JP2003524236A - System and method for generating a true customer profile - Google Patents

Abstract

SUMMARY The present invention relates to a system and method that first determines a profile for a consumer and then continuously updates this initial profile with or without verifying the initial profile. Thus, the consumption profile, which at any time acts as the "managed" consumer consumption profile, is the customer's latest representative consumption profile and therefore the most representative of the customer's "true" consumption profile at that time. Is assumed to be Therefore, when confirming a customer's consumption profile as the customer's latest representative consumption profile, this profile is considered to be the customer's "true" consumption profile, and later a new management profile is justified. It is referred to as the “true” consumption profile that is the current benchmark for consumers until set.

Description

Detailed Description of the Invention

[0001]

TECHNICAL FIELD OF THE INVENTION

The present invention relates generally to systems and methods for generating "true" customer consumption profiles.

[0002]

[Prior art]

In the area of customer loyalty, several technologies have been proposed to target specific products and / or services to customers. Most of these techniques rely on one of two basic approaches: tracking human behavior in some way, or simply asking one's preferences and using that information to get a profile. Is based.

Instead, several techniques have been proposed which attempt to predict which item in the list will best fit the customer's demand based on previous historical data.

[0004]

[Problems to be Solved by the Invention]

While these technologies have been relatively successful, they have focused on trying to predict which items are best for a customer, but the data obtained by tracking the customer's past consumption behavior. , Or based on published consumer habits outlined by the customer himself.

However, according to the result of the survey, more basic questions such as “is the selected item obtained as a result what the customer“ truely ”sought out or requested?” Are further determined. If this is the case, that is, this finding is not the only one to infer "which option in the list is the best", but rather the "request" that the customer has recognized and published and the same customer that is actually observed. If the similarities and differences between the "demands" of, are identified, correlated, and weighted, the value of the forecasts derived from the above process is significantly increased.

The differences in this approach become more apparent in this description and are the basis of the present invention.

It is an object of the present invention to provide a system and method that first determines a profile for a consumer and then either confirms the first profile or not and continuously updates this first profile. Is. Therefore, the consumption profile that serves as the "managed" consumer consumption profile at any given time is the customer's most recent representative consumption profile, and therefore the most representative of the customer's "true" consumption profile at that time. Is considered to be. Therefore,
When we confirm that a customer's consumption profile is the customer's most recent representative consumption profile, this profile is considered to be that customer's “true” consumption profile, and later a new management profile is justified. Until set, it is referred to as the "true" consumption profile that is the consumer's current benchmark.

[0008]

[Means for Solving the Problems]

According to the invention, this object is achieved by a system for producing a "true" consumption profile of a customer, which system derives from the means of first setting the consumer's conscious consumption behavior profile and the actual behavior. Means for monitoring the consumer's behavior to generate a different consumption profile, and comparing the consumer's conscious consumer behavior profile with the consumption profile obtained from the consumer's actual behavior to identify a match or inconsistency And means for generating a “true” consumer behavior profile of the consumer based on the consumer's conscious consumer behavior profile and the consumer profile obtained from the actual behavior of the consumer.

According to another feature of the invention, this object is achieved by a method of generating a “true” consumption profile of a consumer, which method comprises: (a) determining a consumer's first conscious consumption behavior profile. Enter: (b) track the consumer's actual spending behavior; (c) compare the consumer's initial subjective spending profile with the actual tracked consumer's spending behavior; Generating a consumer "true" consumption profile based on a comparison between the initial conscious consumption profile and the actual tracked consumer consumption behavior.

The above-mentioned purpose is, first and foremost, between the cognitive (psychological) “demand” and the actual (material) “demand” that influence the consumer's consumption decisions. Recognizing the frequent discrepancies that exist in a consumer's perceived consumption profile (requirement) and his actual consumption behavior (representing a combination of both the consumer's conscious “requirement” and his actual “demand”). This is achieved by setting up a correlation bridge with the profile obtained from a very high number of behavior patterns).

[0011]

DETAILED DESCRIPTION OF THE INVENTION

The invention and its advantages will be more readily appreciated from the following non-limiting description of preferred embodiments of the invention and the accompanying drawings. The present invention relates to a method and system for establishing an individual "true" consumer behavior profile. This system is useful for vendors (“users”) who want to know more about their customers, or for those who want to know themselves better.

This process is essentially an industry-specific profiling questionnaire and
Or to an answer given to another industry-specific customer profiling decision tool, actual consumer behavior pattern results obtained by monitoring his behavior during active participation of the customer within that given industry. And the response of the customer when given the agreement and disagreement between the two consumption profiles described above.

The first two sets of data are stored in a database, in which the customer's perceived consumption profile (his "request") (industrial questionnaire and / or another industrial customer profiling decision tool). And the actual consumer behavior profile of the customer (his "demand") (as outlined by monitoring the actual consumer consumption pattern within that same industry) are compared and correlated. A third set of data is identified that is a match and a mismatch identified between these two profiles. Identification of such a third data set often indicates that the consumer's "demand" and "demand" expressions do not match.

In this manner, the matching results observed when analyzing the profile of each individual, or comparing the two profiles, or the matching results observed for the consumer's behavioral behavior response or a combination thereof are weighted. As a result of applying the coefficients and making them more accurate, the "true" consumption profile of the customer can be determined.

Thus, the customer in question can be prompted to answer a set of additional questions at some point just before initiating a potentially consumption-inducing search (the question is also consumption-inducing). It may be done just before the deal is signed, which started from the start of the search). The results for these questions will be
Alternatively, it acts to set the customer's awareness "request" immediately before entering into a transaction contract that started from the start of the consumption guidance search. Thus, the additional benefits gained by setting the customer's "true" consumption profile are doubled.

First, is the customer's current managed consumption profile further confirmed?
Or it needs to be updated. Second, the customer started a consumption-guided search with a feeling that he might or might not match his current benchmark profile, and nevertheless It may be observed that the conclusions are made entirely or partially differently that may or may not match the benchmark profile of that customer. Therefore, these findings can be used to further confirm the currently referenced managed consumption profile, or can act to indicate the need for updating the consumption profile. Under certain conditions, such customers may faithfully follow a completely different but consistent regeneration consumption profile. All of the above acts to better and sharply identify matches and discrepancies between the customer's perceived consumer behavior pattern and his actual consumer behavior pattern compared to it, again allowing the user to identify his client more Can allow you to understand better.

The essence of the method and system of the present invention recognizes the need and, as a result, the psychological and cognitive relationships that exist between the consumer's perceived consumption profile and the consumer's actual consumption profile. Establishing a bridge between the above and material agreements and disagreements (this applies to individuals as well as companies). This system is designed for practical use, where the "true" consumption of a customer is reached by correlating the agreement and disagreement between the customer's perceived "demand" and the actual "demand". Has elaboration with accurate and well-founded profile.

A reverse approach in which the customer's “true” consumption profile is set from an accurate and well-founded elaboration of the consumer's “true” behavioral profile can also be used. .

The design of this system is to continuously correlate and weight (per vendor specific industrial behavior analysis model) the profile obtained from the customer's awareness profile and the actual consumption behavior of that same customer. We use the approach attributed to the matches and mismatches that exist between (which very often reflects the user's "request" and "demand" combinations). Thus, the present invention allows a vendor user to create a comprehensive bridge between the psychological and material differences between an individual's perceived consumption profile and the profile derived from his actual consumption behavior. To be able to
Both the individual's perceived consumption profile and the profile derived from his actual consumption behavior ultimately set a "true" consumption profile that takes into account the difference between the customer's "demand" and "demand". It

The establishment of a bridge between the consumption profile obtained from the customer's awareness and the profile obtained from his actual market consumption behavior results in further satisfying the target customer's “true” consumption behavior profile. Better assessment of the actions and strategies adopted to enable and support.

The system and method according to the preferred embodiment of the present invention first tries to let him describe the consumption profile that the user is aware of (ie, setting the consumer's "request" according to the consumer's awareness). . This is preferably done by answering a few key but sharp questions. These question sets are determined in relation to the industry for which their consumer profile is established. In particular, the questions are tailored for specific industries such as finance, retail (which can be further subdivided into apparel, hardware, computers, etc.) and others.

However, in some circumstances, the “
The "true" consumption profile determines the inferred (ie, supposed to be confirmed) "true" consumption profile for that same customer in a second, completely independent and unrelated industrial environment. Can be wholly or partly dependent on this assumption, which makes it possible to obtain a fast and effective opportunity for mutual marketing.

Further alternatively, the profile can be generated using a consumer tracking model or a historical information base or a combination thereof.

After allowing the consumer to set a specific consumer profile benchmark, the system tracks or surveys the actual consumer behavior pattern of the consumer,
The search for matches and inconsistencies between a consumer's perceived consumption profile and a profile derived from that same consumer's actual consumption behavior is continued, recorded and compared.

Furthermore, by allowing a consumer to re-express his perceived consumer behavior profile shortly before embarking on a consumer-guided search, the consumer's feelings can be felt even at the closest to the actual consumer experience. The consumption profiles can be further compared for existing matches and mismatches. As a result, when the above-mentioned consumption profiles are compared to find a match, and subsequently, these observed items are displayed on the consumer himself / herself, the consumption profile of each individual is analyzed, and each consumption profile is compared. The "true" consumption profile of the consumer is further determined as a result of the weighting factor attributed to the observed match outcome or the consumer behavioral response (or combination thereof) to this match outcome.

Therefore, the longer and wider the use of this system, the more accurately the user's “true” consumption profile is determined, which often leads to misleading customer awareness. Sales and service errors caused by relying on "only" are avoided.

In this way, the result of the ongoing evaluation and reevaluation of the user's profile is that the actual “demand” and “request” of the user (ie, Generate a set of management profile parameters that serve to correctly determine the user and vendor according to the user's "true" consumption profile.

[0028] Thus, a mutual perception between the user (vendor) and his client due to the reliable and quantifiable information that the supplier has about his customers,
There is a sense of trust and integrity.

In an economic environment, this system allows vendors to
Best avoid the inherent pitfalls that arise when servicing a client primarily based on the client's self-statement / awareness "request" rather than proper weighting of "confirmed" demand "and" request ". Clients are often able to adequately capture the infamous trait between what they say they want and what they really need. It's important to remember that what isn't done is the vendor's fault.

Continuous monitoring, checking and updating of consumer benchmark consumption profiles can be done through the use and combination of several potential frameworks, all of which are “behavior is verbal. More eloquent, the word spoken must be based on the notion that it may represent its original intent as perceived.

The following are just a few examples of these recommended frameworks.
The first framework (highly recommended that this framework should always be applied) is at the awareness level and is largely for consumers who are active participants in the profiling / reprofiling process. Depends on. The user interface (specific to the commercial environment) is accessible and easy to use, with a purposeful and researched design that allows the consumer to make a purchase, or just prior to embarking on a consumption-guided search, or actually. During the consumption guidance search, the user is urged to efficiently and easily provide information indicating the consumer's conscious consumption behavior parameter. This collected data is recorded and compared to the currently referenced ongoing benchmark profile. As a result, any and all that exist between the user's actual consumption behavior profile (due to different consumer's unique feelings and different time frames of different expressed consumption experiences) and his perceived consumption behavior profile. Matches and discrepancies can be recorded, potentially updating the consumer's referenced benchmark'true 'consumption profile.

The second proposed framework simply monitors the actual consumer behavior patterns (awareness patterns), thereby continuously evaluating the intended consumer's currently referenced benchmark consumption profile. Configure, review, and update.

The third proposed framework attempts to monitor consumers at a subconscious level. Within the calculated time and situation interval, it represents the vendor-derived consumption profile of that consumer, and the most likely consumer interest area confirms them or reconfirms the consumer's consumption behavior / profile. Forced to ask the consumer to request review and modification.

Optionally, the combination of the results of these frameworks is based on the customer's awareness of "requirement" as well as the re-generation of the customer based on the correlation and weighting of the customer's "true""demand" and "requirement". Acts to best identify and set the behavioral and consumption parameters taken. Thus, a reliable and well-founded consumer “true” consumer behavior profile can be determined, confirmed and supported (eg, an authorized dealership of a vehicle, where potential customers Looking at the coupe, however, the prospective demographics and consumption parameters of its potential customers show a minivan).

The added value produced by such a system design is quadrupled. First, the vendor maintains a detailed understanding database that sets the weights that should be attributed to each or a portion of the consumer's "true""demand" and "request", thereby A sense of integrity can be created between them. As a result, the consumer is not willing to leave the environment that is in good agreement with his "true""demand" and "demand". Second, to a single supplier because the consumer feels he has invested time, money and effort in trying to obtain a "true" consumption profile that is structured for the satisfaction of his own consumption experience. Consumer loyalty is significantly enhanced. Third, the design of the system and its inherent profiling principles provide mutual marketing capabilities. Vendors will almost certainly be able to better direct the cross-selling of others of their products and services to their existing customer base. Customers are better supported,
It can better inform other products and services available to the customer within the same vendor environment. Fourth, the systems and methods it relies on increase the likelihood that an individual customer will make a profit. Customers"
By more accurately defining true "demand" and "demand" goals, a vendor can better direct and configure his product and / or service offerings. A sales approach that incorporates customer sentiment. Can distinguish all the differences at the close of a transaction, and by tracking the evolution of the customer's “true” “demand” and “request” parameters, the vendor will need more of his clients in the future. Can make better decisions in order to better pre-treat the products and services that he / she makes and thus survive at the forefront of the industry providing the products and services of his clients.

In a preferred embodiment of the present invention, the customer makes all the matches and discrepancies that result from a comparison of the customer's conscious consumption behavior profile with the consumption profile obtained from his actual behavior. It is preferable to be recognized. This further strengthens the fidelity between the client and the vendor, as they understand that both the client and vendor parties are invested further towards a solid and mutually beneficial relationship.

Furthermore, it may be convenient for the vendor to engage the customer in a weighted model according to the cognitive “demand” expressed by the customer and his observed “demand” actually observed. . This may encourage the customer to become more and more thoughtful, and thus perhaps more self-aware, as he follows his "true" consumer behavior profile more closely. It also has the added value of notifying the customer in advance that they will experience proportionally or non-proportional dissatisfied consumption as a result of derailment from the customer's current "true" consumption behavior profile.

The primary reason for compelling the customer to recognize the resulting concordances and discrepancies with respect to a comparison of the customer's perceived consumption behavior profile with the consumption profile obtained from his actual behavior is , Because the vendor can further monitor and record the reaction of his customers to the data presented as a result of this system. Thereby, the vendor will unbiasedly monitor his reaction when the customer sees a discrepancy between his self-determined behavioral profile and the behavioral profile obtained from his actual consumption. The customer's “true” consumption behavior pattern, such as “what the customer does” and “what can it show the vendor about the customer's consumer sentiment”? It can be thoroughly analyzed and determined.

The system and method of the present invention will be described below with reference to the accompanying drawings. FIG. 1 shows the main components of the system shown in detail in FIGS. The system according to the preferred embodiment of the present invention comprises a client application 12 connected to a central system 11 by a network 32 such as the Internet. The central system is configured for a particular industrial environment 30 and includes a tracking application 28, a database 34, and a profile matching device 18. As mentioned above, the client first sets the base profile by means of a questionnaire 14, preferably tailored to the particular industry. This questionnaire is used to form the profile 16. When this profile is set through various interactions between the client 12 and the system 11, the tracking application 28 monitors the client's activity continuously, sporadically, or intermittently. This activity is used to build an actual behavioral profile 26 within a particular industry and thus form a profile 24 derived from the activity. Both profiles are compared in a profile matching device 18 to identify matches and inconsistencies between the industry recognition profile 16 and the profile 24 resulting from the activity. These matches and disagreements are preferably sent to the recording device shown to the client. When the client reviewed this record,
His or her reaction to the various points outlined in the record is identified. In this way, the reaction record 20 is obtained, and a new management profile 22 is set based on the industry recognition profile, the profile obtained from the activity, and the reaction record according to various weighting strategies.

Referring now to FIG. 2, the process of the present invention is initiated by the industrial client 101. The first managed consumption behavior profile is set first (107). As mentioned above, this may include the use of industry specific surveys, consumer tracking models or historical information bases.

Referring to FIG. 3, step 107 of setting a first managed consumption behavior profile.
Are shown in more detail. If industry specific questionnaires are used, these results are stored in the database (105) and the industry specific consumption profile is set (109). The result is a consumption profile according to the response obtained in the questionnaire.

The reaction obtained as a result is regarded as the user's conscious consumption behavior pattern,
This further confirms and confirms the exact "true" representation of the profile. Alternatively, if a historical consumption record for that consumer is available and the mechanism for exploring that information is comfortable with respect to its suitability and accuracy, this data will also be used for that customer's historical consumption record. Can be used to set an ongoing consumer spending profile such as To date, it is important to recognize that the identified one cannot be said to be the consumer's "true" consumption profile.

After that, the questionnaire response is recorded and stored. All responses to the questionnaire are recorded and stored under the "Awareness Profile" category in the profile data database. Thereby, this data can be retrieved at any time for comparison, confirmation and decision support. Especially, "comparison"
Useful for assessing "whether what is said is done" compared to "what is actually done", and is "confirmation""what is said being done"? Helps evaluate whether or not, "decision" is "what to do now" or "
Helps evaluate "when to do it."

This data is continuously stored and updated regardless of its age and current suitability. For the system, has the data ever been corrupted?
Or it is important that no data is considered to be no longer relevant.

This system aims to build a “movie-like” illustration, rather than a “snapshot” of the customer's “true” consumption profile that has been and is shown throughout the consumer's life. To do.

Thereby, the evolution of the consumer behavior pattern profile is set,
Further, it can be used to indicate the various stages of the consumption pattern that a particular consumer has made for a particular industry over a specified time period. Past profile parameters may be referred to as possible support for current and future decisions, which may also be unfair advice and / or complaints of client complaints and legal considerations provided by the supplier. May serve as a reference in case of

The data collected within the questionnaire were passed on generally accepted industry standard consumption profile measurement principles such as demographic profiling, psychological and behavioral profiling measurements. It Use of any or all of the above is left to the discretion of the company and / or entity seeking information. The means of assessing the values and weights and assigning them to any and / or all of reaction, agreement, disagreement, and resulting behavioral patterns is left to the company or entity utilizing it. Most organizations will have some preset measurement principle for the classification of the type of consumers with whom they do business.

Referring again to FIG. 2, once this initial managed consumption behavior profile is set, the actual consumption behavior of the user is monitored. It should be recognized that this oversight of behavior can take many different forms. Monitoring can be done, for example, by keeping a record of the various websites visited, the actual purchases made (and their returns, if any), the simulations made, etc. Not limited. It can also include reactions to surveys, biomedical reactions (via appropriate sensors) when listening to music, songs, clips, etc. or watching certain videos. An important feature of the present invention is that the behavior is tracked in some way and this tracking is recorded.

In step 135, block 135, the consumption behavior profile obtained from the user activity is used using historical consumption data (137) or the actual present and future positive consumption behavior of the client. (139) is set. In step 5, the consumer's perceived consumption profile and the profile obtained from actual consumption are compared and matched (block 121). The matches and mismatches identified in block 121 are displayed to that client (block 123).
, User responses to these matches and mismatches are recorded (block 127).
). A new consumer management profile is set (block 131) and thus a new customer service approach is set by the supplier (block 115) based on user response and an appropriate weighting strategy.

From the matching that occurs between the consumer's perceived consumption profile and the actual consumption behavior or motivation profile, as well as all behavioral responses obtained by displaying this matching, the true consumer behavior profile of the consumer Configurable. This is then referred to as the management profile benchmark with which future consumption behavior within that given industry will be compared. This is, of course, until it is revised and a more appropriate consumption profile benchmark is approved and set. This process is of course continuously updated.

Behavior based on the user's actual activity may be from some process (according to step 4) such as information request, consumption behavior, purchase behavior, field of behavior, web surfing behavior, etc., and / or existing. Of the consumer behavior history data can be extracted (according to step 3). The use of the present invention for consumption data allows the consumption behavioral activity of any particular field and / or the currency of the data (
It should be recognized that any start time is considered such and is not limited to the correct start time). All of the respondent's actual activity is recorded and stored in the profile database as the “Actual Behavior Profile” category, which is then compared (according to step 5) to the consumer's “Awareness Consumption Profile”, Be correlated.

As shown in FIG. 4, the monitoring collection and recording of all user activity can include such things as information request, consumption behavior, purchase behavior, behavior fields. As mentioned above, additional data may be collected to further monitor the consumer's sentiment during or immediately prior to a consumption-guided search, or during actual consumption, such as sales or purchases made over the Internet. It should also be recognized.

The consumer's actual spending behavior data and his perceived spending behavior data, and all existing matches and discrepancies resulting from their match, are used for comparison, confirmation and determination, as well as the foregoing. It can be searched at any time in the future to enable the consumer behavior history as a result of changes in consumer evolution to be identified and illustrated.

As mentioned above, most industries set demographic and profiling tools. Therefore, the user's recorded behavioral patterns are compared with profiling tools accepted and made available by the industry (
(According to step 5). This tool does not attempt to set new profiling standards for each industry to which it applies, but rather to experience and customer behavior information that has already been collected and proven to represent the consumer's consumption behavior for that industry. It should be recognized that it depends. If the use of this tool results in a modification to an industry's profiling standards, it is solely for the benefit of its vendor users, not the intended purpose of this tool.

In step 5, the subjective consumption profile and the actual consumption profile are compared. This step is always applied to keep the currently referenced managed benchmark consumption profile consistent with the actual consumption profile. In essence, the basic question asked is "Does the respondent act as he responds to the awareness profile and / or as indicated by the referenced managed benchmark consumption profile?"

The protection of the data representing the matches and inconsistencies that exist between the subjective consumption profile and the profile obtained from the actual behavior is carried out by checking the matches and inconsistencies at various time intervals, at set time intervals, or from the user. May be selected to be shown only at the time of request.

Further, FIG. 7 shows a display of the agreement and non-matching of the existing consumption behavior profiles to the consumer (step 6). These are the predetermined time (1
43) or can be continuously recorded and reported at request time (145)
(141). In all cases, the user profile obtained based on the actual consumption activity is shown to the user (147), and the profile obtained based on the profile obtained from the user's aware consumption profile is also shown. (149). Users are allowed to self-identify profile matches and mismatches.
At the same time, matches and mismatches are set and made explicit (153).

In step 6, the existing matches and mismatches and any regenerated behavior patterns are displayed to the respondent. By doing so, the consumer's consumer behavioral response can be elicited, thus potentially further supporting the identification and setting of the consumer's "true" consumer behavioral profile (
According to step 7). It is recommended that situations in which the respondents' behavioral concordances and discrepancies be announced and / or questions never be lost are lost. When respondents were positively asked about the agreements and disagreements that existed between his perceived consumption profile and his consumption profile resulting from his actual behaviour, enhanced reflection from that would be beneficial. And the benefits of this tool are even greater for both respondents and vendor users. In fact, well-informed customers and vendors have good business relationships.

This allows respondents and industrial users to observe existing matches and inconsistencies, thereby identifying potential adjustments to the control profile. These changes may be made using the industry's standard consumption profiling tools. Other principles may be used, all depending on what best suits the requirements of the respondent and / or industry participant.

Self-identification and self-correction of management profiles that better represent the respondent's “true” behavior almost certainly facilitates better self-awareness of existing matches and inconsistencies, resulting in more conflict in the future. This will encourage an increase in willingness to work without doing anything.

This display highlights the agreements and discrepancies that exist between the subjective consumption profile and the profile derived from actual behavior, and further represents the respondent's “true” behavioral patterns. Exemplify a change in the management profile, thereby tracking, comparing, and generating a more accurate benchmark of what to use to control the consumption behavior of that user. The identification and display of possible adjustments to the management profile can act to support those with adjustment problems in the parameters of the profile that have long been considered to correctly represent consumer behavioral habits. So the tool wasn't obvious to the party who would otherwise review the results first,
Or you can present a factual event that would not have been accepted. Even if the personality is expressed more accurately from another perspective, it is often difficult for a person to try to recognize himself from such a perspective.

In a preferred embodiment of the present invention, the relative weighting factors (specific industry standards) for any and all agreements and discrepancies that exist between the consumer's subjective consumption profile and the profile obtained from that consumer. ) Is given. This weighting can be done according to specific industry standards, specific consumer behavioral standards, consumer behavioral psychology or mere observation, all of which are well known in the art.

Referring now to FIG. 8, in step 7, the user's reaction to matches and mismatches is recorded. Respondents' responses to agreements and discrepancies further give weighting factors to each of the agreements and discrepancies, which agreements and discrepancies should be ignored, as well as during product orientation and development, or service to the customer. It can help you to better judge what to consider when delivering.

These records act (1) to modify the profile obtained from the activity, and / or (2) tailor the behavior to more closely follow the parameters set by the initial awareness management profile. And / or (3) serve to provide the respondent's actual consumption profile as an up-to-date consumer management profile, which is also constantly changing. Remain subject to scrutiny of the “true” (see step 8) consumption profile and continue to be monitored, and / or (4) the respondent chooses to operate in an environment that is inconsistent with his personality, and Helps ensure that all potential inevitable risks are envisioned and documented, thereby ensuring vendor / service Pliers can avoid the complaints of unsatisfactory consumer experience.

There are various options that can affect the management profile and user behavior. The user modifies the behavior to match the activity-based consumption profile (155), and / or the user modifies the awareness profile to match the activity-based consumption profile (157). In both cases, the user tries to match perception with reality (163), which modifies the management profile to more closely represent the habitual activity profile (165). Instead, the user modifies the behavior to match the management profile (167). This block
167 returns to block 163 and therefore the management profile is modified block
Continue to 165. On the other hand, the user does not modify the subjective behavior profile (159), and
Or it matches the consumption profile without modifying the habitual activity (161). Therefore, the management profile is not modified because the user does not try to match the perception with reality.

Referring to FIG. 9, when the management profile is modified to more closely represent the actual habitual activity profile (165), or the actual habitual activity is modified to more closely represent the management profile. (166), a new consumer management profile is set.

In both cases, the industry cognitive behavior profile, which represents the user's true habitual activity, replaces the current management profile. In other words, by matching the consumer's perceived consumption profile with the profile obtained from his actual spending behavior and using all behavioral responses obtained by showing this match, the consumer's true It becomes possible to set the consumption behavior of. It is then referenced as a management profile benchmark against which all future consumer behavior within the given industry is compared.

The consumer's “true” consumption profile identifies and correlates the matches and inconsistencies that exist between the consumer's perceived consumption profile and the profile resulting from his actual consumption behavior, It is set by giving it a weighting factor. As a result, in the future, the consumer may adapt his actual behavioral patterns to more closely represent his “true” consumption profile, or the consumer may have his “true” consumption profile. May continue to act in accord with, which will determine and confirm a matched “true” consumption profile that better represents his actual behavioral pattern.

At this point, the consumer's conscious consumption profile that was matched and the profile obtained from his actual spending behavior, and the behavioral response obtained by displaying this match, resulted in the consumer's “true “Consumer behavior profile” is set and replaced with the original ongoing consumer “awareness” consumption profile obtained from consumer responses to industry questionnaires, historical data, specific industry profile tools, etc. This newly set "true" consumer behavior profile will then be used in the future within that given industry until a revised and more appropriate "true" consumer profile benchmark is approved and set. Referenced as a management profile benchmark against which all of the consumer's consumption behavior is compared. Then, this process is repeated again.

Setting a true profile allows a vendor or user to set an approach to better serve customers.

[Example of System Used in the Financial Intermediary Industry] The following basic parameters (ie, questions) are possible: An investor has an industry-standard investor profile at the time of opening his account. You should be required to complete the questionnaire. The questionnaire may or may not include demographic and / or financial planning data.

The answers to this questionnaire will help set the investor profile as the investor is aware. • It is recommended that this survey include at least the following two questions: What is the required / expected minimum return on investment (return on investment) for the entire portfolio? 2. What is the maximum risk you are willing / tolerable (loss of principal) for the entire portfolio?

Therefore, since the investor's profile is set according to the answers to the questionnaire such as the investor's minimum return on investment and maximum risk tolerance parameter, the latest declarative investor for the investor is set. The profile (as the investor is aware) can be referred to as the initial benchmark investor profile until a new benchmark profile is approved, supported and configured.

All investment soout out
continuous tracking of portfolio performance and / or investment performance and continuing to compare them to the stated minimum return on investment and maximum risk tolerance parameters produces a "true" investor behavior profile. Would help. This "true" investor behavior profile describes the investor's conscious investment return profile, the return on his actual investment behavior, and his reaction to agreement and disagreement between these two profiles. This is the investor's profile considered.

The more faithfully the minimum return on investment and maximum risk tolerance parameters for investment search and portfolio performance are, the more accurate the first answer to the two questions set out below at point A. Therefore, point A can be considered the latest "true" investor profile.

However, if the behavioral patterns and / or investment trading positions in response to the actual search of investment opportunities and the actual performance of the portfolio do not match the answers stated at point A, then they are displayed more correctly and analyzed further. Confirmations can be made to establish a “true” investor profile that is impossible.

Once a more appropriate and accurate set of investor profile parameters have been established and confirmed based on the investor's actual investment behavior patterns, these new parameters can be used to determine the total investment pursuit opportunity, portfolio performance and / or Introduced as the latest point of reference to investment performance. In this way, the system continues to readjust its investor profile management parameters to represent the most appropriate and accurate profile.

Briefly, the use of the proposed system provides a continuous set of investor profiles derived from the investor's awareness and the investor profiles derived from his actual investing behaviour. And a continuous comparison of his reaction to industry-accepted weights attributed to the congruences and disagreements that exist between them. As a result, a clear and accurate picture of the investor's control profile parameters (the “true” investor profile) is constructed in the system, and all its monitoring, comparison, tracking, evaluation, alert and search functions are managed. Can be used to

Investors are also prompted to answer some questions immediately before embarking on an investment-guided search and / or just before making an actual investment decision. An example of a question specific to a particular investor may include: How long do you intend to hold this position? (That is, how long is the investment time frame?) 4. Who or what do you prefer? 5. What is the purpose of this particular investment / potential investment opportunity?

Therefore, these findings further reflect (i) the expectations (ie, “requests”) perceived by the customer immediately prior to undertaking an investment-guided search and / or immediately prior to undertaking a transaction resulting from the undertaking of an investment-guided search. Acts to set, (ii) acts to further confirm what is referred to the current managed investor profile, or (iii)
It can act to indicate the need to update the investor profile. (Under certain conditions, the investor is completely different,
curring) is not considered to follow the investor profile faithfully).

[0081]    Below are examples of answers to various questions: Point: A [Answer to the questionnaire] 1. What is the minimum return on investment required / expected? 10% 2. What is the maximum acceptable risk? 5% 3. How long is your investment / portfolio? 5 years 4. Who do you think is preferable? Analyst 5. What is the purpose of the portfolio / investment? Life after retirement   The answer shows a << conservative >> investment stance.

[0082] Point: B [Actual behavior pattern] 1. What is the lowest return on investment actually involved? 17% 2. What is the maximum risk actually allowed? 9% 3. How long has the investment / portfolio actually continued?                                                           6 months 4. Who is the actual contact? Brother 5. What is the actual purpose of the portfolio / investment determined by investor behavior?                                                         Increased assets   The actual investment behavior shows << investment increase >> investment stance.

Points: C [Resultant “True” Investor Profile] 1. What is the minimum return on investment actually pursued? 17% 2. What is the maximum risk actually allowed? 9% 3. What is the actual duration of your investment / portfolio? 6 months 4. Who is the actual contact? Family 5. What is the actual purpose of the portfolio / investment determined by reviewing the investor's actual investment behavior? Increasing wealth The “true” investor profile may show: • A balanced investment stance, with confirmation from familiar and trusted sources. Rapid investment turnarounds and volatility can be tolerated, but these need to be well managed, but can ultimately discourage initial investment decisions.

Points A and B can continue to be tracked and compared to determine the set of determinant parameters obtained from actual behavior and set point C. Point C is the result of a match, the weights attributed to the matches and mismatches that exist between points A and B, and the investor's reaction to these existing weighted matches and mismatches. Point C, the latest "true" indication of an investor's current actual investment behavior
Can act as a benchmark "true" investor profile. This is until the new, more “true” investor profile is justified.

As a result, a strong sense of the customer can be created for the service platform based on the intermediary's awareness and understanding of the investor's “true” demands and demands with appropriate support.

The profiling platform provides the ability to tie the database selected by its provider (industry specific) to the client for use with a large number of products / services / opportunities. Therefore, the tool can seek out opportunities and provide them to investors based on their “true” investor profile, which means that their “true” investor profile is Because they are constantly monitored to ensure that they represent the “true” investor behavior accurately and properly. Hence, and in addition, the tool is the result of recording the investor's response to an indication of the opportunities that are considered optimal for the investor's "true" profile (based on a particular industry standard). Provides the ability to identify a “true” investor profile. In addition, the “true” investor profile it currently represents is identified and / or disproved and the process continues.

In practice, the system also operates as follows: the investor's "true" investor profile shows the customer-linked internet stock and thus the system shows "YAHOO". -Scenario 1: Investor purchases "YAHOO". The “true” profile of investors is respected. Therefore, the system can further confirm the profile of the “real” investors currently in control.

Scenario 2: Investors do not buy "YAHOO". Investor “true”
The profile has not, to date, been fully and accurately respected, and thus the ongoing tracking of the investor's actual investment behavior will continue.

1. Set the initial progress management consumption behavior profile according to consumer awareness. (This may include the use of specific industry questionnaires for specific modifications to set the appropriate ongoing managed consumption profile).

2. Setting the actual profile of the consumer according to the actual active consumer behavior of the consumer. (This may include using the consumer's consumer behavior data history and / or tracking the current and future consumer's actual active consumer behavior).

3. Comparison and agreement between the consumption profile obtained from the consumer's awareness and the profile obtained from his actual consumption.

4. Display of existing consumer behavior profile matches and discrepancies to consumers.

[0093]    5. A record of user reaction to existing profile matches and mismatches.

6. New consumer management profile (consumer's "true" consumption profile)
settings of.

A match between the consumption profile obtained from the consumer's awareness and the profile obtained from his actual consumption behavior, as well as the response to all behaviors generated by displaying this match, It will be possible to set a “true” consumer behavior profile (replace the consumer's first awareness of the first progress management consumption behavior profile, which in turn will drive future consumption within that given industry. It is referred to as a management profile benchmark against which all of the behaviors are compared; again, until a revised and more appropriate “true” consumer consumption profile benchmark is approved and set, and the process is repeated again. Be done.

The consumer's managed consumption profile is continuously monitored and updated so that it represents the consumer's “true” consumption behavior pattern.

7. Suppliers set a new customer service approach (based on the customer's "true" consumer behavior profile).

Although the present invention has been described above with reference to the preferred embodiments of the present invention, any modification to the preferred embodiments within the scope of the appended claims alters the technical scope of the present invention. is not.

[Brief description of drawings]

[Figure 1]   1 is a schematic diagram of a system according to a preferred embodiment of the present invention.

[Fig. 2]   FIG. 6 is a block diagram of a method according to a preferred embodiment of the present invention.

[Figure 3]   FIG. 6 is a block diagram of a method according to a preferred embodiment of the present invention.

[Figure 4]   FIG. 6 is a block diagram of a method according to a preferred embodiment of the present invention.

[Figure 5]   FIG. 6 is a block diagram of a method according to a preferred embodiment of the present invention.

[Figure 6]   FIG. 6 is a block diagram of a method according to a preferred embodiment of the present invention.

[Figure 7]   FIG. 6 is a block diagram of a method according to a preferred embodiment of the present invention.

[Figure 8]   FIG. 6 is a block diagram of a method according to a preferred embodiment of the present invention.

[Figure 9]   FIG. 6 is a block diagram of a method according to a preferred embodiment of the present invention.

─────────────────────────────────────────────────── ─── Continued front page    (81) Designated countries EP (AT, BE, CH, CY, DE, DK, ES, FI, FR, GB, GR, IE, I T, LU, MC, NL, PT, SE, TR), OA (BF , BJ, CF, CG, CI, CM, GA, GN, GW, ML, MR, NE, SN, TD, TG), AP (GH, G M, KE, LS, MW, MZ, SD, SL, SZ, TZ , UG, ZW), EA (AM, AZ, BY, KG, KZ, MD, RU, TJ, TM), AE, AG, AL, AM, AT, AU, AZ, BA, BB, BG, BR, BY, B Z, CA, CH, CN, CR, CU, CZ, DE, DK , DM, DZ, EE, ES, FI, GB, GD, GE, GH, GM, HR, HU, ID, IL, IN, IS, J P, KE, KG, KP, KR, KZ, LC, LK, LR , LS, LT, LU, LV, MA, MD, MG, MK, MN, MW, MX, MZ, NO, NZ, PL, PT, R O, RU, SD, SE, SG, SI, SK, SL, TJ , TM, TR, TT, TZ, UA, UG, UZ, VN, YU, ZA, ZW

Claims (25)

[Claims] 1. First, means for setting a consumer's awareness of consumption behavior profile, means for monitoring the behavior of the consumer to generate a consumption profile obtained from actual behavior, and awareness of the consumer. A means of comparing the consumption behavior profile with the consumption profile obtained from the consumer's actual behavior to identify a match or inconsistency; the consumer's aware consumption behavior profile and the consumption profile derived from the consumer's actual behavior; And a means for generating a consumer's "true" consumption behavior profile based on. 2. Further comprising means for attributeing the appropriate weights to a match and a mismatch between the consumer's conscious consumer behavior profile and the consumer profile obtained from the tracked actual behavior of the consumer. The system of claim 1, wherein: 3. The means for comparing the initial consumer profile with the tracked behavior of the consumer comprises: between the initial ongoing consumer profile and the tracked behavior of the consumer. 3. The system of claim 2 including means for recording match and discrepancy in the reaction record. 4. The system of claim 3, wherein the true consumption profile is generated based on the reaction record. 5. The system of claim 1, wherein the comparing means is sporadically activated. 6. The system of claim 1, wherein the comparing means is activated at a predetermined time. 7. The system of claim 1, wherein the comparing means is continuously activated. 8. The system of claim 3, wherein the "true" consumption profile is continuously updated and used by the means for comparing after the initial profile is set. 9. The system of claim 1, wherein the means for establishing an initial consumer awareness profile includes a questionnaire answered by the consumer. 10. The system of claim 1, wherein the means for tracking the actual consumption pattern behavior of the consumer includes means for tracking inquiries and purchases. 11. The system of claim 10, wherein the means for tracking the behavior of the consumer further comprises means for tracking a simulation. 12. The system of claim 1, wherein the "true" consumption profile is used to set an accurate consumer service approach by a vendor user of the system. 13. The questionnaire is a questionnaire for a specific industry.
The system described. 14. The system of claim 1, wherein the initial consumer profile is generated from existing historical data. 15. The system of claim 3, wherein the "true" consumption profile is modified or independent of the consumer's reaction. 16. The system of claim 1, wherein the “true” consumption profile is used to offer a product or service to the consumer. 17. The system of claim 2, wherein the suitable weight is an industry approved weight. 18. (a) inputting a consumer's first conscious consumption behavior profile; (b) tracking the consumer's actual consumption behavior; (c) actually consuming the consumer's first conscious consumption profile. (D) based on the comparison between the consumer's initial perceived consumption profile and the actual tracked consumer's consumption behavior, the consumer's "true" consumption. A method of generating a consumer "true" consumption profile including the step of generating a profile. 19. The method of claim 18, wherein step (c) further comprises recording matches and mismatches in a reaction record. 20. The method of claim 18, wherein step (a) includes the step of providing a consumer specific industry questionnaire. 21. The method of claim 18, wherein step (a) includes using existing historical data. 22. The method of claim 18, wherein step (c) further comprises the step of indicating to the match and disagreement to them to obtain a response from the consumer. 23. The method of claim 22, wherein the "true" consumption profile is modified or independent of reaction from its user. 24. The step (c) attributes the appropriate weights to the matches and inconsistencies existing between the original consumer's conscious consumer behavior profile and the tracked actual behavior of the consumer. 19. The method of claim 18, further comprising steps. 25. The system of claim 1, wherein the initial consumer profile is generated by an industry specific profiling tool.