Jpmorgan Chase Bank, N.a.

Other

Kathleen H Witsil

Dori K Skelding

George W Blossom

Michael J Rothman

Marc Fredman

Donna M Barrett

Bradley R Strock

Mary Carter Warren

David W Nanek

Donald H Schmitt

Karen R Ehemann

Douglas A Filak

James C Steckart

Ron E Jacobs

Rachana V Bhatt

Kimberly L Hoechst

Katrina Dowidchuck

Karen R Eheman

Marc L Fredman

Kim Hoechst

Ron Jacobs

Donna W Barrett

Vertically-oriented transaction device

Vertically-oriented, blue colored transaction card

Vertically-oriented, translucent transaction card

Vertically-oriented transaction card

The present invention relates to storing and manipulating customer purchasing information, particularly purchasing information by credit cards, debit cards, checks, and the like. A hierarchical organizational structure is created comprising a plurality of categories and sub-categories. The customer purchase information may then be retrieved according to user created links to generate customer preference information. The customer preference information may be stored in a customer account, thereby allowing targeted offers to be made to customers.

System and method for gathering and standardizing customer purchase information for target marketing

The present invention relates to methods for allowing an account holder to easily customize the terms of an account such as a loan account, an asset account, a mortgage account, an insurance account, or a brokerage account. Exemplary embodiments of the invention allow the user to specify various preferred terms such as cost (e.g., APR and annual fee), rewards programs, card design, affiliates, credit line, and payment due date, among others. The financial service provider issuing the account, e.g., the issuing bank, may make the various available terms for the account easily accessible to the user, for example through an internet website or an automated phone system, enabling the user to easily specify his or her preferences. The customization methods may be applied to the process of opening a new account or customizing an existing account. The customization methods may dynamically update the available terms as the user begins to select his or her desired terms.

System and method for establishing or modifying an account with user selectable terms

Growing community of inventors

Wilmington, DE, United States of America

Kathleen H Witsil