Systems and methods for customer value optimization involving relationship optimization

A system, comprising:

• at least one network interface;
• at least one memory storing computer-executable instructions;
• and
• at least one processor communicatively coupled to the at least one network interface and the at least one memory, and configured to access the at least one memory and execute the computer-executable instructions to:
• receive, via at least a first network interface of the at least one network interface, and on behalf of a financial institution, i) an indication of one or more optimization objectives associated with one or more optimization processes and ii) an indication of one or more optimization constraints associated with the one or more optimization processes;
• receive, via at least a second network interface of the at least one network interface, customer financial data associated with a customer of the financial institution, wherein the customer financial data comprises at least one of i) financial account data associated with the customer or ii) financial transaction data associated with the customer;
• generate derived data associated with the customer based at least in part on the customer financial data, wherein the derived data comprises at least one of i) data indicative of a customer segment with which the customer is associated, ii) data indicative of one or more predictive model values generated based at least in part on one or more predictive models, or iii) data indicative of one or more computational values;
• determine that the customer is eligible for at least one of the one or more optimization processes based at least in part on i) at least a portion of the derived data and ii) the one or more optimization constraints;
• identify, based at least in part on the one or more optimization objectives, a particular optimization process to execute for the customer, wherein the at least one of the one or more optimization processes comprises the particular optimization process;
• execute the particular optimization process to identify a recommended next action to be taken with respect to the customer;
• and
• transmit, via at least a third network interface of the at least one network interface, information indicative of the recommended next action.

A method, comprising:

• receiving, by a computerized financial system comprising one or more computers and on behalf of a financial institution, i) an indication of one or more optimization objectives associated with one or more optimization processes and ii) an indication of one or more optimization constraints associated with the one or more optimization processes;
• receiving, by the computerized financial system, customer financial data associated with a customer of the financial institution, wherein the customer financial data comprises at least one of i) financial account data associated with the customer or ii) financial transaction data associated with the customer;
• generating, by the computerized financial system, derived data associated with the customer based at least in part on the customer financial data, wherein the derived data comprises at least one of i) data indicative of a customer segment with which the customer is associated, ii) data indicative of one or more predictive model values generated based at least in part on one or more predictive models, or iii) data indicative of one or more computational values;
• determining, by the computerized financial system, that the customer is eligible for at least one of the one or more optimization processes based at least in part on i) at least a portion of the derived data and ii) the one or more optimization constraints;
• identifying, by the computerized financial system and based at least in part on the one or more optimization objectives, a particular optimization process to execute for the customer, wherein the at least one of the one or more optimization processes comprises the particular optimization process;
• executing, by the computerized financial system, the particular optimization process to identify a recommended next action to be taken with respect to the customer;
• and
• transmitting, by the computerized financial system, information indicative of the recommended next action.