INSTANT QUALIFICATION CROSS CHANNEL OFFER TARGETING

• US 20190325468A1
• Filed: 04/23/2018
• Published: 10/24/2019
• Est. Priority Date: 04/23/2018
• 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: NAGARAJAN, VENKATESH
• Granted Patent: US 11,587,102 B2
• Time in Patent Office: Days
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates

Abstract

A system for instant qualification cross channel offer targeting is disclosed. The system may receive a plurality of personally identifiable information (PII) elements from at least one of a customer device or an affiliate system. The system may determine a credit authorization state in response to the PII element. The system may receive a first request to generate an offer from at least one of the customer device or the affiliate system. The system may generate the offer in response to an offer optimization model, the credit authorization state, and the first request to generate an offer. The system may hash the plurality of PII elements and determine a unique hash based on the plurality of PII elements. The system may associate the unique hash to the offer and store the offer as offer data.

Claims

1. A method, comprising:

receiving, by a computer based system, a plurality of personally identifiable information (PII) elements from at least one of a customer device or an affiliate system;

determining, by the computer based system and via a credit decision engine, a credit authorization state in response to the PII element;

receiving, by the computer based system, a first request to generate an offer from at least one of the customer device or the affiliate system;

generating, by the computer based system and via an Intelligent Quotation (IQ) offering engine, the offer in response to an offer optimization model, the credit authorization state, and the first request to generate an offer;

hashing, by the computer based system and via a one way hashing algorithm, the plurality of PII elements and determining, by the computer based system, a unique hash based on the plurality of PII elements; and

associating, by the computer based system, the unique hash to the offer and storing, by the computer based system, the offer as offer data.

2. The method of claim 1, wherein the plurality of PII elements comprises at least one of a first name, a surname, a middle name, a middle initial, a primary address, or a portion of a social security number.

3. The method of claim 1, wherein the offer comprises at least one of an offer threshold or an offer category.

4. The method of claim 1, wherein the generating the offer further comprises:

storing, by the computer based system and via the IQ offering engine, an offer code defining the generated offer and a source code as offer data; and

associating, by the computer based system, the offer data to the unique hash.

5. The method of claim 1, wherein the determining the credit authorization state further comprises:

transmitting, by the computer based system and via the credit decision engine, the plurality of PII elements to a credit data system;

receiving, by the computer based system, a raw credit data from the credit data system; and

determining, by the computer based system, the credit authorization state as a function of the raw credit data.

6. The method of claim 1, further comprising:

transmitting, by the computer based system and via the IQ offering engine, the offer to at least one of the customer device or the affiliate system;

generating, by the computer based system, a customer interaction data based on the offer;

associating, by the computer based system, the unique hash to the customer interaction data; and

storing, by the computer based system, the customer interaction data as customer data.

7. The method of claim 6, further comprising:

receiving, by the computer based system, a second request to generate an offer from at least one of the customer device or the affiliate system,

wherein the second request to generate an offer comprises the plurality of PII elements;

hashing in response to the second request to generate an offer, by the computer based system and via the one way hashing algorithm, the plurality of PII elements;

determining, by the computer based system, the unique hash based on the plurality of PII elements;

fetching, by the computer based system, the offer associated with the unique hash; and

transmitting, by the computer based system and via the IQ offering engine, the offer to at least one of the customer device or the affiliate system.

8. The method of claim 7, further comprising altering, by the computer based system and via the IQ offering engine, the offer in response to the second request to generate an offer and an offer targeting rule.

9. A system comprising:

a processor,

a tangible, non-transitory memory configured to communicate with the processor,

the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising;

receiving, by the processor, a plurality of personally identifiable information (PII) elements from at least one of a customer device or an affiliate system;

determining, by the processor, a credit authorization state in response to the PII element;

receiving, by the processor, a first request to generate an offer from at least one of the customer device or the affiliate system;

generating, by the processor, the offer in response to an offer optimization model, the credit authorization state, and the first request to generate an offer;

hashing, by the processor, the plurality of PII elements and determining, by the processor, a unique hash based on the plurality of PII elements; and

associating, by the processor, the unique hash to the offer and storing, by the processor, the offer as offer data.

10. The system of claim 9, wherein the plurality of PII elements comprises at least one of a first name, a surname, a middle name, a middle initial, a primary address, or a portion of a social security number.

11. The system of claim 9, wherein the offer comprises at least one of an offer threshold or an offer category.

12. The system of claim 9, wherein the generating the offer further comprises:

storing, by the processor, an offer code defining the generated offer and a source code as offer data; and

associating, by the processor, the offer data to the unique hash.

13. The system of claim 9, wherein the determining the credit authorization state further comprises:

transmitting, by the processor, the plurality of PII elements to a credit data system;

receiving, by the processor, raw credit data from the credit data system; and

determining, by the processor, the credit authorization state as a function of the raw credit data.

14. The system of claim 9, further comprising:

transmitting, by the processor, the offer to at least one of the customer device or the affiliate system;

generating, by the processor, customer interaction data based on the offer;

associating, by the processor, the unique hash to the customer interaction data; and

storing, by the processor, the customer interaction data as customer data.

15. The system of claim 14, further comprising:

receiving, by the processor, a second request to generate an offer from at least one of the customer device or the affiliate system,

wherein the second request to generate an offer comprises the plurality of PII,

hashing in response to the second request to generate an offer, by the processor, the plurality of PII elements;

determining, by the processor, the unique hash based on the plurality of PII elements;

fetching, by the processor, the offer associated with the unique hash; and

transmitting, by the processor, the offer to at least one of the customer device or the affiliate system.

16. The system of claim 15, further comprising altering, by the processor, the offer in response to the second request to generate an offer and an offer targeting rule.

17. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer based system, cause the computer based system to perform operations comprising:

receiving, by the computer based system, a plurality of personally identifiable information (PII) elements from at least one of a customer device or an affiliate system;

determining, by the computer based system and via a credit decision engine, a credit authorization state in response to the PII element;

receiving, by the computer based system, a first request to generate an offer from at least one of the customer device or the affiliate system;

generating, by the computer based system and via an Intelligent Quotation (IQ) offering engine, the offer in response to an offer optimization model, the credit authorization state, and the first request to generate an offer;

hashing, by the computer based system and via a one way hashing algorithm, the plurality of PII elements and determining, by the computer based system, a unique hash based on the plurality of PII elements; and

associating, by the computer based system, the unique hash to the offer and storing, by the computer based system, the offer as offer data.

18. The article of manufacture of claim 17, wherein the operations further comprise

transmitting, by the computer based system and via the IQ offering engine, the offer to at least one of the customer device or the affiliate system;

generating, by the computer based system, customer interaction data based on the offer;

associating, by the computer based system, the unique hash to the customer interaction data; and

storing, by the computer based system, the customer interaction data as customer data.

19. The article of manufacture of claim 18, wherein the operations further comprise

receiving, by the computer based system, a second request to generate an offer from at least one of the customer device or the affiliate system,

wherein the second request to generate an offer comprises the plurality of PII;

hashing in response to the second request to generate an offer, by the computer based system and via the one way hashing algorithm, the plurality of PII elements;

determining, by the computer based system, the unique hash based on the plurality of PII elements;

fetching, by the computer based system, the offer associated with the unique hash; and

transmitting, by the computer based system and via the IQ offering engine, the offer to at least one of the customer device or the affiliate system.

20. The article of manufacture of claim 19, wherein the operations further comprise altering, by the computer based system and via the IQ offering engine, the offer in response to the second request to generate an offer and an offer targeting rule.