Data structures for providing customized marketing information

Abstract

A data structure in a tangible computer-readable medium having two or more prospective customer profile records; two or more comparable segment records; and an association between each of the two or more prospective customer profile records and one of the two or more comparable segment records.

What is claimed is: 
     
         1 . A data structure in a tangible computer-readable medium comprising:
 two or more prospective customer profile records;   two or more comparable segment records; and   an association between each of the two or more prospective customer profile records and one of the two or more comparable segment records.   
     
     
         2 . The data structure of  claim 1 , further comprising:
 two or more competitor segment records; and   an association between each of the two or more prospective customer profile records and zero or more of the two or more competitor segment records.   
     
     
         3 . The data structure of  claim 2 , wherein the association between each of the two or more prospective customer profile records and zero or more of the two or more competitor segment records is an indirect association. 
     
     
         4 . The data structure of  claim 1 , wherein each one of the two or more prospective customer profile records further comprises:
 a range of geographic rating group values;   a range of rating factor values;   a range of age values; and   an identifier associated with exactly one of the two or more prospective customer profile records.   
     
     
         5 . A data structure in a tangible computer-readable medium comprising:
 existing insurance policy information;   customer segmentations of the existing insurance policy information; and   a scoring and premium estimation model, wherein the scoring and premium estimation model uses the subset of prospective insurance customer policy criteria and the customer segmentations of the existing insurance policy information to determine peer group policy information.   
     
     
         6 . A data structure in a tangible computer-readable medium comprising:
 existing customer insurance policy information;   a segmentation module that generates two or more segments of the existing customer insurance policy information and determines representative information about the existing policy information associated with each segment;   a real-time function execution module in communication with the computer segmentation module, wherein the real-time function execution module is configured to select a target segment based on a subset of prospective insurance customer policy criteria.   
     
     
         7 . The data structure of  claim 6 , wherein the subset of prospective insurance customer policy criteria comprises non-identifying demographic information about the prospective insurance customer. 
     
     
         8 . The data structure of  claim 6 , wherein the subset of prospective insurance customer policy criteria comprises non-identifying location information about the prospective insurance customer. 
     
     
         9 . The data structure of  claim 6 , wherein the subset of prospective insurance customer policy criteria comprises non-identifying demographic information about a property of the prospective insurance customer. 
     
     
         10 . The data structure of  claim 6 , wherein the computer segmentation module is configured to generate the two or more segments of the existing insurance policy information based on insurance policy criteria selected from: an age of the insured, a type of property insured, a number of claims filed by the prospective customer within a specified timeframe, and an identification of discounts. 
     
     
         11 . The data structure of  claim 6 , wherein the representative information about the existing policy information associated with each segment comprises at least one statistic relating to: the dollar value of insurance premiums paid by customers in that segment, coverages elected by customers in that segment, limits elected by customers in that segment, deductibles elected by customers in that segment, and other products owned by customers in that segment.