4 ms·

You mean data brokers (https://en.wikipedia.org/wiki/Information_broker https://en.wikipedia.org/wiki/Information_broker) Top US brokers: - Acxiom - Experian

You mean data brokers (https://en.wikipedia.org/wiki/Information_broker https://en.wikipedia.org/wiki/Information_broker) Top US brokers: - Acxiom - Experian - Epsilon - CoreLogic - Datalogix - eBureau - ID Analytics - inome - PeekYou - Rapleaf - Recorded Future Protip: loyalty/reward cards are a gold mine, especially drug store purchase receipt data

AndrewKemendo 10y ago
Right, but where do they get their data? Are they rolling their own JS API that developers roll into each page? I certainly have never put any of that into any site I've made or seen.
- mehrdadn 10y ago
  > Right, but where do they get their data? Yeah, I'm basically looking for the companies whose answer to this question is "by actually mining the data ourselves from your doctor, grocery store, Facebook, etc.".
  - dsp1234 10y ago
    Why do you think it works this way and not the other way around as well? Grocery stores shop their data around to see who will pay the most for it. A person who is out of work goes to the local courthouse and requests a bunch of records, compiles them into a spreadsheet and then cold (or warm with something like LinkedIn) calls to see if anyone is interested in the data. An online quiz company is going out of business, and as part of their bankruptcy settlement, they sell off their database of answers at auction. etc, etc, etc. As pointed out elsewhere, it's a marketplace, and as such there are going to be buyers and sellers. Some of those sellers are going to be primary sources themselves.
    - mehrdadn 10y ago
      Good question. I thought it works that way because it takes a lot of work to sanitize and cross-link people's data to other datasets accurately, so even if it's a "push" model, I still can't believe that every single website that does this does their own data cleaning & ML & whatnot. It's far too much repeated work and a good business to just do the work and sell it off to others. So I'd assume a few companies have to be making profits at the lower layer regardless of whether it's a pull or a push model.
      - dsp1234 10y ago
        As mentioned elsewhere, you seem to have a lot of unfounded assumptions, and misconceptions about this sector. It's far too much repeated work Companies will repeat work over and over again if it's cheaper than buying it, they have custom needs that aren't filled with the data available, etc. Businesses repeat work all the time, and this is not any different. Additionally, for many businesses in the sector, they themselves are the primary source for data. For them it's not repeated work. a good business to just do the work and sell it off to others. Yes, that's why some aggregators exist. They make money by brokering the data from multiple sources, some primary and some resold. But they are the tip of the iceberg. You seem to be under the impression that there is some small list of companies who are all working from primary sources, and that everyone then gets feeds of data from those companies. This would make sense if gathering data was very difficult, or had a natural resource-like limitations. So that model works well for something like diamond mining (as compared to diamond growing), because the number of diamond mines are limited, and there is a natural entry barrier. However, that doesn't take into account the fact that gathering this data is generally easy. Sometimes it's very easy, such as a sftp feed of data from a government records database. Sometimes it's a bit harder, such as needing to physically be present to obtain the data. That means there is very little barrier to entry, and thus generally there is going to be a lot of competition, and thus many companies vying to make money. Personal data has value just like any other commodity. So a bit of economic theory goes a long way to understanding what the boundaries of a market might be. Low production cost, high profit goods generally have a large number of companies in the market.
- executive 10y ago
  They buy it direct from credit card companies, retail stores, 'free' online widgets (AddThis biz model: https://www.quora.com/Whats-the-business-model-for-AddThis-and-ShareThis https://www.quora.com/Whats-the-business-model-for-AddThis-a...), etc
  - AndrewKemendo 10y ago
    Right, that all makes sense but seems like it would be more of a grind than a simple JS API. You are effectively creating a marketplace.
    - executive 10y ago
      Correct - see http://www.crosspixel.net http://www.crosspixel.net for example: "Cross Pixel's DMP is powered by our proprietary data relationships with more than 5,500 web sites and mobile apps where we identify and harvest the shopping and researching behaviors on over 650 million unique browsers. Our data partners are leading e-Commerce sites, search directories, comparison shopping engines, coupon sites and toolbars across North America and Latin America." In general, the 'marketplace' is usually the DMP (Data Management Platform) where two parties can meet and share segments without data leakage (for example - Krux is a DMP used by a lot of Fortune 500 companies). However the lines between DMP and Data Provider are blurring in recent years...
      - AndrewKemendo 10y ago
        Great answer thanks! I hadn't heard the term DMP
        x0x0 10y ago
        BlueKai is one of the biggest; it's a data marketplace for cookie-tagged data. They were bought by Oracle a few years ago.
        GFischer 10y ago
- VT_Drew 10y ago
  > Right, but where do they get their data? You give it to them when you sign up for that stupid rewards card.
e15ctr0n 10y ago
New York Times reporter Natasha Singer has extensively covered the data broker industry for the past several years. Here are some of the key articles but you can find more at https://www.nytimes.com/by/natasha-singer https://www.nytimes.com/by/natasha-singer Jun 16, 2012 | Acxiom, the Quiet Giant of Consumer Database Marketing http://www.nytimes.com/2012/06/17/technology/acxiom-the-quiet-giant-of-consumer-database-marketing.html http://www.nytimes.com/2012/06/17/technology/acxiom-the-quie... Jul 21, 2012 | Consumer Data, but Not for Consumers http://www.nytimes.com/2012/07/22/business/acxiom-consumer-data-often-unavailable-to-consumers.html http://www.nytimes.com/2012/07/22/business/acxiom-consumer-d... Jul 24, 2012 | Congress Opens Inquiry Into Data Brokers http://www.nytimes.com/2012/07/25/technology/congress-opens-inquiry-into-data-brokers.html http://www.nytimes.com/2012/07/25/technology/congress-opens-... Dec 08, 2012 | Company Envisions 'Vaults' for Personal Data http://www.nytimes.com/2012/12/09/business/company-envisions-vaults-for-personal-data.html http://www.nytimes.com/2012/12/09/business/company-envisions... Aug 31, 2013 | A Data Broker Offers a Peek Behind the Curtain http://www.nytimes.com/2013/09/01/business/a-data-broker-offers-a-peek-behind-the-curtain.html http://www.nytimes.com/2013/09/01/business/a-data-broker-off... Sep 04, 2013 | Getting a Glimpse of Your Own Marketing Data Online http://bits.blogs.nytimes.com/2013/09/04/getting-a-glimpse-of-your-own-marketing-data/ http://bits.blogs.nytimes.com/2013/09/04/getting-a-glimpse-o... Sep 04, 2013 | Acxiom Lets Consumers See Data It Collects http://www.nytimes.com/2013/09/05/technology/acxiom-lets-consumers-see-data-it-collects.html http://www.nytimes.com/2013/09/05/technology/acxiom-lets-con... Dec 23, 2014 | Data Broker Is Charged With Selling Consumers' Financial Details to Fraudsters https://bits.blogs.nytimes.com/2014/12/23/data-broker-is-charged-with-selling-consumers-financial-details-to-fraudsters/ https://bits.blogs.nytimes.com/2014/12/23/data-broker-is-cha... Jun 28, 2015 | When a Company Is Put Up for Sale, in Many Cases, Your Personal Data Is, Too http://www.nytimes.com/2015/06/29/technology/when-a-company-goes-up-for-sale-in-many-cases-so-does-your-personal-data.html http://www.nytimes.com/2015/06/29/technology/when-a-company-... Pro tip: If you want to avoid giving out your purchase data, pay cash wherever possible.
mehrdadn 10y ago
+1 Thanks for actually posting a list!
bks 10y ago
Opt out links I found - Acxiom - https://isapps.acxiom.com/optout/optout.aspx https://isapps.acxiom.com/optout/optout.aspx Experian - http://www.experian.com/blogs/ask-experian/credit-education/preapproved-credit-offers/opt-out/ http://www.experian.com/blogs/ask-experian/credit-education/... DataLogix Holdings, Inc. https://www.datalogix.com/privacy/#opt-out-landing https://www.datalogix.com/privacy/#opt-out-landing Epsilon Data Management, LLC http://www.epsilon.com/consumer-preference-center http://www.epsilon.com/consumer-preference-center Equifax, Inc - https://help.equifax.com/app/answers/detail/a_id/2/noIntercept/1/kw/prescreen https://help.equifax.com/app/answers/detail/a_id/2/noInterce... Fair Isaac Corporation http://www.myfico.com/policy/privacypolicy.aspx http://www.myfico.com/policy/privacypolicy.aspx Intelius, Inc. https://www.intelius.com/optout.php https://www.intelius.com/optout.php LexisNexis Group http://www.lexisnexis.com/privacy/for-consumers/opt-out-of- http://www.lexisnexis.com/privacy/for-consumers/opt-out-of- lexisnexis.aspx TransUnion Corp. http://www.transunion.com/corporate/business/datareporting/support/opt-out.page http://www.transunion.com/corporate/business/datareporting/s...
- blacksmith_tb 10y ago
  The Epsilon link 404s, but I think this page is where it should have gone: https://www.epsilon.com/en_US/consumer-information/consumer-preference-center.html https://www.epsilon.com/en_US/consumer-information/consumer-...
- jibberia 10y ago
  Thanks, this is very useful. The paranoid voice in my head is wondering if these forms don't actually opt me out of anything, and instead just confirm to these companies that the information they have on me is correct.
- mehrdadn 10y ago
  +1 Thanks for sharing! If anyone's actually found these to work please share so we can get more confidence in them :)
- _archon_ 10y ago
  The LexisNexis link 404s (added a space), I believe this is correct: https://www.lexisnexis.com/privacy/for-consumers/opt-out-of-lexisnexis.aspx https://www.lexisnexis.com/privacy/for-consumers/opt-out-of-... Also, the following can't hurt: https://www.lexisnexis.com/privacy/directmarketingopt-out.aspx https://www.lexisnexis.com/privacy/directmarketingopt-out.as...
clubm8 10y ago
When I signed up for a major grocery store rewards card, I was able to put a bogus name on the form. How can they correlate my purchases with me specifically? Can they correlate the charges to my credit card with the times the rewards card was used? (This grocery store did not have a pharmancy)
- dredmorbius 10y ago
  Credit card or check payments will link records. Cellphone or MAC tracking. In the near future if not already, facial recognition.

AndrewKemendo 10y ago

Right, but where do they get their data? Are they rolling their own JS API that developers roll into each page? I certainly have never put any of that into any site I've made or seen.

mehrdadn 10y ago
> Right, but where do they get their data? Yeah, I'm basically looking for the companies whose answer to this question is "by actually mining the data ourselves from your doctor, grocery store, Facebook, etc.".
- dsp1234 10y ago
  Why do you think it works this way and not the other way around as well? Grocery stores shop their data around to see who will pay the most for it. A person who is out of work goes to the local courthouse and requests a bunch of records, compiles them into a spreadsheet and then cold (or warm with something like LinkedIn) calls to see if anyone is interested in the data. An online quiz company is going out of business, and as part of their bankruptcy settlement, they sell off their database of answers at auction. etc, etc, etc. As pointed out elsewhere, it's a marketplace, and as such there are going to be buyers and sellers. Some of those sellers are going to be primary sources themselves.
  - mehrdadn 10y ago
    Good question. I thought it works that way because it takes a lot of work to sanitize and cross-link people's data to other datasets accurately, so even if it's a "push" model, I still can't believe that every single website that does this does their own data cleaning & ML & whatnot. It's far too much repeated work and a good business to just do the work and sell it off to others. So I'd assume a few companies have to be making profits at the lower layer regardless of whether it's a pull or a push model.
    - dsp1234 10y ago
      As mentioned elsewhere, you seem to have a lot of unfounded assumptions, and misconceptions about this sector. It's far too much repeated work Companies will repeat work over and over again if it's cheaper than buying it, they have custom needs that aren't filled with the data available, etc. Businesses repeat work all the time, and this is not any different. Additionally, for many businesses in the sector, they themselves are the primary source for data. For them it's not repeated work. a good business to just do the work and sell it off to others. Yes, that's why some aggregators exist. They make money by brokering the data from multiple sources, some primary and some resold. But they are the tip of the iceberg. You seem to be under the impression that there is some small list of companies who are all working from primary sources, and that everyone then gets feeds of data from those companies. This would make sense if gathering data was very difficult, or had a natural resource-like limitations. So that model works well for something like diamond mining (as compared to diamond growing), because the number of diamond mines are limited, and there is a natural entry barrier. However, that doesn't take into account the fact that gathering this data is generally easy. Sometimes it's very easy, such as a sftp feed of data from a government records database. Sometimes it's a bit harder, such as needing to physically be present to obtain the data. That means there is very little barrier to entry, and thus generally there is going to be a lot of competition, and thus many companies vying to make money. Personal data has value just like any other commodity. So a bit of economic theory goes a long way to understanding what the boundaries of a market might be. Low production cost, high profit goods generally have a large number of companies in the market.
executive 10y ago
They buy it direct from credit card companies, retail stores, 'free' online widgets (AddThis biz model: https://www.quora.com/Whats-the-business-model-for-AddThis-and-ShareThis https://www.quora.com/Whats-the-business-model-for-AddThis-a...), etc
- AndrewKemendo 10y ago
  Right, that all makes sense but seems like it would be more of a grind than a simple JS API. You are effectively creating a marketplace.
  - executive 10y ago
    Correct - see http://www.crosspixel.net http://www.crosspixel.net for example: "Cross Pixel's DMP is powered by our proprietary data relationships with more than 5,500 web sites and mobile apps where we identify and harvest the shopping and researching behaviors on over 650 million unique browsers. Our data partners are leading e-Commerce sites, search directories, comparison shopping engines, coupon sites and toolbars across North America and Latin America." In general, the 'marketplace' is usually the DMP (Data Management Platform) where two parties can meet and share segments without data leakage (for example - Krux is a DMP used by a lot of Fortune 500 companies). However the lines between DMP and Data Provider are blurring in recent years...
    - AndrewKemendo 10y ago
      Great answer thanks! I hadn't heard the term DMP
      - x0x0 10y ago
        BlueKai is one of the biggest; it's a data marketplace for cookie-tagged data. They were bought by Oracle a few years ago.
        GFischer 10y ago
VT_Drew 10y ago
> Right, but where do they get their data? You give it to them when you sign up for that stupid rewards card.

e15ctr0n 10y ago

New York Times reporter Natasha Singer has extensively covered the data broker industry for the past several years. Here are some of the key articles but you can find more at https://www.nytimes.com/by/natasha-singer https://www.nytimes.com/by/natasha-singer Jun 16, 2012 | Acxiom, the Quiet Giant of Consumer Database Marketing http://www.nytimes.com/2012/06/17/technology/acxiom-the-quiet-giant-of-consumer-database-marketing.html http://www.nytimes.com/2012/06/17/technology/acxiom-the-quie... Jul 21, 2012 | Consumer Data, but Not for Consumers http://www.nytimes.com/2012/07/22/business/acxiom-consumer-data-often-unavailable-to-consumers.html http://www.nytimes.com/2012/07/22/business/acxiom-consumer-d... Jul 24, 2012 | Congress Opens Inquiry Into Data Brokers http://www.nytimes.com/2012/07/25/technology/congress-opens-inquiry-into-data-brokers.html http://www.nytimes.com/2012/07/25/technology/congress-opens-... Dec 08, 2012 | Company Envisions 'Vaults' for Personal Data http://www.nytimes.com/2012/12/09/business/company-envisions-vaults-for-personal-data.html http://www.nytimes.com/2012/12/09/business/company-envisions... Aug 31, 2013 | A Data Broker Offers a Peek Behind the Curtain http://www.nytimes.com/2013/09/01/business/a-data-broker-offers-a-peek-behind-the-curtain.html http://www.nytimes.com/2013/09/01/business/a-data-broker-off... Sep 04, 2013 | Getting a Glimpse of Your Own Marketing Data Online http://bits.blogs.nytimes.com/2013/09/04/getting-a-glimpse-of-your-own-marketing-data/ http://bits.blogs.nytimes.com/2013/09/04/getting-a-glimpse-o... Sep 04, 2013 | Acxiom Lets Consumers See Data It Collects http://www.nytimes.com/2013/09/05/technology/acxiom-lets-consumers-see-data-it-collects.html http://www.nytimes.com/2013/09/05/technology/acxiom-lets-con... Dec 23, 2014 | Data Broker Is Charged With Selling Consumers' Financial Details to Fraudsters https://bits.blogs.nytimes.com/2014/12/23/data-broker-is-charged-with-selling-consumers-financial-details-to-fraudsters/ https://bits.blogs.nytimes.com/2014/12/23/data-broker-is-cha... Jun 28, 2015 | When a Company Is Put Up for Sale, in Many Cases, Your Personal Data Is, Too http://www.nytimes.com/2015/06/29/technology/when-a-company-goes-up-for-sale-in-many-cases-so-does-your-personal-data.html http://www.nytimes.com/2015/06/29/technology/when-a-company-... Pro tip: If you want to avoid giving out your purchase data, pay cash wherever possible.

mehrdadn 10y ago

+1 Thanks for actually posting a list!

bks 10y ago

Opt out links I found - Acxiom - https://isapps.acxiom.com/optout/optout.aspx https://isapps.acxiom.com/optout/optout.aspx Experian - http://www.experian.com/blogs/ask-experian/credit-education/preapproved-credit-offers/opt-out/ http://www.experian.com/blogs/ask-experian/credit-education/... DataLogix Holdings, Inc. https://www.datalogix.com/privacy/#opt-out-landing https://www.datalogix.com/privacy/#opt-out-landing Epsilon Data Management, LLC http://www.epsilon.com/consumer-preference-center http://www.epsilon.com/consumer-preference-center Equifax, Inc - https://help.equifax.com/app/answers/detail/a_id/2/noIntercept/1/kw/prescreen https://help.equifax.com/app/answers/detail/a_id/2/noInterce... Fair Isaac Corporation http://www.myfico.com/policy/privacypolicy.aspx http://www.myfico.com/policy/privacypolicy.aspx Intelius, Inc. https://www.intelius.com/optout.php https://www.intelius.com/optout.php LexisNexis Group http://www.lexisnexis.com/privacy/for-consumers/opt-out-of- http://www.lexisnexis.com/privacy/for-consumers/opt-out-of- lexisnexis.aspx TransUnion Corp. http://www.transunion.com/corporate/business/datareporting/support/opt-out.page http://www.transunion.com/corporate/business/datareporting/s...

blacksmith_tb 10y ago
The Epsilon link 404s, but I think this page is where it should have gone: https://www.epsilon.com/en_US/consumer-information/consumer-preference-center.html https://www.epsilon.com/en_US/consumer-information/consumer-...
jibberia 10y ago
Thanks, this is very useful. The paranoid voice in my head is wondering if these forms don't actually opt me out of anything, and instead just confirm to these companies that the information they have on me is correct.
mehrdadn 10y ago
+1 Thanks for sharing! If anyone's actually found these to work please share so we can get more confidence in them :)
_archon_ 10y ago
The LexisNexis link 404s (added a space), I believe this is correct: https://www.lexisnexis.com/privacy/for-consumers/opt-out-of-lexisnexis.aspx https://www.lexisnexis.com/privacy/for-consumers/opt-out-of-... Also, the following can't hurt: https://www.lexisnexis.com/privacy/directmarketingopt-out.aspx https://www.lexisnexis.com/privacy/directmarketingopt-out.as...

clubm8 10y ago

When I signed up for a major grocery store rewards card, I was able to put a bogus name on the form. How can they correlate my purchases with me specifically? Can they correlate the charges to my credit card with the times the rewards card was used? (This grocery store did not have a pharmancy)

dredmorbius 10y ago
Credit card or check payments will link records. Cellphone or MAC tracking. In the near future if not already, facial recognition.