US6029153A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Method and system for analyzing and handling the customer files of a financial institution
Assignee: Citibank NA
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Filing: 1997-09-11
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Granted: 2000-02-22
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Expires: 2017-09-11
Abstract
Abstract A system and method for identifying and communicating the availability of additional products to at least one customer of a financial institution is disclosed. A processor analyses data about the customer and identifies characteristics indicative of financial products compatible with the customer's financial needs. The customer's files are appropriately electronically tagged and representatives of the financial institution are alerted of the marketing opportunity and, in turn, communicate the availability of the product to said customer. The representative may be a teller, branch manager, telemarketer or direct mail supervisor. Reporting of tagging is also provided.
Inventors
- 👤 Renee Bauchner
- 👤 Henry Weinberger
- 👤 Wilbur E. Wright
- 👤 Al Newman
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-29 20:14
CPC Classifications
G; G06; G06Q; G06Q30/00; G06Q30/02; G06Q20/00; G06Q20/08; G06Q20/10; G06Q20/108; G06Q20/1085
Claims Analysis
Total Claims: 24
Claim 1
Independent Claim
105 words
A method for strategically identifying and communicating the availability of additional products to at least one customer of a financial institution comprising the steps of: analyzing information about said customer from a database of a financial institution to identify at least one characteristic of said customer indicative of at least one financial product compatible with the financial needs of said customer; marking a file in said electronic database associated with said customer with a mark identifying said at least one product; accessing said file by a representative of said financial institution; and communicating the availability of said at least one financial product to said customer.
Claim 2
Independent Claim
105 words
A method for strategically identifying and communicating the availability of additional products to at least one customer of a financial institution comprising the steps of: analyzing information about said customer from a database of a financial institution to identify at least one characteristic of said customer indicative of at least one financial product compatible with the financial needs of said customer; marking a file in said electronic database associated with said customer with a mark identifying said at least one product; accessing said file by a representative of said financial institution; and communicating the availability of said at least one financial product to said customer.
Claim 3
Independent Claim
108 words
A system for strategically identifying and communicating the availability of additional products to at least one customer of a financial institution comprising: a processor for analyzing information about said customer from a database of a financial institution to identify at least one characteristic of said customer indicative of at least one financial product compatible with the financial needs of said customer; said processor marking a file in said electronic database associated with said customer with a mark identifying said at least one characteristic; a representative of said financial representative accessing said file; and said representative communicating the availability of said at least one financial product to said customer.
Claim 4
Independent Claim
108 words
A system for strategically identifying and communicating the availability of additional products to at least one customer of a financial institution comprising: a processor for analyzing information about said customer from a database of a financial institution to identify at least one characteristic of said customer indicative of at least one financial product compatible with the financial needs of said customer; said processor marking a file in said electronic database associated with said customer with a mark identifying said at least one characteristic; a representative of said financial representative accessing said file; and said representative communicating the availability of said at least one financial product to said customer.
Claim 5
Dependent Claim
65 words
The method of claim 1 wherein said financial products is selected from of the group consisting of: financial services, investment services, brokerage services, stock purchases, financial instrument purchases, mortgages, purchases of certificates of deposit (CD's), safety deposit box rentals, electronic home banking, loans, credit cards, premium credit cards, traveller checks, banking by personal computer, banking by telephone, banking by screen phone, and a second mortgage.
Claim 6
Dependent Claim
29 words
The method of claim 1 wherein said marking step further includes the step of marking said file with a plurality of marks each corresponding to a different financial product.
Claim 7
Dependent Claim
31 words
The method of claim 1 wherein said analyzing step further includes the step of reviewing past information about said customer and comparing said past information to current information about said customer.
Claim 8
Dependent Claim
12 words
The method of claim 1 wherein said representative is a bank teller.
Claim 9
Dependent Claim
12 words
The method of claim 1 wherein said representative is a telemartketing representative.
Claim 10
Dependent Claim
118 words
The method of claim 1 wherein said characteristic is selected from at least one of the group consisting of: foreign purchases with a credit card, change in address, change in name, change in preferred branch of said financial institution, relatively high liability plus credit levels, teller activity levels, check writing activity levels, existence of a jumbo mortgage, credit limits on a credit card, purchases of computer-related goods, imminent loan maturity, imminent certificate of deposit maturity, savings trend, relatively high money market levels, credit card activity, purchases involving goods for the home of the customer, negative balance flux, use of checks from a different financial institution, the non-resident alien status of said customer and said customer having recently moved.
Claim 11
Dependent Claim
17 words
The method of claim 1 further comprising the step of generating periodic reports regarding the marking activity.
Claim 12
Dependent Claim
12 words
The system of claim 2 wherein said financial institution is a bank.
Claim 13
Dependent Claim
65 words
The system of claim 2 wherein said financial products is selected from of the group consisting of: financial services, investment services, brokerage services, stock purchases, financial instrument purchases, mortgages, purchases of certificates of deposit (CD's), safety deposit box rentals, electronic home banking, loans, credit cards, premium credit cards, traveller checks, banking by personal computer, banking by telephone, banking by screen phone, and a second mortgage.
Claim 14
Dependent Claim
22 words
The system of claim 2 wherein said processor marks said file with a plurality of marks each corresponding to a different characteristic.
Claim 15
Dependent Claim
33 words
The system of claim 2 wherein said processor analyzes analyses past information about said customer and compares said past information to current information about said customer to determine said at least one characteristic.
Claim 16
Dependent Claim
15 words
The system of claim 2 wherein said representative accesses said file in an on-line environment.
Claim 17
Dependent Claim
12 words
The system of claim 2 wherein said representative is a bank teller.
Claim 18
Dependent Claim
12 words
The system of claim 2 wherein said representative is a telemarketing representative.
Claim 19
Dependent Claim
21 words
The system of claim 2 wherein said accessing is done in response to an interaction between said customer and said representative.
Claim 20
Dependent Claim
118 words
The system of claim 2 wherein said characteristic is selected from at least one of the group consisting of: foreign purchases with a credit card, change in address, change in name, change in preferred branch of said financial institution, relatively high liability plus credit levels, teller activity levels, check writing activity levels, existence of a jumbo mortgage, credit limits on a credit card, purchases of computer-related goods, imminent loan maturity, imminent certificate of deposit maturity, savings trend, relatively high money market levels, credit card activity, purchases involving goods for the home of the customer, negative balance flux, use of checks from a different financial institution, the non-resident alien status of said customer and said customer having recently moved.
Claim 21
Dependent Claim
15 words
The system of claim 2 further comprising reporting means for periodically reporting on marking activity.
Claim 22
Dependent Claim
35 words
The method of claim 1, wherein said step of displaying comprises providing a screen display of each said tag entry in response to on-line customer account access by an authorized representative of the financial institution.
Claim 23
Dependent Claim
12 words
The method of claim 1 wherein said financial institution is a bank.
Claim 24
Dependent Claim
13 words
The method of claim 1 wherein said representative also performs said communicating step.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2003-02-21 | 2003-08-23 | 2004-02-22 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2007-02-21 | 2007-08-23 | 2008-02-22 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2011-02-21 | 2011-08-23 | 2012-02-22 | $7700.00 | Window Closed / Lapsed |