公开(公告)号：US12051107B2

公开(公告)日：2024-07-30

申请号：US18185811

申请日：2023-03-17

Applicant: JPMORGAN CHASE BANK, N.A.

Inventor： W. David Thomas ,  Claimonte Nelson ,  Dennis Bowers ,  Michael S. Hartman ,  Steven Noel Roth ,  Jagan Devisetty ,  Nagesh Chalasani ,  Jason J. Kim ,  Marianna Dulkina ,  Suzanne Dimant ,  Vakul Garg ,  Ajit Nalla ,  Daniel A. Haas ,  James Hennessey ,  Keith Reichenbach ,  Richard S. Bunke ,  Seth Goldkrantz ,  Stephani L. Breault ,  Steven Aller ,  Vidyasankar Narayanan ,  Wade A. Stratton ,  Margaret F. Evans ,  Kapil Bansal

IPC: G06Q40/03 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0251

CPC classification number: G06Q40/03 ,  G06Q30/0224 ,  G06Q30/0251 ,  G06Q30/0255

Abstract: A method for presenting pre-approved and pre-underwritten offers to a customer may include: receiving targeting criteria based on at least one of current accounts with the financial institution, assets, creditworthiness, and credit risk for an offer for a financial product; identifying a target population of customers for the offer by applying the targeting criteria to a population of customers; reviewing each customer in the target population for underwriting for the financial product based on inferred income for each customer and accounts that each customer has with the financial institution, wherein the underwriting is performed before the financial product is offered; determining a channel to present the offer to one of the customers that passed underwriting; communicating the offer to the customer over the selected channel; and providing an accepted offer to a fulfilment engine, wherein the fulfilment engine initiates an account opening for the financial product.

公开(公告)号：US11615467B2

公开(公告)日：2023-03-28

申请号：US16905740

申请日：2020-06-18

Applicant: JPMORGAN CHASE BANK, N.A.

Inventor： W. David Thomas ,  Claimonte Nelson ,  Dennis Bowers ,  Michael S. Hartman ,  Steven Noel Roth ,  Jagan Devisetty ,  Nagesh Chalasani ,  Jason J. Kim ,  Marianna Dulkina ,  Suzanne Dimant ,  Vakul Garg ,  Ajit Nalla ,  Daniel A. Haas ,  James Hennessey ,  Keith Reichenbach ,  Richard S. Bunke ,  Seth Goldkrantz ,  Stephani L. Breault ,  Steven Aller ,  Vidyasankar Narayanan ,  Wade A. Stratton ,  Margaret F. Evans ,  Kapil Bansal

IPC: G06Q40/02 ,  G06Q30/0207 ,  G06Q30/0251

Abstract: A method for presenting pre-approved and pre-underwritten offers to a customer may include: receiving targeting criteria based on at least one of current accounts with the financial institution, assets, creditworthiness, and credit risk for an offer for a financial product; identifying a target population of customers for the offer by applying the targeting criteria to a population of customers; reviewing each customer in the target population for underwriting for the financial product based on inferred income for each customer and accounts that each customer has with the financial institution, wherein the underwriting is performed before the financial product is offered; determining a channel to present the offer to one of the customers that passed underwriting; communicating the offer to the customer over the selected channel; and providing an accepted offer to a fulfilment engine, wherein the fulfilment engine initiates an account opening for the financial product.