Patent ID: 8751342

Claim:
A computer assisted method for identifying potential customers for a first bank comprising: electronically receiving data relating to addresses of branches of the first bank; electronically receiving data relating to a second bank, including an address of each branch of the second bank and an amount of funds in deposit accounts in each branch of the second bank; electronically receiving data relating to customers of the first bank, including, whether a customer has paid a financial account that the customer has with the first bank by using funds from an account associated with a routing number from the second bank; electronically receiving data relating to customers of the first bank, including the routing number of the second bank the customer used to pay the financial account the customer has with the first bank; compiling, by a computing device, a list of potential customers to which to market goods and services by making a series of determinations about the electronically received data, wherein the determinations include: determining if a branch of the second bank has an address within a predetermined distance of an address of a branch of the first bank; determining if an amount of funds of the deposit accounts in the branch of the second bank are more than a predetermined amount; determining a bank routing number for the branch of the second bank when the address of the branch of second bank is within the predetermined distance of the address of the branch of the first bank and the amount of funds of the deposit accounts in the branch of the second bank is more than the predetermined amount; identifying customers who have made a payment to a financial account with the first bank, using funds from an account associated with the bank routing number associated with the branch of the second bank, when: the address of the branch of the second bank is within the predetermined distance of the address of the branch of the first bank, and of the amount of the deposit accounts in the branch of the second bank is more than the predetermined amount, wherein the determinations are stored in the computer.