System And Method For Identifying Targeted Consumers Using Partial Social Security Numbers

• US 20090177480A1
• Filed: 01/07/2008
• Published: 07/09/2009
• Est. Priority Date: 01/07/2008
• Status: Abandoned Application

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Zhao, Wenbiao, Chen, Wenhan, Xu, Di W., Clements, John, Yuan, Chao
• Application Number:
  US11/970,356
• Publication Number:
  US 20090177480A1
• Time in Patent Office: Days
• US Class Current: 705/10
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0254 based on statistics
• CPC Class Codes: G06Q 50/32 Post and telecommunications franking apparatus G07B17/00
• CPC Class Codes: G06Q 50/60 Business processes related to postal services shipping G06Q10/083; franking apparatus G07B17/00

Abstract

A system and method are used to identify a targeted consumer. The system includes a partial social security number (SSN) system that identifies a partial SSN issued during a preselected time period and a marketing database system. The marketing database system receives a comparison result from a SSN matching system that identifies at least one individual in a consumer database having a partial SSN that matches the partial SSN identified by the partial SSN system. The marketing database system places identifying information of the at least one individual in a marketing database. In one method, an individual is identified as a targeted consumer based on the individual'"'"'s age being within a preselected age range and the individual'"'"'s social security number being issued within a predetermined social security number SSN issue date range. Identifying information of the targeted consumer is stored in a contact database, which a business may use to directly market its goods or services.

Claims

1. A method for identifying a targeted consumer, comprising the steps of:

identifying an individual as a targeted consumer at least based on the individual'"'"'s age being within a preselected age range and the individual'"'"'s social security number being issued within a predetermined social security number (SSN) issue date range; and

if the individual is identified as a targeted consumer, then storing identifying information of the targeted consumer in a contact database.

2. The method of claim 1, wherein the individual is identified as the targeted consumer if the individual'"'"'s social security number is issued during a time period when the individual'"'"'s age is within the preselected age range.

3. The method of claim 2, wherein the identifying the individual as a targeted consumer step comprises:

identifying a partial SSN having an issue date range within the predetermined SSN issue date range;

using the identified partial SSN to request a search of a consumer database for identifying a consumer in the database that has a partial SSN that matches the identified partial SSN; and

determining if the identified consumer has an age within the preselected age range so as to be the targeted consumer.

4. The method of claim 3, wherein the partial SSN is the first five digits of a SSN and wherein the age of the identified consumer is an estimated age or age range.

5. The method of claim 2, wherein the identifying the individual as a targeted consumer step comprises:

identifying a partial SSN having an issue date range within the predetermined SSN issue date range; and

using the identified partial SSN to request a search of a consumer database for identifying a consumer in the database that has a partial SSN that matches the identified partial SSN, wherein the database is composed substantially of consumers having an age within the preselected age range such that the identified consumer is the targeted consumer.

6. The method of claim 5, wherein the partial SSN is the first five digits of a SSN, and wherein the consumer database is a credit bureau database.

7. The method of claim 1, wherein the predetermined SSN issue date range corresponds to a group of social security numbers issued in a given U.S. state within the previous year and having common fourth and fifth digits.

8. The method of claim 1, wherein the identifying the individual as a targeted consumer step includes identifying an individual as a targeted consumer based on a measure of the individual'"'"'s creditworthiness and whether the individual'"'"'s social security number was issued during a time period when the individual'"'"'s age was within the preselected age range, wherein the preselected age range is 18 years of age and over.

9. The method of claim 2, wherein the preselected age range is 18 years of age and over.

10. A method for identifying a targeted consumer, comprising the steps of:

receiving a social security number (SSN) issue date range for a potential targeted consumer;

identifying the potential targeted consumer as a targeted consumer at least based on the age of the potential targeted consumer and the SSN issue date range of the potential targeted consumer; and

if the potential targeted consumer is identified as a targeted consumer, then storing identifying information of the targeted consumer in a contact database.

11. The method of claim 10, wherein the identifying step includes identifying a potential targeted consumer as a targeted consumer when the birth date of the potential targeted consumer precedes the SSN issue date range of the potential targeted consumer by a preselected time period, wherein the preselected time period is at least 18 years.

12. The method of claim 10, wherein the potential targeted consumer is a consumer listed in a credit bureau database that is composed substantially of consumers having an age of 18 years and over, wherein the identifying step includes identifying the potential targeted consumer as a targeted consumer when the SSN issue date range of the potential targeted consumer includes a time period within the previous year to the previous five years.

13. The method of claim 12, wherein the SSN issue date range of the potential targeted consumer is received from a credit bureau.

14. The method of claim 10, wherein the potential targeted consumer is identified to be a targeted consumer based on a measure of creditworthiness of the potential targeted consumer, the birth date of the potential targeted consumer, and the SSN issue date range of the potential targeted consumer.

15. The method of claim 14, wherein the identifying step includes identifying a potential targeted consumer to be a targeted consumer when the birth date of the potential targeted consumer precedes the SSN issue date range of the potential targeted consumer by a preselected time period of at least 18 years and when the potential targeted consumer is determined to be creditworthy.

16. The method of claim 14, wherein the potential targeted consumer'"'"'s birth date is an actual birth date, an estimated birth date, or an estimated birth date range.

17. The method of claim 10, further comprising:

providing marketing materials to the targeted consumer.

18. The method of claim 10, further comprising:

accepting an application by the targeted consumer for issuance of a financial transaction instrument.

19. A system for identifying a targeted consumer, comprising:

a SSN issue date system that receives a result from a SSN matching system of at least one individual in a consumer database and a respective SSN issue date range, wherein the consumer database is composed substantially of consumers having an age within a preselected age range, and wherein the SSN issue date system identifies at least one individual that has a SSN issue date range within a preselected time period; and

a marketing database system that receives the at least one individual identified by the SSN issue date system and places identifying information of at least one the at least one identified individuals in a marketing database.

20. The system of claim 19, wherein the marketing database system selects at least one individual identified by the SSN issue date system based on a measure of creditworthiness, wherein only the selected individuals are placed in the marketing database.

21. The system of claim 19, wherein the preselected age range is ages 18 years and over, and the consumer database is a credit bureau database.

22. A system for identifying a targeted consumer, comprising:

a partial SSN system that identifies a partial SSN issued during a preselected time period;

a SSN matching system that identifies at least one individual in a consumer database that matches the partial SSN identified by the partial SSN system and produces a comparison result; and

a marketing database system that receives the comparison result from the SSN matching system and places identifying information of the at least one individual in a marketing database.

23. The system of claim 22, wherein the preselected time period is the previous two years.

24. The system of claim 22, wherein the consumer database is composed substantially of consumers having an age within a preselected age range.

25. The system of claim 24, wherein the preselected age range is 18 years of age and over.