US2012203593A1PendingUtilityA1

Spend diagnostics and lead management

47
Individually held — no corporate assignee on recordPriority: Dec 7, 2006Filed: Apr 17, 2012Published: Aug 9, 2012
Est. expiryDec 7, 2026(~0.4 yrs left)· nominal 20-yr term from priority
Inventors:Allison M. RomanoDan Cheung Tat Chan
G06Q 40/00G06Q 40/02G06Q 30/02
47
PatentIndex Score
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Claims

Abstract

A method and system are used to optimize utilization of a transaction card by a card member. The system and method including generating a first data set based on data stored in a database representing industries of the card members. Generating a second data set representing an average amount charged to a transaction account by the card members in each respective one of the industries based on the first data set. Comparing the average amount charged from the first generating step to an actual amount charged by each individual one of the card members in a respective one of the industries. Communicating a result of the comparison to the card members. Receiving data from the card members based on their receiving of the comparison result. Storing the data in the database or a lead management device, such that the data is updated.

Claims

exact text as granted — not AI-modified
1 . A method comprising:
 generating, by a computer based system for lead management comprising a processor and a non-transitory memory, a first data set comprising data representing industries;   generating, by the computer based system, a second data set representing an average amount charged to a transaction account in each of the industries based on the first data set;   comparing, by the computer based system, the average amount charged to an amount charged to the transaction account in each of the industries to determine additional spend capacity; and   transmitting, by the computer based system, a result of the comparison.   
     
     
         2 . The method of  claim 1 , wherein the first data set comprises data representing industries of first persons. 
     
     
         3 . The method of  claim 2 , wherein the first data set comprises data representing transaction data associated with the first persons. 
     
     
         4 . The method of  claim 1 , wherein each of the first persons is associated with a respective transaction account. 
     
     
         5 . The method of  claim 1 , further comprising generating the second data set representing the average amount charged to each transaction account in each of the industries based on the first data set. 
     
     
         6 . The method of  claim 1 , further comprising generating a third data set representing at least one of a list of vendors and types of expenses included in the first data set. 
     
     
         7 . The method of  claim 2 , further comprising inputting, into the computer based system, at least one of demographic information and contact scheduling information. 
     
     
         8 . The method of  claim 1 , further comprising using Standard Industry Classification codes to represent the industries. 
     
     
         9 . The method of  claim 1 , wherein the average is derived from no more than about 80% of the first data set. 
     
     
         10 . A system comprising:
 a non-transitory memory communicating with a processor for lead management;   the non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:   generating, by processor, a first data set comprising data representing industries;   generating, by the processor, a second data set representing an average amount charged to a transaction account in each of the industries based on the first data set;   comparing, by the processor, the average amount charged to an amount charged to the transaction account in each of the industries to determine additional spend capacity; and   transmitting, by the processor, a result of the comparison.   
     
     
         11 . The system of  claim 10 , wherein the first data set comprises data representing industries of first persons. 
     
     
         12 . The system of  claim 11 , wherein the first data set comprises data representing transaction data associated with the first persons. 
     
     
         13 . The system of  claim 10 , wherein each of the first persons is associated with a respective transaction account. 
     
     
         14 . The system of  claim 10 , further comprising generating the second data set representing the average amount charged to each transaction account in each of the industries based on the first data set. 
     
     
         15 . The system of  claim 10 , further comprising generating a third data set representing at least one of a list of vendors and types of expenses included in the first data set. 
     
     
         16 . The system of  claim 11 , further comprising inputting, into the computer based system, at least one of demographic information and contact scheduling information, 
     
     
         17 . The system of  claim 10 , further comprising using Standard Industry Classification codes to represent the industries. 
     
     
         18 . The system of  claim 10 , wherein the average is derived from no more than about 80% of the first data set. 
     
     
         19 . An article of manufacture including a non-transitory computer readable storage medium having instructions stored thereon that, in response to execution by a computer based system for lead management, cause the computer based system to perform operations comprising:
 generating, by the computer based system, a first data set comprising data representing industries;   generating, by the computer based system, a second data set representing an average amount charged to a transaction account in each of the industries based on the first data set;   comparing, by the computer based system, the average amount charged to an amount charged to the transaction account in each of the industries to determine additional spend capacity; and   transmitting, by the computer based system, a result of the comparison.   
     
     
         20 . The article of  claim 19 , wherein the average is derived from no more than about 80% of the first data set.

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