Patents Assigned to Experian Marketing Solutions, Inc.
  • Patent number: 10075446
    Abstract: Embodiments described herein provide systems and methods to streamline the mechanism by which data users access differently regulated data through the use of one or more integrated identifiers. The integrated identifiers lessen or eliminate the need to separately maintain one set of identifiers for regulated data and another set for non-regulated data. The methods and systems may be applicable in various credit and healthcare contexts where regulations over data use are prevalent. In one or more embodiments, a data user receives a unique integrated identifier for each of the data user's current or prospective customers, and the integrated identifiers can be used to persistently identify and track the customers over time and across applications that access regulated and/or non-regulated data. In the healthcare context, a healthcare provider may utilize a patient ID as the integrated identifier. To protect privacy, the integrated identifier may not include social security numbers or birthdates.
    Type: Grant
    Filed: February 9, 2015
    Date of Patent: September 11, 2018
    Assignee: EXPERIAN MARKETING SOLUTIONS, INC.
    Inventors: Helen McMillan, John Lawrence Skurtovich, Anita Kress, Timothy Sumida, Michael Charles McVey
  • Patent number: 9710523
    Abstract: The present invention provides a system, method and software for linking persistent and unique business identifiers, associated with business entities, for associating corresponding business records without a loss of historical records, regardless of subsequent changes, updates, and mergers. In the various embodiments, a first business record, of the plurality of business records, is associated with a first business identifier; and a second business record, which does not match the first record, is associated with a second business identifier.
    Type: Grant
    Filed: February 4, 2016
    Date of Patent: July 18, 2017
    Assignee: Experian Marketing Solutions, Inc.
    Inventors: John L. Skurtovich, Jr., Pamela Barrios, Timothy Sumida
  • Patent number: 9595051
    Abstract: Embodiments facilitate confidential and secure sharing of anonymous user profile data to improve the delivery of customized content. Embodiments of the invention provide a data appliance to an entity such as a business to convert profile data about the business's customers into anonymous identifiers. A similar data appliance is provided to a content provider in one embodiment to generate identifiers for its user profile data. Because the anonymous identifiers are generated with the same anonymization method, identical identifiers are likely generated from profile data of the same users. Therefore, the identifiers can be used to anonymously match the customers of the business to the users of the content provider. Therefore, data can be shared to improve customized content such as advertisements that the business wishes to place with the content provider without requiring the business to disclose customer data in an unencrypted form, and any non-matched data can remain confidential.
    Type: Grant
    Filed: February 20, 2015
    Date of Patent: March 14, 2017
    Assignee: Experian Marketing Solutions, Inc.
    Inventors: Brian Stack, Andrew Lientz, Simon Chamberlain, Yacine Abdous, Ray Kahn
  • Patent number: 9471928
    Abstract: The present invention provides a system, method, software and data structure for independently predicting attitudinal and message responsiveness, using a plurality of attitudinal or other identification classifications and a plurality of message content or version classifications, for a selected population of a plurality of entities, such as individuals or households, represented in a data repository. The plurality of predictive attitudinal (or identification) classifications and plurality of predictive message content (ore version) classifications have been determined using a plurality of predictive models developed from a sample population and applied to a reference population represented in the data repository, such as attitudinal, behavioral, or demographic models. For each predictive attitudinal (or identification) classification, at least one predominant predictive message content or version classification is independently determined.
    Type: Grant
    Filed: November 29, 2012
    Date of Patent: October 18, 2016
    Assignee: Experian Marketing Solutions, Inc.
    Inventors: Marc Christian Fanelli, Patricia Kay Gormley, Kymberly Ann Kulle, Thomas G. Nocerino, Kaushik Sanyal
  • Patent number: 9454578
    Abstract: The various embodiments of the invention provide software and metadata structures for a data processing system and method, for applications such as marketing campaign management, speech recognition and signal processing. An exemplary system embodiment includes a first data repository adapted to store a plurality of entity and attribute data; a second data repository adapted to store a plurality of entity linkage data; a metadata data repository adapted to store a plurality of metadata modules, with a first metadata module having a plurality of selectable parameters, received through a control interface, and having a plurality of metadata linkages to a first subset of metadata modules; and a multidimensional data structure. The control interface may modify the plurality of selectable parameters in response to received control information.
    Type: Grant
    Filed: November 29, 2015
    Date of Patent: September 27, 2016
    Assignee: Experian Marketing Solutions, Inc.
    Inventors: Joseph Kevin Anzalone, Nevzat Hurkan Balkir, Len Cavers, Brian L. Foreman
  • Patent number: 9256624
    Abstract: The present invention provides a system, method and software for linking persistent and unique business identifiers, associated with business entities, for associating corresponding business records without a loss of historical records, regardless of subsequent changes, updates, and mergers. In the various embodiments, a first business record, of the plurality of business records, is associated with a first business identifier; and a second business record, which does not match the first record, is associated with a second business identifier.
    Type: Grant
    Filed: January 22, 2014
    Date of Patent: February 9, 2016
    Assignee: Experian Marketing Solutions, Inc.
    Inventors: John L. Skurtovich, Jr., Pamela Barrios, Timothy Sumida
  • Patent number: 9201981
    Abstract: The various embodiments of the invention provide software and metadata structures for a data processing system and method, for applications such as marketing campaign management, speech recognition and signal processing. An exemplary system embodiment includes a first data repository adapted to store a plurality of entity and attribute data; a second data repository adapted to store a plurality of entity linkage data; a metadata data repository adapted to store a plurality of metadata modules, with a first metadata module having a plurality of selectable parameters, received through a control interface, and having a plurality of metadata linkages to a first subset of metadata modules; and a multidimensional data structure. The control interface may modify the plurality of selectable parameters in response to received control information.
    Type: Grant
    Filed: May 24, 2014
    Date of Patent: December 1, 2015
    Assignee: Experian Marketing Solutions, Inc.
    Inventors: Joseph Kevin Anzalone, Nevzat Hurkan Balkir, Len Cavers, Brian L. Foreman
  • Patent number: 9152727
    Abstract: Embodiments of the invention include systems and methods that enable the association and aggregation of consumer data gathered from online and offline sources. In particular, several embodiments are directed to linking consumer data in a data source controlled by an entity (e.g., such as a company's CRM (customer relationship management) database) to offline data sources such as demographic data, and/or online data sources such as online interaction data. The linking may be based on several identifiers (IDs) associated with the data sources. The systems and methods disclosed herein thus facilitate the association of these disparate data sources and enable various entities to better tailor interactions with the consumers. In other embodiments, a shared cookie data management system and method is disclosed. The shared cookie serves as a vehicle through which entities can selectively share consumer information with other entities in a system with uniform format and technical infrastructure.
    Type: Grant
    Filed: August 22, 2011
    Date of Patent: October 6, 2015
    Assignee: Experian Marketing Solutions, Inc.
    Inventors: Michael Balducci, Thomas C. Manvydas, Nadya Kohl, Paul Koelfgen
  • Patent number: 9058340
    Abstract: A system is disclosed that maps user IDs (such as IP addresses) and geographic regions to particular categories or “segments” reflective of user profiles. The mappings may be based on behavioral data reflective of user browsing activities, offline data (e.g., survey data or demographic data), or a combination thereof. In one embodiment, the mappings are generated using data collected by a plurality of Internet Service Providers (ISPs) regarding their subscribers. The system also includes a query interface that enables content providers to retrieve segment data associated with particular user IDs.
    Type: Grant
    Filed: September 9, 2013
    Date of Patent: June 16, 2015
    Assignee: EXPERIAN MARKETING SOLUTIONS, INC.
    Inventors: Simon Chamberlain, Harley Giles, Andrew Lientz
  • Publication number: 20150081738
    Abstract: The various embodiments of the invention provide software and metadata structures for a data processing system and method, for applications such as marketing campaign management, speech recognition and signal processing. An exemplary system embodiment includes a first data repository adapted to store a plurality of entity and attribute data; a second data repository adapted to store a plurality of entity linkage data; a metadata data repository adapted to store a plurality of metadata modules, with a first metadata module having a plurality of selectable parameters, received through a control interface, and having a plurality of metadata linkages to a first subset of metadata modules; and a multidimensional data structure. The control interface may modify the plurality of selectable parameters in response to received control information.
    Type: Application
    Filed: May 24, 2014
    Publication date: March 19, 2015
    Applicant: Experian Marketing Solutions, Inc.
    Inventors: Joseph Kevin Anzalone, Nevzat Hurkan Balkir, Len Cavers, Brian L. Foreman
  • Patent number: 8966649
    Abstract: Embodiments facilitate confidential and secure sharing of anonymous user profile data to improve the delivery of customized content. Embodiments of the invention provide a data appliance to an entity such as a business to convert profile data about the business's customers into anonymous identifiers. A similar data appliance is provided to a content provider in one embodiment to generate identifiers for its user profile data. Because the anonymous identifiers are generated with the same anonymization method, identical identifiers are likely generated from profile data of the same users. Therefore, the identifiers can be used to anonymously match the customers of the business to the users of the content provider. Therefore, data can be shared to improve customized content such as advertisements that the business wishes to place with the content provider without requiring the business to disclose customer data in an unencrypted form, and any non-matched data can remain confidential.
    Type: Grant
    Filed: January 23, 2014
    Date of Patent: February 24, 2015
    Assignee: Experian Marketing Solutions, Inc.
    Inventors: Brian Stack, Andrew Lientz, Simon Chamberlain, Yacine Abdous, Ray Kahn
  • Publication number: 20150046226
    Abstract: The various exemplary embodiments provide a method for projecting survey information into a geographic region. The geographic region is divided into a plurality of geographic subregions, each of which are profiled using a plurality of profiling variables to form a selected geographic subregion profile. The profiling variables include both demographic and behavioral variables. A plurality of survey respondents are then randomly assigned into the selected geographic subregion to form a modeled population, with the random assignment weighted based on a representation probability of each of the corresponding plurality of survey respondents for the selected geographic subregion profile, with the representation probabilities having been determined using a sample balancing algorithm. Following such profiling and assignment for all subregions, survey information corresponding to the modeled population is projected into the geographic region.
    Type: Application
    Filed: February 12, 2014
    Publication date: February 12, 2015
    Applicant: EXPERIAN MARKETING SOLUTIONS, INC.
    Inventor: David Algranati
  • Patent number: 8954459
    Abstract: Embodiments described herein provide systems and methods to streamline the mechanism by which data users access differently regulated data through the use of one or more integrated identifiers. The integrated identifiers lessen or eliminate the need to separately maintain one set of identifiers for regulated data and another set for non-regulated data. The methods and systems may be applicable in various credit and healthcare contexts where regulations over data use are prevalent. In one or more embodiments, a data user receives a unique integrated identifier for each of the data user's current or prospective customers, and the integrated identifiers can be used to persistently identify and track the customers over time and across applications that access regulated and/or non-regulated data. In the healthcare context, a healthcare provider may utilize a patient ID as the integrated identifier. To protect privacy, the integrated identifier may not include social security numbers or birthdates.
    Type: Grant
    Filed: November 9, 2012
    Date of Patent: February 10, 2015
    Assignee: Experian Marketing Solutions, Inc.
    Inventors: Helen McMillan, John Lawrence Skurtovich, Jr., Anita Kress, Timothy Sumida, Michael Charles McVey
  • Publication number: 20140344302
    Abstract: The present invention provides a system, method and software for linking persistent and unique business identifiers, associated with business entities, for associating corresponding business records without a loss of historical records, regardless of subsequent changes, updates, and mergers. In the various embodiments, a first business record, of the plurality of business records, is associated with a first business identifier; and a second business record, which does not match the first record, is associated with a second business identifier.
    Type: Application
    Filed: January 22, 2014
    Publication date: November 20, 2014
    Applicant: Experian Marketing Solutions, Inc.
    Inventors: John L. Skurtovich, JR., Pamela Barrios, Timothy Sumida
  • Publication number: 20140214482
    Abstract: A client transmits one or more lead records to a lead enhancement module that is configured to enhance the received lead records and return enhanced lead records to the client. The lead enhancement module may return a contactability score for each lead record, indicating a likelihood that the individual identified in the lead may be contacted using the contact information provided in the lead record and/or additional contract information located by the lead enhancement module. The lead enhancement module may also receive additional data items associated with leads from one or more data sources. Additionally, statistical models that may be customized for each client may be applied to information associated with lead records in order to determine one or more propensity scores for each of the lead records, where a propensity score indicates a likelihood that an individual will take a particular action, such as purchasing particular goods or services.
    Type: Application
    Filed: January 3, 2014
    Publication date: July 31, 2014
    Applicant: EXPERIAN MARKETING SOLUTIONS, INC.
    Inventors: Richard Williams, Jacob Kong, Lawrence J. Hughes, Damodar Panigrahi, Maria Luisa Kirgan, Rasoul Hajikhani
  • Publication number: 20140201007
    Abstract: Embodiments facilitate confidential and secure sharing of anonymous user profile data to improve the delivery of customized content. Embodiments of the invention provide a data appliance to an entity such as a business to convert profile data about the business's customers into anonymous identifiers. A similar data appliance is provided to a content provider in one embodiment to generate identifiers for its user profile data. Because the anonymous identifiers are generated with the same anonymization method, identical identifiers are likely generated from profile data of the same users. Therefore, the identifiers can be used to anonymously match the customers of the business to the users of the content provider. Therefore, data can be shared to improve customized content such as advertisements that the business wishes to place with the content provider without requiring the business to disclose customer data in an unencrypted form, and any non-matched data can remain confidential.
    Type: Application
    Filed: January 23, 2014
    Publication date: July 17, 2014
    Applicant: Experian Marketing Solutions, Inc.
    Inventors: Brian Stack, Andrew Lientz, Simon Chamberlain, Yacine Abdous, Ray Kahn
  • Patent number: 8775473
    Abstract: The various embodiments of the invention provide software and metadata structures for a data processing system and method, for applications such as marketing campaign management, speech recognition and signal processing. An exemplary system embodiment includes a first data repository adapted to store a plurality of entity and attribute data; a second data repository adapted to store a plurality of entity linkage data; a metadata data repository adapted to store a plurality of metadata modules, with a first metadata module having a plurality of selectable parameters, received through a control interface, and having a plurality of metadata linkages to a first subset of metadata modules; and a multidimensional data structure.
    Type: Grant
    Filed: February 4, 2012
    Date of Patent: July 8, 2014
    Assignee: Experian Marketing Solutions, Inc.
    Inventors: Joseph Kevin Anzalone, Nevzat Hurkan Balkir, Len Cavers, Brian L. Foreman
  • Patent number: 8738515
    Abstract: In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.
    Type: Grant
    Filed: September 14, 2012
    Date of Patent: May 27, 2014
    Assignee: Experian Marketing Solutions, Inc.
    Inventors: Anamitra Chaudhuri, Nancy A. Hadenfeldt, Erik Hjermstad
  • Patent number: 8694359
    Abstract: The various exemplary embodiments provide a method for projecting survey information into a geographic region. The geographic region is divided into a plurality of geographic subregions, each of which are profiled using a plurality of profiling variables to form a selected geographic subregion profile. The profiling variables include both demographic and behavioral variables. A plurality of survey respondents are then randomly assigned into the selected geographic subregion to form a modeled population, with the random assignment weighted based on a representation probability of each of the corresponding plurality of survey respondents for the selected geographic subregion profile, with the representation probabilities having been determined using a sample balancing algorithm. Following such profiling and assignment for all subregions, survey information corresponding to the modeled population is projected into the geographic region.
    Type: Grant
    Filed: November 16, 2012
    Date of Patent: April 8, 2014
    Assignee: Experian Marketing Solutions, Inc.
    Inventor: David Algranati
  • Patent number: 8671115
    Abstract: The present invention provides a system, method and software for linking persistent and unique business identifiers, associated with business entities, for associating corresponding business records without a loss of historical records, regardless of subsequent changes, updates, and mergers. In the various embodiments, a first business record, of the plurality of business records, is associated with a first business identifier; and a second business record, which does not match the first record, is associated with a second business identifier.
    Type: Grant
    Filed: July 11, 2011
    Date of Patent: March 11, 2014
    Assignee: Experian Marketing Solutions, Inc.
    Inventors: John L. Skurtovich, Jr., Pamela Barrios, Timothy Sumida