FINANCIAL HEALTH ASSESSMENT AND INCENTIVE SYSTEM FOR FINANCIALLY RESPONSIBLE BEHAVIORS

摘要

Embodiments of the invention provide financial health assessment and incentive systems for financially responsible behaviors. The methods, apparatus and computer program products provide for receiving a financial behavior set associated with a customer, identifying a difference between the financial behavior set associated with the customer and a second financial behavior set, and providing to the customer an incentive to make an alteration to a financial behavior. In some example implementations, financial behaviors exhibited by or otherwise attributable to individuals who are socially affiliated with the customer via a social network are observed and associated with the customer. In some example implementations, advertisements for goods and/or services that are potentially attractive to the customer are directed to the customer in response to identifying a difference between the financial behavior set associated with the customer and the second financial behavior set.

主权项

1. An apparatus for assessing and incentivizing a financial behavior associated with a customer, the apparatus comprising:
a computing device comprising a memory and at least one processor; and a customer financial behavior assessment application stored in memory, executable by the processor, and configured to:
receive a first financial behavior set comprising a spending behavior associated with a customer;identify one or more differences between the first financial behavior set and a second financial behavior set comprising a target spending behavior;determine location information associated with the customer;determine, from the first financial behavior set, that the customer has previously exhibited undesired spending behavior at a location corresponding to the location information associated with the customer;in response to determining the customer has previously exhibited undesired spending behavior at the location, provide to the customer a notification that the customer has previously exhibited undesired spending behavior at the location; andin conjunction with the notification, provide to the customer an incentive to make an alteration to a financial behavior in the first financial behavior set, wherein the incentive is configured to reduce the one or more differences between the first financial behavior set and the second financial behavior set.