Method and system for evaluating customers of a financial institution using customer relationship value tags

US7376603B1 · kind B1 · utility

Assignee

• Fair Isaac Corporation · US

Inventors

• Mona Mayr · Naperville, US
• Darcy Walker · Buffalo Grove, US
• Yinghua Lin · Los Alamos, US
• Guowei Wu · Maoming, CN
• Stephen Coggeshall · Los Alamos, US

Key dates

• Filing date: Aug 18, 1998
• Grant date: May 20, 2008
• Expiry date: Apr 4, 2022

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A computerized method and system for evaluating customers of a financial institution using customer relationship value tags and associated customer treatment actions includes automatically analyzing information about a customer from a database of the financial institution by a customer assessment engine using a predefined statistical model to assess the value of the customer to the financial institution. At least one customer treatment action associated with the assessed value is identified by the assessment engine, and the assessment engine marks a file associated with the customer with a mark representing the assessed value and the associated customer treatment action. The marked file is then accessed by other financial systems of the financial institution, or by customer representatives of the financial institution, and the associated customer treatment action is implemented by such systems or representatives in dealing with the customer.