Patents by Inventor David T. Rose
David T. Rose has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20150221027Abstract: Systems and methods for optimizations involving insufficient funds conditions are provided. An identification of a first account of a customer of a financial institution may be received by a financial system comprising one or more computers. The first account may be a deposit account at the financial institution. Interest income and non-interest income attributable to one or more of a plurality of accounts, including the first account, that the customer has with the financial institution may be analyzed by the financial system. Based at least in part on the analyzed interest income and non-interest income, a recommended next action associated with the first account may be determined by the financial system. The recommended next action may be associated with an actual or potential insufficient funds (NSF) condition associated with the first account.Type: ApplicationFiled: February 25, 2015Publication date: August 6, 2015Inventors: David T. Rose, Donald Henry Hopper, JR., Kejun Zhang
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Publication number: 20150012334Abstract: Systems and methods for evaluating alternative financial products are provided. A first financial product offered by a financial institution may be identified, where one or more customers of the financial institution are eligible for migration from a second financial product to the first financial product. An attrition risk associated with migration of the one or more customers to the first financial product may be determined. If the attrition risk satisfies a threshold, then migration of the one or more customers to the first financial product may be directed. Otherwise, if the attrition risk fails to satisfy the threshold, then one or more characteristics associated with the first financial product may be modified.Type: ApplicationFiled: June 11, 2014Publication date: January 8, 2015Inventors: David T. Rose, Donald Henry Hopper, JR., Kejun Zhang
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Publication number: 20140195398Abstract: Systems and methods can provide for customer value optimization. The customer value optimization can include analyzing certain transaction and/or non-transaction data of customers with one or more predictive models to determine predictive modeling scores, values, or indicators. These one or more predictive modeling scores, values, or indicators can be used with other transaction or non-transaction data of customers, either alone or with other derived values/calculations, to provide certain optimizations relating to relationship optimization.Type: ApplicationFiled: March 10, 2014Publication date: July 10, 2014Applicant: FISERV, INC.Inventors: David T. Rose, Donald Henry Hopper, Jr., Hong Huang
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Patent number: 8762194Abstract: Systems and methods for evaluating alternative financial products are provided. A first financial product offered by a financial institution may be identified, where one or more customers of the financial institution are eligible for migration from a second financial product to the first financial product. An attrition risk associated with migration of the one or more customers to the first financial product may be determined. If the attrition risk satisfies a threshold, then migration of the one or more customers to the first financial product may be directed. Otherwise, if the attrition risk fails to satisfy the threshold, then one or more characteristics associated with the first financial product may be modified.Type: GrantFiled: February 28, 2012Date of Patent: June 24, 2014Assignee: Fiserv, Inc.Inventors: David T. Rose, Donald Henry Hopper, Jr., Kejun Zhang
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Patent number: 8744899Abstract: Systems and methods for migrating customers to alternative financial products are provided. A set of customers of a financial institution may be identified by a financial system that includes one or more computers. Each of the customers may be eligible for a migration from a first financial product to a second financial product. A pre-migration test may be conducted for a subset of the set of customers to determine an attrition risk associated with the migration of the set of customers to the second financial product. Based upon a determination that the attrition risk is acceptable, the migration of the set of customers from the first financial product to the second financial product may be directed.Type: GrantFiled: February 28, 2012Date of Patent: June 3, 2014Assignee: Fiserv, Inc.Inventors: David T. Rose, Donald Henry Hopper, Jr., Kejun Zhang
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Publication number: 20140095392Abstract: Systems and methods for optimizations involving insufficient funds conditions are provided. An identification of a first account of a customer of a financial institution may be received by a financial system comprising one or more computers. The first account may be a deposit account at the financial institution. Interest income and non-interest income attributable to one or more of a plurality of accounts, including the first account, that the customer has with the financial institution may be analyzed by the financial system. Based at least in part on the analyzed interest income and non-interest income, a recommended next action associated with the first account may be determined by the financial system. The recommended next action may be associated with an actual or potential insufficient funds (NSF) condition associated with the first account.Type: ApplicationFiled: December 9, 2013Publication date: April 3, 2014Applicant: FISERV, INC.Inventors: David T. Rose, Donald Henry Hopper, JR., Kejun Zhang
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Patent number: 8688557Abstract: Systems and methods can provide for customer value optimization. The customer value optimization can include analyzing certain transaction and/or non-transaction data of customers with one or more predictive models to determine predictive modeling scores, values, or indicators. These one or more predictive modeling scores, values, or indicators can be used with other transaction or non-transaction data of customers, either alone or with other derived values/calculations, to provide certain optimizations relating to relationship optimization.Type: GrantFiled: September 29, 2010Date of Patent: April 1, 2014Assignee: Fiserv, Inc.Inventors: David T. Rose, Donald Henry Hopper, Jr., Hong Huang
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Patent number: 8635134Abstract: Systems and methods for optimizations involving insufficient funds conditions are provided. An identification of a first account of a customer of a financial institution may be received by a financial system comprising one or more computers. The first account may be a deposit account at the financial institution. Interest income and non-interest income attributable to one or more of a plurality of accounts, including the first account, that the customer has with the financial institution may be analyzed by the financial system. Based at least in part on the analyzed interest income and non-interest income, a recommended next action associated with the first account may be determined by the financial system. The recommended next action may be associated with an actual or potential insufficient funds (NSF) condition associated with the first account.Type: GrantFiled: September 7, 2011Date of Patent: January 21, 2014Assignee: Fiserv, Inc.Inventors: David T. Rose, Donald Henry Hopper, Jr., Kejun Zhang
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Publication number: 20130226828Abstract: Systems and methods for evaluating alternative financial products are provided. A first financial product offered by a financial institution may be identified, where one or more customers of the financial institution are eligible for migration from a second financial product to the first financial product. An attrition risk associated with migration of the one or more customers to the first financial product may be determined. If the attrition risk satisfies a threshold, then migration of the one or more customers to the first financial product may be directed. Otherwise, if the attrition risk fails to satisfy the threshold, then one or more characteristics associated with the first financial product may be modified.Type: ApplicationFiled: February 28, 2012Publication date: August 29, 2013Applicant: FISERV, INC.Inventors: David T. Rose, Donald Henry Hopper, JR., Kejun Zhang
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Publication number: 20130226829Abstract: Systems and methods for migrating customers to alternative financial products are provided. A set of customers of a financial institution may be identified by a financial system that includes one or more computers. Each of the customers may be eligible for a migration from a first financial product to a second financial product. A pre-migration test may be conducted for a subset of the set of customers to determine an attrition risk associated with the migration of the set of customers to the second financial product. Based upon a determination that the attrition risk is acceptable, the migration of the set of customers from the first financial product to the second financial product may be directed.Type: ApplicationFiled: February 28, 2012Publication date: August 29, 2013Applicant: FISERV, INC.Inventors: David T. Rose, Donald Henry Hopper, JR., Kejun Zhang
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Publication number: 20130073386Abstract: Systems and methods for generating financial institution product offer proposals are provided. Historical information associated with a customer of a first financial institution may be evaluated to identify transaction information including at least one of (i) a set of one or more payments directed to a second financial institution different from the first financial institution or (ii) a set of one or more bills received from the second financial institution. Based at least in part upon an evaluation of the transaction information, a customer candidacy for an offer associated with a first financial institution product may be determined, and an offer proposal for the first financial institution product may be generated. The generated offer proposal or an offer for the first financial institution product may then be transmitted to a recipient.Type: ApplicationFiled: September 20, 2011Publication date: March 21, 2013Applicant: FISERV, INC.Inventors: David T. Rose, Donald Henry Hopper, JR., Hong Huang
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Publication number: 20130060669Abstract: Systems and methods for optimizations involving insufficient funds conditions are provided. An identification of a first account of a customer of a financial institution may be received by a financial system comprising one or more computers. The first account may be a deposit account at the financial institution. Interest income and non-interest income attributable to one or more of a plurality of accounts, including the first account, that the customer has with the financial institution may be analyzed by the financial system. Based at least in part on the analyzed interest income and non-interest income, a recommended next action associated with the first account may be determined by the financial system. The recommended next action may be associated with an actual or potential insufficient funds (NSF) condition associated with the first account.Type: ApplicationFiled: September 7, 2011Publication date: March 7, 2013Applicant: FISERV, INC.Inventors: David T. Rose, Donald Henry Hopper, JR., Kejun Zhang
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Publication number: 20120078813Abstract: Systems and methods can provide for customer value optimization. The customer value optimization can include analyzing certain transaction and/or non-transaction data of customers with one or more predictive models to determine predictive modeling scores, values, or indicators. These one or more predictive modeling scores, values, or indicators can be used with other transaction or non-transaction data of customers, either alone or with other derived values/calculations, to provide certain optimizations relating to relationship optimization.Type: ApplicationFiled: September 29, 2010Publication date: March 29, 2012Applicant: Fiserv, Inc.Inventors: David T. Rose, Donald Henry Hopper, JR., Hong Huang
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Publication number: 20120078766Abstract: Systems and methods can provide for customer value optimization. The customer value optimization can include analyzing certain transaction and/or non-transaction data of customers with one or more predictive models to determine predictive modeling scores, values, or indicators. These one or more predictive modeling scores, values, or indicators can be used with other transaction or non-transaction data of customers, either alone or with other derived values/calculations, to provide certain optimizations relating to product/service optimization.Type: ApplicationFiled: September 29, 2010Publication date: March 29, 2012Applicant: FISERV, INC.Inventors: David T. Rose, Donald Henry Hopper, JR., Hong Huang