US5712987A — Interface and associated bank customer database

Claim 1

Independent Claim 67 words

In a bank's relational customer database, containing records of customers, the improvement comprising the following steps: a) maintaining historical records of customer transactions, including identities of products purchased; b) providing a graphical interface which allows a user to i) select a subset of the database, ii) select a type of historical data contained in the subset, and iii) view a graphical plot of the selected historical data.

Claim 2

Dependent Claim 67 words

In a bank's relational customer database, containing records of customers, the improvement comprising the following steps: a) maintaining historical records of customer transactions, including identities of products purchased; b) providing a graphical interface which allows a user to i) select a subset of the database, ii) select a type of historical data contained in the subset, and iii) view a graphical plot of the selected historical data.

Claim 3

Independent Claim 86 words

A method of performing market analysis of a bank's customer database, comprising the following steps: a) maintaining customer data in a computer database; b) allowing an analyst to perform the following under software control: i) select a subset of customers from the database; ii) generate a list of electronic mail addresses for the subset; and iii) send electronic mailings to the addresses; c) causing an investigator to i) gather information about customer response to the mailings and ii) modify the database, based on the information gathered.

Claim 4

Independent Claim 86 words

A method of performing market analysis of a bank's customer database, comprising the following steps: a) maintaining customer data in a computer database; b) allowing an analyst to perform the following under software control: i) select a subset of customers from the database; ii) generate a list of electronic mail addresses for the subset; and iii) send electronic mailings to the addresses; c) causing an investigator to i) gather information about customer response to the mailings and ii) modify the database, based on the information gathered.

Claim 5

Independent Claim 135 words

A method of investigating relationships of customers with a bank, comprising: a) storing, in a computer database, records of the relationships, which records indicate, for selected customers, one or more of the following: i) professional status of customer, ii) profitability of customer to bank, iv) family size of customer, and iv) geographic location of customer; b) performing a marketing CAMPAIGN, which influences the relationships; c) adding information to the database which identifies relationships which change after a CAMPAIGN; d) using a computer program, which accepts commands via a graphical user interface, performing one or more of the following operations upon the database: i) producing user-defined SEGMENTs which comprise arbitrary subsets of said customers; ii) analyzing data contained in SEGMENTS, and displaying it in graphical format; and iii) re-defining some SEGMENTs in response to user input.

Claim 6

Independent Claim 135 words

A method of investigating relationships of customers with a bank, comprising: a) storing, in a computer database, records of the relationships, which records indicate, for selected customers, one or more of the following: i) professional status of customer, ii) profitability of customer to bank, iv) family size of customer, and iv) geographic location of customer; b) performing a marketing CAMPAIGN, which influences the relationships; c) adding information to the database which identifies relationships which change after a CAMPAIGN; d) using a computer program, which accepts commands via a graphical user interface, performing one or more of the following operations upon the database: i) producing user-defined SEGMENTs which comprise arbitrary subsets of said customers; ii) analyzing data contained in SEGMENTS, and displaying it in graphical format; and iii) re-defining some SEGMENTs in response to user input.

Claim 7

Dependent Claim 24 words

A method according to claim 3, and further comprising the steps of associating comments with SEGMENTs, and displaying said comments at a later time.

Claim 8

Independent Claim 81 words

A system which allows an analyst to define a SEGMENT of bank customers, comprising a subset of said customers, and to measure changes which occur over time in said SEGMENT, comprising: a) storage means for storing information about said SEGMENT; b) means for allowing said analyst to i) display data obtained from the storage means; ii) re-define a SEGMENT after display of said data; iii) associate comments with said re-defined SEGMENT; and iv) view previous comments associated with the original SEGMENT.

Claim 9

Independent Claim 81 words

A system which allows an analyst to define a SEGMENT of bank customers, comprising a subset of said customers, and to measure changes which occur over time in said SEGMENT, comprising: a) storage means for storing information about said SEGMENT; b) means for allowing said analyst to i) display data obtained from the storage means; ii) re-define a SEGMENT after display of said data; iii) associate comments with said re-defined SEGMENT; and iv) view previous comments associated with the original SEGMENT.

Claim 10

Dependent Claim 84 words

A computerized CAMPAIGN-management system for a bank, comprising: a) means for recording results of campaigns, for future use; b) means for maintaining a list of customers, and for generating a mailing list of a selected SEGMENT of customers; c) means for defining a control group, from within said SEGMENT; d) means for allowing updating of the customer list, with information regarding customer response to marketing activity; e) means for allowing an analyst to view customer-response data of selected SEGMENTs, and of the control group.

Claim 11

Dependent Claim 84 words

A computerized CAMPAIGN-management system for a bank, comprising: a) means for recording results of campaigns, for future use; b) means for maintaining a list of customers, and for generating a mailing list of a selected SEGMENT of customers; c) means for defining a control group, from within said SEGMENT; d) means for allowing updating of the customer list, with information regarding customer response to marketing activity; e) means for allowing an analyst to view customer-response data of selected SEGMENTs, and of the control group.

Annuity Stage	Window Opens	Payment Deadline	Surcharge Period Until	Estimated Fee	Status
3.5 Years (Year 4)	2001-01-26	2001-07-28	2002-01-27	$2000.00	Window Closed / Lapsed
7.5 Years (Year 8)	2005-01-26	2005-07-28	2006-01-27	$3760.00	Window Closed / Lapsed
11.5 Years (Year 12)	2009-01-26	2009-07-28	2010-01-27	$7700.00	Window Closed / Lapsed

Interface and associated bank customer database

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