WO2011043810A1 - Systems and methods for providing and commercially exploiting online persona validation - Google Patents
Systems and methods for providing and commercially exploiting online persona validation Download PDFInfo
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- WO2011043810A1 WO2011043810A1 PCT/US2010/002700 US2010002700W WO2011043810A1 WO 2011043810 A1 WO2011043810 A1 WO 2011043810A1 US 2010002700 W US2010002700 W US 2010002700W WO 2011043810 A1 WO2011043810 A1 WO 2011043810A1
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- 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
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- 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
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0239—Online discounts or incentives
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- 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
- G06Q30/0241—Advertisements
- G06Q30/0251—Targeted advertisements
- G06Q30/0254—Targeted advertisements based on statistics
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- 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
- G06Q30/0241—Advertisements
- G06Q30/0251—Targeted advertisements
- G06Q30/0255—Targeted advertisements based on user history
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- 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
- G06Q30/0241—Advertisements
- G06Q30/0251—Targeted advertisements
- G06Q30/0261—Targeted advertisements based on user location
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- 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
- G06Q30/0241—Advertisements
- G06Q30/0251—Targeted advertisements
- G06Q30/0269—Targeted advertisements based on user profile or attribute
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- 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
- G06Q30/0241—Advertisements
- G06Q30/0277—Online advertisement
Definitions
- the present invention generally relates to e-commerce and Internet based interactions.
- the present invention presents a novel system and method for providing online persona validation.
- the present invention also presents various systems and methods to leverage data obtained in such persona validation to create and exploit a variety of data warehousing and data mining, commercial opportunities and markets.
- Fig. 1 illustrates the growth in the United States of online networking, and the various resulting commercial transactions, both on and off-line, in various segments.
- the growth of online networking and interactions has, however, increased the complexity of, as well as the challenges associated with, fraud and persona validation, and has thus raised many concerns regarding engaging in transactions and interactions over the Internet.
- website users want to be assured that the online and real world personas of the persons they are dealing or interacting with match.
- prospective employers want to be able to rely upon representations regarding work experience and educational credentials provided by prospective employees via Internet based employment applications and the like.
- Fig. 2 illustrates the pressing need for persona validation in view of the growth in online and online-initiated crime, fraud and impersonation and misrepresentation.
- Fig. 2 depicts the various consumer segment needs for each of Professional/Career Networking, Online Dating, Social Networking and Online Classifieds types of interactions.
- Fig. 2 also depicts statistics and various egregious examples all illustrating the fraud and misrepresentation that these online
- Fig. 1 is a chart illustrating the growth in the United States of online networking, and the resulting related commerce, across various customer segments;
- Fig. 2 is a chart illustrating the need for persona validation in view of the growth and prevalence of online and online-initiated crime
- Fig. 3 is a chart illustrating how persona validation can benefit both individual consumers and merchants in a variety of interactive contexts;
- Figs. 4A and 4B are high-level flowcharts depicting process steps for implementing an exemplary tiered identity persona validation system and method according to an exemplary embodiment of the present invention;
- Fig. 5 is a schematic diagram illustrating persona validation provided as an add-on product associated with a credit card, bank card or the like in accordance with an advantageous exemplary embodiment of the present invention
- Fig. 6 is a high-level flowchart depicting process steps for implementing a persona validation system and method that leverages mobile technology according to an alternative exemplary embodiment of the present invention
- Fig. 7 illustrates how exemplary embodiments of the present invention can serve as a hub for persona validation, online advertising and direct marketing;
- Fig. 8 illustrates various consumer interactions according to an exemplary embodiment of the present invention
- Fig. 9-12 illustrate an exemplary single user experience for an exemplary individual system user according to an exemplary embodiment of the present invention
- Figs.9- 10 illustrates account setup, initial authentication and personal attribute verification, as well as setting of profile preferences for the exemplary fictional user "Kate C" according to an exemplary embodiment of the present invention
- Figs. 11-12 illustrate providing high-value targeted offers to a user, based on such user's on-line and off-line habits according to an exemplary embodiment of the present invention
- Fig. 13 depicts exemplary back-end technologies used to support a seamless and anonymous experience in an exemplary system according to exemplary
- Fig. 14 illustrates using three inter-related components enabling communications between customers/users, merchants and advertising/marketing partners according to an exemplary embodiment of the present invention
- Figs. 15-16 depict an exemplary technology architecture with various modules and sub-modules according to an exemplary embodiment of the present invention
- Fig. 17 depicts detail of the Data Services module of Fig. 15; and Figs. 18-23 depict exemplary service provider process flows for operation and administration according to an exemplary embodiment of the present invention.
- tiered i.e., comprising various levels of financial, demographic, lifestyle and other information
- opt-in identity validation systems and various methods that authenticate an individual in e-commerce, social networks, job searches and the like
- Such exemplary systems and methods can identify precise, granular, and hence, valuable, demographics for advertisers.
- the present invention accordingly comprises the various steps and the relation of one or more of such steps with respect to each of the others, and the system embodies features of construction, combinations of elements and arrangement of parts that are adapted to effect and implement such steps, all as exemplified in the following detailed disclosure and accompanying drawings.
- exemplary systems according to the present invention can provide multi-use Internet-wide trusted persona validation, micro-segment targeted ads and offers, and real time, location based, channel integrated ads and offers.
- a process for validating and leveraging multiple persona elements can be provided that has application across many different online interactions.
- This embodiment is shown in Figs. 4A and 4B.
- users and a persona validation service provider can engage through multiple distribution channels.
- users who can be, for example, both individual consumers as well as merchants
- users can select and provide information to validate.
- new users are prompted to provide basic personal information (e.g., name, gender, race, marital status, date and place of birth, citizenship, address, social security number).
- both new and existing users can optionally select further persona elements of varying levels of granularity to validate (e.g., educational attainment, income, home ownership, employment status/location, disabilities, mobility (i.e., travel time to work or number of vehicles available)), and then provide further persona information as necessary or appropriate (e.g., previous addresses, driver license number, license plate number/characters, monthly income and expenses, total assets, debt and net worth - both current and historical). Users can even volunteer further persona information (e.g., user's lifestyle preferences, hobbies, interests, affiliations).
- further persona information e.g., user's lifestyle preferences, hobbies, interests, affiliations).
- the persona validation service provider utilizes internal and/or external data sources to validate the persona information provided. This can, for example, involve verifying demographic information accuracy (e.g., age, location), confirming financial stability (e.g., credit report), and obtaining background history (e.g., criminal report).
- demographic information accuracy e.g., age, location
- financial stability e.g., credit report
- background history e.g., criminal report
- a validation service provider may come across various inconsistencies in the user's credit and financial data. For example, employment and address information may not be as current in the records of one credit reporting service as it is in another. Outstanding liabilities (e.g., mortgages) may have been paid off and released, but still listed. Such inconsistencies can be reported to the user with a request for the user's input as to accuracy, and then the validation service provider can ascertain which data is the most current and accurate. Moreover, any errors can be removed as part of the validation process, inasmuch as, given the ongoing activities it undertakes, the persona validation service provider is likely to have the most current credit report data available to it over and above credit reporting agencies. In various embodiments of the present invention, such error correction and updating of credit reports can be offered as an added benefit to a user, with or without a corresponding fee.
- the validation service provider can automate the data validation process in various ways. For example, one or more algorithms can be used to automatically access any necessary data to verify the user's submissions. Such necessary data can include, for example, credit reports, county records data, state maintained licensing and corporate records databases and the like. For example, as concerns a user's financial data, an algorithm implementing the following pseudo-code can be used:
- Similar processes can be used for, for example, validating subsets of the total data generated by a dating mask, employment mask and the like (after making sure that a field is not revalidated if it appears in two or more masks).
- the validation service provider After the persona information is validated, including any follow-up validations as a result of the inconsistencies in databases used to validate user data, the validation service provider issues a validated persona to the user. That is, the validation service provider confirms that the user's verified persona information resides in secure, accessible (e.g., via the Internet) records on one or more databases associated with the validation service provider, and provides to the user means (e.g., an account identifier that can be provided to a third party Website) for authorizing automated access by third parties to validation information concerning a pre-selected portion of persona information (but not to the persona information itself).
- the validation service provider confirms that the user's verified persona information resides in secure, accessible (e.g., via the Internet) records on one or more databases associated with the validation service provider, and provides to the user means (e.g., an account identifier that can be provided to a third party Website) for authorizing automated access by third parties to validation information concerning a pre-selected portion
- the issuance of a validated persona permits the user to selectively advertise or otherwise communicate the fact that the user's persona information can be automatically validated (e.g., by online social and professional networking Websites) at the authorization of the user, as described in greater detail hereinafter.
- the user will also be provided with a PIN or other identifier to permit the user to access the validation service provider - e.g., to update,
- persona information can be modified and new validations effected not only upon the initiative of the user, but in response to queries to validate persona information that is either not currently available in the validation service provider's database or has not been validated (e.g., if the user's marital status never needed to be validated until the user's first transaction with an online dating Website).
- an individual user who chooses to interact with professional/career networking Websites can use his/her validated persona credentials to communicate financial stability, educational background and credentials and a spotless background history to prospective employers.
- a user who opts to interact with online dating Websites can use his/her validated persona credentials to communicate an online dating profile that can be relied upon; the user can also search/filter for dating profiles that have validated persona credentials.
- a user can communicate that he/she has a validated persona on an online profile or request a validated persona when engaged by an online stranger.
- the validated persona can be advocated, for example, in association with an online posting such as, for example, an online classified advertisement, to assure customers that they are dealing with a legitimate individual, and to attract those who are searching specifically for merchants who have validated personas.
- an online posting such as, for example, an online classified advertisement
- the Website with which a given user having a validated persona interacts can verify the user's credentials automatically.
- the Website's server can access and query (e.g., via the Internet) the validation service provider's server to obtain validation of the user's credentials based on the user's validated persona information.
- the Website provider recognizing the benefits of transacting with users who have validated personas, will already support, e.g., through software provided by the validation service provider, the automatic generation and communication of proper validation requests to the service provider in accordance with pre-defined protocols.
- suitable security protocols e.g., utilizing digital certificates or the like
- Access to validation information concerning a user's validated persona information can be subject to the authorization of the user. That is, a validated user visiting an online social or professional networking Website, for example, will provide his/her account identifier to the Website only after receiving some form of assurance that the Website will seek verification of only those verified persona elements that the user has specified for release to the Website (e.g., the user selects certain items that he/she is willing to have validated from a list of items).
- the validation service provider upon receipt of a query from a Website, can automatically send an e-mail or other communication to the user identifying the nature and scope of the query and seeking authorization from the user prior to providing validation information in response to the query.
- access to and use of the stored persona information can also be governed by granularly adjustable automated rules on the service provider side.
- rules-based permissions and/or restrictions are provided (e.g., contained in associated fields).
- An example of a restriction would be a rule (user-specified) that the service provider will never respond to validation or other queries originating from a particular Website or class of Websites.
- a permission would be a rule (user-specified) that pre-selected validated information concerning the user (e.g., name and e-mail address) may be released to certain advertisers, such as, for example, sports ticketing services, to enable such advertisers to consider the user for targeted offers.
- Another exemplary rule would be that for each of a defined type of Website, only a subset of the user's total record would be accessible. The user can set which of his or her validated fields can be provided to each Website type. For example, regardless of which types of validated data are requested by a dating Website, a user can set a rule that only marital status, age, profession and residence location be provided, thus shielding all financial data from such queries.
- Such rules can be implemented by the use of masks (as described above) which, operating on a user's total validated data record, can select a relevant subset.
- a DatingMask, FinMask, EmployerMask, etc. can be defined.
- Each incoming query can be identified as to type, and using such type value the relevant mask can be used to generate a subset of user data that is available to respond to the query. If the incoming query is, for example, from ⁇ e-harmony.com>, ⁇ match.com> or ⁇ plentyoffish.com>, then only those fields that pass through the DatingMask (and no others) are available to respond to the query.
- persona validation in accordance with embodiments of the present invention can be provided as an add-on product associated with a credit card, bank card or the like to enhance the value of the card to both the card holder or user of the card and to the bank, financial institution or other issuer of the card.
- card issuers are particularly suited to offer persona validation in accordance with the present invention given their access to a well-developed infrastructure that supports card issuance and processing and transaction settlement, and that, of necessity, already involves validations of the credit worthiness (e.g., credit report) and background history (e.g., criminal report) of card holders.
- Transactional benefits include increased revenue resulting from increased transactional volume from new card holders who desire persona validation and from increased usage from existing card holders.
- Non-transactional benefits include direct revenue (e.g., fees) as consideration for providing persona validation, as well as the opportunity to realize revenue from the more granular user information provided in connection with persona validation in accordance with the present invention, which enhances segmentation capabilities.
- a non-transactional benefit can, for example, be mortgage pre-approval.
- a bank can access such data, once validated, and automatically run algorithms on the appropriate set of data fields (e.g., derived from the total record using a "MortgageApproval" mask) to determine whether the user is approved for a mortgage, be it new or a refinance of an existing mortgage or combination of existing mortgages, or a home equity loan.
- the bank can then offer the user a mortgage or home equity loan up to a maximum amount on a very short approval timeframe, inasmuch as the bank has already performed the underwriting using the user's validated data.
- Such offers can be routinely made if a user qualifies, or can be triggered upon analysis of other data, such as, for example, time of last refinance, existing interest rate(s) on the user's outstanding debt, significant recent increases in property values in the user's zip code, etc.
- persona validation from a card issuer represents a valuable add-on product from a reputable source that permits the use of a single, validated persona across multiple segments.
- the provision of persona validation can represent not only new customers and increased transactions, but also access to more complete customer information.
- another potential provider of persona validation services can be, for example, a global package shipper. Similar to card issuers, global package shippers currently maintain a well developed infrastructure to track and support the shipping of millions of packages from multiple parties with varied levels of service. It is thus noted that from a shipper's perspective providing persona validation as an add-on service can, for example, both increase their shipping traffic and allow them to further differentiate themselves as the Internet's leading shipping provider. From an end user
- persona validation can also represent access to more complete customer information (for better customer micro- segmentation and more targeted advertising), as well as increased site traffic and increased advertising revenue. Indeed, it should be appreciated that, by virtue of the customer micro-segmentation benefits presented by the present invention, online advertisers would be willing to pay more for each user view/click-through (the increase in advertising revenue can be shared with the validation service provider, as the validation service provider created that value).
- a user can download a persona validation software application on his/her smartphone or like device and opt-in for services (step 1 ).
- the user authorizes the validation service provider to collect and the provider collects data concerning, for example, the user's movements (e.g., shopping, commuting), which can be obtained, for example, via the smartphone's GPS function (step 2).
- the service provider employs known computerized analytical processing methodologies to transform such data (in combination with other user persona validation data such as, for example, demographic data, financial data, background history and spending history) into useful, reliable information regarding the user's behavioral patterns of interest to advertisers and the like (step 3).
- This information can form the basis for real-time, targeted advertising or offers that are specific to the user's preferences delivered at the point of intent (step 4) - subject to the user's prior, and selective, authorization to release such information for such purposes.
- the user's credit and debit card transactions can be tracked (and Level 1 , 2 and 3 data collected, for example), and can be analytically related to the GPS data and/or other motion tracking data (e.g., data obtained via the user's electronic toll collection account, such as E-Z- PASS, for example) to yield new and granular insights into the user's spending patterns and other behavior. It should be appreciated that it is the unprecedented level of granularity of the persona data that can be cultivated by the persona validation service provider that is of particular value to advertisers and the like.
- a unique capability of exemplary embodiments of the present invention is the ability to use location based information independent of a user's credit card (or debit card) transaction data. For example, if a user pays by cash at his or her restaurant of choice every day - Victor can use location based data from his or her smartphone to ascertain his or her lunch habits without the need to discern this information from specific card data. This feature allows Victor to fully operate even with customers who only use cash, or for example, prepaid debit cards or the like.
- GPS or other movement tracking data As one example of the salutary use of GPS or other movement tracking data according to the foregoing embodiment of the present invention, imagine a user who commutes by car weekdays from the suburbs to the city. The user's commuting behavior is gleaned and validated from the GPS data and other data (e.g., home address, work address and even electronic toll collection data) collected (with the user's prior authorization) by the persona validation service provider. Additionally, the user's credit card transaction history reveals that the user typically pays to have his/her car washed at a car wash located nearby the user's home address.
- data and other data e.g., home address, work address and even electronic toll collection data
- This information would likely be of particular interest, for targeted advertising purposes, to a car wash owner located away from the user's home address but a short distance from the highway along the user's commute to work. That is, provided the user has authorized the persona validation service provider to release certain validated persona information to advertisers for purposes of, for example, presenting discount offers to the user, the advertising car wash owner can, for a fee, obtain the user's contact information from the persona validation service provider pursuant to a request to identify users who might be potential customers willing to receive targeted car wash discount offers.
- the user benefits by receiving the discount offer for a service that he/she might never otherwise have known was available along the user's commute, as users do not tend to stop at the various highway or parkway exists along their route to investigate available providers of goods and services. If the advertising merchants are located in a tax-free, or lower tax, commercial development zone that happens to be along a user's route, the benefit of shopping with such merchants is a useful boon to a user even with no additional discount offer.
- Fig. 7 illustrates how in exemplary embodiments of the present invention an exemplary system can serve as a hub for persona validation, online advertising and direct marketing. As a result, various synergistic relationships can be facilitated and enabled.
- an exemplary system can enable various synergistics
- Fig. 8 illustrates various consumer interactions according to exemplary embodiments of the present invention. As shown therein, there can be, for example, an
- Authentication and Verification interaction 801 a Preferences Setting interaction 810, and a Browsing Experience interaction 820 for each user.
- a user can create a new account, and his or her data can then be verified.
- Preferences Setting interaction 8 0 the user can set various masks to show/shield various subsets of their verified data, set preferences regarding receiving various offers and the frequency of such receipt, can register various credit cards for which offline behaviors can be tracked, and can indicate which offers they are most interested in receiving.
- Victor can, for example, launch every time a user opens their browser.
- an Ad Network Partner can serve targeted ads, and a user can see offers from advertisers and use them either on or offline.
- Victor can track offer redemption and provide campaign analytics to advertisers to aid them in refining their offers.
- users can, for example, see the information that Victor is collecting about them and edit preferences and interests to improve their profile - and thus the quality and value of advertisements and promotions directed to them.
- users can have the ability to "turn off' Victor and browse in a "Private Mode.”
- targeted advertisements are sent to a Victor user based on a large amount of data collected regarding the user's on-line as well as off-line activities. It is often desired by advertisers that such ads be delivered rather quickly once the data triggers one of the advertisement generation algorithms ("AGAs"). At the same time, it can well be appreciated that very large amounts of data are collected and managed with regard to each and every Victor user. Thus, if a given AGA had to search through a single, rather large, data record for each user, the time required to generate such advertisements can often far exceed the allotted time that the advertiser contracts for.
- the data that is collected and stored for each user can be micro-segmented, and each micro-segment or "slice" of data can be stored in a separate, small, and easily accessible data record or attribute table.
- attribute tables for each user, and thus a given user's overall profile is distributed across numerous such attribute tables.
- advertisement generation algorithms also known as "ad agents” relating to the sports micro-segment need only search such a relatively small attribute table.
- all restaurant related data for a user can be stored in a separate table.
- Such small attribute tables are easier to search on, and can be stored in near memory, thus not requiring disk accesses. Moreoever, for example, the entries in each table can be numeric, thus facilitating quicker searching.
- the restaurant attribute table can have a number of fields corresponding to food genres, and for each field a 1 or 0 can be stored, corresponding to a YES or NO for a user liking that type of food or disliking it.
- a restaurant preference table having, in addition to other fields, such as, for example, residence and work locations of user and his/her spouse, restaurants frequented in last year, etc. the following fields:
- Such a listing can prioritize YES data by order in which it appears, such that, for example, the above exemplary user's favorite food is Italian, second favorite is Sushi, and third favorite is Chinese, and the user dislikesixie food. Or, for example, greater gradations can be stored in larger numbers of bits, corresponding to shades of like or dislike.
- locational data such as a user's residence and work locations, and those of his spouse, for example, although stored in a user's primary table
- data can be repeated in various tables, and there can be, for example, a background process that continually moves or migrates data from primary tables to slices, as may be needed.
- a background process that continually moves or migrates data from primary tables to slices, as may be needed.
- an exemplary Victor system may partner with an affinity credit card issues to all graduates of Columbia University. From its profiles of existing users, Victor happened to know that many of its users fit this category, which gave it an edge in negotiating the new arrangement with the affinity card's issuing bank. Given the new relationship, Victor may create a new "Columbia University” attribute table, where it stores year graduated, whether the user supports the various sports teams at Columbia, whether any children currently attend, and average purchases by type and dollar amount at the Columbia University bookstore.
- an exemplary Victor system can respond appropriately to service the ad agents.
- Figs. 9-12 illustrate an exemplary single user experience according to an exemplary embodiment of the present invention.
- a fictitious user named "Kate C.” signs on to an exemplary system as username “Victor123”, and goes through an initial authentication process and an exemplary verification process.
- Our exemplary user Victor123 has chosen the highest level of verification, as described in detail below.
- Figs. 9-12 it is noted that the various boxes occur chronologically, and moreover, they should be read in a "boustrophedon" or bidirectional manner.
- the boxes should be read form the start in the upper left corner, proceeding in the first row from left to right, then down to the beginning of the second row at the right, and then proceeding right to left until the beginning of the third row, at its left, and then left to right again.
- Fig. 9 The events of Fig. 9 occur within a half an hour of time on one day, Saturday.
- Fig. 10 follows Kate C. as she completes the Verification and Setting Preferences Interactions over Saturday and Sunday, her last preference setting task finishing on Sunday at 10: 10 PM.
- Kate C.'s age, location, income, education and marital status are now displayed as "V" or verified.
- Figs. 11-12 then follow Kate C. through an additional eight-day period as a new Victor user, beginning on Monday morning at 8:15 AM and continuing through to the following Monday at 3:35 PM, a week later.
- Kate C. receives a number of offers across a wide network of purveyors and merchants of various goods and services. Additionally, various targeted
- advertisement generation algorithms are busily at work providing Kate C. with high-value targeted offers, based on both her on-line as well as her off-line habits. These various advertisements and coupons are delivered to Victor123 as she goes about her day, and come via her desktop computer, her mobile device (smart phone, blackberry, phone, iPAD, etc.), all as depicted in Figs. 1 1 -12.
- Fig. 13 depicts exemplary back-end technologies and interfaces used to support a seamless and anonymous experience for Kate C.
- FIG. 13 depicts exemplary back-end technologies and interfaces used to support a seamless and anonymous experience for Kate C.
- FIG. 13 depicts six different data flows and associated processes, illustrating the use of an exemplary system as a veritable hub connecting a vast network of people, users, merchants, data and activities.
- one of the depicted data feeds is (i) a
- this data feed can, for example, supply Victor with a user's moment to moment location information based on her mobile signal. This is not only a massive data feed, but when processed it can send highly relevant location based
- advertising analytics can be stored in yet separate tables from the main profile and the various data slices, or attribute tables.
- Such an advertising analytic table can include, for example, offers sent, frequency of offers sent, when used/executed by user, statistical analyses of this user vis-a-vis other users sent the advertisement, etc.
- a Consumer/Victor Data Flow (iii) a Victor/Online Ad Network Data Flow, illustrated by a ski merchant issuing an offer to Kate C. on both the Victor desktop and mobile platforms, (iv) a Site/Consumer Data Flow, illustrated by an e-Harmony user named Chris validating data on e-harmony via a Victor API and Victor then advising Kate C. that Chris is who he claims to be, (v) a Site to Victor Data Flow, illustrated by e-Harmony and Craigslist sharing information with Victor via a validation API, and (vi) a Consumer to Consumer (“C2C”) Data Flow, illustrated by the e-Harmony user Chris and a
- Fig. 14 illustrates using three inter-related components enabling communications between customers/users, merchants and advertising/marketing partners according to an exemplary embodiment of the present invention.
- These components themselves each comprise a customer facing component, a back-end component and a partner component.
- the exemplary customer facing component can include, for example, a physical store or branch location, where a Victor user can go to supply physical documents as part of her validation on Victor. Such documents can be scanned or otherwise digitized, and then stored and available to Victor's various processes as may be needed.
- the exemplary customer facing component can also include, for example, a system website where a user interacts with an exemplary system, as well as key endorsers, such as, for example, Facebook, Craigslist, e- Harmony and Match.com, who receive user information form the exemplary system and then generate targeted advertisements, offers or the like to users.
- key endorsers such as, for example, Facebook, Craigslist, e- Harmony and Match.com
- the exemplary back-end component can comprise, for example, a Validation Engine, a System Database and a Direct Marketing Engine.
- This component receives a user's identity and persona attributes, and validates them, then communicates the validated user data to the system database, which can store the data in various ways, such as in a primary attribute table and multiple micro-segmented attribute tables, as described above.
- the Direct Marketing Engine receives user data form the system database, and then processes it to generate direct marketing solicitations, promotions and offers to a system user, as shown.
- an exemplary Partner Component can include, for example, Data and Validation partners, such as data compilers, credit bureaus and credit reporting services such as Intellius and Experian, with whom data is exchanged regarding validation or user data, as well as Advertising and Marketing partners such as, for example, Google and Verizon, with whom data is exchanged so as to generate targeted marketing and advertising.
- Data and Validation partners such as data compilers, credit bureaus and credit reporting services such as Intellius and Experian, with whom data is exchanged regarding validation or user data
- Advertising and Marketing partners such as, for example, Google and Verizon, with whom data is exchanged so as to generate targeted marketing and advertising.
- exemplary interactions with partners such as Google and Verizon are depicted in Fig. 13, in particular in the Victor/Online Ad Network Data Flow and the Victor/Telecom
- Figs. 15-16 depict an exemplary technology architecture that can be used in exemplary embodiments of the present invention.
- a set of External Data Sources can provide data to the Integration Services module via an "External Data Services" sub-module, and, as shown at the right of Fig. 15, an" Ad Networks Services” sub-module can interact with multiple advertising networks, such as, for example, via the Internet and via mobile networks.
- Ad Networks Services can interact with multiple advertising networks, such as, for example, via the Internet and via mobile networks.
- Fig. 16 depicts details of the various Presentation, Integration and Foundation Services Layers provided in this exemplary architecture
- Fig. 7 depicts details of the exemplary Data Services Layer shown at the bottom of Fig. 15.
- an exemplary Presentation Services Layer can include, for example, services that provide browser and mobile phone interfaces for customers and service center agents.
- Such services can, for example, include the following sub-modules:
- Mobile Services - a web server responsible for managing the mobile user experience for Victor customers including the receipt of offers and managing of preferences;
- POS Verification Services a web server responsible for managing the user experience for service center agents who will be completing in-person verification services at POS locations,
- an exemplary Integration Services Layer can provide data migration tasks from different components of the Victor platform and external data sources and recipients.
- Such an exemplary module can include the following sub-modules:
- External Data Services that support the need to import data from non-Victor data sources (e.g. Credit Reporting Partners, Mobile Providers, etc.);
- Internal Integration Services that support the need to migrate data within the Victor platform (such as, for example, a form on the Victor.com website and the data transformation engine); and Ad Network Services - data migration and communication services related to sharing and sending Victor data to Ad Network (such as, for example, profile data so an Ad Network can serve an ad to Victor customers).
- an exemplary Foundation Services Layer can provide services that will be used across multiple layers and components of the Victor platform, and can, for example, include the following sub-modules:
- Business Rules - an engine that will manage and execute business rules associated with Victor (e.g. - if customer X is in Y location send Ad Network profile data Z);
- Security Services all authentication and authorization services related to data access and access to presentation services.
- Data Transformation Services handing the transformation of data as it enters or exits the Victor platform (such as, for example, transforming key elements of a credit report so it can be stored within the Data Warehouse).
- Fig. 17 depicts details of the final module, the Data Services Layer.
- the Data Services Layer has two elements, Operational Data Marts and Data Warehouse.
- the Data Warehouse can, for example, store detailed information about Victor customers including, for example, their verified persona data elements, preferences, recent transactions, history of response to Victor offers (such as, for example, views, click through, redemption, etc.) and mobile information.
- the data model for this warehouse can, for example, be keyed on the customer ID ("Victorl 23") or profile ID which can thus enable Victor to separate profile information from actual name of the customer.
- the warehouse can, for example, house all offer information from advertisers that have signed agreements with Victor, including their various contracted for or specified parameters for providing offers and campaign analytics.
- the Operational Data Marts are examples of the data slices described above. Each is a 'slice' of the data warehouse that can enable quick access to specific attributes of a profile so that ad networks and the Victor platform can take action based on the profile and real-time input (such as, for example, time of day, location, browsing, etc). In exemplary embodiments of the present invention, a separate Operational Data Mart can, for example, be set up for each partnered advertiser.
- Figs. 18-23 depict exemplary service provider process flows for operation and administration according to an exemplary embodiment of the present invention.
- process flows relate to three main processes used in exemplary embodiments of the present invention, and are the backbone that delivers all of the functionalities and interactions such as are described in Figs. 9-12 above.
- FIG. 18 is an overview of the three main processes performed in exemplary embodiments of the present invention - Authentication, Verification and Browsing Experience.
- Fig. 19 provides details of the first process, the Authentication process. As can be seen in Fig. 19, and as is true for all of the processes depicted in Figs. 18-23, there are processes and data flows that occur between five players: an exemplary bank, an exemplary system according to the present invention
- Vector a user, a credit bureau or information vendor, and a point of service center.
- Figs. 20-22 provide the processing detail for the various verification processes used in various exemplary embodiments of the present invention.
- Fig. 20 describes the general verification process.
- the workhorse of this process is a validation engine, which runs a set of algorithms used to verify the data provided by a user.
- the validation engine operates in two modes, depending upon whether the user is validating their data for a first time, i.e. their complete profile, as shown in Fig. 21 , or whether they are simply submitting new data or version of data to a pre-existing profile, as shown in Fig. 22.
- Verifying a completely new profile involves the same five players depicted in Fig. 9, and as shown in Fig. 22, verifying a profile update involves all but the Point of Service Center.
- Figs. 19, 21 and 22 that an example is presented with a partner bank named "Citi.” This is for illustrative purposes only, and it is understood that any banking, financial, global shipping, or other partner could be substituted.
- Offers are made in non-real • Real-time and location-based time and delivered location delivery of offers
- Offers delivered via non- • Channel-integrated and portable integrated channels offers (e.g., offers delivered via desktop, mobile, fax, mail and are synced among all devices)
- Exemplary embodiments of the present invention allow the option for everything to be known about a user except who that user is.
- such exemplary systems can provide each user with full control over what data is shared and how it is being used.
- a comparison of these novel characteristics with the currently available technology is summarized in the following tables.
- an online persona validation business can, for example, offer various products aimed at different segments of the market.
- the market can be divided into 3 tiers, each with more information being validated, and thus acquired.
- Such a three-tier example is summarized in Table I below, where, the three tiers are referred to for illustrative purposes as Tier 0, Victor Tier 1 and Tier 2.
- Tier 1 Name Provides detailed Online daters
- Tier 2 Name Increases credibility for Job seekers and
- inventions described herein may be implemented, at least in part, using software controlled programmable processing devices, such as a computer system
- one or more computer programs for configuring such programmable devices or system of devices to implement the foregoing described method embodiments are to be considered an aspect of the present invention.
- the computer programs may be embodied as source code and undergo compilation for implementation on processing devices or a system of devices, or may be embodied as object code, for example. They may be stored in rewriteable accessible memory media, or hard coded as embedded systems in one or more integrated circuit chips.
- the term computer in its most general sense encompasses programmable devices such as those referred to above, and data processing apparatus, computer systems and the like.
- the computer programs are stored on carrier media in machine or device readable form, for example in solid-state, optical or magnetic memory, and processing devices utilize the programs or parts thereof to configure themselves for operation.
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Abstract
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BR112012007825A BR112012007825A2 (en) | 2009-10-06 | 2010-10-06 | "systems and method for providing and commercially exploiting personal online validation" |
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