Multidimensional personal behavioral tomography

• US 20080091508A1
• Filed: 09/29/2006
• Published: 04/17/2008
• Est. Priority Date: 09/29/2006
• Status: Active Grant

• Current Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Rane, Rajendra, Juang, David, Fusillo, Iwao, Alvarez, Eduardo J.
• Granted Patent: US 9,087,335 B2
• Time in Patent Office: Days
• US Class Current: 705/7.33
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0203 Market surveys; Market polls
• CPC Class Codes: G06Q 30/0204 Market segmentation
• CPC Class Codes: G06Q 30/0205 Location or geographical consideration
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute

Abstract

A method and computer program product for identifying attributes of customers and potential customers, allowing marketing to be directed at such consumers. Information is received regarding each of a number of consumers. This information can include demographic information, data regarding spending habits, and information as to how such attributes may have changed over time. Once attributes have been determined, and any changes over time to such attributes have been determined, a correlation of the attributes is performed. Such combined attributes are denoted as composite dimensions. Given the composite dimensions, as well as attributes that may not have been correlated with any other attributes, consumers are plotted in the resulting multi-dimensional space. Sets of consumers that appear to be grouped in this multi-dimensional space are then identified. Common attributes of this consumer group are identified. Unique attributes of a given consumer in such a group are also identified.

Claims

1. A method of identifying consumer attributes, comprising:

(a) receiving consumer data;

(b) determining consumer attributes based on said data;

(c) determining change attributes based on said data;

(d) organizing said consumer attributes and said change attributes according to correlations of said consumer attributes and change attributes, to create a set of composite dimensions;

(e) grouping consumers according to location in said composite dimensions, to create one or more consumer groups;

(f) identifying common attributes of a consumer group; and

(g) identifying unique attributes of a consumer in said consumer group.

2. The method of claim 1, further comprising:

(h) directing marketing tactics at the consumer on the basis of one or more common attributes of the consumer group associated with the consumer.

3. The method of claim 1, further comprising:

(i) directing the marketing tactics at the consumer on the additional bases of one or more unique attributes of the consumer.

4. The method of claim 3, wherein said marketing tactics comprise targeted spending incentives.

5. The method of claim 3, wherein said marketing tactics comprised targeted advertising.

6. The method of claim 1, wherein the consumer data comprises spend data of the consumer.

7. The method claim 6, wherein the spend data is aggregated by time interval.

8. The method of claim 6, wherein the spend data is aggregated by merchant industry.

9. The method of claim 1, wherein the consumer data comprises demographic data of the consumer.

10. The method of claim 1, wherein the change attributes comprise extent and rates of change of consumer attributes.

11. A computer program product comprising a computer useable medium having control logic stored therein for causing a computer to identify consumer attributes, the computer control logic comprising:

first computer readable program code means for causing the computer to receive consumer data;

second computer readable program code means for causing the computer to determine consumer attributes based on said data;

third computer readable program code means for causing the computer to determine change attributes based on said data;

fourth computer readable program code means for causing the computer to organize said consumer attributes and said change attributes according to correlations of said consumer attributes and change attributes, to create a set of composite dimensions;

fifth computer readable program code means for causing the computer to group consumers according to location in said composite dimensions, to create one or more consumer groups;

sixth computer readable program code means for causing the computer to identify common attributes of a consumer group; and

seventh computer readable program code means for causing the computer to identify unique attributes of a consumer in said consumer group.

12. The computer program product of claim 11, wherein the consumer data comprises spend data of the consumer.

13. The computer program product of claim 12, wherein the spend data is aggregated by time interval.

14. The computer program product of claim 12, wherein the spend data is aggregated by merchant industry.

15. The computer program product of claim 11, wherein the consumer data comprises demographic data of the consumer.

16. The computer program product of claim 11, wherein the change attributes comprise extent and rates of change of consumer attributes.

17. A system for identifying consumer attributes, comprising:

a processor; and

a memory in communication with said processor, said memory for storing a plurality of processing instructions for directing said processor to;

receive consumer data;

determine consumer attributes based on said data;

determine change attributes based on said data;

organize said consumer attributes and said change attributes according to correlations of said consumer attributes and change attributes, to create a set of composite dimensions;

group consumers according to location in said composite dimensions, to create one or more consumer groups;

identify common attributes of a consumer group; and

identify unique attributes of a consumer in said consumer group.

18. The system of claim 17, wherein said consumer data comprises spend data of said consumer.

19. The system of claim 17, wherein said consumer data comprises demographic data of said consumer.

20. The system of claim 17, wherein said change attributes comprise extent and rates of change of consumer attributes.