EP1334455A4 - Systemes et procedes de creation et de gestion de sollicitations - Google Patents

Systemes et procedes de creation et de gestion de sollicitations

Info

Publication number
EP1334455A4
EP1334455A4 EP01981433A EP01981433A EP1334455A4 EP 1334455 A4 EP1334455 A4 EP 1334455A4 EP 01981433 A EP01981433 A EP 01981433A EP 01981433 A EP01981433 A EP 01981433A EP 1334455 A4 EP1334455 A4 EP 1334455A4
Authority
EP
European Patent Office
Prior art keywords
solicitation
rules base
response
rules
requirement
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP01981433A
Other languages
German (de)
English (en)
Other versions
EP1334455A1 (fr
Inventor
Samuel Harvey Baker Iv
Bradford Ray Swiger
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Capital One Financial Corp
Original Assignee
Capital One Financial Corp
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Capital One Financial Corp filed Critical Capital One Financial Corp
Publication of EP1334455A1 publication Critical patent/EP1334455A1/fr
Publication of EP1334455A4 publication Critical patent/EP1334455A4/fr
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates generally to systems and methods for creating and managing solicitations. More particularly, the present invention relates to systems and methods for creating and managing solicitations by using rules of previous solicitations that are common to those of the new solicitation.
  • Financial institutions including those offering credit card accounts or financial loans, market their products and services in a number of different ways, such as through the use of solicitations. For example, an institution will identify a select group of recipients, and then send a solicitation to each recipient asking whether the recipient is interested in a particular product or service. As stated previously, with a financial institution, the product or service which is the focus of the solicitation is often a credit card account or a financial loan.
  • the first step is to determine a specific market to which the solicitation is to be directed.
  • a solicitation can be designed which will have a higher probability of effectiveness. For instance, a generic campaign geared to all members of the general public may appear bland and not catch the attention of the recipient. However, if information about the recipient can be obtained prior to sending the solicitation, then the solicitation can be tailored to make it more appealing to that recipient.
  • a financial institution may determine that it wants to solicit a group of individuals who have never had credit before. If the solicitation effectively takes this factor into account, then the probability of receiving responses to this solicitation may be higher. As another example, a solicitation may be sent to members of a university alumni association. By including a credit card embossed with the school's mascot, the probability of receiving responses is likely to be higher than if a generic credit card was sent.
  • solicitations geared toward the wants, needs, and desires of a particular recipient group will enhance the probability of receiving a response from the solicitation. More particularly, the , more detailed the solicitation, the higher the probability of receiving a response.
  • the probability of receiving a response is higher.
  • One solution to the solicitation management problem is to use an applications processor comprising a rules engine to create and process each solicitation.
  • Each rule defines a particular feature of the product or service offered by the solicitation, and is used when creating the solicitation.
  • the applications processor encodes each rule of each solicitation and automatically creates the solicitation.
  • encoding every rule for every solicitation each time a solicitation is created is extremely time consuming and burdensome.
  • Systems and methods consistent with the present invention allow users to efficiently create and manage a variety of different solicitations by using rules of previous solicitations that are common to those of the new solicitation being created.
  • a system and method for managing a solicitation directed to a member of a predefined population.
  • the system and method determines a rules base for the solicitation, wherein the rules base defines particular features of said solicitation.
  • the system then sends the solicitation to the member and receives a response to the solicitation from the member.
  • the system analyzes the response in accordance with the rules base to determine whether to make an offer to the member.
  • FIG. 1 is a functional block diagram of a solicitation management system consistent with the present invention
  • FIG. 2 is a flow chart of a solicitation management method consistent with the present invention
  • FIG. 3 is a flow chart of a method, used in the method of FIG. 2, for defining solicitation and the market to which it will be directed;
  • FIG. 4 is a flow chart of a method, used in the method of FIG. 3, for creating a solicitation
  • FIG. 5 is a flow chart of a method, used in the method of FIG. 4, for creating new rules for a new solicitation
  • FIGs. 6 and 7 are screen shots of a graphical user interface of a solicitation management system consistent with the present invention.
  • Systems and methods consistent with the present invention create and manage solicitations, such as credit card solicitations sent by a financial institution. For each newly created solicitation, the system creates a new set of rules by automatically identifying and copying rules from previously prepared solicitations that have rules identical to those of the new solicitation. In this way, the system creates a rules base for the new solicitation.
  • the rules base defines the format and content of the new solicitation and defines a process used when analyzing a response to that solicitation.
  • the system uses a graphical user interface (GUI) to identify the previously stored rules.
  • GUI graphical user interface
  • the system also indexes the stored rules according to their function, allowing a user to easily locate and copy rules from past solicitations to be used in future solicitations.
  • the system then uses the rules base to create the solicitation and to manage the sending and processing of responses to the solicitation as well.
  • FIG. 1 shows a block diagram of a solicitation management system 100 consistent with the present invention.
  • Solicitation management system 100 includes an applications processor 110, a solicitation management processor 120, and a rules database 130. Further, solicitation management system 100 may be implemented using any type of computer, such as a hand-held device, a minicomputer, a personal computer, a mainframe computer, or the like. System 100 may also use a distributed computer network, where tasks are performed at remote locations.
  • System 100 may send the solicitation and receive responses to the solicitation using either regular mail, e-mail, facsimile, the internet, or an interactive voice response system.
  • An interactive voice response system (IVR) is an automated telephone answering system that responds with a voice menu and allows the user to make choices and enter information via the keypad. IVR systems are widely used in call centers and also as a replacement for human switchboard operators.
  • the system 100 may send the solicitation using out bound telemarketing or media such as newspapers or television.
  • the system 100 may also integrate database access and fax response.
  • the applications processor 110 is a rules engine that performs decisioning and limit logic to process solicitations.
  • the applications processor 110 receives responses to the solicitation from recipients to which it was sent.
  • processor 110 identifies an identification tag, included in the response and which identifies a rules base associated with the particular solicitation.
  • the applications processor 110 uses the identification tag to locate the corresponding rules base stored in rules database 130 and then analyzes the response in accordance with the rules base.
  • the applications processor 110 preferably receives rules associated with the rules base in the form of a plurality of tables.
  • the solicitation management processor 120 manages the code processed by the applications processor 110 by using rules of previously prepared solicitations.
  • the solicitation management processor 120 uses a GUI to define the decisioning and limit logic that is contained and carried out in the applications processor 110.
  • the solicitation management processor 120 defines a rules base that defines particular features of a corresponding solicitation.
  • the GUI incorporates drag and drop features, icons, and pull-down menus, and preferably uses a mouse.
  • the GUI may either be a Windows, Macintosh, or Motif GUI, and, in a client/server environment, preferably resides on the client terminal.
  • the drag and drop feature of the GUI allows the user to perform operations by moving the icon of an object with the mouse into another window or onto another icon.
  • the GUI can copy or move files when they are dragged from one folder to another.
  • the GUI can execute programs by dragging and dropping.
  • To print a document an icon of the document is dragged to overlay the icon for the printer.
  • Drag and drop is essential for graphics applications where one needs to position text and images on the page or on top of each other.
  • drag and drop options can be used for copying and moving files, these operations- can also be done in other ways, such as by using the pull-down menus.
  • the rules database 130 stores all data and programming modules of the solicitation management system 100. For example, rules database 130 stores the solicitations previously sent, along with the rules base associated with each solicitation. Each rules base contains an indexed set of rules, with each defining particular features of the corresponding solicitation. In addition, the rules database 130 contains the names, addresses, and other data submitted by recipients, as well as determinations of whether to offer an account to the recipient.
  • FIG. 2 is a flow chart of a solicitation management method 200 consistent with the present invention.
  • FIGS. 3, 4, and 5 further describe particular steps of method 200.
  • Method 200 begins by defining solicitation and the market for the solicitation (steps 205 and 210).
  • the market for the solicitation is basically a pre-defined population of recipients to which the product or service offered by the solicitation is to be marketed.
  • Step 210 is described in greater detail below in reference to FIG. 3.
  • the solicitation is then sent to each member of the pre-defined population (step 215).
  • An ID tag of the rules base associated with the solicitation also accompanies the sent solicitation. As described in greater detail below, the ID tag is an index that identifies the solicitation and its corresponding rules base.
  • the recipients of the solicitation determine whether to respond to the solicitation (step 220). Recipients of the solicitation who decide to respond will provide information requested by the solicitation, and then return that information in the form of a response (step 225). For example, the response may include whether the recipient desires the offered product or sen/ice, as well as the recipient's name and address, phone number, social security number, employer, annual income, and the like. The response also includes the ID tag indicating the rules base associated with the solicitation. After the response is received (step 230), the information of the response is then forwarded to the applications processor 110 (step 235).
  • the applications processor 110 then obtains the rules base associated with the solicitation from the solicitation management processor 120 (step 240). In particular, the applications processor 110 passes the ID tag indicating the rules base associated with the solicitation to the solicitation management processor 120. The solicitation management processor 120 then, queries the rules database 130 with the ID tag for the proper rules base corresponding to the received solicitation. After the proper rules base has been located, the solicitation management processor 120 sends the rules base, preferably in a table format, to the applications processor 110. With the data and the proper rules base now loaded, the applications processor 110 may analyze the data of the received response.
  • the applications processor 110 analyzes the response based on the particular rules contained in the rules base (step 245).
  • this analysis may determine the credit worthiness of the recipient or the type of service features to offer the recipient.
  • Rules used in this analysis may include a rule defining that incorrect information in the response (e.g., an invalid Social Security Number), determined by comparing the information of the response with data from a commercially available database, indicates a high level of risk in offering the product or service.
  • a rule may also instruct processor 110 to use the recipient's credit history to determine the credit limit on an offered credit card.
  • system 100 determines whether to make an offer based upon the analysis outcome (step 250). This determination can be automatically performed or can be accomplished by user intervention. A hybrid process can also be implemented, such as by allowing the applications processor 110 to make the determination for a first outcome of the analysis and require user intervention for a second outcome. Once the analysis is complete, method 200 ends (step 255).
  • FIG. 3 is a flow chart of a method consistent with the present invention for implementing step 210 of FIG. 2.
  • the method begins by defining the population of recipients to which the solicitation will be marketed. For example, system 100 may determine that the market group is sports fans who are interested in a high credit limit and who are not concerned with transferring a balance to a new credit card. The market group could also be higher credit risk individuals who wish to transfer balances from a higher interest rate account to a lower interest rate account.
  • system 100 then defines a set of requirements for creating the solicitation (step 315).
  • a requirement is a particular concept encoded into and realized by a rule.
  • a requirement defines a feature of the solicitation used to entice members of the defined population to respond to the solicitation.
  • a database of names and address could be purchased from a university alumni association or a sports magazine publisher.
  • a requirement in this example could be to offer a particular team logo placed on the credit card.
  • a requirement may define a certain credit bureau report to be used when determining whether to offer the particular product or service.
  • the solicitation management processor 120 then creates the new solicitation based on the defined requirements (step 320). After completing step 320, processing returns to step 215 of FIG. 2 (step 325).
  • FIG. 4 is a flow diagram of the method performed by step 320 of FIG. 3. As shown in FIG. 4, the method determines first whether a previous solicitation exists with requirements that match the requirements of the new solicitation (steps 405 and 410). If a previous solicitation already exists with the same requirements as those of the new solicitation, then the new solicitation is associated with the ID tag of the rules base of the matching previous solicitation (step 415). From step 415, processing continues to step 430, where the subroutine returns to step 325 of FIG. 3.
  • step 410 determines that there is no previous solicitation with matching requirements
  • step 420 a new rules base is created corresponding to the requirements defined for the new solicitation.
  • each requirement is encoded into a rule using the solicitation management processor 120.
  • System 100 then assembles a rules base corresponding to the solicitation using the rules encoded from the requirements of the solicitation.
  • the rules base is then stored in database 130 and an ID tag of the rules base is associated with the new solicitation (step 425). Processing then returns to step 325 of FIG. 3 (step 430).
  • FIG. 5 is a flow diagram of a method for implementing step 420 of FIG. 4. As shown in FIG. 5, the method begins by determining if any previous solicitations exist that have at least one requirement that matches at least one requirement of the new solicitation (steps 505 and 510). If none exist, then system 100 creates a new rules base with new rules corresponding to all the desired requirements (step 515) and processing returns to step 420 of FIG. 4 (step 530).
  • FIG. 6 shows a window 605 that lists various rule types that can be included in a given rules base.
  • item 610 refers to a rule type called BUREAUSELECT.
  • a user may highlight this rule type if the user desires a requirement that the product or service offered by the solicitation use a certain credit bureau.
  • system 100 will then allow the user to further define the rule, as described in more detail below.
  • system 100 encodes this requirement into a rule to be included in the rules base for the solicitation currently being created.
  • FIG. 710 indicates the name of the rules base selected by the user
  • item 715 indicates the ID tag associated with the rules base
  • window 720 lists the rule types selected for the new rules base.
  • item 725 refers to the rule type BUREAUSELECT selected in FIG. 6.
  • Other GUI screens of system 100 allow the user to further define the selected rule types. For example, for the BUREAUSELECT rule type, a user may specify the particular credit reporting bureau or the type of data required from the credit reporting bureau. Once this information is provided, system 100 encodes the rule type into a rule.
  • step 520 if system 100 determines in step 510 that there is a previously prepared solicitation having a requirement matching one of those of the new solicitation, then each matched requirement is copied into the new rules base (step 520).
  • the system 100 identifies the rule to be copied, and then the user drags and drops the rule into the new rules base.
  • system 100 then creates rules in the rule base for those requirements (step 525). To do so, the process for creating a rule described above with reference to step 515 and FIGs. 6 and 7 is used. From step 525, processing then returns to step 420 of FIG. 4 (step 530).
  • Systems and methods consistent with the present invention provide a method and system for creating and managing solicitations. Such systems and methods consistent with the present invention can manage any type of solicitation. Further, the present invention can be implemented in a distributed network or reside on a stand-alone computer.

Abstract

L'invention concerne un système de gestion de sollicitation qui comprend un processeur de gestion de sollicitations. Le processeur de gestion de sollicitations est configuré pour définir une base de règles pour la sollicitation adressée à des membres d'une population prédéfinie, et pour envoyer la sollicitation audits membres. Ce système comprend également un processeur d'applications qui est configuré pour recevoir une réponse à la sollicitation provenant d'un répondant comprenant un membre de la population prédéfinie. La réponse est en outre configurée pour contenir une étiquette d'identification qui identifie la base de règles associées à la sollicitation. En outre, le processeur d'applications identifie la base de règles, par rapport au processeur de gestion de sollicitations, à l'aide de l'étiquette d'identification, et reçoit les règles associées à la base de règles, en provenance du processeur de gestion de sollicitations. Le processeur de gestion de sollicitations peut aussi être configuré pour d'abord déterminer une pluralité d'exigences émises, en ce qui concerne la sollicitation, chacune de ces exigences correspondant à une règle faisant partie de la base de règles. Le processeur de gestion de sollicitations peut également être configuré pour identifier des sollicitations antérieures pour lesquelles au moins une exigence concorde avec une exigence émise, et pour introduire dans la base de règles toutes les règles correspondant à une exigence concordante. Et enfin, le processeur de gestion de sollicitation peut en outre être configuré pour créer de nouvelles règles concernant des exigences émises qui n'ont pas été identifiées dans une sollicitation antérieure.
EP01981433A 2000-10-13 2001-10-11 Systemes et procedes de creation et de gestion de sollicitations Withdrawn EP1334455A4 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US68961100A 2000-10-13 2000-10-13
US689611 2000-10-13
PCT/US2001/031552 WO2002031733A1 (fr) 2000-10-13 2001-10-11 Systemes et procedes de creation et de gestion de sollicitations

Publications (2)

Publication Number Publication Date
EP1334455A1 EP1334455A1 (fr) 2003-08-13
EP1334455A4 true EP1334455A4 (fr) 2005-12-07

Family

ID=24769183

Family Applications (1)

Application Number Title Priority Date Filing Date
EP01981433A Withdrawn EP1334455A4 (fr) 2000-10-13 2001-10-11 Systemes et procedes de creation et de gestion de sollicitations

Country Status (3)

Country Link
EP (1) EP1334455A4 (fr)
AU (1) AU2002213074A1 (fr)
WO (1) WO2002031733A1 (fr)

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US8762262B1 (en) 2002-09-06 2014-06-24 Capital One Financial Corporation Method and system for automatically collecting payment for a credit account
US7472090B1 (en) 2002-12-31 2008-12-30 Capital One Financial Corporation Method and system for providing a higher credit limit to a customer
DE202020100567U1 (de) 2020-02-03 2020-04-15 Mahle International Gmbh Pleuel und Pleuel-Kolben-Anordnung
US20220272124A1 (en) * 2021-02-19 2022-08-25 Intuit Inc. Using machine learning for detecting solicitation of personally identifiable information (pii)

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US6035280A (en) * 1995-06-16 2000-03-07 Christensen; Scott N. Electronic discount couponing method and apparatus for generating an electronic list of coupons
EP1008070A4 (fr) * 1996-03-15 2000-06-14 Citibank Na Procede et systeme pour analyser et gerer les fichiers clients d'un organisme financier
US5915243A (en) * 1996-08-29 1999-06-22 Smolen; Daniel T. Method and apparatus for delivering consumer promotions
US6026369A (en) * 1997-05-09 2000-02-15 International Business Machines Corporation Method for distributing advertising in a distributed web modification system
US6018718A (en) * 1997-08-28 2000-01-25 Walker Asset Management Limited Partnership Method and system for processing customized reward offers
US6128599A (en) * 1997-10-09 2000-10-03 Walker Asset Management Limited Partnership Method and apparatus for processing customized group reward offers
US6119098A (en) * 1997-10-14 2000-09-12 Patrice D. Guyot System and method for targeting and distributing advertisements over a distributed network
US6075971A (en) * 1998-03-27 2000-06-13 Intel Corporation Method and apparatus for providing and monitoring coupons via a network
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Also Published As

Publication number Publication date
EP1334455A1 (fr) 2003-08-13
WO2002031733A1 (fr) 2002-04-18
AU2002213074A1 (en) 2002-04-22

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