the credit-related activities of the second subset of non-customer consumers in the first computer storage; identifying, by the trigger notification system, one or more second updates associated with the first client'"'"'s trigger events file for the second subset of non-customer consumers; and automatically generating, by the trigger notification system, a second electronic notification to be sent electronically to the system accessible by the first client about the identified one or more second updates for transmitting a firm offer of credit to at least one second non-customer consumer associated with at least one of the identified second updates. - View Dependent Claims (8, 9, 10, 11, 12)
-
-
13. A non-transitory computer readable medium for trigger notification, comprising:
-
program instructions for dynamically receiving and storing, in a first computer storage, information about credit-related activities of over one hundred million consumers; program instructions for storing, in a second computer storage, a plurality of snapshots of credit information from the first computer storage, the plurality of snapshots of credit information periodically updated and verified for accuracy, and merged with other information not stored in the first computer storage; program instructions for receiving, at a trigger notification system in electronic communication with the first computer storage and the second computer storage, a first client'"'"'s pre-screen criteria data file defining non-customer consumers qualifying for a firm offer of credit from the first client; program instructions for receiving, at the trigger notification system, the first client'"'"'s trigger events file comprising indications of events that are indicative of consumers actively seeking credit provided by the first client; program instructions for applying, by the trigger notification system, the first client'"'"'s pre-screen criteria data file to a first snapshot of the plurality of snapshots to generate a first subset of non-customer consumers from the over one hundred million consumers satisfying the first client'"'"'s pre-screen criteria; program instructions for monitoring, by the trigger notification system, updates to the credit-related activities of the first subset of non-customer consumers in the first computer storage; program instructions for identifying, by the trigger notification system, one or more first updates associated with the first client'"'"'s trigger events file for the first subset of non-customer consumers; program instructions for automatically generating, by the trigger notification system, a first electronic notification to be sent electronically to a system accessible by the first client about the identified one or more first updates for transmitting a firm offer of credit to at least one first non-customer consumer associated with at least one of the identified first updates; program instructions for applying, by the trigger notification system, the first client'"'"'s pre-screen criteria data file to a second snapshot of the plurality of snapshots to generate a second subset of non-customer consumers from the over one hundred million consumers satisfying the first client'"'"'s pre-screen criteria; program instructions for monitoring, by the trigger notification system, updates to the credit-related activities of the second subset of non-customer consumers in the first computer storage; program instructions for identifying, by the trigger notification system, one or more second updates associated with the first client'"'"'s trigger events file for the second subset of non-customer consumers; program instructions for automatically generating, by the trigger notification system, a second electronic notification to be sent electronically to the system accessible by the first client about the identified one or more second updates for transmitting a firm offer of credit to at least one second non-customer consumer associated with at least one of the identified second updates. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20)
-
Specification