Method and system to identify and target consumers based on...

Details Method and system to identify and target consumers based on... Method and system to identify and target consumers based on...

2011-06-21

2011-06-21

Poinvil, Frantzy (Department: 3691)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Discount or incentive

C705S030000

Reexamination Certificate

active

07966216

ABSTRACT:
In accordance with one embodiment, a system and method for providing consumers marketing devices based on their use of supplementary income includes obtaining consumer financial data associated with a given “consumer” from one or more sources. At least part of the consumer financial data is then analyzed to determine if the given consumer typically receives supplementary income and, if so, how the consumer typically treats any supplementary income received. A supplementary income profile is then created for the given consumer. Data representing the supplementary income profile for the given consumer is then stored and at least part of the data representing the supplementary income profile for the given consumer is provided to one or more product marketers. One or more product marketers then provide a marketing device to the given consumer. The marketing device itself, and/or the time when the marketing device is provided to the given consumer, and/or the terms of the marketing device, is/are based, at least in part, on the data representing the supplementary income profile for the given consumer provided to one or more product marketers and analysis of the data representing the supplementary income profile for the given consumer performed by the product marketers.

REFERENCES:
patent: 7130813 (2006-10-01), Enright
patent: 7403906 (2008-07-01), Coleman
patent: 7493267 (2009-02-01), Walker et al.
patent: 2003/0233278 (2003-12-01), Marshall
patent: 2006/0212380 (2006-09-01), Williams et al.
patent: 2007/0100778 (2007-05-01), Enright

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