US 11,887,185 B2
Systems and methods for identifying and capturing potential bankcard spending
Christopher R. Conrad, Philadelphia, PA (US); Chris Hurlebaus, Chadds Ford, PA (US); Guoxing Sha, Wilmington, DE (US); and Pavel Nedanov, Newark, DE (US)
Assigned to JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed by JPMorgan Chase Bank, N.A., New York, NY (US)
Filed on Jul. 25, 2019, as Appl. No. 16/522,205.
Application 16/522,205 is a continuation of application No. 12/174,154, filed on Jul. 16, 2008, granted, now 10,410,281.
Prior Publication US 2019/0347716 A1, Nov. 14, 2019
Int. Cl. G06Q 40/02 (2023.01); G06Q 40/04 (2012.01); G06Q 30/0207 (2023.01)
CPC G06Q 40/02 (2013.01) [G06Q 30/0219 (2013.01); G06Q 40/04 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for products that are designed to adjust intelligently to evolving behaviors of a customer, the system comprising:
a data access system for obtaining and storing data;
an analysis system for processing the data, wherein the analysis system:
produces a profile of the customer's financial information, the profile including an itemization of the customer's monetary inflow and outflow;
inputs income data and budgetary items data of the customer, such data included in the customer profile data;
determines a differential between the income data and the budgetary items data;
identifies a portion of the customer's monetary flow eligible to be conducted through a financial institution, the identification based at least in part on the differential between the income data and the budgetary items data; and
does not require direct input from the customer;
a marketing system for producing, outputting and implementing a marketing strategy, the marketing system comprises a multichannel optimization platform (MCO) that optimizes the marketing strategy, wherein the marketing strategy includes identifying a particular activity for which a monetary flow is not being captured and generating marketing on point to the particular activity;
a first storage system for storing inputs to and outputs from the analysis system;
a second storage system for storing inputs to and outputs from the marketing system; and
the products, which are marketed to the customer according to the marketing strategy and which are designed to adjust intelligently to the evolving behaviors of the customer.