Invention Grant
US08229784B2 System and method for targeting transaction account product holders to receive upgraded transaction account products
有权
针对交易账户产品持有人接收升级后的交易账户产品的系统和方法
- Patent Title: System and method for targeting transaction account product holders to receive upgraded transaction account products
- Patent Title (中): 针对交易账户产品持有人接收升级后的交易账户产品的系统和方法
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Application No.: US13220583Application Date: 2011-08-29
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Publication No.: US08229784B2Publication Date: 2012-07-24
- Inventor: Abhinav Kala , Susana Sung-hye Kim , Subhra Shankar Purkayastha , Jill Zucker
- Applicant: Abhinav Kala , Susana Sung-hye Kim , Subhra Shankar Purkayastha , Jill Zucker
- Applicant Address: US NY New York
- Assignee: American Express Travel Related Services Company, Inc.
- Current Assignee: American Express Travel Related Services Company, Inc.
- Current Assignee Address: US NY New York
- Agency: Snell & Wilmer L.L.P.
- Main IPC: G06Q10/00
- IPC: G06Q10/00 ; G06Q30/00

Abstract:
Utilization of information in a closed loop data system further augments modeling while at the same time enabling customization of offers based on spend patterns. Data mining techniques are leveraged to identify rules to determine higher response rate populations. These rules are referred to herein as “triggers,” in that the presence of particular attributes will trigger a cardholder as being more likely to respond to a particular offer. The benefit yielded by this approach is a greater acceptance rate to an offer provided by a transactional account company. To identify the triggers, records of cardmembers who already utilize a given product are analyzed to determine their spend patterns. The spend histories of customers who are eligible to use the product are analyzed according to the identified triggers. Customers whose spend patterns most closely correspond to the triggers are then targeted with offers for the given product.
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Information query