Abstract: A method, computer system, and computer program product that aggregates sample data regarding a plurality of factors associated with employment; performs iterative analysis on the data using machine learning to construct a predictive model; populates, using the predictive model, a database with predicted employment values for predefined geographic regions; converts the predicted employment values in the database into percentages of observed employment values for the predefined geographic regions over a specified time period to create indices of workforce elasticity for each geographic region; and rank orders the predefined geographic regions according to their indices of workforce elasticity.

Abstract: A method, computer system, and computer program product that aggregates data regarding a plurality of factors correlated with demographic parameters; performs iterative analysis on the data using machine learning to construct a predictive model of purchasing propensity; populates, using the predictive model, a database with predicted values of spending propensity for selected demographic parameters; converts the predicted values of spending propensity in the database into percentages of observed values of spending propensity for a selected group of people within the selected demographic parameters over a specified time period to create indices of spending propensity; and rank orders the people within the selected group according to their indices of spending propensity.

Abstract: A method, computer system, and computer program product that aggregates data regarding a plurality of factors correlated with income; performs iterative analysis on the data using machine learning to construct a predictive model; populates, using the predictive model, a database with predicted income values for a selected range of housing costs; converts the predicted income values in the database into percentages of observed income values for a selected group of people within the selected range of housing costs over a specified time period to create indices of financial stress; and rank orders the people within the selected group according to their indices of financial stress.

Abstract: A method, computer system, and computer program product that aggregates sample data regarding a plurality of factors associated with work scheduling, employee compensation, and employee tenure; performs iterative analysis on the sample data using machine learning to construct a predictive model; populates, using the predictive model, a database with predicted values of employee tenure in relation to work scheduling and employee compensation; converts the predicted values of employee tenure in the database into percentages of observed values of employee tenure for a selected group of employers over a specified time period to create indices of employee tenure; and rank orders the selected employers according to their indices of employee tenure.

Abstract: A method and apparatus for reducing an amount of resources required for address validation. An address validation program running on a processor unit configures a tax information table in a payroll database to have an authorization column indicating whether an employee having data in a row of the tax information table has authorized release of data in the row; receives a validation request for at least one validated address entered in one or more request fields in a graphical user interface connected to the processor unit; searches only rows having an indication of authorization in the authorization column of the tax information table; and responsive to finding at least one current address in the tax information table, displays the at least one current address in one or more response fields of the graphical user interface as the at least one validated address.

Abstract: A method, a computer system, and a computer program product for managing inventory for an organization. The computer system identifies human resources data regarding employees of organizations. The human resources data comprises geolocation data based at least partially on a geolocation of the organization and geolocations of the employees. The computer system determines a change in market dynamics relating to a set of geographic regions based at least partially on the human resources data. The computer system identifies transaction data for transactions involving a business merchant within a particular geographic region and a consumer. The computer system generates a suggested inventory for the business merchant. The suggested inventory is based at least partially on the determined change in market dynamics for the set of geographic regions in the transaction data for the business merchant.

Abstract: A method, a computer system, and a computer program product for predicting changes in market dynamics for a geographic region. A computer system identifies human resource data regarding employees of organizations. The human resource data comprises geolocation data based at least partially on a geolocation of the organization and geolocations of the employees. The computer system generates a plurality of location aggregates for different combinations of dimensions of the human resource data across a plurality of different geolocations. The computer system identifies a set of matched markets for a particular geographic region based on similarities among facts for the different combinations of dimensions among the plurality of location aggregates. The computer system identifies a predicted change in market dynamics for the particular geographic region based on a change in market dynamics for the set of matched markets.

Abstract: A method, system and apparatus for accessing an internal database that includes at least one payroll database, identifying an individual, a first location, a second location, a future date, and a time of day. Responsive to identifying the individual, the first location, the second location, the date, and the time of day, determining a predicted travel time for the individual between the first location and the second location at the time of day on the future date.

Abstract: Transaction data is processed using a store number that is associated with a merchant. By analyzing sales of a merchant by store, a financial institution can better assess the financial health of a merchant. The financial institution can subsequently evaluate different value propositions that may be offered to the merchant or a consumer. The store numbers are extracted from the transaction entries so that a performance metric can be determined by store locations of the merchant. Consequently, the financial institution can determine the financial health of the merchant based on individual stores rather than on the total sales of the merchant. Different value propositions can be offered by the financial institution to a merchant or a consumer of the merchant based on an analysis of the transaction data. Transaction data for different merchants and different geographic areas can be compared to identify potential customers for the financial institution.

Abstract: Aspects of this disclosure relate to a computer configured to identify potential customers which may include a processor and memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying potential customers for a first bank, by electronically receiving data regarding the first bank, electronically receiving data regarding a second bank. Further, based on the electronically received data the method may further include identifying locations of the first bank, identifying locations of the second bank, comparing the locations of the first bank with the locations of the second bank, determining locations of the second bank that are within a predetermined distance of at least one location of the first bank, determining an amount of funds in a set of deposit accounts in each location of the second bank, and determining if the amount of funds in each location of the second bank is more than a predetermined amount.

Abstract: Aspects of this disclosure relate to a computer configured to identify potential customers which may include a processor and memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying potential customers for a first bank, by electronically receiving data regarding the first bank, electronically receiving data regarding a second bank. Further, based on the electronically received data the method may further include identifying locations of the first bank, identifying locations of the second bank, comparing the locations of the first bank with the locations of the second bank, determining locations of the second bank that are within a predetermined distance of at least one location of the first bank, determining an amount of funds in a set of deposit accounts in each location of the second bank, and determining if the amount of funds in each location of the second bank is more than a predetermined amount.

Abstract: Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor attaches funds from a debtor's deposits account to satisfy overdue debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the attachable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.

Abstract: Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information.

Abstract: A method to apply different treatments may include defining at least one treatment and selecting at least one channel. The method further may include applying the at least one treatment to the at least one selected channel.

Abstract: Embodiments of the present invention relate to apparatuses, systems, methods, and computer program products for determining an investment strategy for a security. In one embodiment, an apparatus comprises a processor configured to: (1) receive information identifying a security; (2) access historical market data for the security, wherein the historical market data includes historical values, over a historical period of time, for one or more market parameters for the security; (3) use the historical market data to determine a relationship between a market parameter's value and the security's value during the historical period of time; and (4) use the relationship to determine an investment strategy that determines trading decisions based at least partially on the market parameter's value.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing a market-dynamics network that assesses social and economic market dynamics in specific geographic regions. For example, the market-dynamics network collects transaction data from a large number of business-merchants across a large number of geographic locations and appends geographic-location identifiers to the collected transaction data. The market-dynamics network then aggregates transaction data in specific geographic regions and, based on the aggregated transaction data, assesses social and economic market dynamics in those geographic regions.

Abstract: Aspects of the invention provide for the use of transactional data in the calculation of sub-scores that may be used in an index score. The sub-scores may include an account sub-score, an investment sub-score, and/or a discretionary sub-score. One or more sub-scores that represent an individual, an entity, or an economic sector may be used to create an index. Further aspects relate to calculating novel indices that more accurately represent and/or predict economic conditions.

Abstract: Techniques for bridging data from business support units, e.g., call centers and marketing operations, with a data warehouse to augment and enrich pre-existing customer information. Unstructured data is received with incomplete integration information. A data key is created from the unstructured data, and the unstructured data is integrated with the structured data in a data warehouse based on the data key. Unstructured data can assume different forms of data, including recorded audio data, facial image data, and iris image data. At least one customer identifier is extracted from the unstructured data by data mining. A data key is subsequently created from the at least one customer identifier. Incomplete integration may include partial integration information or may not include any integration information.

Abstract: Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions.

Abstract: Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions.