Patent Publication Number: US-8527421-B2

Title: Virtual customer database

Description:
This application is a division of U.S. patent application Ser. No. 10/264,219, filed on Oct. 3, 2002, now U.S. Pat. No. 7,472,091, and entitled VIRTUAL CUSTOMER DATABASE and claims the benefit pursuant to 35 U.S.C. §119 of U.S. Provisional Application Ser. No. 60/326,827, filed Oct. 3, 2001 entitled VIRTUAL CUSTOMER DATABASE. In addition, the following commonly owned patent applications, some of which are incorporated by reference in the present application, are related to this application: U.S. Pat. No. 7,441,016 B2, issued Oct. 21, 2008, entitled SERVICE AUTHORIZER; U.S. Pat. No. 7,254,384 B2, issued Aug. 7, 2007, entitled MULTI-MODAL MESSAGING; U.S. Pat. No. 7,233,655 B2, issued Jun. 19, 2007, entitled MULTI-MODAL CALLBACK; U.S. patent application Ser. No. 10/751,022, filed Jan. 2, 2004, entitled DIRECTORY ASSISTANCE WITH MULTI-MODAL MESSAGING; and U.S. patent application Ser. No. 12/245,508, filed Oct. 3, 2008, entitled SERVICE AUTHORIZER. 
    
    
     FIELD OF THE INVENTION 
     The present invention relates generally to providing information to communication devices and, more particularly, to a virtual customer database system capable of providing personalized consumer services to communication devices. 
     BACKGROUND 
     Wireless communication devices are becoming an increasingly prevalent way to send and receive information. In addition to audio related content, the use of wireless communication devices for information content, video content and other services is rapidly increasing. The proliferation of various wireless communication devices, such as, for example, notebook computers, palm-top computers, and personal digital assistants (PDAs), as well as increasingly multi-functional wireless phones is further indication of the growing demand for different types of content and services. 
     One of the challenges for providers of such wireless services involves the ability to personalize content and services for individual users. An area where significant personalized content and services may be made available is consumer information related to goods and services. Such goods and services may include, for example, banking, financial management, travel, consumer goods, insurance, utility services and the like. Inherently, a consumer profile that provides such personalized content includes information related to many different business and content providers, such as, for example account numbers, passwords, personalized data, usage profiles, security clearances, preferences, tastes, spending habits, etc. 
     Existing systems and methods for creating and utilizing broad, multi-company consumer profiles for the enablement of personalized content and services (both wireless and non-wireless) are typically managed by the consumer and/or by a third party agency. Consumer management generally involves reliance upon the consumer to identify themselves, and input personally relevant information into a profile. The profile may then be maintained and updated by the consumer as the information and related data changes. 
     In general, third party agencies collect consumer profile data from multiple businesses and content providers for storage in a central location. Accordingly, control of the data significantly shifts from the businesses and content providers who provide the data, to the third party agency. In addition, prior consumer authorization may be required of the businesses and content providers before such data may be shared with a third party agency. Further, making such data available to third party agencies may amount to sharing of competitively sensitive information among business and content providers who may directly compete for the same consumers. 
     SUMMARY 
     The invention includes a method and system for delivering personalized services to a consumer operating a communication device. The personalized services are provided by a plurality of participating businesses cooperatively operating within a virtual customer database (VCDB) system. The VCDB system allows each of the participating businesses to maintain control of sensitive customer related information while making customer related information available to an individual consumer. Accordingly, the VCDB system may leverage the customer information of the participating businesses to provide a broad, multi-company consumer profile for enabling personalized content and services on a common platform without requiring the participating business to share sensitive customer related information. 
     The VCDB system includes an administrator, a distributed database and participating businesses that may include a participating communication provider and a participating company. The distributed database may include participating business databases comprising a first database which is a participating communication provider database and a second database which is a participating company database. The participating communication provider database and the participating company database may be associated with the participating communication provider and the participating company, respectively. In addition, the distributed database may include a third database which is a public participant database. 
     The administrator may extract customer information from each of the participating businesses and selectively associate the customer information from the extract with a virtual key of each corresponding consumer. In addition, the administrator may selectively distribute the customer information and the associated virtual keys within the distributed database by storing public records in the public participant database and private records in the participating communication provider database and the participating company database. Private customer records may include sensitive customer information, while such sensitive information may be absent from public customer records. 
     With the public and private customer records, the administrator may receive and process pull service requests from consumers operating communication devices and push service requests from participating businesses. The requests for pull services may be requests for customer specific information and the requests for push services may be customer notification requests. 
     Upon receipt of a pull services request from a communication device, the administrator may query the participating communication provider database for a virtual key associated with the consumer operating the communication device. In addition, the administrator may query the participating company database for an internal customer ID based on determining the intent of the request for customer specific information and the virtual key. The administrator may then forward the request for customer specific information and the internal customer ID to the participating business identified by the intent of the request. The request may be forwarded to obtain customer specific information responsive to the request. 
     Upon receiving a request for push services, the administrator may querying the participating company database for a virtual key based on an internal customer ID included in the request. In addition, the administrator may query the public participant database for a communication channel of a communication device associated with the virtual key. Once the communication channel is identified, the administrator may query the participating communication provider database for a device address of the communication device. Using the device address, a notification message may be transmitted to the communication device. 
     An interesting feature of the VCDB system relates to the public participant database. The public participant database comprises a consumer internal profile database that may include communication channels associated with participating communication providers. In addition, the consumer internal profile database may include pre-determined contact parameters associated with the communication channels. The consumer may configure the pre-determined contact parameters to establish situationally based consumer preferences regarding utilization of different communication channels to contact the consumer. 
     Another interesting feature of the VCDB system relates to the distributed databases. The participating communication provider database and the participating company database may be located within the firewall of the participating communication provider and the participating company, respectively. Accordingly, the administrator may be provided access through the respective firewalls to the respective databases. In addition, the public participant database may be outside the firewalls of any of the participating businesses and is similarly accessible by the administrator. 
     Still another interesting feature related to the VCDB system involves the administrator. The administrator may perform usage tracking to gather information related to consumer usage of the push and pull services of the VCDB system. In addition, the administrator may perform data mining to statistically analyze usage. 
     Further objects and advantages of the present invention will be apparent from the following description, reference being made to the accompanying drawings wherein preferred embodiments of the invention are clearly illustrated. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         FIG. 1  illustrates an example of the virtual customer database (VCDB) system. 
         FIG. 2  is a block diagram of the administrator depicted in  FIG. 1 . 
         FIG. 3  is a more detailed block diagram of a portion of the virtual customer database system in  FIG. 1 . 
         FIG. 4  is a flow diagram illustrating example operation of the portion of the virtual customer database system depicted in  FIG. 3 . 
         FIG. 5  is a flow diagram illustrating another example operation of the portion of the virtual customer database system depicted in  FIG. 3 . 
     
    
    
     DETAILED DESCRIPTION OF THE PRESENTLY PREFERRED EMBODIMENTS 
     The invention includes methods and systems for creating and utilizing a distributed database of customer information. The distributed database may be used to deliver personalized services to consumers using electronic communication channels. The distributed database is enabled through a loose association of customer specific information from participating businesses that may include companies, content providers etc., in order to enable broad profiles of consumers. The customer specific information of each participating business may be securely maintained by that participating business, but may be enabled for real-time external access by consumers using a virtual customer database system. Accordingly, broad consumer profiles may be created within the virtual customer database system without requiring disclosure to third parties and/or direct sharing of consumer information between participating businesses. 
       FIG. 1  is a block diagram illustrating one example of a virtual customer database (VCDB) system  10 . The VCDB system  10  includes a plurality of participating businesses  12 , a distributed database  14  and an administrator  16  coupled as illustrated. As used herein, the term “coupled”, “connected”, or “interconnected” may mean electrically coupled, optically coupled, wirelessly coupled and/or any other form of coupling providing an interface between systems, devices and/or components. 
     The participating businesses  12  represent information-based systems of businesses providing goods and/or services to consumers. The information-based systems may include customer data storage systems, data retrieval systems, communication systems and/or any other systems supporting customer record keeping related to the supply of goods and/or services. The data stored in such systems may include any form of customer specific data related to providing goods and/or services to each consumer. Typically, the participating businesses  12  are protected from unauthorized access by a firewall or other security measures. 
     As used herein, the term “consumer” refers to users of the VCDB system  10  for personalized services. The term “customer” on the other hand, refers to information and services related to consumption/utilization of goods and/or services by such consumers. 
     In the illustrated example, the participating businesses  12  may include at least one participating company  18  and at least one participating communication provider  20 . The participating company  18  may be any independent company, such as, for example, an airline company, a manufacturing company, a utility company or any other business providing goods and/or services to consumers. The participating communication provider  20  may be any business providing communication services to consumers, such as, for example, a wireless phone service provider, a wireline phone service provider, a paging service provider, an email service provider, an interactive messaging provider, an Internet access provider or any other provider of communication services over electronic communication channels. In other examples any number of participating companies and participating communication providers may be included in the participating businesses  12  of the VCDB system  10 . 
     The distributed database  14  may include one or more secure databases accessible by one or more database management systems (DBMS). The presently preferred distributed database  14  includes separate, secure, participating business databases for each of the participating businesses  12 . The participating business databases may each include customer specific information extracted from associated participating businesses  12 . As illustrated by dashed lines  22  in  FIG. 1 , a first database identified as a participating communication provider database  24  is preferably associated with the participating communication provider  20 . In addition, a second database identified as a participating company database  26  is preferably associated with the participating company  18 . Alternatively, the participating communication provider database  24  and the participating company database  26  may be included along with any other participating businesses  12  in a common secure database. Within the common secure database, passwords or other security measures may be used to limit access to the different areas of the database pertaining to each of the participating businesses  12 . 
     The distributed database  14  may also include a third database identified as a shared participant database  28 . The shared participant database  28  is at least one database common to all of the participating businesses  12 . Non-sensitive information related to each of the participating businesses  12  may be included in the shared participant database  28 . In addition, administrative and operating information related to the VCDB system  10  may be included in the shared participant database  28 . For example, account information related to consumers subscribing to the personalized services of the VCDB system  10 , consumer utilization information, consumer customization of personalized services and/or any other consumer information related to the VCDB system  10  may be included. 
     The shared participant database  28  of the illustrated example includes a consumer/company cross reference database  30  cooperatively operating with a consumer internal profile database  32 . The shared participant database  28  may include non-sensitive general information related to each of the participating businesses  12 . In addition, the shared participant database  28  may include consumer specific information for each consumer. The shared participant database  28  may also include any other information related to operation of the VCDB system  10  in providing personalized services to consumers. The consumer/company cross reference database  30  and the consumer internal profile database  32  may be collocated in the same database, or may be two separate databases operating on the same, or different, hardware platforms. 
     The consumer/company cross reference database  30  may include information to cross reference each of the participating businesses  12  to corresponding consumers utilizing the VCDB system  10 . Consumers utilizing goods and services of the participating businesses  12  may be cross referenced to corresponding company IDs within the shared participant database  28 . The company IDs may be the name of the company from which the information was extracted, a code representing the company and/or any other form of unique identifier. In addition, the consumer/company cross reference database  30  may include any other information pertaining to associating consumers with the participating businesses  12 . 
     The consumer internal profile database  32  may include information related to each consumer enabled to utilize the VCDB system  10 . The consumer related information may be selectively associated with individual company IDs and may include a consumer&#39;s name and address (past and present) as well as consumer specific contact information and pre-determined contact parameters. The consumer specific contact information may identify electronic communication channels for delivery of personalized services based on the pre-determined contact parameters. The electronic communication channels may be identified by associating communication device(s) of each consumer with company ID(s) of the participating communication provider(s)  20 . The pre-determined contact parameters may include, for example, time period designations, content designations, originator designations, preference rankings or any other considerations related to utilization of the contact information. 
     For example, the consumer specific contact information may indicate three electronic communication channels utilized by a wireless phone, a pager and a PDA, each serviced by a different one of the participating businesses  12  identified with a company ID. In addition, pre-determined contact parameters may identify the pager as the first choice for daytime delivery of personalized services and the wireless phone as the first choice for nighttime delivery. Further, the pager may be identified to receive text messages from one of the participating businesses  12  while the PDA may be identified to receive multimedia messages from another of the participating businesses  12 . 
     In addition, the consumer internal profile database  32  may also include consumer verification data. The consumer verification data may be provided during and/or following subscription to the VCDB system  10  for personalized services. Verification of consent by the consumer, and/or the participating businesses  12 , to the release and use of consumer/customer information that may be needed to process requests may be provided by the consumer verification data. In addition, verification may involve determining the level of personalized services within the VCDB system  10  a consumer has purchased. Further, any other consumer specific information may be included within the consumer internal profile database  32 . 
     The separate secure databases of the distributed database  14  may be located remotely or locally. Preferably, the participating communication provider database  24  and the participating company database  26  reside remotely within the firewalls of the corresponding participating businesses  12 . The databases may be enabled for external access via technologies such as, for example, extensible markup language (XML), simple object (SOAP), common object request broker architecture (CORBA), hypertext transfer protocol (HTTP), hypertext markup language (HTML), remote message interface (RMI), Internet inter object request broker (ORB) protocol (IIOP) and/or any other proprietary/non-proprietary interface technologies. Alternatively, the participating communication provider database  24  and the participating company database  26  may be collocated locally with the shared participant database  28 , the administrator  16  and/or themselves. 
     The administrator  16  may be one or more applications operating to oversee and direct operation of the VCDB system  10 . Operation of the administrator  16  may occur on one or more server computers or other devices capable of communication with the participating businesses  12  and the distributed database  14 . In general, the administrator  16  maintains the VCDB system  10  and acts as an interface to deliver personalized services to a consumer over electronic communication channels. 
     Two types of services may be leveraged with the VCDB system  10  using the administrator  16 . 
     The first type of services is pull services where content is provided based on incoming requests from consumers for customer specific information. Examples of pull services requests may include requests for an airline itinerary, a bank statement, an order status, a service schedule or any other customer specific information related to goods and/or services purchased by a consumer. The requests may be forwarded over electronic communication channels from wireless or wireline communication devices operated by consumers. The administrator  16  may receive such requests and utilize the distributed database  14  to authorize and format such requests with customer specific information. The formatted requests may then be forwarded to the appropriate participating business within the participating businesses  12 . Based on the request, a response that includes customer specific information may be provided to the consumer who originated the request. 
     The second type of services is push services where content is provided to consumers based on incoming requests initiated by an external event and/or predetermined preferences of a consumer. Examples of push services requests may include requests for notification of consumer(s) regarding a delayed airline flight, a checking account overdraft, non-payment of a bill, backordered goods/services that are now available, or any other personalized notification related to the provision of goods and services by the participating businesses  12 . Such requests may be received, authorized, formatted and forwarded by the administrator  16  to the identified consumer. The requests may be forwarded over an electronic communication channel to a communication device, such as, for example, a wireless communication device. The electronic communication channels may be selected based on predetermined instructions from the consumers. 
     Any participating business desiring interactions with customers via electronic communication channels may utilize the VCDB system  10 . Since requests for pull services are handled by the VCDB system  10 , incoming requests from consumers need not include sensitive customer specific information. In addition, incoming requests for push services for consumer notification need not include sensitive destination address information. Further sensitive customer information may remain with each of the participating businesses  12  within associated separate secure databases. Accordingly, customer information may remain within the “four walls” of each participating business that is collecting and using such information to provide goods and/or services. Utilizing the distributed database  14  and the administrator  16 , however, personalized customer information and other services may be enabled for real-time secure external access by consumers via a common interface standard. 
     As used herein, the term “sensitive information” pertains to information considered by a consumer to be private and/or personal. In addition, “sensitive information” includes information considered by any of the participating businesses  12  to be confidential, proprietary and/or would otherwise provide a competitive advantage to competitors. 
       FIG. 2  is an example block diagram illustrating the functionality of the administrator  16  depicted in  FIG. 1 . The administrator  16  includes a load and scrub processing module  40 , a request-handling module  42  and a transaction-monitoring module  44 . In other examples, fewer or more modules may be illustrated to depict the functionality of the administrator  16 . 
     The load and scrub processing module  40  includes an extraction component  52  and a loading component  54  cooperatively operating as illustrated. In general, the load and scrub processing module  40  directs the extraction and selective distribution within the distributed database  14  ( FIG. 1 ) of customer information from the participating businesses  12  ( FIG. 1 ). The term “load” refers to the insertion of records within the separate secure databases of the distributed database  14 . The term “scrub” refers to the selective allocation of information to separate (or “scrub”) sensitive information from non-sensitive information. The load and scrub processing module  40  may also include additional functionality such as, for example, data verification, removal of duplications, resolution of nicknames, misspellings, maiden/married name mapping, resolution of address spelling variants (e.g. “Cooper Lake Dr.” and “Cooperlake Dr.” or “Rain Tree Road” and “Rain Tree Rd”) or any other processes related to selective data distribution within the distributed database  14 . 
     Referring now to  FIGS. 1 and 2 , extraction of the customer information is performed with the extraction component  52 . The extraction component  52  may communicate with each of the participating businesses  12  to obtain an extract of customer information. Each extract represents the customer information of one of the participating businesses  12 , and may be identified with a corresponding company ID. The company ID may be provided along with the extracted customer information from each of the participating businesses  12 . Alternatively, the extraction component  52  may be capable of identifying each of the participating businesses  12  and assigning the appropriate company ID. In another alternative, the extraction component  52  may cross reference the company name or other identifying information obtained in the extract with the shared participant database  28 , or any other database, to identify the company ID. 
     The extract may include a customer name and a customer address associated with an internal customer ID. In addition, where the participating businesses  12  are a participating communication provider  20 , enabled communication channel(s) may also be included in the extract. The customer name and address represent each customer of one of the participating businesses  12 . The internal customer ID is an identifier to uniquely identify each customer, such as, for example, an account number, a frequent flier number (for an airline company) or any other way of uniquely identifying customers within a business&#39; record keeping system. 
     The enabled communication channel(s) identify electronic communication channel(s) and device address(es) supported by the participating communication provider  20  for contacting the corresponding customer. For example, for a given customer the enabled electronic communication channels may include device addresses for an instant messaging address, an email address and a wireless phone number. In addition, any other information associated with uniquely identifying the communication channel(s) and corresponding device address(es) for a customer may be included in the extract. Any other customer related information may also be included in the extract, such as preferences for which method used to contact, schedules corresponding to which method of contact to use, length of message the device can receive (e.g. some mobile phones only accept 55 characters, some accept 255 characters). 
     Following extraction, the information within the extract may be compared by the extraction component  52  to a list of subscribing consumers. The list of subscribing consumers may be a listing of individuals currently enabled to utilize the VCDB system  10  for personalized services. Each entry in the listing of subscribing consumers may include a virtual key associated with the name(s) and current/past addresses of the individual. Alternatively, the virtual key may be associated with any other information indicative of the identity of a consumer that may be compared and selectively matched to the extracted information. 
     The virtual key may be a unique hash code or other similar unique identifier that is a universal but anonymous identifier uniquely representing each consumer utilizing the personalized services of the VCDB system  10 . 
     The extraction component  52  may query the consumer internal profile database  32  for the list of subscribing consumers. Alternatively, the extraction component  52  may maintain the list of subscribing consumers. In still other alternatives, the list of subscribing consumers may be stored elsewhere and accessed by the extraction component  52 . The extraction component  52  may use the list of subscribing consumers to determine potential matches with the customer information contained in the extract. For each properly identified consumer in the extract, the extraction component  52  may associate the virtual key of the identified consumer with the corresponding customer information and activate the loading component  54 . 
     The loading component  54  may selectively load information from the extract along with the associated virtual keys into the distributed database  14 . The information may be selectively utilized by the loading component  54  to generate records that are inserted into one or more of the secure databases within the distributed database  14 . The records generated by the loading component  54  may include public customer records and private customer records. Public customer records may include customer information of participating businesses  12  which is not sensitive or otherwise deemed confidential by the participating businesses  12 . Private customer records, on the other hand, may include sensitive customer information. 
     Referring again to  FIGS. 1 and 2 , the loading component  54  may insert a public customer record into the consumer/company cross reference database  30  for each properly identified customer in the extract. The public customer record inserted by the loading component  54  may include the virtual key of the consumer associated with the company ID identified in the extract. Alternatively, any other data for cross-referencing the consumer to one of the participating businesses  12  from which customer information was extracted may be part of the public customer record. 
     In addition to loading public customer records, the loading component  54  may also load private customer records of properly identified consumers into the distributed database  14 . The company ID associated with the extract may preferably be used to determine which secure database(s) within the distributed database  14  are loaded with private customer records. In addition, the company ID may preferably be used to determine the information content of the private customer records. Other factors, such as, other participating businesses, consumer preferences or any other parameters may also be included in the information content determination. 
     In the example illustrated in  FIG. 1 , if the extract was from the participating communication provider  20 , the loading component  54  may generate and insert private customer records in the participating communication provider database  24 . Based on the company ID of the participating communication provider  20 , the private customer records preferably include the virtual key associated with the internal customer ID of each customer of the participating communications provider  20 , along with the enabled communication channel(s). In addition, the company ID may be included in private customer records. The company ID may be included where the customer information in the participating communication provider database  24  includes information from multiple participating businesses  12 . 
     If, on the other hand, the extract was from a participating company  18 , for each properly identified customer, a private customer record may be generated and inserted in the participating company database  26 . In this case, based on the company ID, the private customer record may include the virtual key associated with the internal customer ID for each customer of the participating company  18 . Similar to the participating communication provider database  24 , the company ID may also be include where information from multiple participating businesses  12  is included in the same participating company database  26 . 
     Processing with the load and scrub processing module  40  may be repeated for each of the participating businesses  12 . With the customer information extracted, scrubbed and loaded by the load and scrub processing module  40 , the VCDB system  10  may utilize the distributed database  14  to provide personalized services. Personalized services may be provided in response to requests forwarded to the request-handling module  42 . 
     Referring again to  FIG. 2 , the request-handling module  42  of the illustrated example includes a service router component  56 , an intent component  58 , a service authorizer component  60 , an interface component  62  and a communication component  64  cooperatively operating as illustrated. The request-handling module  42  receives and processes requests for push and pull services. In addition, responses to requests may be formatted and forwarded by the request-handling module  42 . 
     As previously discussed requests originating from consumers may be addressed by the pull services of the VCDB system  10  ( FIG. 1 ). Consumers may initiate requests via an electronic communication channel using for example a wireless communication device. Electronic communication channels may include, for example, short message service (SMS), 2-way text, voice-interface to a voice recognition system, interactive messaging, a chat-system or any other mechanism for initiating a request. Alternatively, any other form of access channel may be used with wireless or wireline communication devices. 
     Requests over an electronic communication channel may also originate from an external event or preferences of the consumer as part of push services provided by the VCDB system  10  ( FIG. 1 ). Such requests may originate from one of the participating businesses  12  ( FIG. 1 ), in the form of, for example, information manually entered via a website and/or based on an automated request process triggered by events/data within the participating business. In addition, email messages, HTTP requests, or any other form of request for push services may be sent to the request-handling module  42 . Such requests are received and processed by the service router component  56 . 
     Referring once again to  FIGS. 1 and 2 , the service router component  56  receives requests and initiates queries of the distributed database  14  based on the requests. In addition, the service router component  56  activates the other components in the request-handling module  42  to process the requests. The service router component  56  may also perform other functions such as, for example, initiating and/or maintaining secure connections, such as, secure socket layer (SSL) communication with other devices in the VCDB system  10 , maintenance of the secure databases and/or any other operationally related functionality of the VCDB system  10 . 
     The service router component  56  may also process a request to identify an electronic communication channel for messages responsive to the request. An electronic communication channel identified in the request may be designated for messages responsive to the request. Alternatively, the electronic communication channel for responses may default to the channel the request was received from. In another alternative, the service router component  56  may query the consumer internal profile database  32  to determine a consumer designated electronic communication channel. In still other alternatives, any and/or all of the previously discussed channel identification mechanisms may be available. 
     Upon receipt of a request for pull services from a consumer, the service router component  56  may activate the intent component  58 . The intent component  58  determines the nature of the request for pull services. Determination of the nature, or intent, of the request may allow identification of the company ID of the participating businesses  12  to which the request should be directed. The intent component  58  may utilize techniques such as, for example, natural language processing, keyword triggering processing, pre-defined menu choices and/or any other analysis mechanism for determining the intent of the request. Natural language processing allows a request in free-text, such as, for example, “What are the details of my flight?” With keyword trigger processing, pre-defined keywords may be identified in the request, such as, for example, “Itinerary.” Pre-defined menu choices allow a choice from a list of pre-determined menu options. 
     Activation of the service authorizer component  60  by the service router component  56  may occur when requests for push and/or pull services are received. The service authorizer component  60  performs an authorization process. The authorization process may determine if the originator of the request has the necessary authorization level to make such a request. 
     Determination of the authorization level may involve verification of consent for the release and use of any customer information that may be needed to process and provide a response to the request. In addition, the level of access granted to individual consumers to obtain information from one of the participating businesses  12  responsive to requests may be determined. Further, verification may involve determining the level of personalized services to which a consumer has subscribed or agrees to subscribe. One such authorization level verification process for wireless communications device is disclosed by the commonly owned patent to Portman et al. entitled SERVICE AUTHORIZER issued by the U.S. Patent Office on Oct. 21, 2008, as U.S. Pat. No. 7,441,016 B2, which is herein incorporated by reference in its entirety. 
     The service authorizer component  60  may determine the authorization level based on the individual consumer making requests for pull services or intended to receive customer notification based on a request for push services. Upon receipt of a request, the service authorizer component  60  may access the consumer internal profile database  32  to verify the authorization level. The virtual key along with one of the participating businesses  12  identified by the intent component  58  may be utilized during the verification process. Alternatively, the service authorizer component  60  may include authorization level information, and/or may access any other database(s) containing such information. 
     The interface component  62  provides an interface to the participating businesses  12  for sending and receiving data and commands. Interfacing with the participating businesses  12  may involve formatting the request with, for example, proprietary communication protocols, HTTP, SOAP, IIOP, modem communications or any other communication protocol. In addition, interfacing may involve formatting the request in, for example, SQL, SOAP, CORBA, HTML, XML, RMI, C++, Cobol, text messages or any other format compatible with the participating businesses  12 . The interface component  62  may include a plurality of interface sub-components. Each of the interface sub-components may provide an interface to one of the participating businesses  12 . Accordingly, requests for pull services may be directed to a particular interface sub-component based on the identity of the participating business by the intent component  58 . 
     The interface component  62  may similarly receive and format responses from the participating businesses  12 . The responses may be provided by the participating businesses  12  in response to requests for pull services from consumers. In addition, requests for push services may be provided to the VCDB system  10  via the interface component  62 . 
     The communication component  64  may provide the mode(s) of communication for messages to and from consumer communication devices based on identification of the electronic communication channel. Messages may include responses to request for pull services as well as customer notifications resulting from requests for push services. The communication component  64  may also place the messages on the identified electronic communication channel. 
     Providing the communication mode may involve, for example, creating text messages, alarms, video messages, audio messages and/or any other mechanism for conveying information based on identification of the return electronic communication channel. In addition, providing the communication mode may include protocol modification/changes, information presentation changes and/or other modifications/changes, based on the return electronic communication channel. One example technique for formatting a message in both text and/or audio messages during the course of a single interaction is described in a commonly owned patent to Portman et al. entitled MULTI-MODAL MESSAGING issued by the U.S. Patent Office on Aug. 7, 2007, and assigned U.S. Pat. No. 7,254,384 B2, which is herein incorporated by reference in its entirety. Alternatively, the communication component  64  may provide an interpretation and/or conversion function for both incoming requests from communication devices, as well as outgoing responses. 
     Referring once again to  FIG. 2 , the administrator  16  of the illustrated example also includes the transaction-monitoring module  44 . In other examples, the transaction-monitoring module  44  may not be included in the administrator  16 . The illustrated transaction-monitoring module  44  includes a usage-tracking component  68  and a data-mining component  70 . 
     The usage-tracking component  68  may create an electronic record related to the processing of each request by the request-handling module  42 . The electronic records may be stored in the shared participant database  28  ( FIG. 1 ). Alternatively, electronic records for the participating businesses  12  ( FIG. 1 ) or groups of participating businesses  12  may be stored in the participating communication provider database  24  ( FIG. 1 ), the company database  26  ( FIG. 1 ), a dedicated database (not shown) and/or any other location within the VCDB system  10  ( FIG. 1 ). 
     When the request is for pull services, for example, the electronic record may include the virtual key of the relevant consumer, the date/time of the request and/or the response, the intent of the request and the parameters of the request. In addition, the electronic record may include the company ID responding to the request, parameters of the response, the communication channel used for the request and the communication channel used for the response. 
     Similarly, when the request is for push services, the virtual key, the company ID, the date/time of the request and the communication channel may be included in an electronic record. Alternatively, the virtual key of the relevant individual may not be maintained in the electronic records. Instead, the electronic records of transactions may be fully anonymous from the consumer perspective. In addition, the company ID may be replaced with a company group ID to maintain anonymity of the participating businesses  12  ( FIG. 1 ). 
     Referring once more to  FIGS. 1 and 2 , the data-mining component  70  may gather and process statistical data related to operation of the VCDB system  10 . Operationally related data may be provided to the data-mining component  70  during operation of the VCDB system  10 . The data-mining component  70  may be used to support the usage-tracking component  68  in gathering statistical data. Varying degrees of data mining with the data-mining component  70  may be used to determine, for example, how individual consumers and/or demographic categories of consumers are leveraging the supported personalized services of the VCDB system  10 . 
     For example, demographic characteristics may be included in the consumer internal profile database  32 . Transaction record data collected by the usage-tracking component  68  may then be mined by the data-mining component  70  based on the demographic characteristics. Any other operational data may also be gathered and processed by the data-mining component  70 . 
       FIG. 3  is a block diagram of an example the VCDB system  10  that may engage in push and/or pull services. In the illustrated example, the VCDB system  10  includes the participating businesses  12 , the distributed database  14  and the request-handling module  42  operatively coupled as illustrated. In addition, at least one communication device  80  is depicted in the illustrated example as coupled with the participating businesses  12 . The communication device  80  may be a wireless device and/or a wireline device. In the presently preferred embodiments, the communication device  80  is a wireless communication device. 
     The participating businesses  12  include at least one participating company  18  and at least one participating communication provider  20  similar to the previously discussed examples. In addition, the distributed database  14  is depicted as including the participating communication provider database  24 , the participating company database  26 , the consumer/company cross reference database  30  and the consumer internal profile database  32 . The request-handling module  42  includes the previously discussed service router component  56 , the intent component  58 , the service authorizer component  60 , the interface component  62  and the communication component  64 . 
     Referring now to the flow diagram of  FIG. 4 , an operational example of the VCDB system  10  illustrated in  FIG. 3  will be explained when a request for pull services is received by the VCDB system  10 . In this operational example, the previously discussed load and scrub processes have already occurred such that the VCDB system  10  is populated with data. The operation begins at block  102 , where a request for pull services is forwarded from the communication device  80  of a consumer to the participating communication provider  20  over an electronic communication channel. At block  104 , the participating communication provider  20  forwards the request to the request-handling module  42 . 
     The service router component  56  processes the request and activates the intent module  58  to determine the intent of the request at block  106 . At block  108 , the service router component  56  queries the participating communication provider database  24  to determine the virtual key associated with the consumer based on the identification of the communication device  80  in the request. Once the virtual key and the intent of the request are identified, the service router component  56  activates the service authorizer component  60  to determine if the transaction has the necessary authorization level at block  110 . The authorization level is determined by the service authorizer component  60 . 
     If the necessary authorization level is not approved, a request denied message is returned to the communication device  80  via the participating communication provider  24  at block  112 . If the necessary authorization level is denoted as approved, the service router component  56  queries the participating company database  26  in order to determine the internal customer ID associated with the previously identified virtual key at block  114 . At block  116 , the service router component  56  activates the interface component  62  based on the intent of the request and passes the request along with the internal customer ID to the interface component  62  for processing. 
     The interface component  62  queries the participating business, in this example, the participating company  18 , to execute the consumer request at block  118 . At block  120 , the participating business generates a response to the request and forwards the response to the interface component  62 . The response is formatted by the interface component  62 , and forwarded to the communication component  64  via the service router component  56  at block  122 . At block  124 , the communication component  64  transmits the response back to the consumer on an electronic communication channel identified with the request and determined by the service router component  56 . 
     Referring now to the flow diagram of  FIG. 5 , an operational example of the VCDB system  10  illustrated in  FIG. 3  will be explained when a request for push services is received by the VCDB system  10 . Similar to the operation described with reference to  FIG. 4 , the VCDB system  10  has previously been populated with data. 
     The operation begins at block  202 , where a request for push services is forwarded from one of the participating businesses  12 , in the illustrated example, the participating company  18 , to the request-handling module  42 . At block  204 , the interface component  62  receives, processes, formats and forwards the request to the service router component  56 . The service router component  56  queries the appropriate participating company database  26  to identify a virtual key at block  206  based on the company ID and the internal customer ID of the consumer identified in the request. At block  208 , the service router component  56  activates the service authorizer component  60  to determine whether the transaction has the necessary authorization level. 
     If the authorization level is insufficient, a request denied message is returned via the interface component  62  to the originator of the request at block  210 . If the authorization is denoted as approved, the service router component  56  utilizes the virtual key to query the consumer/company cross reference database  30  to identify participating communication provider(s)  20  available to provide communication services to the consumer at block  212 . In addition, at block  214 , the service router component  56  queries the consumer internal profile database  32  to determine which electronic communication channel should be used in this situation (based on time of day, business sending the message, importance of the message, etc.). In the illustrated example, the electronic communication channel for the communication device  80  associated with the company ID of the participating communication provider  20  is identified. 
     Following identification of the electronic communication channel, the service router component  56  queries the participating communication provider database  24  based on the company ID and the virtual key to determine the device address of the communication device  80  at block  216 . At block  218 , the service router component  56  activates the communication component  64  to format a message for the consumer appropriate for the identified electronic communication channel. The communication component  64  transmits the information to the communication device  80  based on the previously determined electronic communication channel and the preferences of the consumer at block  220 . 
     The previously discussed VCDB system  10  may provide personalized services to consumers in the form of real-time external access to personalized customer data and related services. The personalized customer data and services may be provided from participating businesses  12  without requiring the participating businesses  12  to directly share customer data with each other. In addition, the VCDB system  10  acts as a liaison allowing consumers to request customer specific information without including identifying information specific to a participating business. Similarly, the participating businesses  12  may utilize the VCDB system  10  to successfully request notification of consumers without specification of the communication channels used for notification. 
     While the invention has been described in its currently best-known modes of operation and embodiments, other modes, embodiments and advantages of the present invention will be apparent to those skilled in the art and are contemplated herein.