Systems and methods for scoring bank customers direct...

Details Systems and methods for scoring bank customers direct... Systems and methods for scoring bank customers direct...

2007-11-20

2007-11-20

Le, Thien Minh (Department: 2876)

Registers

Systems controlled by data bearing records

Banking systems

C235S382000

Reexamination Certificate

active

10858745

ABSTRACT:
A financial scoring system for forecasting the financial behavior of a bank customer holding a direct-deposit-account, commonly referred to as a checking account, to forecast the probability of being a cross sell or up sell acquisition candidate, a default candidate on a loan repayment account, a default candidate on a credit card payments, a default candidate on an off-line debit card transaction, an account closing, attrition, candidate, or a potential fraud candidate, such as money laundering. The financial scoring system can assist the bank in determining profitable and non-profitable account activity and customer groups. The financial behavior scoring will help banks to attract retailers to participate and co-sponsor marketing initiative based on the financial score achieved for a specific group of bank customers.

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U.S. Appl. No. 09/880,430, filed Jun. 13, 2001, Pliha.
U.S. Appl. No. 09/880,430, filed Jun. 13, 2001, Pliha.

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