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

Claim 6:
7. A computer implemented method for producing products that are designed to adjust intelligently to evolving behaviors of a customer, the method comprising:
obtaining, by a data access module, financial data for the customer;
storing, via a storage module, inputs to and outputs from an analysis module;
processing the financial data, by the analysis module, wherein the processing comprises:
generating a financial information profile for the customer, the profile including an itemization of the customer's monetary inflow and outflow;
inputting income data and budgetary items data of the customer, such data included in the customer profile data;
determining a differential between the income data and the budgetary items data; and
identifying, without direct input from the customer, 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;

producing, via a marketing module, a marketing strategy;
optimizing, via a multichannel optimization platform (MCO), the marketing strategy, wherein the marketing strategy includes identifying a particular activity for which a monetary flow is not being captured and generating, via the MCO, marketing on point to the particular activity;
outputting, via the marketing module, the marketing strategy;
implementing via the marketing module, the marketing strategy;
storing, via the storage module, inputs to and outputs from the marketing module; and
producing, according to the marketing strategy, the products that are designed to adjust intelligently to the evolving behaviors of the customer.