Open payments target marketing system

An automated banking system for identifying and analyzing payment related information between a user's correspondent banks, customers and competitors, and acting upon said information on a real-time or near-real-time basis, said system comprising:

• means for identifying incoming payments said correspondent banks route through said competitors;
• means to capture incoming payment information, wherein said incoming payment information includes the correspondent bank from which said incoming payment originated, the competitor through which said payment was sent, the correspondent bank's customer, the payment beneficiary or customer, and all payment identification information associated with said payment, said means to capture comprising a commercially available payments solution framework;
• means for analyzing said incoming payment information;
• means to generate an advisory message to said correspondent bank informing said correspondent bank that said payment may be made directly from their account;
• and
• means for generating a report of said indirectly routed payments.