Information system with propensity modelling and profiling engine
First Claim
1. An information system comprising:
- a product database for storing data relating to products or services, a risk model database for storing data modelling the likelihood of an outcome in relation to the products or services, and a web server coupled to the product database and the risk model database, wherein the web server comprises;
means for providing web pages through which a user is able to express choices, query means for querying the product database in accordance with the user choices to provide a raw result set, filter means for providing a filtered result set by filtering the raw result set based on the risk model database to eliminate results not having a likelihood of a successful outcome, and display means for displaying the filtered result set.
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Abstract
An information system having various databases (30-40 and 50-52) for storing data relating to products or services, and risk data models or propensity models. A web server (48) provides web pages (20) through which a user is able to express choices, which result in querying the product database (32) to provide a raw result set, and filtering of the raw result set based on a risk model to eliminate results not having a likelihood of a successful outcome. The filtered result set is displayed. A propensity model database may be provided for storing data modelling the propensity of an outcome in relation to related products or services, e.g. based upon demographic or lifestyle data. A tracking tool may be used to define past behaviour of the user.
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Citations
23 Claims
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1. An information system comprising:
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a product database for storing data relating to products or services, a risk model database for storing data modelling the likelihood of an outcome in relation to the products or services, and a web server coupled to the product database and the risk model database, wherein the web server comprises;
means for providing web pages through which a user is able to express choices, query means for querying the product database in accordance with the user choices to provide a raw result set, filter means for providing a filtered result set by filtering the raw result set based on the risk model database to eliminate results not having a likelihood of a successful outcome, and display means for displaying the filtered result set. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. An information system comprising:
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a web server for serving web pages to an internet, the web server having means for delivering an applet or script to a browser of a user to capture user actions and means for retrieving the user actions from the applet or script, and a profiling engine for performing correlations on actions of users to thereby categorize users according to browsing actions. - View Dependent Claims (16, 17, 18, 21)
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19. An information system comprising a web server for serving web pages to an internet, the web server having means for delivering an applet or script to a browser of a user to capture user actions and means for retrieving the user actions from the applet or script, and
a profiling database having behaviour definitions stored therein, and having means for comparing captured user actions with behaviour definitions to categorize a user according to the user actions.
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23. An information system comprising means for receiving from a third party historical data describing the outcome of previous referrals, and means for refining a risk model using the historical data, wherein the risk model is used to control a filter to provide a filtered result set by filtering the raw result set based on the risk model database to eliminate selected results.
Specification