Patent ID: 8548854

Claim:
An apparatus comprising: at least one processor; and at least one memory having stored therein computer executable instructions, that when executed by the at least one processor, cause the apparatus to perform a method of: receiving a first user input, the first user input indicating a first access of a first account of a user at a first account accessing device, the first account associated with a financial entity; determining a type of channel between the user and the first account accessing device; determining at least one temporal parameter associated with the first access of the first account of the user at the first account accessing device; determining user used financial entity services associated with at least one account of the user; determining current allowable actions on the first account by the user; receiving a second user input, the second user input indicating a first action, of the current allowable actions, of the user at the first account accessing device; identifying at least one behavioral characteristic of the user based upon the determined type of channel, the determined at least one temporal parameter, the determined user used financial entity services, the determined current allowable actions, and the received second user input; determining a content for output to the user upon another occurrence of the user accessing the first account accessing device, the determining the content being based upon the at least one behavioral characteristic of the user, the content being at least one offer for at least one user unused financial entity service; receiving a third user input, the third user input indicating a use of the first account accessing device by the user; and transmitting the content to the first account accessing device in response to receiving the third user input.