Patent ID: 11887185
Assignee: JPMORGAN CHASE BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 3:
4. 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:
selects a study group of customers from the data;
observes the study group so as to produce a profile of each study group customer's financial information;
produces a mathematical representation of an interrelationship between study group customers' profiles and the data;
applies the mathematical representation to customers not within the study group in order to estimate those customers' profiles;
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 comprising 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.