Method, system, and computer program product for linking customer information

Information

  • Patent Application
  • 20070192122
  • Publication Number
    20070192122
  • Date Filed
    September 29, 2006
    19 years ago
  • Date Published
    August 16, 2007
    18 years ago
Abstract
In a business where a database tracks customers and manages customer accounts, a method and system correctly link accounts with customers. The method entails reading customer information for a first customer and for a second customer, and then utilizing personal identification information obtained from other sources to determine if the first customer is the same as the second customer. If the first customer and the second customer are the same person, the first customer and the second customer are identified as being the same unique person. Accounts associated with the two customers are identified as belonging to the same unique person. Viewed another way, the method and system of the present invention takes an existing database of personal identification information, and cross-references that database against other sources of personal identification information to identify persons who appear to be separate persons, but who are actually one and the same individual.
Description

BRIEF DESCRIPTION OF THE DRAWINGS/FIGURES

The features and advantages of the present invention will become more apparent from the detailed description set forth below when taken in conjunction with the drawings in which like reference numbers indicate identical or functionally similar elements. Additionally, the left-most digit or digits of a reference number identifies the drawing in which the reference number first appears.



FIG. 1 is a system diagram of an exemplary business intranet environment and external network and database environment in which the present invention, in an embodiment, would be implemented.



FIG. 2A is a flowchart illustrating a customer linking and identification capability (CLIC) process according to one embodiment of the present invention.



FIG. 2B is a flowchart illustrating a CLIC process according to an enhanced version of the embodiment of the present invention illustrated in FIG. 2A, showing additional steps which may be advantageous to perform.



FIG. 3 is a system diagram illustrating possible sources of internal customer account data at a representative business, and further illustrating the consolidation and filtering of that data into the consolidated database.



FIG. 4 is an example of representative customer account data being imported into the consolidated database.



FIG. 5A is a system diagram illustrating possible sources of external personal identification information, and further illustrating the importing of that data into the centralized repository for external data via a matching and filtering process.



FIG. 5B is a block diagram illustrating representative criteria that may be used in an embodiment of the invention to determine which external data corresponds to customer data in the internal consolidated database, and therefore which external data should be imported into the centralized repository for external data.



FIG. 6 is an example of representative external personal identification information which is matched and filtered for import into the centralized repository for external data.



FIG. 7 is a flow chart of a method by which linkage recommendations are made, and linkages established, between customers and customer accounts in one embodiment of the present invention.



FIG. 8 is a block diagram showing both the flow of data and the data processing entailed in making an initial linkage recommendation in an embodiment of the present invention.



FIG. 9A is an example of how the initial rules may be applied to analyze external personal identification data in relation to a customer listed in the consolidated database.



FIG. 9B is an example of how the initial rules may be applied to link two customer accounts.



FIG. 10A is a first example of a secondary linking rule, and the application of the rule to a customer linkage.



FIG. 10B is a second example of a secondary linking rule, and the application of the rule to a customer linkage.



FIG. 11A is a flowchart showing the detailed steps of the linkage recommendations involved in steps 704 and 710.



FIG. 11B is a flowchart showing the detailed steps for linking customer records, formerly treated as separate customers, so that they are one unique customer, and also linking the appropriate customer accounts to the one unique customer.



FIG. 12 is an alternative representation of a customer linking and identification capability method.



FIG. 13 illustrates two examples of corrections required due to overlink errors or underlink errors.



FIG. 14 illustrates the hierarchy of linking rules in a CLIC process which employs multiple stages of rules processing.



FIG. 15 is a block diagram of an exemplary computer system useful for implementing the present invention.


Claims
  • 1. A method of linking customer accounts, comprising: (a) collecting internal customer account data into a consolidated database;(b) searching an external database for personal identification information related to the internal customer account data; and(c) analyzing the internal customer account data and the personal identification information to create a linkage between customer accounts.
  • 2. The method of claim 1, further comprising: identifying at least one customer account in the consolidated database; andidentifying at least one unique customer in the consolidated database.
  • 3. The method of claim 2, wherein step (b) comprises searching the external database for personal identification information which corresponds to the at least one unique customer.
  • 4. The method of claim 3, wherein the personal identification information which corresponds to the at least one unique customer is determined using a matching criteria and a filtering criteria, wherein the matching criteria and the filtering criteria are based on criteria comprising at least one of a name, a home address, a business address, a social security number, a date of birth, a home phone number, a business phone number, a cell phone number, an e-mail address, a drivers license number, an account name, or an account number of the at least one unique customer in the consolidated database.
  • 5. The method of claim 2, wherein step (c) comprises: (i) assigning a unique persistent ID to each unique customer;(ii) assigning to each customer account the persistent ID of the unique customer associated with the account.
  • 6. The method of claim 1, wherein step (c) comprises: (i) analyzing the consolidated database according to an initial set of linking rules;(ii) making an initial linkage recommendation for multiple customer accounts based on step (i);(iii) analyzing the initial linkage recommendation according to a secondary set of linking rules;(iv) making a secondary linkage recommendation for multiple customer accounts based on step (iii); and(v) producing a final account and customer identification linkage based on step (iv).
  • 7. The method of claim 6, wherein step (c) further comprises: (vi) performing manual linkages or delinkages between multiple customer accounts.
  • 8. The method of claim 7, wherein step (c)(vi) comprises: establishing a linkage hierarchy, wherein the manual linkages or delinkages override the secondary linkage recommendation, and the secondary linkage recommendation overrides the initial linkage recommendation.
  • 9. The method of claim 6, wherein step (c)(ii) comprises: (1) identifying a set of customers as a single unique customer, wherein each customer in the set of customers was previously identified as being unique;(2) recommending that all customers in the set be consolidated into a single unique customer; and(3) recommending that all customer accounts associated with the customers in the set be linked with the single unique customer.
  • 10. The method of claim 6, where step (c)(iii) comprises at least one of a step of matching customer accounts having an exact match on a name and social security number associated with the customer accounts and having no generation code conflict between the customer accounts, or a step of matching customer accounts having an exact match on a name and address associated with the customer accounts and having no generation code conflict or social security number conflict between the customer accounts.
  • 11. The method of claim 6, wherein step (c)(v) comprises: establishing a hierarchy of linkage recommendations, wherein the secondary linkage recommendation overrides the initial linkage recommendation.
  • 12. A method of linking customer accounts belonging to a customer, comprising: (a) reading a personal identification information for a first customer who is an account owner of a first account and a personal identification information for a second customer who is an account owner of a second account;(b) searching a database for personal identification information which is related to the personal identification information of the first customer;(c) determining that the first customer is the same unique customer as the second customer based on an analysis of the personal identification information for the first customer, the personal identification information for the second customer, and the personal identification information which is related to the personal identification information of the first customer; and(d) linking the first account to the second account.
  • 13. The method of claim 12, wherein step (a) further comprises collecting internal customer accounts into a consolidated database.
  • 14. The method of claim 12, wherein step (b) comprises searching an external database.
  • 15. The method of claim 12, wherein step (c) comprises analyzing the personal identification information according to a set of linking rules.
  • 16. The method of claim 15, wherein the linking rules are based on criteria comprising at least one of a name, a home address, a business address, a social security number, a date of birth, a home phone number, a business phone number, a cell phone number, an e-mail address, a drivers license number, an account name, or an account number of the personal identification information for the first customer, the personal identification information for the second customer, or the personal identification information which is related to the personal identification information of the first customer.
  • 17. The method of claim 16, wherein a hierarchy exists among the rules in the set of linking rules, wherein a determination made by a linking rule higher in the hierarchy overrides a determination made by a linking rule lower in the hierarchy.
  • 18. The method of claim 12, wherein step (d) comprises: (i) assigning a unique persistent ID to the unique customer;(ii) assigning to the first account and to the second account the unique persistent ID of the unique customer.
  • 19. The method of claim 12 further comprising performing manual linkages or delinkages between multiple customer accounts.
  • 20. The method of claim 12, wherein step (b) further comprises searching the database for personal identification information which is related to the personal identification information of the second customer, and wherein step (c) further comprises determining that the first customer is the same unique customer as the second customer based on an analysis of the personal identification information for the first customer, the personal identification information for the second customer, the personal identification information which is related to the personal identification information of the first customer, and the personal identification information which is related to the personal identification information of the second customer.
  • 21. A system for linking customer accounts belonging to a customer, comprising: a processor; anda memory in communication with the processor, the memory storing a plurality of processing instructions for directing the processor to:read a personal identification information for a first customer who is an account owner of a first account and a personal identification information for a second customer who is an account owner of a second account;search a database for personal identification information which is related to the personal identification information of the first customer;determine that the first customer is the same unique customer as the second customer based on an analysis of the personal identification information for the first customer, the personal identification information for the second customer, and the personal identification information which is related to the personal identification information of the first customer; andlink the first account to the second account.
  • 22. The system of claim 21, wherein the instructions to read a personal identification information for a first customer who is an account owner of a first account and a personal identification information for a second customer who is an account owner of a second account further comprise instructions to direct the processor to collect internal customer accounts into a consolidated database.
  • 23. The system of claim 21, wherein the instructions to search a database for personal identification information which is related to the personal identification information of the first customer further comprise instructions to direct the processor to search an external database.
  • 24. The system of claim 21, wherein the instructions to determine that the first customer is the same unique customer as the second customer based on an analysis of the personal identification information for the first customer, the personal identification information for the second customer, and the personal identification information which is related to the personal identification information of the first customer further comprise instructions to direct the processor to analyze the personal identification information according to a set of linking rules.
  • 25. The system of claim 24, wherein the linking rules are based on criteria comprising at least one of a name, a home address, a business address, a social security number, a date of birth, a home phone number, a business phone number, a cell phone number, an e-mail address, a drivers license number, an account name, or an account number of the personal identification information for the first customer, the personal identification information for the second customer, or the personal identification information which is related to the personal identification information of the first customer.
  • 26. The system of claim 25, wherein a hierarchy exists among the rules in the set of linking rules, wherein a determination made by a linking rule higher in the hierarchy overrides a determination made by a linking rule lower in the hierarchy.
  • 27. The system of claim 21, wherein the instructions to link the first account to the second account comprise instructions to direct the processor to: assign a unique persistent ID to the unique customer; andassign to the first account and to the second account the unique persistent ID of the unique customer.
  • 28. The system of claim 21 further comprising instructions to direct the processor to accept input from a human operator, whereby the human operator performs manual linkages or delinkages between multiple customer accounts.
  • 29. The system of claim 21, wherein the instructions to search a database for personal identification information which is related to the personal identification information of the first customer further comprise instructions to direct the processor to search the database for personal identification information which is related to the personal identification information of the second customer, and wherein the instructions to determine that the first customer is the same unique customer as the second customer based on an analysis of the personal identification information for the first customer, the personal identification information for the second customer, and the personal identification information which is related to the personal identification information of the first customer further comprise instructions to the processor to determine that the first customer is the same unique customer as the second customer based on an analysis of the personal identification information for the first customer, the personal identification information for the second customer, the personal identification information which is related to the personal identification information of the first customer, and the personal identification information which is related to the personal identification information of the second customer.
  • 30. A computer program product comprising a computer usable medium having control logic stored therein for causing a computer to link customer accounts belonging to a customer, said control logic comprising: first computer readable program code means for causing the computer to read a personal identification information for a first customer who is an account owner of a first account and a personal identification information for a second customer who is an account owner of a second account;second computer readable program code means for causing the computer to search a database for personal identification information which is related to the personal identification information of the first customer;third computer readable program code means for causing the computer to determine that the first customer is the same unique customer as the second customer based on an analysis of the personal identification information for the first customer, the personal identification information for the second customer, and the personal identification information which is related to the personal identification information of the first customer; andfourth computer readable program code means for causing the computer to link the first account to the second account.
  • 31. The computer program product of claim 30, wherein said first computer readable program code means further comprises: fifth computer readable program code means for causing the computer to collect internal customer accounts into a consolidated database.
  • 32. The computer program product of claim 30, wherein said second computer readable program code means further comprises: sixth computer readable program code means for causing the computer to search an external database.
  • 33. The computer program product of claim 30, wherein said third computer readable program code means further comprises: seventh computer readable program code means for causing the computer to analyze the personal identification information according to a set of linking rules.
  • 34. The computer program product of claim 33, wherein the linking rules are based on criteria comprising at least one of a name, a home address, a business address, a social security number, a date of birth, a home phone number, a business phone number, a cell phone number, an e-mail address, a drivers license number, an account name, or an account number of the personal identification information for the first customer, the personal identification information for the second customer, or the personal identification information which is related to the personal identification information of the first customer.
  • 35. The computer program product of claim 33, wherein a hierarchy exists among the rules in the set of linking rules, wherein a determination made by a linking rule higher in the hierarchy overrides a determination made by a linking rule lower in the hierarchy.
  • 36. The computer program product of claim 30, wherein said fourth computer readable program code means further comprises: eighth computer readable program code means for causing the computer to assign a unique persistent ID to the unique customer;ninth computer readable program code means for causing the computer to assign to the first account and to the second account the unique persistent ID of the unique customer.
  • 37. The computer program product of claim 30, further comprising tenth computer readable program code means to accept input from a human operator, whereby the human operator performs manual linkages or delinkages between multiple customer accounts.
  • 38. The computer program product of claim 30, wherein said second computer readable program code means further comprises eleventh computer readable program code means for causing the computer to search the database for personal identification information which is related to the personal identification information of the second customer, and wherein said third computer readable program code means further comprises twelfth computer readable program code means for causing the computer to determine that the first customer is the same unique customer as the second customer based on an analysis of the personal identification information for the first customer, the personal identification information for the second customer, the personal identification information which is related to the personal identification information of the first customer, and the personal identification information which is related to the personal identification information of the second customer.
Provisional Applications (1)
Number Date Country
60722038 Sep 2005 US