Patent ID: 8326717

Claim:
A system, comprising: at least one processor coupled to a memory, the processor executing: a data analytics component that determines at least one of a customer score, or a set of branch data, wherein the data analytics component automatically updates at least one of the customer score or branch data based at least in part on an occurrence of an event, wherein the customer score is a single factor assigned to the customer based at least in part on the customer's relationship with a financial institution, wherein the branch data is based at least in part on market data relevant to a particular branch of the financial institution, and wherein the event comprises a modification to a set of tracking data that tracks rate exception dispositions of prior rate exception offers that were one of denied or placed on hold by the customer; and a rate exception component that determines at least one proposed rate exception for at least one of a deposit account, an investment account, or a credit account based at least in part on at least one of the customer score or the branch data, wherein the proposed rate exception is a different rate than normally offered by the financial institution for the at least one of the deposit account, the investment account, or the credit account.