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: 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: 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: 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: 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 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: 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.

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 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.