Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing a customer network in which customers are incentivized to “opt-in” to a marketing program. For example, the invention builds a network of customers, collects and stores customers' demographic information, compiles mailing lists based on list purchasers' requested demographic criteria, sells the compiled mailing lists to list purchasers, and compensates those customers included on the mailing lists.

Abstract: A computer assisted method selecting a potential audience for an advertisement wherein the method may include electronically receiving data relating to at least one financial transaction between a customer of an organization and a third party, electronically receiving data relating to at least one demographic of the customer, and using a demographic evaluation computer to determine a potential audience for an advertisement based on the financial transaction data and the demographic data.

Abstract: Aspects of this disclosure relate to a system for providing feedback to an advertiser related to the effectiveness of advertising using the transaction data, including one or more organization databases, a transaction data analyzer that analyzes transaction data, an advertisement repository database, and a computer system configured to allow advertisements to be uploaded to the advertisement repository database, to allow the communication of feedback related to advertising effectiveness to the advertiser. Transaction data analyzer may search financial transaction data based on advertiser input, may determine characteristics of the searched financial transaction data, and determine results based on the determined characteristics. Further, the system may communicate the results to the advertiser.

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 an advertising optimization computer which may include a processor and memory storing computer executable instructions that, when executed, cause the advertising optimization computer to perform a method for selecting an advertisement to be presented to a customer during a financial transaction by electronically receiving data relating to the identity of the customer conducting the financial transaction, electronically receiving data relating to one or more advertisements and determining the particular advertisement to present to the customer during the financial transaction based on the data by comparing the data relating to the identity of the customer conducting the financial transaction with the data relating to one or more advertisements and selecting an advertisement to be presented during the financial transaction based on the comparison.

Abstract: Aspects of this disclosure relate to a system for presenting an advertisement to a customer during a financial transaction which may include an advertisement optimization computer, an advertisement repository database which may store one or more advertisements and information regarding a particular audience to which the respective advertisements should be presented and a computer system configured to allow advertisements to be uploaded to the advertisement repository database. The advertisement may be presented at a point of transaction wherein the financial transaction is being conduced and the financial transaction data from the financial transaction being conducted at the point of transaction may be determined at the point of transaction and may be transmitted to the advertisement optimization computer.

Abstract: Aspects of this disclosure relate to a potential-customer identifying computer 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 organization, by identifying financial accounts of the first organization wherein a customer associated with one of the respective financial accounts has made a payment on their respective financial account using a deposit account that the customer holds with a second organization. Further, the potential customer identifying computer may electronically retrieve, from a customer profile database, customer profile information for each of the financial accounts of the first organization and determine whether the customer profile information includes a bank routing number associated with the second organization.

Abstract: Aspects of this disclosure relate to an identity level generating computer which may include a processor and memory storing computer executable instructions that, when executed, cause the computer to perform a method for generating identity levels for customers of a business. The method for generating identity levels for customers of a business may include electronically receiving customer data regarding at least one of: an identity of the customer, a behavior of the customer, a propensity of a customer and a risk associated with the customer's identity and determining one or more individual characteristic levels based on the electronically received information.

Abstract: Aspects of this disclosure relate to a financial relationship and social relationship identifying computer which may include a processor and a memory storing computer executable instructions that, when executed, cause the computer to perform a method for identifying financial relationships and social relationships between customers of a business. The method for identifying financial relationship and social relationships between customers of a business may include determining one or more people with whom a first customer has conducted at least one financial transaction, electronically receiving customer data providing identities of customers of the business determining which of the one or more people are also customers of the business by comparing the one or more people with the customer data and compiling a subset of the one or more people including customers of the business with whom the first customer has conducted at least one financial transaction.

Abstract: The present disclosure provides a method and system for predicting markets, including providing a plurality of prediction questions by an administrator over a network interface, displaying a first screen whereby a user may choose between a plurality of tabs containing a plurality of prediction question topics, displaying a second screen showing the prediction questions, displaying a third screen showing a single prediction question, upon request by a user, and optionally, awarding points to the user.

Abstract: A method and system for generating search results, comprising submitting a first search query for searching a first level database that yields high level aggregated classifications, and obtaining high level aggregated classifications based upon the first search query. The submission of a second search query based upon the high legal aggregated classifications of the first search query, and obtaining focused results based upon the second search query.

Abstract: Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent 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 garnishable 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: 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: Aspects of the invention provide for the use of transactional data in the forecasting of an index score, such as a financial index that predicts market conditions. Such forecasting may better prepare individuals and entities for depressed economic conditions. A comparison engine may be configured to compare the financial variable of the transactional data and the transactional data's date against an index score of an index on a date to determine the correlation of at least a portion of transactions represented by the transactional data with the index score. A selection engine may be configured to select a portion of transactions that are more correlated to the index than other transactions. An index score may be forecasted with the selected transactions. Additional transactional data may be extracted from one or more physical documents, such as an invoice, a statement, and/or commercial paper.

Abstract: Systems and methods for consumer participation in a marketing survey and for development of marketing solicitations by corporate clients based on consumer transactional/demographic data are described. An individual seeking to participate in a marketing survey may first choose to be included in a database containing many surveys that have been added by corporate sponsors. The system may select a willing consumer for participation in the survey based on predefined preferred data metrics. Upon participation, the consumer may also receive a reward in the form of a cash payment or gift, which the system may credit directly to the consumer's bank account and/or to the consumer's account with a corporate affiliate. In addition, the platform may be used to generate marketing contact lists based on consumer demographic and transactional data for a corporate client.

Abstract: Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent 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 garnishable 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: Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent 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 garnishable 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 providing a trading recommendation. The apparatus and methods may involve using information about events and reactions to the events. The events and the reactions may be used to identify an expected impact of the event on a market. The expected impact may be used to recommend investment vehicle trades. The methods may include receiving an information item that relates to an event; receiving a sentiment indicator corresponding to the item; assigning to the item a market impact weighting index that is at least partially based on the sentiment indicator; and, based at least partially on the market impact weighting index, selecting the trading recommendation from a database of trading recommendations.

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.