Identifying Potential Customers using Payment Information

• US 20110166976A1
• Filed: 01/05/2010
• Published: 07/07/2011
• Est. Priority Date: 01/05/2010
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: SHAO, Yanghong, ALLISON, Thayer, GHOSH, Debashis, JOA, David, BANERJEE, Sudeshna, NEWMAN, Kurt, KREIN, Mark
• Application Number:
  US12/652,553
• Publication Number:
  US 20110166976A1
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0204 Market segmentation
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

Aspects of this disclosure relate to a potential-customer identifying computer which may include a processor and memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying potential customers for a first organization, by identifying financial accounts of the first organization wherein a customer associated with one of the respective financial accounts has made a payment on their respective financial account using a deposit account that the customer holds with a second organization. Further, the potential customer identifying computer may electronically retrieve, from a customer profile database, customer profile information for each of the financial accounts of the first organization and determine whether the customer profile information includes a bank routing number associated with the second organization. Further, the potential customer identifying computer may electronically retrieve, from the customer profile database, a customer name and customer contact information for each identified financial account and compile a list of the customers and their respective contact information based on each identified financial account.

Claims

1. A potential-customer identifying computer comprising:

a processor; and

memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying potential customers for a first organization, by;

identifying financial accounts of the first organization wherein a customer associated with one of the respective financial accounts has made a payment on their respective financial account using a deposit account that the customer holds with a second organization, by;

electronically retrieving, from a customer profile database, customer profile information for each of the financial accounts of the first organization, and

determining whether the customer profile information includes a bank routing number associated with the second organization;

electronically retrieving, from the customer profile database, a customer name and customer contact information for each identified financial account; and

compiling a list of the customers and their respective contact information based on each identified financial account.

2. The computer according to claim 1, wherein the method further comprises:

electronically retrieving, from the customer profile database, customer profile information including the type of the indentified financial account;

determining if the type of indentified financial account is a predetermined type of financial account; and

compiling a list of the customers associated with identified financial accounts that are the same type of financial account as the predetermined financial account, wherein the list includes the customers'"'"' respective contact information.

3. The computer according to claim 2, wherein the predetermined type of financial account is a mortgage account.

4. The computer according to claim 1, wherein the method for identifying potential customers further comprises:

electronically retrieving, from the customer profile database, customer profile information including an address for each customer associated with the identified financial accounts;

identifying a set of addresses of locations of the first organization;

comparing the addresses for the customers with the set of addresses of locations of the first organization;

determining whether the address associated with the customer is within a predetermined distance of at least one address of the set of addresses of the locations of the first organization; and

compiling a list of customers whose addresses are within the predetermined distance of at least one of the addresses of a location of the first organization, wherein the list includes the customers'"'"' respective contact information.

5. The computer according to claim 4, wherein the address associated with the customer is a home address for the customer.

6. The computer according to claim 5, wherein the address associated with the customer is an address of the place of employment of the customer.

7. The computer according to claim 1, wherein the method further comprises:

electronically retrieving, from the customer profile database, customer profile information regarding an income level of the customer associated with the financial account identified as having been paid using the deposit account of the second organization;

determining if the income level is above or below a predetermined amount;

compiling a list of the customers who income level is above the predetermined amount, wherein the list includes the customer'"'"'s respective contact information.

8. The computer according to claim 1, wherein the method for identifying potential customers further comprises:

determining if the bank routing number associated with the second organization is a predetermined bank routing number associated with a particular bank; and

compiling a list of the customers associated with identified financial accounts that have a bank routing number that is the same bank routing number as the predetermined bank routing number, wherein the list includes the customers'"'"' respective contact information.

9. The computer according to claim 8, wherein the method further comprises:

electronically retrieving, from the customer profile database, customer profile information including the type of the indentified financial account;

determining if the type of the indentified financial account is a predetermined type of financial account; and

compiling a list of the customers associated with identified financial accounts that are the same type of financial account as the predetermined financial account, wherein the list includes the customers'"'"' respective contact information.

10. The computer according to claim 9 wherein the predetermined type of financial account is a mortgage account.

11. The computer according to claim 8, wherein the method for identifying potential customers further comprises:

electronically retrieving, from the customer profile database, customer profile information including an address for each customer associated with the identified financial accounts;

identifying a set of addresses of locations of the first organization;

comparing the addresses for the customers with the set of addresses of locations of the first organization;

determining whether the address associated with the customer is within a predetermined distance of at least one address of the set of addresses of the locations of the first organization; and

compiling a list of customers whose addresses are within the predetermined distance of at least one of the addresses of a location of the first organization, wherein the list includes the customers'"'"' respective contact information.

12. The computer according to claim 11, wherein the address associated with the customer is a home address for the customer.

13. The computer according to claim 12, wherein the address associated with the customer is an address of the place of employment of the customer.

14. The computer according to claim 11, wherein the method further comprises:

electronically retrieving, from the customer profile database, customer profile information including the type of the indentified financial account;

determining if the type of the indentified financial account is a predetermined type of financial account; and

compiling a list of the customers associated with identified financial accounts that are the same type of financial account as the predetermined financial account, wherein the list includes the customers'"'"' respective contact information.

15. The computer according to claim 14 wherein the predetermined type of financial account is a mortgage account.

16. The computer according to claim 8, wherein the method for identifying potential customers further comprises:

electronically retrieving, from the customer profile database, customer profile information including an address for each of the customers associated with the identified financial accounts;

identifying a set of addresses of locations of the first organization;

identifying a set of addresses of locations of the second organization;

comparing the set of addresses of the locations of the first organization with the set of addresses of the locations of the second organization; and

determining whether an address of the set of locations of the first organization is within a predetermined distance of an address of the set of locations of the second organization;

defining overlapping zones wherein an address of a location of the first organization is within a predetermined distance of at least one address of the set of locations of the second organization;

comparing the address associated with the customer with the overlapping zones;

determining if the address associated with the customer is within a predetermined distance of the overlapping zones

compiling a list of customers whose addresses are within the overlapping zones, wherein the list includes the customers'"'"' respective contact information.

17. The computer according to claim 16, wherein the address associated with the customer is a home address for the customer.

18. The computer according to claim 17, wherein the address associated with the customer is an address of the place of employment of the customer.

19. A potential bank customer identifying computer comprising:

a processor; and

memory storing computer executable instructions that, when executed, cause the potential bank customer identifying computer to perform a method for identifying potential customers for a first bank, by;

identifying loan accounts of the first bank that have been paid using a deposit account of a second bank;

determining a bank routing number for each of the payments with which the loan accounts were paid;

determining if the bank routing number of the payments is a predetermined bank routing number associated with a specific second bank;

identifying addresses of locations of the first bank;

identifying addresses of locations of the second bank;

comparing the addresses of the first bank with the address of the second bank;

determining if an address of first bank is within a predetermined distance of an address of the second bank; and

electronically retrieving, from the customer profile database, customer profile information including an address for each of the customers associated with the identified loan accounts; and

compiling a list of customers associated with the identified financial account when;

the bank routing number of the payment is a predetermined bank routing number associated with a specific second bank;

an address of first bank is within a predetermined distance of an address of the second bank; and

an address of the customer associated with the identified loan accounts is within a second predetermined distance of either the first bank or second bank.

20. A computer assisted method for identifying potential customers for a first organization comprising:

identifying financial accounts of the first organization wherein a customer associated with one of the respective financial accounts has made a payment on their respective financial account using a deposit account that the customer holds with a second organization, by;

using a potential customer identifying computer to electronically retrieve, from a customer profile database, customer profile information for each of the financial accounts of the first organization and determine whether the customer profile information includes a bank routing number associated with the second organization,

using the potential customer identifying computer to electronically retrieve, from the customer profile database, a customer name and customer contact information for each identified financial account; and

compiling a list of the customers and their respective contact information for each identified financial account.