Jpmorgan Chase Bank, N.a.

Seth M Goldkrantz

Howard Spector

Allison Beer

Dennis Bowers

Michael S Hartman

Nagesh Chalasani

W David Thomas

Jason J Kim

Steven Aller

Jagan Devisetty

Kapil Bansal

Suzanne Dimant

Richard S Bunke

Vidyasankar Narayanan

Claimonte Nelson

Keith Reichenbach

Stephani L Breault

Wade A Stratton

Steven Noel Roth

Margaret F Evans

Ajit Nalla

Marianna Dulkina

Vakul Garg

Daniel A Haas

James Hennessey

A method for presenting pre-approved and pre-underwritten offers to a customer may include: receiving targeting criteria based on at least one of current accounts with the financial institution, assets, creditworthiness, and credit risk for an offer for a financial product; identifying a target population of customers for the offer by applying the targeting criteria to a population of customers; reviewing each customer in the target population for underwriting for the financial product based on inferred income for each customer and accounts that each customer has with the financial institution, wherein the underwriting is performed before the financial product is offered; determining a channel to present the offer to one of the customers that passed underwriting; communicating the offer to the customer over the selected channel; and providing an accepted offer to a fulfilment engine, wherein the fulfilment engine initiates an account opening for the financial product.

Systems and methods for pre-approving and pre-underwriting customers for financial products

Systems and methods for secure digital safe deposit boxes are disclosed. In one embodiment, a method for using a secure digital safe deposit box may include: (1) receiving permission from a customer to access internal and third party financial or confidential information for the customer; (2) retrieving the internal financial or confidential information for the customer; (3) receiving account information accounts held with a third party that holds financial or confidential information; (4) jointly authenticating the customer with the third party; (5) receiving the third party financial or confidential information for the customer from the third party; (6) receiving permission to share at least some of the internal or third party financial or confidential information for the customer with an external party; and (7) sharing the internal or third party financial or confidential information for the customer with the external party in accordance with the permission.

Secure digital safe deposit boxes and methods of use

Growing community of inventors

Phoenix, AZ, United States of America

Seth M Goldkrantz