Digital Prescreen Targeted Marketing via Anonymous Authentication

Resolve Bottlenecks,
Find Innovative SolutionsGenerate Solutions

Solution Overview

Problem

Existing targeted marketing systems struggle to accurately identify and match targeted individuals with personalized marketing offers, particularly for credit and financial services, due to anonymous browsing data and multiple users sharing devices, limiting the ability to ensure offers are delivered to the correct recipient.

Innovation Solution

A system and method that creates a prescreened list of individuals for targeted marketing by using anonymous cookie data to authenticate users, matching online browsing behavior with credit data, and ensuring that only authenticated individuals receive personalized offers, such as credit promotions, through a networked processing engine and database system.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If anonymous browsing data is used for targeted marketing, then user privacy is protected and data collection is easier, but the ability to accurately identify and match targeted individuals with marketing offers deteriorates

Engineering Contradiction:
Improveaccuracy of identifying targeted individualsVSAvoidcomplexity of authentication system
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The system performs prescreening and creates a targeted list of individuals in advance using anonymous browsing data and credit data matching. This preliminary action allows the system to pre-identify potential targets before the actual marketing campaign, resolving the contradiction by preparing the matching framework beforehand rather than attempting real-time identification during offer delivery.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent introduces an intermediary authentication system that acts as a bridge between anonymous browsing data and identified individuals. The intermediary component verifies user identity at the time of offer presentation, allowing the system to maintain anonymous data collection while ensuring accurate identification when needed, thus resolving the reliability-complexity contradiction.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Productivity

If traditional direct mail prescreen offers are used, then offer delivery to correct recipients is ensured, but the speed and efficiency of marketing campaigns deteriorates

Engineering Contradiction:
Improvespeed of marketing campaign deliveryVSAvoidaccuracy of recipient identification
Core Design Contradiction:
ProductivityVSReliability

Solution Approach 1:

The system replaces the mechanical traditional direct mail process with an electronic digital delivery system. By substituting physical mail with electronic offers delivered through websites and devices, the system achieves near-instantaneous delivery speed while maintaining reliability through integrated authentication and prescreening mechanisms that verify recipient identity before offer presentation.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system performs prescreening and creates a targeted list of individuals in advance using anonymous browsing data and credit data matching. This preliminary action allows the system to pre-identify potential targets before the actual marketing campaign, resolving the contradiction by preparing the matching framework beforehand rather than attempting real-time identification during offer delivery.

Inventive Principle:
Principle #10Preliminary action

3Reliability

If multiple people use a single device, then device utilization is optimized, but the ability to ensure offers are delivered to the correct individual deteriorates

Engineering Contradiction:
Improveaccuracy of offer delivery to correct individualVSAvoidease of electronic offer delivery
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The patent introduces an intermediary authentication system that acts as a bridge between anonymous browsing data and identified individuals. The intermediary component verifies user identity at the time of offer presentation, allowing the system to maintain anonymous data collection while ensuring accurate identification when needed, thus resolving the reliability-complexity contradiction.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system applies different quality requirements to different stages of the marketing process. Anonymous browsing data is sufficient for initial prescreening and targeting, while authenticated identity verification is applied locally at the moment of offer delivery. This localized application of identity verification ensures accurate offer delivery to the correct individual without requiring continuous authentication throughout the user journey.

Inventive Principle:
Principle #3Local quality

4Productivity

If personalized marketing offers are created for each individual, then marketing effectiveness is improved, but the cost and complexity of data processing increases

Engineering Contradiction:
Improveeffectiveness of marketing campaignVSAvoidcomplexity of data processing system
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The system segments the marketing process into distinct stages: initial prescreening using anonymous browsing data, creation of targeted lists, and final offer delivery with authentication. By segmenting the process, the system can use simpler data processing methods for bulk prescreening and reserve complex authentication and personalized offer generation for the smaller, targeted group of potential recipients, thus improving effectiveness while controlling processing complexity.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The system performs prescreening and creates a targeted list of individuals in advance using anonymous browsing data and credit data matching. This preliminary action allows the system to pre-identify potential targets before the actual marketing campaign, resolving the contradiction by preparing the matching framework beforehand rather than attempting real-time identification during offer delivery.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS9996856B2Digital prescreen targeted marketing system and method
Publication Date: 2018.06.12 TRANS UNION LLC

AI summary

A system and method for electronically providing targeted marketing to a targeted individual is disclosed. An plurality of individuals prescreened to be targeted with targeted marketing is created but such individuals are anonymous to the offerer of the targeting marketing until the offerer is provided with an indication that each targeted individual has been authenticated and is among those that have been prescreened to receive the offer, at which time the offerer may electronically provide and fulfill the offer.