| EXPERIAN MARKETING SOLUTIONS, INC. Patent applications |
| Patent application number | Title | Published |
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| 20120084230 | USING COMMERCIAL SHARE OF WALLET TO RATE INVESTMENTS - Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. A mutual fund rating company can use this CSoW/CSoSW modeling approach to predict the performance of funds that invest in a particular industry or sector. In addition, since mutual funds often provide guidelines for selecting stocks, rating companies can use this modeling approach to predict the performance of companies in a fund's portfolio. | 04-05-2012 |
| 20120078932 | System, Method and Software for Providing Persistent Entity Identification and Linking Entity Information in an Integrated Data Repository - 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. Subsequently, when the first business identifier and the second business identifier are determined to correspond to a singular business entity, the first business identifier and the second business identifier are linked, and respective associations of the first business record and the second business record with the linked first business identifier and second business identifier are maintained, with corresponding source references, and collectively utilized in subsequent search and match determinations. | 03-29-2012 |
| 20110289190 | SERVICE FOR ASSOCIATING IP ADDRESSES WITH USER SEGMENTS - A system is disclosed that maps 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 IP addresses. | 11-24-2011 |
| 20110060905 | SYSTEMS AND METHODS FOR PROVIDING ANONYMIZED USER PROFILE DATA - 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. | 03-10-2011 |
| 20100325142 | Software and Metadata Structures for Distributed And Interactive Database Architecture For Parallel And Asynchronous Data Processing Of Complex Data And For Real-Time Query Processing - 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. A plurality of processing nodes are adapted to use the plurality of selectable parameters to assemble a first plurality of data from the first and second data repositories and from input data, to reduce the first plurality of data to form a second plurality of data, and to aggregate and dimension the second plurality of data for storage in the multidimensional data structure. | 12-23-2010 |
| 20100299246 | SYSTEMS AND METHODS FOR DETERMINING THIN-FILE RECORDS AND DETERMINING THIN-FILE RISK LEVELS - 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. | 11-25-2010 |
| 20100211593 | System, Method and Software for Providing Persistent Business Entity Identification and Linking Business Entity Information in an Integrated Data Repository - 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. Subsequently, when the first business identifier and the second business identifier are determined to correspond to a singular business entity, the first business identifier and the second business identifier are linked, and respective associations of the first business record and the second business record with the linked first business identifier and second business identifier are maintained, with corresponding source references, and collectively utilized in subsequent search and match determinations. | 08-19-2010 |
| 20100094758 | SYSTEMS AND METHODS FOR PROVIDING REAL TIME ANONYMIZED MARKETING INFORMATION - Embodiments disclosed herein are directed to systems and methods for enabling the matching of third party data with access providers' subscriber data in a privacy compliant manner, and then connecting an internet user to that third party data for use by marketers, content providers, or other interested parties in a manner that protects consumer privacy at all times. In one embodiment, an access provider such as an ISP sends its subscriber data to a double blind processor that generates an encrypted key for each subscriber. The key is then used to find matching consumer data, for example, consumer segments that represent previously collected or modeled consumer attitudinal, habit, or financial data. The key may be forwarded to a real time marketing bureau, which may use the matched data in subsequent real-time or substantially real-time operations to provide consumer or business data to advertisers, content providers, and other interested parties. | 04-15-2010 |
