Method and System for Determining a Next Best Offer
First Claim
1. A system for determining a next best offer, comprising:
- a. a data layer comprising a plurality of data sources concerning a plurality of consumers;
b. a known consumer data hub in communication with the data layer, wherein the known consumer data hub comprises a plurality of known records each pertaining to one of the plurality of consumers wherein each record comprises a consumer link;
c. an anonymous consumer data hub in communication with the data layer, wherein the anonymous data hub comprises a plurality of anonymous records each pertaining to one of the plurality of consumers wherein each record comprises an anonymous link; and
d. a decision engine in communication with each of the known consumer data hub and the anonymous consumer data hub.
3 Assignments
0 Petitions
Accused Products
Abstract
A method and system for determining a next best offer utilizes a data layer, two consumer data hubs, and a decision engine. The data layer includes numerous sources of consumer data, such as transaction data, past campaign response data, demographic data, predictive or propensity data, and real-time data such as website clickstreams. Separate consumer data hubs are used for data records that include personally identifiable information (PII) and those that do not. By using separate data hubs in this manner, online anonymous data may be used for targeting marketing, but this data may be maintained separately from PII data in order to ensure that the privacy of the consumer is protected.
-
Citations
16 Claims
-
1. A system for determining a next best offer, comprising:
-
a. a data layer comprising a plurality of data sources concerning a plurality of consumers; b. a known consumer data hub in communication with the data layer, wherein the known consumer data hub comprises a plurality of known records each pertaining to one of the plurality of consumers wherein each record comprises a consumer link; c. an anonymous consumer data hub in communication with the data layer, wherein the anonymous data hub comprises a plurality of anonymous records each pertaining to one of the plurality of consumers wherein each record comprises an anonymous link; and d. a decision engine in communication with each of the known consumer data hub and the anonymous consumer data hub. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
-
-
13. A computer-implemented method for determining a next best offer, comprising the steps of:
-
a. receiving at a decision engine at a marketing services provider (MSP) a request to construct a next best offer comprising a marketing message; b. determining whether the request comprises personally identifiable information (PII); c. accessing a known consumer data hub from the decision engine if PII is used in the next best offer request, or accessing an anonymous consumer data hub from the decision engine if PII is not used in the next best offer request; and d. delivering the marketing message to a marketing channel in communication with a consumer device. - View Dependent Claims (14, 15, 16)
-
Specification