Patent Publication Number: US-11663618-B2

Title: Systems, computer-readable media, and methods for activation-based marketing

Description:
CROSS REFERENCE TO RELATED APPLICATIONS 
     This application is a continuation of U.S. patent application Ser. No. 12/686,924, filed Jan. 13, 2010, issued as U.S. Pat. No. 10,346,863 on Jul. 9, 2019, all of which is referenced herein in its entirety. 
    
    
     BACKGROUND OF THE INVENTION 
     Field of the Invention 
     This invention relates to marketing and more particularly relates to systems, computer-readable media, and methods for activation-based marketing. 
     Description of the Related Art 
     In general, marketing costs can be a substantial portion of the overall cost of launching a new product, service, or program. Indeed, marketing costs can often far exceed development costs associated with a new product, service, or program. Nonetheless, marketing is typically an essential element of, e.g., product launches. This is typically due to a correlation between demand for the product and public awareness of the existence of the product. 
     Certain more sophisticated marketing techniques may include targeted marketing campaigns. For example, a company may target a particular demographic segment of society with a television or radio advertisement. In these situations, the advertisement may include actors that are the same age, gender, or ethnicity as individuals in the target demographic segment. 
     Unfortunately, only general information about the target demographic segment as a whole is typically available. For example, a hypothetical company may have information through surveys, or other information sources indicating that Asian men over the age of 40 are most likely to purchase their products. In this example, the hypothetical company may chose to focus their marketing investment on creating advertisements that are most likely to appeal to people of that demographic segment. Alternatively, the company may chose to expand their market by targeting another demographic segment. In either approach, it is clear that only limited demographic information is available to help guide the marketing campaign. 
     The referenced shortcomings are not intended to be exhaustive, but rather are among many that tend to impair the effectiveness of previously known techniques in marketing; however, those mentioned here are sufficient to demonstrate that the methodologies appearing in the art have not been satisfactory and that a significant need exists for the techniques described and claimed in this disclosure. 
     SUMMARY OF THE INVENTION 
     From the foregoing discussion, it should be apparent that a need exists for systems, computer-readable media, and methods for activation-based marketing. 
     In A method for activation-based marketing is presented. In one embodiment, the method includes generating a personalized action plan corresponding to a customer, where the personalized action plan is generated based upon customer information comprising: a consumer activation index of the customer, and demographic information about the customer. 
     In a further embodiment, the personalized action plan may be generated based further upon a health index of the customer. In still a further embodiment, generating a personalized action plan may include determining customer information. The customer information may include a consumer activation index of the customer, a health index of the customer, life stage information of the customer, an attitudinal model corresponding to the customer. Generating the personalized action plan may further include applying to the customer information a response model corresponding to the customer, applying to the customer information a segmentation model corresponding to the customer, and applying to the customer information a consumer model corresponding to the customer. 
     In one embodiment, a method for activation-based marketing may include determining a life stage associated with a target individual. The method may also include determining an attitudinal segment associated with the target individual. Additionally, the method may include determining a response model associated with the target individual. In still a further embodiment, the method may include assigning the target individual to at least one of a predetermined set of segmentation groups in response to the life stage, the attitudinal segment, and the response model associated with the individual. The method may also include generating a personalized communication modality tailored to the target individual in response to the segmentation group assigned to the target individual. 
     In a further embodiment, generating the personalized communication modality may include generating customized message content for a communication to the target individual in response to the segmentation group assigned to the target individual, generating a tonal guideline for a communication to the target individual in response to the segmentation group assigned to the target individual, and determining a communication medium for conveying the communication to the target individual in response to the segmentation group assigned to the target individual. 
     A computer program product for activation-based marketing is also presented. In one embodiment, the computer program product includes a tangible computer-readable medium comprising executable instructions. The instructions may include generating a personalized action plan corresponding to a customer, where the personalized action plan is generated from customer information. The customer information may include a consumer activation index of the customer, a health index of the customer, and demographic information about the customer. 
     In a further embodiment, the personalized action plan may also be generated from attitudinal information about the customer. In another embodiment, the personalized action plan is also generated from responsiveness information about the customer. Additionally, the personalized action plan may also be generated from attitudinal information about the customer. Further, the personalized action plan may include benefit offers, incentive offers, policy enhancements, care enhancements, coaching enhancements, or communication enhancements. 
     In one embodiment the instructions for generating a personalized action plan include selecting two or more predefined action items corresponding to the customer information from one or more databases storing a plurality of predefined action items. Additionally, the instruction may include outputting at least a portion of the action plan for the customer. In such an embodiment, the portion of the action plan is output responsive to a communication link being established with the customer, and where the output portion corresponds to the type of communication link established. 
     A system for activation-based marketing is also presented. In one embodiment, the system includes one or more data storage devices configured to store demographic data, healthcare utilization data, and response data associated with a target individual. Additionally, the system may include a server coupled to the one or more data storage devices. The server may be suitably programmed to determine a life stage associated with a target individual, determine an attitudinal segment associated with the target individual, and determine a response model associated with the target individual. Additionally, the server may assign the target individual to at least one of a predetermined set of segmentation groups in response to the life stage, the attitudinal segment, and the response model associated with the individual. In a further embodiment, the system may generate a personalized communication modality tailored to the target individual in response to the segmentation group assigned to the target individual. 
     In one embodiment, the system also includes a display device coupled to the server, the display device configured to display the personalized communication modality to a user. Additionally, the system may include a user interface device coupled to the server, the user interface device configured to display the personalized communication modality to a user. 
     Other features and associated advantages will become apparent with reference to the following detailed description of specific embodiments in connection with the accompanying drawings. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
       The following drawings form part of the present specification and are included to further demonstrate certain aspects of the present invention. The invention may be better understood by reference to one or more of these drawings in combination with the detailed description of specific embodiments presented herein. 
         FIG.  1    is a schematic block diagram illustrating one embodiment of a system for activation-based marketing; 
         FIG.  2    is a schematic block diagram illustrating one embodiment of a database system for activation-based marketing; 
         FIG.  3    is a schematic block diagram illustrating one embodiment of a computer system that may be used in accordance with certain embodiments of the system for activation-based marketing; 
         FIG.  4    is a schematic logical diagram illustrating one embodiment of abstraction layers of operation in a system for activation-based marketing; 
         FIG.  5    is a schematic block diagram illustrating one embodiment of an apparatus for activation-based marketing; 
         FIG.  6    is a detailed schematic block diagram illustrating one embodiment of a server suitably programmed for activation-based marketing; 
         FIG.  7    a schematic flow-chart diagram illustrating one embodiment of a method for activation-based marketing; 
         FIG.  8    is a conceptual flow-chart diagram illustrating a further embodiment of a method for activation-based marketing; 
         FIG.  9    is conceptual illustration of one embodiment of a method for activation-based marketing; 
         FIG.  10    is screen-shot diagram illustrating one embodiment of a display for activation-based marketing; 
         FIG.  11    is a screen-shot diagram illustrating a further embodiment of a display for activation-based marketing. 
     
    
    
     DETAILED DESCRIPTION 
     The term “coupled” is defined as connected, although not necessarily directly, and not necessarily mechanically. 
     The terms “a” and “an” are defined as one or more unless this disclosure explicitly requires otherwise. 
     The term “substantially” and its variations are defined as being largely but not necessarily wholly what is specified as understood by one of ordinary skill in the art, and in one non-limiting embodiment “substantially” refers to ranges within 10%, preferably within 5%, more preferably within 1%, and most preferably within 0.5% of what is specified. 
     The terms “comprise” (and any form of comprise, such as “comprises” and “comprising”), “have” (and any form of have, such as “has” and “having”), “include” (and any form of include, such as “includes” and “including”) and “contain” (and any form of contain, such as “contains” and “containing”) are open-ended linking verbs. As a result, a method or device that “comprises,” “has,” “includes” or “contains” one or more steps or elements possesses those one or more steps or elements, but is not limited to possessing only those one or more elements. Likewise, a step of a method or an element of a device that “comprises,” “has,” “includes” or “contains” one or more features possesses those one or more features, but is not limited to possessing only those one or more features. Furthermore, a device or structure that is configured in a certain way is configured in at least that way, but may also be configured in ways that are not listed. 
     Various features and advantageous details are explained more fully with reference to the nonlimiting embodiments that are illustrated in the accompanying drawings and detailed in the following description. Descriptions of well known starting materials, processing techniques, components, and equipment are omitted so as not to unnecessarily obscure the invention detail. It should be understood, however, that the detailed description and the specific examples, while indicating embodiments of the invention, are given by way of illustration only, and not by way of limitation. Various substitutions, modifications, additions, and/or rearrangements within the spirit and/or scope of the underlying inventive concept will become apparent to those skilled in the art from this disclosure. 
     Certain units described in this specification have been labeled as modules, in order to more particularly emphasize their implementation independence. A module is “[a] self-contained hardware or software component that interacts with a larger system.” Alan Freedman, “The Computer Glossary” 268 (8th ed. 1998). A module comprises a machine or machines executable instructions. For example, a module may be implemented as a hardware circuit comprising custom VLSI circuits or gate arrays, off-the-shelf semiconductors such as logic chips, transistors, or other discrete components. A module may also be implemented in programmable hardware devices such as field programmable gate arrays, programmable array logic, programmable logic devices or the like. 
     Modules may also include software-defined units or instructions, that when executed by a processing machine or device, transform data stored on a data storage device from a first state to a second state. An identified module of executable code may, for instance, comprise one or more physical or logical blocks of computer instructions which may be organized as an object, procedure, or function. Nevertheless, the executables of an identified module need not be physically located together, hut may comprise disparate instructions stored in different locations which, when joined logically together, comprise the module, and when executed by the processor, achieve the stated data transformation. 
     Indeed, a module of executable code may be a single instruction, or many instructions, and may even be distributed over several different code segments, among different programs, and across several memory devices. Similarly, operational data may be identified and illustrated herein within modules, and may be embodied in any suitable form and organized within any suitable type of data structure. The operational data may be collected as a single data set, or may be distributed over different locations including over different storage devices. 
     In the following description, numerous specific details are provided, such as examples of programming, software modules, user selections, network transactions, database queries, database structures, hardware modules, hardware circuits, hardware chips, etc., to provide a thorough understanding of the present embodiments. One skilled in the relevant art will recognize, however, that the invention may be practiced without one or more of the specific details, or with other methods, components, materials, and so forth. In other instances, well-known structures, materials, or operations are not shown or described in detail to avoid obscuring aspects of the invention. 
       FIG.  1    illustrates one embodiment of a system  100  for activation-based marketing. The system  100  may include a server  102 , a data storage device  104 , a network  108 , and a user interface device  110 . In a further embodiment, the system  100  may include a storage controller  106 , or storage server configured to manage data communications between the data storage device  104 , and the server  102  or other components in communication with the network  108 . In an alternative embodiment, the storage controller  106  may be coupled to the network  108 . 
     In a general embodiment, the system  100  may generate a personalized action plan corresponding to a customer, where the personalized action plan is generated based upon customer information comprising: a consumer activation index of the customer, and demographic information about the customer. Specifically, the system  100  may determine a life stage associated with a target individual, determine an attitudinal segment associated with the target individual, determine a response model associated with the target individual, assign the target individual to at least one of a predetermined set of segmentation groups in response to the life stage, the attitudinal segment, and the response model associated with the individual, and generate a personalized communication modality tailored to the target individual in response to the segmentation group assigned to the target individual. 
     In one embodiment, the user interface device  110  is referred to broadly and is intended to encompass a suitable processor-based device such as a desktop computer, a laptop computer, a Personal Digital Assistant (PDA), a mobile communication device or organizer device having access to the network  108 . In a further embodiment, the user interface device  110  may access the Internet to access a web application or web service hosted by the server  102  and provide a user interface for enabling a user to enter or receive information. For example, the user may enter an identifier of a product, service, or program to be marketed. Alternatively, the user may enter an identifier of an individual to be contacted for marketing purposes. 
     The network  108  may facilitate communications of data between the server  102  and the user interface device  110 . The network  108  may include any type of communications network including, but not limited to, a direct PC to PC connection, a local area network (LAN), a wide area network (WAN), a modem to modem connection, the Internet, a combination of the above, or any other communications network now known or later developed within the networking arts which permits two or more computers to communicate, one with another. 
     In one embodiment, the server  102  is configured to determine a life stage associated with a target individual, determine an attitudinal segment associated with the target individual, determine a response model associated with the target individual, assign the target individual to at least one of a predetermined set of segmentation groups in response to the life stage, the attitudinal segment, and the response model associated with the individual, and generate a personalized communication modality tailored to the target individual in response to the segmentation group assigned to the target individual. Additionally, the server may access data stored in the data storage device  104  via a Storage Area Network (SAN) connection, a LAN, a data bus, or the like. 
     The data storage device  104  may include a hard disk, including hard disks arranged in an Redundant Array of Independent Disks (RAID) array, a tape storage drive comprising a magnetic tape data storage device, an optical storage device, or the like. In one embodiment, the data storage device  104  may store health related data, such as insurance claims data, consumer data, or the like. The data may be arranged in a database and accessible through Structured Query Language (SQL) queries, or other data base query languages or operations. 
       FIG.  2    illustrates one embodiment of a data management system  200  configured to store and manage data for activation-based marketing. In one embodiment, the system  200  may include a server  102 . The server  102  may be coupled to a data-bus  202 . In one embodiment, the system  200  may also include a first data storage device  204 , a second data storage device  206  and/or a third data storage device  208 . In further embodiments, the system  200  may include additional data storage devices (not shown). In such an embodiment, each data storage device  204 - 208  may host a separate database of demographic information, response information, activation index values, and the like. The customer information in each database may be keyed to a common field or identifier, such as an individual&#39;s name, social security number, customer number, or the like. Alternatively, the storage devices  204 - 208  may be arranged in a RAID configuration for storing redundant copies of the database or databases through either synchronous or asynchronous redundancy updates. 
     In one embodiment, the server  102  may submit a query to selected data storage devices  204 - 206  to collect a consolidated set of data elements associated with an individual or group of individuals. The server  102  may store the consolidated data set in a consolidated data storage device  210 . In such an embodiment, the server  102  may refer back to the consolidated data storage device  210  to obtain a set of data elements associated with a specified individual. Alternatively, the server  102  may query each of the data storage devices  204 - 208  independently or in a distributed query to obtain the set of data elements associated with a specified individual. In another alternative embodiment, multiple databases may be stored on a single consolidated data storage device  210 . 
     In various embodiments, the server  102  may communicate with the data storage devices  204 - 210  over the data-bus  202 . The data-bus  202  may comprise a SAN, a LAN, or the like. The communication infrastructure may include Ethernet, Fibre-Chanel Arbitrated Loop (FC-AL), Small Computer System Interface (SCSI), and/or other similar data communication schemes associated with data storage and communication. For example, the server  102  may communicate indirectly with the data storage devices  204 - 210 ; the server may first communicate with a storage server or storage controller  106 . 
     In one example of the system  200 , the first data storage device  204  may store data associated with insurance claims made by one or more individuals. The insurance claims data may include data associated with medical services, procedures, and prescriptions utilized by the individual. In one particular embodiment, the first data storage device  202  included insurance claims data for over 56 million customers of a health insurance company. The database included claims data spanning over 14 years. Of those 56 million members, 26 million had a five year history or more. The health insurance claims data may be utilized by the server  102  for identification of marketing opportunities (e.g., marketing of prescription drugs or preventative health programs), determination of the individual&#39;s attitude toward healthcare as evidenced through service utilization; determination of activation indexes, and the like. 
     In one embodiment, the second data storage device  206  may store demographic data associated with the individual. The demographic data may include one or more of the age, gender, ethnicity, marital status, number of children, income level, credit rating, education level, and the like. In one embodiment, the demographic data may include marketing information available from a commercial direct marketing data provider. 
     The third data storage device  208  may store response data associated with the individual. For example, the third data storage device  208  may include data associated with the individual&#39;s response to previous marketing communications. Such data may include transactions on website, calls to a customer service line, or enrollment in marketed programs or services. 
     A fourth data storage device (not shown) may store an activation index associated with the individual. For example, the activation index data may be obtained from commercially available sources, such as the Consumer Activation Index™ available from United Health Group®. 
     The server  102  may host a software application configured for activation-based marketing. The software application may further include modules for interfacing with the data storage devices  204 - 210 , interfacing a network  108 , interfacing with a user, and the like. In a further embodiment, the server  102  may host an engine, application plug-in, or application programming interface (API). In another embodiment, the server  102  may host a web service or web accessible software application. 
       FIG.  3    illustrates a computer system  300  adapted according to certain embodiments of the server  102  and/or the user interface device  110 . The central processing unit (CPU)  302  is coupled to the system bus  304 . The CPU  302  may be a general purpose CPU or microprocessor. The present embodiments are not restricted by the architecture of the CPU  302 , so long as the CPU  302  supports the modules and operations a s described herein. The CPU  302  may execute the various logical instructions according to the present embodiments. For example, the CPU  302  may execute machine-level instructions according to the exemplary operations described below with reference to  FIG.  7   . 
     The computer system  300  also may include Random Access Memory (RAM)  308 , which may be SRAM, DRAM, SDRAM, or the like. The computer system  300  may utilize RAM  308  to store the various data structures used by a software application configured for activation-based marketing. Thus, the computer system may be suitable programmed for activation-based marketing. The computer system  300  may also include Read Only Memory (ROM)  306  which may be PROM, EPROM, EEPROM, optical storage, or the like. The ROM may store configuration information for booting the computer system  300 . The RAM  30 $ and the ROM  306  hold user and system  100  data. 
     The computer system  300  may also include an input/output (I/O) adapter  310 , a communications adapter  314 , a user interface adapter  316 , and a display adapter  322 . The I/O adapter  310  and/or the user interface adapter  316  may, in certain embodiments, enable a user to interact with the computer system  300  in order to input information for user controls, identification of a product, service, or program for marketing, identification of a target individual, and note regarding the target individual&#39;s response to the marketing approach. In a further embodiment, the display adapter  322  may display a graphical user interface associated with a software or web-based application for activation-based marketing. 
     The I/O adapter  310  may connect to one or more storage devices  312 , such as one or more of a hard drive, a Compact Disk (CD) drive, a floppy disk drive, a tape drive, to the computer system  300 . The communications adapter  314  may be adapted to couple the computer system  300  to the network  108 , which may be one or more of a LAN and/or WAN, and/or the Internet. The user interface adapter  316  couples user input devices, such as a keyboard  320  and a pointing device  318 , to the computer system  300 . The display adapter  322  may be driven by the CPU  302  to control the display on the display device  324 . 
     The present embodiments are not limited to the architecture of system  300 . Rather the computer system  300  is provided as an example of one type of computing device that may be adapted to perform the functions of a server  102  and/or the user interface device  110 . For example, any suitably programmed processor-based device may be utilized including without limitation, including personal data assistants (PDAs), computer game consoles, and multi-processor servers. Moreover, the present embodiments may be implemented on application specific integrated circuits (ASIC) or very large scale integrated (VLSI) circuits. In fact, persons of ordinary skill in the art may utilize any number of suitable structures capable of executing logical operations according to the described embodiments. 
       FIG.  4    illustrates one embodiment of a network-based system  400  for activation-based marketing. In one embodiment, the network-based system  400  includes a server  102 . Additionally, the network based system  400  may include a user interface device  110 . In still a further embodiment, the network-based system  400  may include one or more network-based client applications  402  configured to be operated over a network  108  including an intranet, the Internet, or the like. In still another embodiment, the network-based system  400  may include one or more data storage devices  104 . 
     The network-based system  400  may include components or devices configured to operate in various network layers. For example, the server  102  may include modules configured to work within an application layer  404 , a presentation layer  406 , a data access layer  408  and a metadata layer  410 . In a further embodiment, the server  102  may access one or more data sets  418 - 422  that comprise a data layer or data tier  430 . For example, a first data set  418 , a second data set  420  and a third data set  422  may comprise a data tier  430  that is stored on one or more data storage devices  204 - 208 . 
     One or more web applications  412  may operate in the application layer  404 . For example, a user may interact with the web application  412  though one or more I/O interfaces  318 ,  320  configured to interface with the web application  412  through an I/O adapter  310  that operates on the application layer. In one particular embodiment, a web application  412  may be provided for activation based marketing that includes software modules configured to perform the steps of generating as personalized action plan corresponding to a customer, where the personalized action plan is generated based upon customer information comprising: a consumer activation index of the customer, and demographic information about the customer. 
     In a further embodiment, the server  102  may include components, devices, hardware modules, or software modules configured to operate in the presentation layer  405  to support one or more web services  414 . For example, a web application  412  may access or provide access to a web service  414  to perform one or more web-based functions for the web application  412 . In one embodiment, a web application  412  may operate on a first server  102  and access one or more web services  414  hosted on a second server (not shown) during operation. 
     For example, a web application  412  for activation-based marketing may access a first web service  414  for collecting an activation index value, such as the Consumer Activation Index™ from a third-party provider. The web services  414  may receive an identifier associated with the target individual. In response, the web service  414  may return data the Consumer Activation Index™ value. One of ordinary skill in the art will recognize various web based architectures employing web services  414  for modular operation of a web application  412 . 
     In one embodiment, a web application  412  or a web service  414  may access one or more of the data sets  418 - 422  through the data access layer  408 . In certain embodiments, the data access layer  408  may be divided into one or more independent data access layers  416  for accessing individual data sets  418 - 422  in the data tier  430 . These individual data access layers  416  may be referred to as data sockets or adapters. The data access layers  416  may utilize metadata from the metadata layer  410  to provide the web application  412  or the web service  414  with specific access to the data set  412 . 
     For example, the data access layer  416  may include operations for performing a query of the data sets  418 - 422  to retrieve specific information for the web application  412  or the web service  414 . In a more specific example, the data access layer  416  may include a query for demographic response data associated with a target individual. 
       FIG.  5    illustrates one embodiment of at apparatus  500  for activation-based marketing. In one embodiment, the apparatus  500  is a server  102  configured to load and operate software-defined modules  502 - 510  configured for activation based marketing. Alternatively, the apparatus  500  may include hardware modules  502 - 510  configured with analogue or digital logic, firmware executing FPGAs, or the like configured to determine a life stage associated with a target individual, determine an attitudinal segment associated with the target individual, determine a response model associated with the target individual, assign the target individual to at least one of a predetermined set of segmentation groups in response to the life stage, the attitudinal segment, and the response model associated with the individual, and generate a personalized communication modality tailored to the target individual in response to the segmentation group assigned to the target individual. In such embodiments, the apparatus  500  may include a life stage module  502 , an attitude analyzer  504 , a response model generator  506 , a segmentation module  508 , and a modality generator  510 . 
     In one embodiment, the life stage module  502  may determine a life stage associated with a target individual. For example, the life stage module  502  may analyze demographic data to determine the present stage of life of the target individual. For example, the life stage module  502  may group the target individual into an age group, a gender group, a marital status group, a socioeconomic group, or the like. In one embodiment, the life stage module  502  may analyze the life stage of the target individual by comparing the demographic data associated with the target individual against predetermined tables, threshold values, or other criteria for determining life stage groupings. 
     In one embodiment, the attitude analyzer  504  may determine an attitudinal segment associated with the target individual. For example, the attitude analyzer  504  may gather information about the target individual and categorize the individual according to a set of attitudinal segments. In one embodiment, the attitudinal segment generally describes the psychological influences that affect the target individual&#39;s overall attitude in life and drive behavior changes. In one embodiment, the attitude analyzer  504  may analyze financial management data, health management data, and engagement data as described below in greater detail with reference to  FIG.  6   . 
     In one embodiment, the response model generator  506  may determine a response model associated with the target individual. For example, the response model generator  506  may generate a model describing the target in predicted response to communications of various forms. In one embodiment, the response model generator  506  may obtain communication response data from one of the data storage devices  204 - 210 . For example, the response model generator  506  may retrieve historical response data associated with the target individual. The historical response data may include an indicant of a type of communication sent to the target individual, as well as an indicant of the target individuals response to that communication. In one embodiment, a response may include enrollment in a program, consideration of a new service, logging into a web site, willingness to discuss a prescription drug with a customer service representative over the telephone, or the like. In another embodiment, the response data may indicate that the target individual did not respond at all to a particular communication, such as a direct mailer. 
     In one embodiment, the segmentation module  508  may assign the target individual to at least one of a predetermined set of segmentation groups in response to the life stage, the attitudinal segment, and the response model associated with the target individual. For example, the segmentation module  508  may categorize the target individual according to one or more predetermined master segments. The master segments may be descriptive of the aggregate of the life stage, attitude, and responsiveness of the target individual. 
     In one embodiment, the modality generator  510  may generate a personalized action plan corresponding to the a customer. For example, the modality generator  510  may generate a personalized communication modality tailored to the target individual in response to the segmentation group assigned to the target individual. The modality generator  510  may generate the personalized action plan and/or communication modality in response to the master segment assigned to the target individual by the segmentation module  508 . 
       FIG.  6    illustrates another embodiment of a server  102 , In the depicted embodiment, the server may include the life stage module  502 , the attitude analyzer  504 , the response model generator  506 , the segmentation module  508 , and the modality generator  510  as described above with relation to  FIG.  5   . Additionally, the server  102  may include an activation index module  602 . 
     In one embodiment, the activation index module  602  is configured to obtain an activation index value, such as a Consumer Activation Index™ available from United Health Group®. For example, the activation index module  602  may include an API or the like for interfacing the Consumer Activation Index™ provider. In one embodiment, the activation index may be obtained from a web service  414 . Alternatively, the activation index may be obtained through a direct computer-computer connection, a modem connection, or a network connection. One of ordinary skill in the art will recognize alternative methods for obtaining the activation index from the provider. 
     Consumer Activation Index™ may include an index value providing a measurement of a health insurance customer&#39;s engagement level within his/her health plan. For example, the Consumer Activation Index™ may be similar to a FICO™ score, except that the Consumer Activation Index™ may be a measurement of health plan utilization rather than credit utilization. The Consumer Activation Index™ may include an aggregated quantization of a the customer&#39;s clinical decisions, service decisions, and healthcare-related financial decisions. For example, clinical decisions may include utilization of wellness exams, diabetes monitoring, cancer screenings, and the like. Service decisions may include utilization of less expensive service alternatives, such as online information services or Nurseline™. Financial decisions may include utilization of providers that are within a specified health plan network and/or utilization of generic drugs. In one embodiment, commercially available metrics, such as Consumer Activation Index™, may provide metrics of these types of factors. 
     In one embodiment, the attitude analyzer  504  may further include a financial management analyzer  604 , a health management analyzer  606 , and an engagement analyzer  608 . In such an embodiment, the attitude analyzer  504  may determine a metric of the target individual&#39;s attitude by aggregating the metrics provided by these modules  604 - 608 . 
     For example, the financial management analyzer  604  may collect data regarding the target individual&#39;s financial management. This data may include credit information, savings information, budget information, an indicator of whether the target individual has executed a will, and indication of whether the individual has a financial advisor, accountant, or the like. This information may be collected through surveys directed to the target individual. Alternatively, this information may be obtained from third party information providers. In one embodiment, the financial management analyzer  604  may generate, for example, a financial management score. The financial management score may be calculated by assigning a score of, e.g., ‘1,’ ‘0,’ or the like to each of the criteria considered. Alternatively, the score values may be weighted according to the importance or extent of the financial management characteristic being measured. 
     For example, the financial management analyzer  604  may assign a ‘1’ to an individual who has executed a will. In another embodiment, the financial management analyzer may assign a for every thousand dollars the target individual has in savings. In still another embodiment, if it is deemed particularly important, a weighted score may be assigned if the target individual has an accountant or a financial advisor. The scores may be aggregated into a composite financial management score. 
     In one embodiment, the health management analyzer  606  may collect information regarding the target individual&#39;s health management style. In a further embodiment, the health management analyzer  606  may provide a metric or health management score representing the target individual&#39;s attitude toward health management. The health management analyzer  606  may analyze lifestyle choices, such as vegetarianism, memberships to health clubs, etc. Additionally, the health management analyzer  606  may analyze the target individual&#39;s history and quality of healthcare, medical consumption habits, value of insurance, exercise habits, and the like. The method of calculating such a score may be substantially the same as that described above with relation to the financial management analyzer  604 . 
     In one embodiment, the engagement analyzer  608  may gather information regarding the target individual&#39;s willingness to engage. For example, the engagement analyzer  608  may consider consumer habits, media habits and usage, interest in new products, survey results regarding happiness and psychological state, etc. The engagement analyzer  608  may also provide a score as described above with relation to the financial management analyzer  604 . 
     In a further embodiment, metrics, such as scores, provided by the financial management analyzer  604 , the health management analyzer  606  and the engagement analyzer  608  may be aggregated into a composite attitude indicator. The attitude indicator may include a score, an index, a metric, a quantitative measure, a graph, or the like. 
     In certain embodiments, the response model generator  506  may further include a direct mail module  610 , an electronic channel model  612 , and a telephone module  614 . In such an embodiment, the response model generator  506  may generate a response model of the target individual based on the aggregated response data for various marketing communication forms exemplified by these modules  610 - 614 . The communication forms may also include door hangers, package inserts, magazines, newspapers, radio, television, internet banner ads, digital campaigns, pay-per-click ads, billboards, transit ads, or the like. The response information may concern foe target individual or a group of individuals sharing one or more predetermined attributes with the targeted individual, e.g., a cohort group. 
     For example, the direct mail module  610  may collect information regarding the target individual or group&#39;s historical response or predicted response to a paper-based medium, such as direct mail or the like, including, but not limited to, postcards, letters, invitation to programs, statements, coupons, advertising circulars, catalogs, free trial CDs, pre-approved credit card applications, and other unsolicited merchandising invitations delivered by mail or to homes and businesses, or delivered to consumers&#39; mailboxes by delivery services other than the Post Office. The target individual may be instructed to take a specific action, for instance to call a free phone number or visit a website, and the response information may then be generated and recorded if the individual follows the instructions. The response information may be collected by surveys directed to the target individual or from third party information providers. The response information may be evaluated on a scale or assigned a score based on the responses from the target individual or group. The response information may also include additional information like marketing frequency, the time period between communication and response, the response percentage of the cohort group of individuals, etc. For example, a score of ‘0’ may be assigned to no response to the direct mail from the target individual in a predetermined time period (e.g., a year). 
     In one embodiment, the electronic channel module  612  may collect information regarding the individual or group&#39;s response to communications via various electronic channels, such as emails, portal messaging, online coaching, short message service or silent messaging service (SMS) or any online communication that may be associated with Internet search (e.g., search engines like Google, Yahoo, or the like) or use of websites (e.g., social media websites such as Facebook, Twitter, Linkedin, Myspace, or the like). In the case of email marketing, response information may be collected by email tracking to monitor if the target individual or group receives the email, opens the email and/or clicks a website included in the email. The response information may also be collected by survey or third party providers and be processed to generate a score substantially the same as that described above with relation to the direct mail module  610 . 
     In one embodiment, the telephone module  614  may gather information regarding the target individual or group&#39;s response to phone-based communication, such as telephone, voice mail messages, or the like, which can be inbound, outbound, or interactive voice response (IVR). The telephone module  614  may analyze information such as direct response to the communication and generate a score substantially the same as describe above with relation to other response model generate modules. 
     In a further embodiment, the modality generator  510  may include a content generator  616 , a tonal guideline generator  618 , and a communication channel selector  620 . For example, the modality generator may generate a customized communication modality for the target individual in response to an integrated analysis of the individual&#39;s life stage, attitude, and response model to satisfy certain criteria, such as an optimal response rate, or an optimal acceptance rate. The integrated analysis may be through identifying the individual with at least one or more segments by the segmentation module  508  and a customized communication plan suitable for the individual may be generated in response to the identifying segmentation group(s). 
     For example, the content generator  616  may generate a customized content in response to the segmentation group or an aggregation of the life stage, attitude, and response model of the target individual. In a certain aspect, a database of contents may be classified according to various segmentation groups. The content generator  616  may then retrieve the content matching the segmentation group assigned to the target individual or make recommendations for several appropriate contents which suit the segmentation group(s). 
     In one embodiment, the tonal guideline generator  618  may also create a recommendation for use of language in the communication customized for the target individual. The use of language may include sound attributes and/or mood or attitude encompassed in the customized communication. For example, the tonal guideline may include a recommendation of sound attributes, such as pitch, speed, use of pauses if the communication channels is selected as the phone by the communication channel selector  620 . In certain aspects, the tonal guideline generator  618  may also generate a guideline for the attitude/mood toward the target individual, for example, formal, informal, serious, playful, thoughtful, respectful, caring, lively, candid, friendly, enthusiastic, etc. The generation of a customized tonal guideline may be based on the segmentation group(s) the target individual is assigned to. 
     In one embodiment, the communication channel selector  620  may generate a decision or a recommendation for one or more communication channels suitable for the targeted individual. Such a communication channel may be any channel corresponding to the determined segmentation group. For example, the channel selector  620  may create such decision or recommendation based on its preferences predicted for the segmentation group. A particular example may be a selection of a telephone channel for a segmentation group such as empty nesters to fill in their emotional needs. 
     The schematic flow chart diagrams that follow are generally set forth as logical flow chart diagrams. As such, the depicted order and labeled steps are indicative of one embodiment of the presented method. Other steps and methods may be conceived that are equivalent in function, logic, or effect to one or more steps, or portions thereof, of the illustrated method. Additionally, the format and symbols employed are provided to explain the logical steps of the method and are understood not to limit the scope of the method. Although various arrow types and line types may be employed in the flow chart diagrams, they are understood not to limit the scope of the corresponding method. Indeed, some arrows or other connectors may be used to indicate only the logical flow of the method. For instance, an arrow may indicate a waiting or monitoring period of unspecified duration between enumerated steps of the depicted method. Additionally, the order in which a particular method occurs may or may not strictly adhere to the order of the corresponding steps shown. 
       FIG.  7    illustrates one embodiment of a method  700  for activation-based marketing. In one embodiment, the method  800  starts when the server  102  collects relevant information about the target individual, including demographic information, information related to attitude, and response information. The method  900  may continue when the life stage module  502  determines  702  a life stage of the target individual, for example, a life stage as a young single, a young family, a mature family, an empty nester, an ill person. The attitude analyzer  504  may determine  704  an attitudinal segment of the target individual, for example, by categorizing member attitudes, perceptions, values, and/or overall engagement in life using cohort matching. The response model generator  506  may determine  706  a response model for the target individual, for example, a prediction of channel and frequency of message delivery on the target individual&#39;s propensity to respond to that particular message through a specific channel based on measurement of history responses. The steps  702 ,  704  and  706  may be performed simultaneously, or sequentially in any order or a predetermined order. An additional step may include measurement of decision making behaviors like a member&#39;s engagement level with the health plan, such as consumer activation index (CAI™). 
     The segmentation module  508  may then characterize  708  the target individual according to one or more of a predetermined set of population segmentation groups in response to the life stage, attitudinal segment, and response model associated with the target individual. In a further embodiment, the modality generator  510  may generate  710  a personalized communication modality to the target individual in response to the assigned segmentation group(s), such as a selection of content, tone, communication channels. 
       FIG.  8    illustrates one embodiment of a method  900  for activation-based marketing. For example, the multi-dimensional method  900  may provide a data-driven approach for member activation and engagement based on life stages (including demographics), attitudinal cohorts, and communication medium preference. The method  800  may allow to design and deliver more relevant and targeted activation through customized communications, incentive and benefit designs, and/or care and coaching plan enhancements, as well as consumer and community-based resources or services (e.g., myuhc.com). It may also increase member participation, reduce engagement costs and ultimately allow to yield higher rate of return (ROI) and behavior change (customer activation index—CAI™). The improvement in behavior changes may reflect more optimal decisions clinically, financially, or service-wise. 
       FIG.  9    illustrates one embodiment of a display  900  for activation-based marketing. For example, a target individual such as consumer may be analyzed by life stage module  502 , attitude analyzer  504 , and response model generator  506 . These analytical results are integrated by a segmentation module  508  to generate segmentation results. An exemplary segmentation group may be “empty nester, system expert, emotion based messaging . . . ,” which includes an embodiment of the life stage, an embodiment of the attitude, an embodiment of the response prediction determined for a specific consumer. In response to the segmentation group, a personalized tone, targeted message and channel modality may be generated. In one embodiment, the message may be delivered in a preferred channel for the consumer, with a tone that resonates with the consumer, and in language that reflects understanding of the consumer&#39;s individual needs. For example, for a consumer determined to belong to the segmentation group “empty nester, system expert, and emotion based messaging . . . ,” a modality generator  510  may determine that the phone may be the optimal channel, and a personalized message with a warm and caring tone and a content focused on help and understanding the consumer&#39;s needs may help create a trusting relationship with the consumer. 
       FIG.  10    illustrates one embodiment of a display  900  for activation-based marketing. An exemplary scenario for activation-based marketing is provided, For example, Joe Lamb is a high risk diabetic with a health index that indicates that he is receptive to changing his health care behavior. Joe&#39;s consumer profile is generated from the segmentation analysis of life stage, attitude, and response. The consumer profile indicates that Joe may prefer one method of communication—the phone. Joe&#39;s case is assigned to his nurse, Susan. Before calling him, Susan reviews the rest of Joe&#39;s profile, such as presented in display  900 . The display  900  is an integrated consumer and medical profile, which allows the nurse to have all of the relevant information regarding Joe in a consolidated view, for example, attitude analysis (system expert), demographic information and response index as shown in profile  1002 . Medial opportunities and preference information are shown. 
       FIG.  11    illustrates one embodiment of a display  900  for activation-based marketing. Based on analysis of the consumer profile  1102 , especially the circled components, a personalized activation plan may be generated by the modality generator  510 , which include interim steps  1104 , communication modality  1106  by appointment scheduling, and communication content  1108 . Through the combination of these dynamic assets and steps, the inventors may help create a relationship with a targeted individual by inducing behavioral changes. This approach may be leveraged throughout the entire consumer experience—from on-boarding clinical management and incentives. The communications and interactions with the targeted individual could be consistent with the individual&#39;s segmentation group based on combination of the life stage, attitudinal cohort analysis, and response model. 
     All of the methods disclosed and claimed herein earl be made and executed without undue experimentation in light of the present disclosure. While the apparatus and methods of this invention have been described in terms of preferred embodiments, it will be apparent to those of skill in the art that variations may be applied to the methods and in the steps or in the sequence of steps of the method described herein without departing from the concept, spirit and scope of the invention. In addition, modifications may be made to the disclosed apparatus and components may be eliminated or substituted for the components described herein where the same or similar results would be achieved. All such similar substitutes and modifications apparent to those skilled in the art are deemed to be within the spirit, scope, and concept of the invention as defined by the appended claims.