Methods and systems for accessing multi-dimensional customer data
First Claim
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1. A method for providing to an end user, multi-dimensional customer profiles, allowing the end user to effectively manage customer targeting, said method comprising the steps of:
- compiling data from multiple sources to create a relational database;
using tools to model the relational database and produce a first modeling result including at least one marketing model and at least one risk model for a customer, wherein the at least one marketing model includes a net present value/profitability model, a prospect pool model, a net conversion model, an attrition model, a response model, a revolver model, a balance transfer model, and a reactivation model, the tools include non-statistical tools including artificial intelligence;
using the tools to compare the first modeling result to prior modeling results, and then select a modeling result to facilitate customer targeting;
scoring the modeled database using the selected modeling result;
integrating scores into a multi-dimensional structure; and
providing access to end users to the multi-dimensional structure.
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Abstract
Methods and systems for modeling customer data into a multi-dimensional structure for access to enable efficient customer targeting are described. The method includes the steps of compiling data from multiple sources to create a relational database, using tools to model data within the relational database, scoring the modeled data, integrating scores into a multi-dimensional structure and providing access to end users to the multi-dimensional structure.
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Citations
28 Claims
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1. A method for providing to an end user, multi-dimensional customer profiles, allowing the end user to effectively manage customer targeting, said method comprising the steps of:
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compiling data from multiple sources to create a relational database;
using tools to model the relational database and produce a first modeling result including at least one marketing model and at least one risk model for a customer, wherein the at least one marketing model includes a net present value/profitability model, a prospect pool model, a net conversion model, an attrition model, a response model, a revolver model, a balance transfer model, and a reactivation model, the tools include non-statistical tools including artificial intelligence;
using the tools to compare the first modeling result to prior modeling results, and then select a modeling result to facilitate customer targeting;
scoring the modeled database using the selected modeling result;
integrating scores into a multi-dimensional structure; and
providing access to end users to the multi-dimensional structure. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A system configured to provide to an end user, multi-dimensional customer profiles, allowing the end user to effectively manage customer targeting, said system comprising:
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at least one computer;
a server configured to compile data from multiple sources to create a relational database, use tools including artificial intelligence to model data within the relational database and produce a first modeling result including at least one marketing model and at least one risk model, use tools to compare the first modeling result to prior modeling results and then select a modeling result to facilitate customer targeting, score the modeled data using the selected modeling results, integrate the scores into a multi-dimensional structure and provide access to the multi-dimensional structure, wherein the at least one risk model includes a payment behavior prediction model, a delinquency model, a bad debt model, a fraud detection model, a bankruptcy model, and a hit and run model; and
a network connecting said computer to said server. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28)
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Specification