Patent ID: 8533031

Claim:
A computer implemented method for providing one or more tailored incentives to a customer, the computer implemented method comprising: retrieving, by at least one processor, account data associated with the customer in response to a request from the customer; identifying, by the at least one processor, from the request a request type from a list of predetermined request types wherein the request type identifies the customer's current situation; identifying, by the at least one processor, the customer as a customer segment wherein the customer segment identifies the customer's past behavior; identifying, by the at least one processor, one or more incentives for the customer based on the request type, the customer segment and one or more profitability factors associated with a financial institution providing the one or more incentives; and offering, by the at least one processor, the customer at least one of the identified one or more incentives, wherein the one or more incentives comprises at least one product or service offered by the financial institution, for retaining the customer in response to the request.