Patent ID: 8108275

Claim:
A method for providing a financial product to a customer, said method comprising: receiving customer information from at least one source chosen from a purchase database, an application database, a call center database, an Internet database, and a public records database; analyzing the received customer information using a filter that categorizes a customer into a life status, wherein the life status corresponds to the customer's demographic classification; selecting, from a set of financial products, a first financial product for the customer based on said life status using a data structure that relates each life status type to a particular financial product; monitoring, periodically, the customer information for changes; automatically revising, based on a change to the customer information, the customer's life status; selecting, from the set of financial products, a second financial product for the customer based on said revised life status using the data structure that relates each life status type to a particular financial product; determining the creditworthiness of the customer; and optimizing said first and second financial products based on said creditworthiness.