Systems and methods for identifying and capturing potential bankcard spending

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United States of America Patent

PATENT NO 10410281
SERIAL NO

12174154

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Abstract

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The invention provides a method and system for a financial institution for capturing the business of a financial services customer. The system may include a data access system for obtaining and storing data; and an analysis system for processing the data. The analysis system (1) selects a study group of customers from the data; (2) observes the study group so as to produce a profile of each study group customer's financial information; (3) produces a mathematical representation of an interrelationship between study group customers' profiles and the data; (4) applies the mathematical representation to customers not within the study group in order to estimate those customers' profiles; (5) identifies a portion of the customer's monetary flow eligible to be conducted through the financial institution, the identification based in part on the customer's profile; and (6) does not require direct input from the customer. The system may further include a marketing system for producing, outputting and implementing a marketing strategy; and storage systems. In addition, the analysis system may utilize processing including producing a profile of the customer's financial information, the profile including an itemization of the customer's monetary inflow and outflow; and identifying a portion of the customer's monetary flow eligible to be conducted through the financial institution, the identification based in part on the customer's profile.

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Patent Owner(s)

Patent OwnerAddress
JPMORGAN CHASE BANK N A383 MADISON AVENUE NEW YORK NY 10179

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Conrad, Christopher R Philadelphia, US 5 56
Hurlebaus, Chris Chadds Ford, US 2 1
Nedanov, Pavel Newark, US 2 1
Sha, Guoxing Wilmington, US 2 1

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