公开(公告)号：GB2471317A

公开(公告)日：2010-12-29

申请号：GB0911028

申请日：2009-06-25

Applicant: BANK OF AMERICA

Inventor： PORTS PRESTON W ,  GHOSH DEBASHIS ,  LIU WELCHENG ,  SUDJIANTO AGUS ,  CHEN JIE ,  ALLISON THAYER ,  JOFFE DAVID ,  AMIN MACK ,  PAWAR SAMIR ,  QUINN MATT

IPC: G06Q40/00

Abstract: A method for providing decision support systems using customer clustering comprises obtaining customer transaction data (e.g. internal-external customer transaction data, credit card information, customer funds ( income)), and categorising it. The categorised customer transaction data is analysed to identify patterns among the data. The identified patterns are used to isolate a selected number of behavioural factors. The customers are grouped into population segments based on the behavioural factors. Any non-linear transaction data may be analysed using a Hidden Markov method. The behavioural segments may be visually presented in a graph (Fig. 3). The decision support system may be used to provide more directed and accurate offers to customers thus improving the customer experience.