Jpmorgan Chase Bank, N.a.

First USA Bank, Na

Christopher R Lefebvre

Christopher James Konen, Sr

Matthew Joseph Keane

Elissa Budischak

Stephen T Schreiner

A system and method for providing incentives to customers where the incentives are tailored to the customer's needs and expectations while achieving profitability to the provider are presented. The present invention determines a set of incentives based on customer segmentation, card segmentation, call type as well as other factors. Upon receiving a request for termination or other request, the customer may be routed to an appropriate person, department, or group. Information regarding the account may be identified and retrieved and the customer may be verified. Based on customer payment history and other information, the customer segment may be identified. Incentives are then determined based on customer segmentation data, product information, and call type. These incentives are offered to the customer for approval. If the customer does not accept the incentive, other sales opportunities may be offered to the customer in an effort to retain customer loyalty.

Method and system for retaining customer loyalty

The invention comprises an apparatus and method for an automated invention submission and scoring tool for evaluating invention submissions. The system comprises a server system and a plurality of server systems. The server system presents submission questionnaires over a networked connection to submitters at user systems. The user completes the questionnaires, which are returned to the server system for processing. The server system processes the answers to provide a quantified evaluation of the submission based on patentability and at least one other parameter, such as impact or value. An evaluator at an evaluator system can view a presentation of the quantified assessment of the invention submission. The evaluator can also view the results of multiple invention submissions on a status overview page. Links between the status overview page, individual questionnaires, and individual assessment presentations are provided.

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Landenberg, PA, United States of America

Christopher R Lefebvre