The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Mar. 28, 2023
Filed:
Jun. 18, 2020
Jpmorgan Chase Bank, N.a., New York, NY (US);
W. David Thomas, Glassboro, NJ (US);
Claimonte Nelson, Millstone Township, NJ (US);
Dennis Bowers, Middletown, DE (US);
Michael S. Hartman, Wilmington, DE (US);
Steven Noel Roth, Ridgewood, NJ (US);
Jagan Devisetty, Newark, DE (US);
Nagesh Chalasani, Frisco, TX (US);
Jason J. Kim, Wyckoff, NJ (US);
Marianna Dulkina, Columbus, OH (US);
Suzanne Dimant, Dumont, NJ (US);
Vakul Garg, Lutz, FL (US);
Ajit Nalla, Landenberg, PA (US);
Daniel A. Haas, Wilmington, DE (US);
James Hennessey, Chadds Ford, PA (US);
Keith Reichenbach, Mullica Hill, NJ (US);
Richard S. Bunke, Toughkenamon, PA (US);
Seth Goldkrantz, Phoenix, AZ (US);
Stephani L. Breault, Chandler, AZ (US);
Steven Aller, West Chester, PA (US);
Vidyasankar Narayanan, New Castle, DE (US);
Wade A. Stratton, Morgantown, PA (US);
Margaret F. Evans, New York, NY (US);
Kapil Bansal, Kennett Square, PA (US);
JPMORGAN CHASE BANK, N.A., New York, NY (US);
Abstract
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.