Jpmorgan Chase Bank, N.a.

Steven Noel Roth

Dennis Bowers

Michael S Hartman

Nagesh Chalasani

Seth M Goldkrantz

Jason J Kim

W David Thomas

Kapil Bansal

Claimonte Nelson

Suzanne Dimant

Keith Reichenbach

Marianna Dulkina

Vakul Garg

Margaret F Evans

Stephani L Breault

Jagan Devisetty

Wade A Stratton

Vidyasankar Narayanan

Ajit Nalla

Daniel A Haas

James Hennessey

Richard S Bunke

Steven Aller

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

Growing community of inventors

Ridgewood, NJ, United States of America

Steven Noel Roth