PERMISSIONED USE PREDICTIVE INTERACTIONS
First Claim
Patent Images
1. A method of predictive Alpha Source product offerings, the method comprising:
- a verified User connects with Alpha Source server;
user'"'"'s Computing Devices interfaces with Alpha Source servers and create a Target List identifying User accounts at non Alpha Source;
User supplies or verifies account information to give Alpha Source access to User Records or to allow Alpha Source to request User Records from Targets;
Alpha Source, with express permission from User analyzes and filters obtained Records via rules and decsioning engines, software and algorithms;
User activity records are identified;
User Activity records are parsed into at least habit records and spending action records; and
,predictive models and analytics are applied to User Activity records to identify offers likely to be predictive of User wants, needs and likes.
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Abstract
Competition for Consumers in the marketplace is a billion dollar industry. Retention and acquisition of customers is important for many financial services entities. Disclosed herein is a system and method for a specific source to be permitted by a specific User to utilize computing devices and servers to acquire, parse, analyze and otherwise D-INE™ “data mine with permission” User Records which have been previously acquired and/or mined by third parties. Alpha Source in some instances applying its schemas to said User records utilizes its analysis to provided predictive information and offers to said User.
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Citations
14 Claims
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1. A method of predictive Alpha Source product offerings, the method comprising:
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a verified User connects with Alpha Source server; user'"'"'s Computing Devices interfaces with Alpha Source servers and create a Target List identifying User accounts at non Alpha Source; User supplies or verifies account information to give Alpha Source access to User Records or to allow Alpha Source to request User Records from Targets; Alpha Source, with express permission from User analyzes and filters obtained Records via rules and decsioning engines, software and algorithms; User activity records are identified; User Activity records are parsed into at least habit records and spending action records; and
,predictive models and analytics are applied to User Activity records to identify offers likely to be predictive of User wants, needs and likes. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method of predictive Alpha Source product offerings, the method comprising:
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a verified User connects with Alpha Source server; user'"'"'s Computing Devices interfaces with Alpha Source servers and create a Target List identifying User accounts at non Alpha Source. User supplies or verifies account information to give Alpha Source access to User Records or to allow Alpha Source to request User Records from Targets; Alpha Source, with express permission from User analyzes and filters obtained Records via rules and decsioning engines, software and algorithms; User activity records are identified; User Activity records are parsed into at least habit records and spending action records; and
,predictive models and analytics are applied to User Activity records to identify offers likely to be predictive or fit User wants, needs and likes. - View Dependent Claims (9, 10, 11, 12)
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13. A method of predictive analytics, the method comprising:
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an Alpha Source with user express permissions accesses User records from Targets; Alpha Source analyzes and filters obtained records via rules and decsioning engines, software and algorithms; User Activity records are parsed into at least habit records and spending action records; and
,predictive models and analytics are applied to one of User spending actions and habits to identify offers likely to be predictive or fit User wants, needs and likes. - View Dependent Claims (14)
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Specification