| 摘要 |
A method and system for determining a next best offer utilizes a data layer, two consumer data hubs, and a decision engine. The data layer includes numerous sources of consumer data, such as transaction data, past campaign response data, demographic data, predictive or propensity data, and real-time data such as website clickstreams. Separate consumer data hubs are used for data records that include personally identifiable information (PII) and those that do not. By using separate data hubs in this manner, online anonymous data may be used for targeting marketing, but this data may be maintained separately from PII data in order to ensure that the privacy of the consumer is protected. |
