Abstract: Apparatuses, computer readable media, methods, and systems are described for identifying a change or an increased likelihood of a change in a usage pattern of an account, generating an offer in response to the identifying, the offer comprising an incentive for use of the account in future transactions, and causing transmission of the offer.

Abstract: A computer system obtains purchase history data about past purchases from merchants by a customer. Based on location information about the merchants, the computer system determines a bundled travel plan so that the customer may travel to the merchants in a single trip to reduce a trip characteristic such as travel time, mileage, gasoline usage, or a combination thereof. The computer system may further send map information to a terminal device to display the bundled travel plan to facilitate navigation by the customer. The computer system may also provide a suggested purchase alternative for one of the past purchases by a customer. For example, the computer system may consider different factors including the relative degree of greenness between the past purchase and the suggested purchase alternative based on carbon footprints.

Abstract: A method for communicating one or more offers to one or more users determines a distance between each of the plurality of users and one or more merchants, based at least in part on a first set of data, wherein the first set of data comprises information related to a plurality of users and a plurality of locations, each of the plurality of locations corresponding to one or more of the plurality of users, correlates the distance between each of the users and the one or more merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the one or more merchants, determines to which of the plurality of users to make offers, communicates one or more offers to the determined users based at least in part on the correlated distance between each of the users and the one or more merchants, and receives, communicated from a mobile device of a user, acceptance or redemption of one or more of the offers.

Abstract: Embodiments of the invention provide financial health assessment and incentive systems for financially responsible behaviors. The methods, apparatus and computer program products provide for receiving a financial behavior set associated with a customer, identifying a difference between the financial behavior set associated with the customer and a second financial behavior set, and providing to the customer an incentive to make an alteration to a financial behavior. In some example implementations, financial behaviors exhibited by or otherwise attributable to individuals who are socially affiliated with the customer via a social network are observed and associated with the customer. In some example implementations, advertisements for goods and/or services that are potentially attractive to the customer are directed to the customer in response to identifying a difference between the financial behavior set associated with the customer and the second financial behavior set.

Abstract: A method, apparatus, computer-readable medium and system are disclosed for providing a computerized algorithm for customizing products and/or services provided to a user. The products and/or services may be related to banking and/or accounts. In some embodiments, a device may access and analyze historical information associated with a user. Based at least in part on the analysis, the device may determine whether the user has an option to customize a product or service, such as terms or conditions associated with a product or service offering. When the user has the option to customize the product/service, the device may transmit a recommendation to the user, where the recommendation comprises a suggested value to be associated with the product/service.

Abstract: A method determines a network value of a customer by collecting a first set of customer data from one or more social networks in which the customer is a member, where the first set of customer data is indicative of a number and quality of each of a plurality of connections within the one or more social networks. The method then collects a second set of customer data, where the second set of customer data includes data available to an entity based on prior interactions between the entity and the customer and analyzes, using a processing device, the first set of customer data and the second set of customer data. Then the method determines, using a processing device, the network value of the customer based at least in part on the analysis of the first set of customer data and the second set of customer data.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for offering products or services to existing customers of a merchant based on the likelihood that the customer will purchase additional products or services of the merchant, wherein a computing device monitors data that is indicative of a customer's personal circumstances and a processor analyzes changes in the data and correlates the changes to opportunities for the merchant to offer products or services to the customer. A computing device then receives an indication that the customer is proximate in time to a change in data that correlates to an opportunity for the merchant to offer products or services to the customer and communicates the offers for the correlated products or services to the customer.

Abstract: A method identifies one or more customers likely of attriting. The method includes collecting a first set of customer data from one or more social networks in which the customer is a member, where the first set of customer data is indicative of a degree of connection of each of a plurality of connections within the one or more social networks. The method then collects a second set of customer data, where the second set of customer data comprises data available to an entity based on prior interactions between the entity and the customer. Next, the second set of customer data is analyzed to identify any negative interactions between the entity and the customer. Finally, information regarding the identified negative interactions is correlated with the first set of customer data to identify one or more connections as customers of the entity at risk of attriting.

Abstract: Methods, computer readable media, and apparatuses for providing customer rewards programs are presented. According to one or more aspects, it may be determined, based on transaction history information, that a group of accountholders is associated with a common interest. Subsequently, it may be determined that one or more entities provide offerings relevant to the common interest. Thereafter, at least one new rewards program may be automatically created with the one or more entities, and the at least one new rewards program may allow the group of accountholders to earn rewards associated with the common interest. According to one or more additional aspects, it may be determined, for a particular accountholder, based on transaction history information associated with the accountholder, that a first rewards program in which the accountholder is not currently enrolled is more advantageous to the accountholder than a second rewards program in which the customer is currently enrolled.

Abstract: Embodiments of the invention are directed to a call center system providing network metrics based off of an individual's social networking connections, and more particularly embodiments of the invention are directed to methods, apparatuses, and computer program products for providing a recommendation to an individual contacting the call center, based on the reason the customer is contacting the call center and the customer's network metrics. The network metrics include analyzing an individual's social networks and the social network of connections associated with the customer. In this way, recommendations, such as a promotion, product, service, or response to the communication to the call center may be tailored to network metrics of an individual from social networks.

Abstract: A computer system processes transaction data about a customer's purchase. The computer system may access green index data that includes information about environmentally green purchases for green purchases. Based on comparing the green index data and the transaction data, an award may be provided to the customer in accordance with at least one purchase criterion, such as the purchase price and/or the degree of greenness of the purchased item. The account data for the customer is consequently updated for the award. The green index data may be derived by obtaining a list of candidate merchants and by comparing characteristics of a candidate merchant with at least one green factor. The candidate merchant may then be included in the green index data when a merchant score is greater than a predetermined score, where the merchant score may be based on the green characteristics of the candidate merchant.

Abstract: Embodiments of the invention are directed to a call center system for dynamically determining an appropriate customer service representative, and more particularly embodiments of the invention are directed to methods, apparatuses, and computer program products for providing a match between a customer and a customer service representative based on indicators from both the customer and the customer service representative. The indicators may include voice indicators, behavioral indicators, location indicators, personality indicators and the like. In this way, the customer service representative most appropriate to field the customer's call may be queue to receive the customer's call.

Abstract: A method for communicating one or more offers to users determines a distance between each of the users and one or more merchants, based at least in part on a first set of data including information related to users and locations, each corresponding to one or more of the users, correlates the distance between each of the users and the merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the merchants, determines to which of the users to make offers, communicates the offers to the determined users based on the correlated distance between each of the users and the merchants, monitors acceptance rate of the offers, and communicates one or more modified offers to one or more users based on the monitored acceptance rate of the offers.

Abstract: A method communicates one or more offers to a customer by determining a distance between each of the plurality of users and one or more merchants, based at least in part on a first set of data, wherein the first set of data comprises information related to a plurality of users and a plurality of locations, each of the plurality of locations corresponding to one or more of the plurality of users.

Abstract: A method, apparatus, computer-readable medium and system are disclosed for acquiring data with respect to a user. In some embodiments, a computational algorithm may determine whether to provide one or more products and/or services to a user. The products and/or services may be related to banking. In some embodiments, a device may receive a request for products/services. After an initial examination of the request, the device may make a determination that more information is needed. A request for the additional information may be transmitted, and the transmitted request may include one or more incentives for voluntarily disclosing the information. In some embodiments, the requested additional information may include verified income and/or expenses. A response to the request for additional information may be received at the device. The device may analyze the response and may extend an offer for products/services.

Abstract: An enhanced relationship server may analyze the relationship of an individual, group, and/or organization with respect to an entity. Based on this analysis, the enhanced relationship server may determine a relationship level of the individual, group, and/or organization with respect to the entity. The determined relationship level may be used to provide an appropriate incentive to maintain a relationship with the entity and/or strengthen an existing relationship with the entity. In addition, the enhanced relationship server may determine a social network of the individual, group, and/or organization and may use the social network as an aid in determining the appropriate reward/incentive.

Abstract: According to some embodiments, an account management system comprises a processor coupled to a memory. The memory is operable to store account information associated with an account. The processor is operable to communicate to a potential contributor a link to a webpage, wherein the webpage comprises account information identifying the account and request information identifying an amount of a funds request, the beneficiary of the account, and a purpose for the funds request. The processor is operable to receive a response to the funds request indicating an outcome of the funds request and manage the account based on the outcome of the funds request.

Abstract: A computer system determines whether any green merchants are located within a predetermined range from a mobile device. The computer system receives location information about the mobile device and determines whether any green merchants are located within a predetermined range of the mobile device's location. If so, the computer system sends merchant information about the identified green merchants to the mobile device. When a merchant's location is not within a predetermined range but within a neighboring area, the computer system may include a recommendation about the green merchant within the merchant information. A customer may indicate a merchant category through the mobile device so that the computer system may restrict merchant information only to green merchants within the category. The customer may also include a description from the mobile device to the computer system in order to obtain merchant information about a green merchant offering the green item.

Abstract: A computer system receives specification information about a future purchase by a customer and subsequently determines a candidate purchase from the specification information. The computer system may also generate and send a loan offer for the candidate purchase based on the degree of greenness of the candidate purchase. If the computer receives a response that is indicative of selecting the candidate purchase by the customer, the computer system may initiate a loan procedure for the candidate purchase and/or a reward for the candidate purchase. The loan offer for purchasing an item may be at least partially structured according to the degree of greenness of the item. For example, the interest rate for the loan may be reduced with the increased degree of greenness.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for determining a customer's risk profile by collecting data, via a computing processor, relating to the customer's risk tendencies from social networks which the customer is a member and from customer data available to a merchant based on prior dealings with the customer, analyzing the two sets of customer data with the computing processor to correlate the data to indicators of increased risk and determining a customer risk profile based on the indicators of increased risk.