Student prospects assessment system

• US 8,386,319 B1
• Filed: 12/19/2008
• Issued: 02/26/2013
• Est. Priority Date: 12/19/2008
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Banerjee, Sudeshna, Ghosh, Debashis, Halpern, Nicholas, Gummuluri, Sreedevi, Joa, David, Allison, Thayer, Newman, Kurt D., Jones, Sean Michael
• Primary Examiner(s): ALMATRAHI, FARIS S
• Application Number:
  US12/339,248
• Time in Patent Office: 1,530 Days
• Field of Search: None
• US Class Current: 705/14.66
• CPC Class Codes: G06Q 30/00 Commerce

Abstract

Embodiments of the present invention relate to systems, methods, and computer program products for assessing student prospects. More specifically, embodiments of the present invention are directed to receiving transaction data from a transaction involving a consumer, comparing the transaction data to an education position rule, and determining an education position based at least partially on a comparison of the transaction data to an education position rule.

Claims

1. A system comprising:

a communication interface configured to receive transaction data from a transaction involving a consumer and a business merchant; and

a non-transitory computer-readable medium comprising computer program code stored thereon, wherein said computer program code is specifically configured to cause one or more computer processing devices to perform the following operations when performing the computer program code;

determine an education position based at least partially on a comparison of the transaction data to an education position rule, wherein the education position comprises one or more education position identifiers configured to be appended to the transaction data involving the consumer and business merchant, and wherein the education position rule relates at least partially to information associated with two or more education levels for transaction data;

append, at least, one of the one or more education position identifiers to the transaction data involving the consumer and the business merchant.

2. The system of claim 1, wherein the computer program code is specifically configured to cause one or more computer processing devices to determine a product offer for the consumer based at least partially on the education position.

3. The system of claim 2, wherein the computer program code is specifically configured to cause one or more computer processing devices to offer the product offer to the consumer.

4. The system of claim 1, wherein the education position is at least partially related to an education level.

5. The system of claim 1, wherein the computer program code is specifically configured to cause one or more computer processing devices to determine a geographic location position based at least partially on a comparison of the transaction data to a geographic location position rule, and wherein the processor is further configured to determine a product offer for the consumer based at least partially on the geographic location position and the education position.

6. The system of claim 1, wherein the education position is directed to a member of the consumer'"'"'s household.

7. The system of claim 1, wherein the education position rule relates at least partially to the business-merchant.

8. The system of claim 1, wherein the transaction further involves a product, and wherein the education position rule relates at least partially to the product.

9. The system of claim 1, wherein the transaction further involves a time, and wherein the education position rule relates at least partially to the time.

10. The system of claim 1, wherein the computer program code is specifically configured to cause one or more computer processing devices to assign the education position to the consumer.

11. The system of claim 1, wherein the transaction involves a business-merchant, and wherein the computer program code is specifically configured to cause one or more computer processing devices to assign the education position to the business-merchant.

12. The system of claim 1, wherein the processor is further configured to assign the education position to the transaction data.

13. The system of claim 1, wherein the communication interface is further configured to communicate the education position to the consumer for verification.

14. The system of claim 1, wherein the communication interface is further configured to receive information about the consumer from the consumer, wherein the processor is further configured to determine an education position based at least partially on a comparison of the information to an education position rule, and wherein the processor is further configured to determine a product offer for the consumer based at least partially on the education position.

54. The system according to claim 1, wherein the transaction data involving a consumer and business merchant is received from a bank, wherein the consumer is a customer of the bank.

15. A computer-implemented method comprising:

providing a non-transitory computer-readable medium comprising computer program code stored thereon, wherein said computer program code is specifically configured to cause one or more computer processing devices to perform the following operations when performing the computer program code;

receiving transaction data from a transaction involving a consumer and one or more other parties;

comparing the transaction data to an education position rule, wherein the education position rule relates at least partially to information associated with two or more education levels for transaction data; and

determining an education position based at least partially on a comparison of the transaction data to an education position rule, wherein the education position comprises one or more education position identifiers configured to be appended to the transaction data involving the consumer and business merchant;

appending, at least, one of the one or more education position identifiers to the transaction data involving the consumer and the business merchant.

16. The computer-implemented method of claim 15, further comprising computer program code is specifically configured to cause one or more computer processing devices to perform the following operations when performing the computer program code:

determining a product offer for the consumer based at least partially on the education position.

17. The computer-implemented method of claim 16, further comprising computer program code is specifically configured to cause one or more computer processing devices to perform the following operations when performing the computer program code:

offering the product offer to the consumer.

18. The computer-implemented method of claim 15, further comprising computer program code is specifically configured to cause one or more computer processing devices to perform the following operations when performing the computer program code:

comparing the transaction data to a geographic location position rule, determining a geographic location position based at least partially on a comparison of the transaction data to a geographic location position rule, and

determining a product offer for the consumer based at least partially on the geographic location position and the education position.

19. The computer-implemented method of claim 15, wherein the transaction further involves a business-merchant, and wherein the education position rule relates at least partially to the business-merchant.

20. The computer-implemented method of claim 15, wherein the transaction further involves a product, and wherein the education position rule relates at least partially to the product.

21. The computer-implemented method of claim 15, wherein the transaction further involves a time, and wherein the education position rule relates at least partially to the time.

22. The computer-implemented method of claim 15, further comprising computer program code is specifically configured to cause one or more computer processing devices to perform the following operations when performing the computer program code:

assigning the education position to the consumer.

23. The computer-implemented method of claim 15, wherein the transaction involves a business-merchant, and further comprising assigning the education position to the business-merchant.

24. The computer-implemented method of claim 15, further comprising computer program code is specifically configured to cause one or more computer processing devices to perform the following operations when performing the computer program code:

assigning the education position to the transaction data.

25. The computer-implemented method of claim 15, further comprising computer program code is specifically configured to cause one or more computer processing devices to perform the following operations when performing the computer program code:

communicating the education position to the consumer for verification.

26. The computer-implemented method of claim 15, further comprising computer program code is specifically configured to cause one or more computer processing devices to perform the following operations when performing the computer program code:

receiving information about the consumer from the consumer, comparing the information to an education position rule, determining an education position based at least partially on a comparison of the information to an education position rule, and

determining a product offer for the consumer based at least partially on the education position.

27. A computer program product comprising a non-transitory computer-readable medium having computer-readable program instructions stored therein, wherein said computer-readable program instructions comprise:

instructions configured to receive transaction data from a transaction involving a consumer and one or more other parties;

instructions configured to compare the transaction data to an education position rule, wherein the education position rule relates at least partially to information associated with two or more education levels for transaction data; and

instructions configured to determine an education position based at least partially on a comparison of the transaction data to an education position rule, wherein the education position comprises one or more education position identifiers configured to be appended to the transaction data involving the consumer and business merchant;

instructions configured to append, at least, one of the one or more education position identifiers to the transaction data involving the consumer and the business merchant.

28. The computer program product of claim 27, further comprising instructions configured to determine a product offer for the consumer based at least partially on the education position.

29. The computer program product of claim 28, further comprising instructions configured to offer the product offer to the consumer.

30. The computer program product of claim 27, further comprising instructions configured to compare the transaction data to a geographic location position rule, instructions configured to determine a geographic location position based at least partially on a comparison of the transaction data to a geographic location position rule, and instructions configured to determine a product offer for the consumer based at least partially on the geographic location position and the education position.

31. The computer program product of claim 27, and wherein the education position rule relates at least partially to the business-merchant.

32. The computer program product of claim 27, wherein the transaction further involves a product, and wherein the education position rule relates at least partially to the product.

33. The computer program product of claim 27, further comprising instructions configured to assign the education position to the consumer.

34. A system comprising:

a communication interface configured to receive transaction data from a transaction involving a consumer and one or more other parties;

a memory configured to store an education position-identifying rule; and

a computer processing device operatively coupled to the communication interface and the memory, wherein the memory comprises a non-transitory computer-readable medium comprising computer program code stored thereon, wherein said computer program code is specifically configured to cause the computer processing device to perform the following operations when performing the computer program code;

determine an education position identifier based at least partially on a comparison of the transaction data to an education position-identifying rule, wherein the education position identifier comprises one or more education position identifiers configured to be appended to the transaction data involving the consumer and business merchant, and wherein the education position rule relates at least partially to information associated with two or more education levels for transaction data;

append, at least, one of the one or more education position identifiers to the transaction data involving the consumer and the business merchant.

35. The system of claim 34, wherein the computer program code is specifically configured to cause one or more computer processing devices to determine a product offer for the consumer based at least partially on the education position identifier.

36. The system of claim 35, wherein the computer program code is specifically configured to cause one or more computer processing devices offer the product offer to the consumer.

37. The system of claim 34, wherein the computer program code is specifically configured to cause one or more computer processing devices to determine a geographic location position identifier based at least partially on a comparison of the transaction data to a geographic location position-identifying rule, and wherein the computer program code is specifically configured to cause one or more computer processing devices to determine a product offer for the consumer based at least partially on the geographic location position identifier and the education position identifier.

38. The system of claim 34, wherein the education position-identifying rule relates at least partially to the business-merchant.

39. The system of claim 34, wherein the transaction further involves a product, and wherein the education position-identifying rule relates at least partially to the product.

40. The system of claim 34, wherein the computer program code is specifically configured to cause one or more computer processing devices to assign the education position identifier to the consumer.

41. A computer-implemented method comprising:

providing anon-transitory computer-readable medium comprising computer program code stored thereon, wherein said computer program code is specifically configured to cause one or more computer processing devices to perform the following operations when performing the computer program code;

receiving transaction data from a transaction involving a consumer and a business-merchant;

comparing the transaction data to an education position-identifying rule, wherein the education position-identifying rule relates at least partially to information associated with two or more education levels for transaction data; and

determining an education position identifier based at least partially on a comparison of the transaction data to an education position-identifying rule, wherein the education position identifier comprises one or more education position identifiers configured to be appended to the transaction data involving the consumer and business merchant;

appending, at least, one of the one or more education position identifiers to the transaction data involving the consumer and the business merchant.

42. The computer-implemented method of claim 41, further comprising computer program code is specifically configured to cause one or more computer processing devices to perform the following operations when performing the computer program code:

determining a product offer for the consumer based at least partially on the education position-identifier.

43. The computer-implemented method of claim 42, further comprising computer program code is specifically configured to cause one or more computer processing devices to perform the following operations when performing the computer program code:

offering the product offer to the consumer.

44. The computer-implemented method of claim 41, further comprising computer program code is specifically configured to cause one or more computer processing devices to perform the following operations when performing the computer program code:

comparing the transaction data to a geographic location position-identifying rule, determining a geographic location position identifier based at least partially on the comparison of the transaction data to a geographic location position-identifying rule, and

determining a product offer for the consumer based at least partially on the geographic location position identifier and the education position identifier.

45. The computer-implemented method of claim 41, wherein the education position-identifying rule relates at least partially to the business-merchant.

46. The computer-implemented method of claim 41, wherein the transaction further involves a product, and wherein the education position-identifying rule relates at least partially to the product.

47. The computer-implemented method of claim 41, further comprising computer program code is specifically configured to cause one or more computer processing devices to perform the following operations when performing the computer program code:

assigning the education position identifier to the consumer.

48. A system comprising:

a communication interface configured to receive an education position, wherein the education position is determined based at least partially on transaction data from a transaction involving a consumer and a business-merchant, wherein the education position comprises one or more education position identifiers configured to be appended to the transaction data involving the consumer and business merchant;

a memory configured to store a product offer rule; and

a computer processing device operatively coupled to the communication interface and the memory, wherein the memory comprises a non-transitory computer-readable medium comprising computer program code stored thereon, wherein said computer program code is specifically configured to cause the computer processing device to perform the following operations when performing the computer program code;

append, at least, one of the one or more education identifiers to the transaction data involving the consumer and the business merchant; and

determine a product offer for the consumer based at least partially on a comparison of the transaction data appended with the, at least, one of the one or more education position identifiers to a product offer rule.

49. The system of claim 48, wherein the computer program code is specifically configured to cause one or more computer processing devices to offer the product offer to the consumer.

50. The system of claim 48, wherein the communication interface is further configured to receive a geographic location position, wherein the geographic location position is based at least partially on transaction data from a transaction involving a consumer, and wherein the computer program code is specifically configured to cause one or more computer processing devices to determine a product offer for the consumer based at least partially on a comparison of the geographic location position to a product offer rule and a comparison of the education position to a product offer rule.

51. The system of claim 48, wherein the communication interface is further configured to receive information about the consumer from the consumer, and wherein the computer program code is specifically configured to cause one or more computer processing devices to determine a product offer based at least partially on a comparison of the information to a product offer rule.

52. The system of claim 48, wherein the transaction further involves a product, and wherein the product offer rule relates at least partially to the product.

53. The system of claim 48, wherein the transaction further involves a time, and wherein the product offer rule relates at least partially to the time.