Patents by Inventor Mark Temares

Abstract: Providing an account-based product. A communications portal is provided and consumer data is received via the portal. At least one derived characteristic, e.g., qualification, is determined contemporaneously from the consumer data. A product set is presented, via the portal, including at least one product determined at least in part by the derived characteristic. A selection from the product set is received via the portal, and at least one product feature, e.g., balance transfer, of at least one selected product is activated contemporaneous with the product selection.

Abstract: A method and system for purchased-based segmentation of potential customers employs the use of actual, observed purchases instead of presumptions and correlations to improve the accuracy of segmentation and involves collecting empirical data for a client on actual purchasing behavior of a group of customers and applying statistical modeling techniques to the empirical purchasing behavior data to identify segments or clusters of the customers that exhibit similar purchasing propensity characteristics. Thereafter, the segments or clusters are further differentiated from one another according to other factors having a tendency to directly affect actual purchasing behavior of the customers within the segments or clusters, and potential customers are then identified according to a correlation with the segments or clusters for customized marketing.

Abstract: Providing an account-based product. A communications portal is provided and consumer data is received via the portal. At least one derived characteristic, e.g., qualification, is determined contemporaneously from the consumer data. A product set is presented, via the portal, including at least one product determined at least in part by the derived characteristic. A selection from the product set is received via the portal, and at least one product feature, e.g., balance transfer, of at least one selected product is activated contemporaneous with the product selection.