Multidimensional personal behavioral tomography

• US 9,916,594 B2
• Filed: 06/26/2015
• Issued: 03/13/2018
• Est. Priority Date: 09/29/2006
• 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: Rane, Rajendra, Juang, David, Alvarez, Eduardo J., Fasillo, Iwao
• Primary Examiner(s): Miller, Alan S
• Application Number:
  US14/752,590
• Publication Number:
  US 20150294336A1
• Time in Patent Office: 991 Days
• Field of Search: 705 711- 742
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0203 Market surveys; Market polls
• CPC Class Codes: G06Q 30/0204 Market segmentation
• CPC Class Codes: G06Q 30/0205 Location or geographical consideration
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute

Abstract

A method and computer program product for identifying attributes of customers and potential customers, allowing marketing to be directed at such consumers. Information is received regarding each of a number of consumers. This information can include demographic information, data regarding spending habits, and information as to how such attributes may have changed over time. Once attributes have been determined, and any changes over time to such attributes have been determined, a correlation of the attributes is performed. Such combined attributes are denoted as composite dimensions. Given the composite dimensions, as well as attributes that may not have been correlated with any other attributes, consumers are plotted in the resulting multi-dimensional space. Sets of consumers that appear to be grouped in this multi-dimensional space are then identified. Common attributes of this consumer group are identified. Unique attributes of a given consumer in such a group are also identified.

Claims

1. A method comprising:

organizing, by a computer based system, consumer attributes and change attributes according to correlations of the consumer attributes and the change attributes, to create a set of composite dimensions,

wherein the change attributes comprise trends,

wherein the change attributes comprise extent of change and rates of change of the consumer attributes;

wherein the composite dimensions are established based on a positive correlation between the consumer attributes and the change attributes;

plotting, by the computer based system, consumers relative to the set of composite dimensions on a multi-dimensional space;

grouping consumers, by the computer based system, according to location within the multidimensional space to create a consumer group within the multidimensional space; and

providing, by the computer based system, a chart that includes the plotting and the grouping.

2. The method of claim 1, further comprising directing, by the computer based system, marketing tactics at the consumer based on a common attribute of the consumer group associated with the consumer.

3. The method of claim 1, further comprising directing, by the computer based system, marketing tactics at the consumer on additional basis of a unique attribute of the consumer.

4. The method of claim 3, wherein the marketing tactics comprise targeted spending incentives.

5. The method of claim 3, wherein the marketing tactics comprise targeted advertising.

6. The method of claim 1, wherein the consumer attributes and the change attributes are determined based on received consumer data.

7. The method of claim 6, wherein the received consumer data is from a consumer survey.

8. The method of claim 6, wherein the received consumer data comprises demographic data of a consumer.

9. The method of claim 6, wherein the received consumer data comprises spend data of the consumer.

10. The method claim 9, wherein the spend data is aggregated by time interval.

11. The method of claim 9, wherein the spend data is aggregated by merchant industry.

12. The method of claim 1, further comprising identifying, by the computer based system, common attributes of the consumer group.

13. The method of claim 1, further comprising identifying, by the computer based system, unique attributes of the consumer in the consumer group.

14. A computer based system, comprising:

a computer network communicating with a memory;

the memory communicating with a processor, and

the processor, when executing a computer program is configured to perform the following operations;

organizing, by the processor, consumer attributes and change attributes according to correlations of the consumer attributes and the change attributes, to create a set of composite dimensions,

wherein the change attributes comprise trends,

wherein the change attributes comprise extent of change and rates of change of the consumer attributes;

wherein the composite dimensions are established based on a positive correlation between the consumer attributes and the change attributes;

plotting, by the processor, consumers relative to the set of composite dimensions on a multi-dimensional space;

grouping consumers, by the processor, according to location within the multidimensional space to create a consumer group within the multidimensional space; and

providing, by the processor, a chart that includes the plotting and the grouping.

15. The system of claim 14, further comprising directing, by the computer based system, marketing tactics at the consumer based on a common attribute of the consumer group associated with the consumer.

16. The system of claim 14, wherein the consumer attributes and the change attributes are determined based on received consumer data.

17. The system of claim 16, wherein the received consumer data is from a consumer survey.

18. The system of claim 16, wherein the received consumer data comprises demographic data of a consumer.

19. The system of claim 16, wherein the received consumer data comprises spend data of the consumer.

20. A non-transitory computer-readable storage medium having stored thereon a plurality of instructions, when executed by a computer based system, are configured to cause the computer based system to perform operations comprising:

organizing, by the computer based system, consumer attributes and change attributes according to correlations of the consumer attributes and the change attributes, to create a set of composite dimensions,

wherein the change attributes comprise trends,

wherein the change attributes comprise extent of change and rates of change of the consumer attributes;

wherein the composite dimensions are established based on a positive correlation between the consumer attributes and the change attributes;

plotting, by the computer based system, consumers relative to the set of composite dimensions on a multi-dimensional space;

grouping consumers, by the computer based system, according to location within the multidimensional space to create a consumer group within the multidimensional space; and

providing, by the computer based system, a chart that includes the plotting and the grouping.