Method, system, and computer program product for linking customer information

• US 9,324,087 B2
• Filed: 10/04/2012
• Issued: 04/26/2016
• Est. Priority Date: 09/30/2005
• Status: Expired due to Fees

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: III Holdings 1, LLC
• Inventors: Weissman, Mary, Mata, Ann Shelley, Routson, Nicholas K.
• Primary Examiner(s): Alam, Hosain
• Assistant Examiner(s): Allen, Nicholas
• Application Number:
  US13/644,462
• Publication Number:
  US 20130031109A1
• Time in Patent Office: 1,300 Days
• US Class Current: 1/1
• CPC Class Codes: G06F 16/211 Schema design and management
• CPC Class Codes: G06Q 30/01 Customer relationship services
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety

Abstract

In a business where a database tracks customers and manages customer accounts, a method and system correctly link accounts with customers. The method entails reading customer information for a first customer and for a second customer, and then utilizing personal identification information obtained from other sources to determine if the first customer is the same as the second customer. If the first customer and the second customer are the same person, the first customer and the second customer are identified as being the same unique person. Accounts associated with the two customers are identified as belonging to the same unique person. Viewed another way, the method and system of the present invention takes an existing database of personal identification information, and cross-references that database against other sources of personal identification information to identify persons who appear to be separate persons, but who are actually one and the same individual.

Claims

1. A method comprising:

identifying, by a computing system, a first customer account and a second customer account, wherein customer account data lists the first customer account and the second customer account as belonging to different customers;

conducting, by the computing system, a search of at least one external third-party database to obtain personal identification information associated with the first customer account and the second customer account;

comparing, by the computing system, the customer account data associated with the first customer account and the second customer account with the personal identification information associated with the first customer account and the second customer account;

determining, by the computing system, based on the comparing the customer account data with the personal identification information, that the first customer account and the second customer account actually belong to a single customer; and

associating, by the computing system, the first customer account and the second customer account with an identifier associated with the single customer.

2. The method of claim 1, wherein identifying the first customer account and the second customer account further comprises:

performing, by the computing system, an analysis of the customer account data and the personal identification information according to a first set of linking rules; and

creating, by the computing system, a recommendation to link the first customer account with the second customer account based on the analysis, wherein associating the first customer account and the second customer account with the identifier is based on the recommendation.

3. The method of claim 2, wherein identifying the first customer account and the second customer account further comprises:

performing, by the computing system, a validation of the recommendation according to a second set of linking rules; and

determining, by the computing system, whether to modify the recommendation based on the validation.

4. The method of claim 1, wherein the conducting the search further comprises:

generating, by the computing system, a search query based on the customer account data;

sending, by the computing system, the search query to the external third-party database; and

receiving, by the computing system, the personal identification information from the external third-party database in response to the search query.

5. The method of claim 1, further comprising:

identifying, by the computing system, a third customer account wherein the customer account data lists the third customer account as belonging to a different customer from the first customer account and from the second customer account;

comparing, by the computing system, the customer account data with personal identification information associated with the single customer;

determining, by the computing system, based on comparing the customer account data with the personal identification information, that the third customer account actually belongs to the single customer; and

associating, by the computing system, the third customer account with the identifier.

6. The method of claim 1, wherein the personal identification information includes a name of the single customer, a home address of the single customer, a business address of the single customer, a social security number of the single customer, a date of birth of the single customer, a home phone number of the single customer, a business phone number of the single customer, a cell phone number of the single customer, an e-mail address of the single customer, a driver'"'"'s license number of the single customer, or any combination thereof.

7. The method of claim 1, further comprising, in response to associating the first customer account and the second customer account with the identifier, initiating, by the computing system, consolidation of first customer account data associated with the first customer account with second customer account data associated with the second customer account.

8. The method of claim 1, further comprising, after associating the first customer account and the second customer account with the identifier:

receiving, by the computing system, a request to modify first customer account data associated with the first customer account; and

in response to the request, modifying, by the computing system, second customer account data associated with the second customer account.

9. The method of claim 1, wherein comparing the customer account data with the personal identification information comprises:

detecting, by the computing system, from the personal identification information and from the customer account data, first customer identification information corresponding to the first customer account and second customer identification information corresponding to the second customer account; and

determining, by the computing system, whether the first customer identification information matches the second customer identification information.

10. The method of claim 9, wherein comparing the customer account data with the personal identification information comprises:

detecting, by the computing system, from the personal identification information and from the customer account data, third customer identification information corresponding to the first customer account and fourth customer identification information corresponding to the second customer account; and

determining, by the computing system, whether the third customer identification information matches the fourth customer identification information.

11. The method of claim 4, wherein the external third-party database includes United States Postal Service data, consumer credit data, marketing data, demographic data, survey data, one or more telephone directories, public record files, court record files, or any combination thereof.

12. An article of manufacture including a non-transitory computer readable medium having instructions stored thereon that, in response to execution by a computer system, cause the computer system to carry out operations comprising:

conducting a search of at least one external database to obtain personal identification information associated with record data including a first record and a second record;

comparing the record data with the personal identification information;

identifying the first record and the second record based on comparing the record data and the personal identification information, wherein the record data lists the first record and the second record as corresponding to different individuals, and wherein the personal identification information indicates that the first record and the second record correspond to a single individual;

determining that the first record and the second record correspond to the single individual; and

associating the first record and the second record with an identifier that is associated with the single individual.

14. The article of manufacture of claim 12, wherein the first record corresponds to a first customer account, and wherein the second record corresponds to a second customer account.

15. The article of manufacture of claim 12, wherein the first record and the second record correspond to law enforcement records.

16. The article of manufacture of claim 12, wherein the operations further comprise:

receiving the first record from a first municipality; and

generating the second record, wherein the second record corresponds to a second municipality.

13. A system comprising:

at least one processor; and

a non-transitory memory having instructions stored thereon that, in response to execution by the at least one processor, cause the system to perform operations comprising;

conducting a search of at least one external database to obtain personal identification information associated with customer account data including a first customer account and a second customer account;

comparing the customer account data with the personal identification information;

determining, based on comparing the customer account data with the personal identification information, that the first customer account and the second customer account actually belong to a single customer, wherein the customer account data lists the first customer account and the second customer account as belonging to different customers; and

associating the first customer account and the second customer account with an identifier that is associated with the single customer.

17. The system of claim 13, wherein associating the first customer account and the second customer account with the identifier comprises storing the identifier as part of the customer account data associated with the first customer account and the customer account data associated with the second customer account.

18. The system of claim 13, wherein the identifier comprises a persistent ID that is unique to the single customer.

19. The system of claim 13, wherein the personal identification information corresponds to data received based on a communication from the single customer that indicates that the first customer account should be linked with the second customer account.

20. The system of claim 13, wherein the operations further comprise:

after associating the first customer account and the second customer account with the identifier, in response to a communication from the single customer that indicates that the second customer account should not be linked to the first customer account, disassociating the second customer account with the identifier.