Method and system for offering financial products based on a customer's determined life status
First Claim
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1. A method for providing a financial product to a customer, said method comprising:
- receiving customer information describing a life status for said customer;
determining a revised life status for said customer based on the received customer information; and
selecting, from a set of financial products, the financial product for the customer based on said life status.
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Abstract
A system and method to provide financial products throughout the life of a customer. The present invention determines the life status of a customer. The life status is determined by analyzing the customer information from a variety of sources. This information is filtered or inputted into an algorithmic model to identify appropriate financial products to offer to the customer. In addition, the customer'"'"'s creditworthiness is used to determine or optimize the financial product offered to the customer.
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Citations
30 Claims
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1. A method for providing a financial product to a customer, said method comprising:
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receiving customer information describing a life status for said customer;
determining a revised life status for said customer based on the received customer information; and
selecting, from a set of financial products, the financial product for the customer based on said life status. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A system for providing a financial product to a customer, said method comprising:
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means for receiving customer information describing a life status for said customer;
means for determining a revised life status for said customer based on the received customer information; and
means for selecting, from a set of financial products, the financial product for the customer based on said life status. - View Dependent Claims (18, 19, 20, 21, 22, 23)
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24. A computer for providing a financial product to a customer, said computer comprising:
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a memory having program instructions; and
a processor, responsive to the programming instructions, configured to;
receiving customer information describing a life status for said customer;
determining a revised life status for said customer based on the received customer information; and
selecting, from a set of financial products, the financial product for the customer based on said life status. - View Dependent Claims (25, 26, 27, 28, 29, 30)
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Specification