Inventors:
Adam Burgess - Matthews NC, US
Fred Armstrong - Davidson NC, US
Carly Bradbury - Philadelphia PA, US
Matthew Cappio - Arlington VA, US
Amy L. Clark - Charlotte NC, US
Kristen Conly - Wilmington DE, US
Nenping Ruan - Wilmington DE, US
Tom Smith - Charlotte NC, US
Joseph Zeibert - Charlotte NC, US
Assignee:
BANK OF AMERICA CORPORATION - Charlotte NC
International Classification:
G06Q 40/00
G06Q 99/00
Abstract:
Embodiments of the invention relate to systems, methods, and computer program products for comprehensive and holistic behavior-based customer segmentation and customer profiling based on the segmentation. In specific embodiments of the invention, the segmentation includes internal credit behavior segmentation and external credit segmentation. In other embodiments, the segmentation includes internal credit behavior segmentation and external credit segmentation, and spend preference segmentation. In still further embodiments any combination of behavior algorithms may be implemented to segment the customer base and determine a related customer profile. The application additionally provides for new behavior algorithms to be added as needed in the future and the ability to interface with existing/legacy segmentation applications.
