主权项 |
1. A system for reviewing an online banking account of a user, the online banking account being maintained by a first financial institution to enhance user relationships and prevent account loss, the system comprising:
a computer apparatus including a computing device processor, a network communication interface in communication with a network, and a memory; and a trigger software module stored in the memory, comprising executable instructions that when executed by the computing device processor cause the computing device processor to:
receive, via the network communication interface, account data associated with the online banking account;store the account data in a storage device;identify account activity based on the account data, the account activity comprising a plurality of inbound transactions and outbound transactions;store a first trigger in a trigger datastore, the first trigger comprising the inbound transactions including no payroll transactions during a first period of time and a first predetermined number of payroll transactions during a second period of time, wherein the first period of time is prior to the second period of time;periodically monitor the first trigger, wherein periodically monitoring the first trigger comprises:
calculating a number of payroll transactions in the inbound transactions during the first period of time and the second period of time; anddetermining that the inbound transactions include no payroll transactions during the first period of time and the first predetermined number of payroll transactions during the second period of time;provide a first product recommendation for an investment product offered by the first financial institution to the user based on determining that the inbound transactions include no payroll transactions during the first period of time and the first predetermined number of payroll transactions during the second period of timeperform quality monitoring of the first trigger in real time, wherein performing quality monitoring of the first trigger in real time comprises:
segregating the account data into a plurality of time periods;calculating a number of instances in which the outbound transactions include no payroll transactions during the first period of time and the first predetermined number of payroll transactions during the second period of time;determining whether the number of instances the outbound transactions include no payroll transactions during the first period of time and the first predetermined number of payroll transactions during the second period of time during each time period is within a lower control limit and an upper control limit; andbased on determining that the number of instances in which the outbound transactions include no payroll transactions during the first period of time and the first predetermined number of payroll transactions during the second period of time during a particular time period is below the lower control limit or exceeds the upper control limit, transmitting an outlier notification to a predefined analyst. |