SYSTEMS AND METHODS FOR IMPROVING CUSTOMER RETENTION

1 . A method for retaining a customer, comprising:

performing a number of predetermined tasks according to a predetermined schedule when a new account is opened, including receiving a reason for creating the account, sending at least one communication to the customer, and providing at least one product offer to the customer,

wherein the reason is one of a plurality of predetermined reasons, and the at least one communication and the at least one product offer are determined at least in part using the reason for creating the account.

2 . The method of claim 1 , wherein the at least one product offer includes at least one offer for goods, at least one offer for services, or at least one offer for both goods and services.

3 . The method of claim 1 , wherein the new account is an account for a financial institution.

4 . The method of claim 3 , wherein the account is a personal account.

5 . The method of claim 3 , wherein the account is a business account.

6 . The method of claim 1 , wherein sending at least one communication to the customer includes sending a personalized thank-you card to the customer.

7 . The method of claim 1 , wherein sending at least one communication to the customer includes sending a personalized account opening package to the customer.

8 . The method of claim 1 , wherein performing the number of predetermined tasks includes enrolling the customer in a fraud recovery service during the at least one predetermined time period.

9 . The method of claim 1 , wherein performing the number of predetermined tasks includes receiving a first order from the customer, receiving customer responses to a lead generation survey, and generating at least one lead using the customer responses.

10 . The method of claim 9 , wherein performing the number of predetermined tasks includes delivering the first order to the customer and providing a targeted product offer to the customer, and the targeted product offer is determined using the reason for creating the account.

11 . The method of claim 9 , wherein:

providing at least one product offer to the customer includes providing at least one targeted product offer that is determined using the at least one lead generated using the customer survey response; and

providing at least one targeted offer to the customer includes:

assessing an interest of the customer toward potential products; and

providing a product offer determined at least in part on the assessed interest.

12 . The method of claim 1 , wherein providing at least one product offer to the customer includes:

determining at least one product currently used by the customer; and

providing at least one offer for at least one product determined at least in part on the at least one currently-used product.

13 . The method of claim 1 , wherein performing the number of predetermined tasks includes receiving customer responses to a loyalty survey.

14 . A method for retaining a customer, comprising:

receiving a reason for creating an account, wherein the reason is one of a plurality of predetermined reasons;

during a first time period after the account is created, sending a thank you card and an account opening package to the customer using the reason for creating the account;

during a second time period after the first time period, sending a general offer letter with a general product offer to the customer, wherein the general offer is determined using the reason for creating the account;

during a third time period after the second time period, sending a targeted offer letter with a targeted product offer to the customer, wherein the targeted offer is determined using the reason for creating the account.

15 . The method of claim 14 , wherein the account is a personal account, the method further comprising enrolling the customer in a fraud recovery service during the first time period.

16 . The method of claim 15 , further comprising:

during a fourth time period after the first time period and before the third time period, receiving a first order from the customer, and receiving customer responses to a lead generation survey;

during a fifth time period after the fourth time period and before the third time period, sending the first order to the customer, and providing a targeted product offer to the customer with the first order, wherein the targeted product offer provided with the first order is determined using the reason for creating the account; and

during a sixth time period after the third time period, receiving customer responses to a loyalty survey.

17 . The method of claim 16 , wherein:

during the first time period extending from approximately day 3 to approximately day 5 after the account is created, sending the thank you card and the account opening package to the customer, and automatically enrolling the customer in the fraud recovery service;

during the fourth time period extending from approximately day 5 to approximately day 10 after the account is created, receiving the first order from the customer, and receiving customer responses to the lead generation survey;

during the fifth time period extending from approximately day 7 to approximately day 15 after the account is created, sending the first order to the customer, and providing the targeted product offer to the customer with the first order;

during the second time period extending from approximately day 10 to approximately day 14, sending the general offer letter with the general product offer to the customer,

during the third time period extending from approximately day 40 to approximately day 50, sending the targeted offer letter with the targeted product offer to the customer; and

during the seventh time period extending between approximately day 50 to approximately day 70, receiving customer responses to a loyalty survey.

18 . The method of claim 14 , wherein the account is a business account, the method further comprising:

during a fourth time period after the first time period and before the third time period, receiving a first order from the customer; and

during a fifth time period after the fourth time period and before the third time period, sending the first order to the customer.

19 . The method of claim 18 , wherein:

during the first time period extending from approximately day 3 to approximately day 5 after the account is created, sending the thank you card and the account opening package to the customer;

during the fourth time period extending from approximately day 5 to approximately day 10 after the account is created, receiving the first order from the customer;

during the fifth time period extending from approximately day 7 to approximately day 15 after the account is created, sending the first order to the customer;

during the second time period extending from approximately day 10 to approximately day 14, sending the general offer letter with the general product offer to the customer, and

during the third time period extending from approximately day 40 to approximately day 50, sending the targeted offer letter with the targeted product offer to the customer.

20 . A system comprising:

at least one database containing client records, customer records, account records, and predetermined reason codes for opening an account, wherein each account record includes an account opening date and is associated with a customer record and a selected reason code from the predetermined reason codes, and each customer record is associated with a client record; and

a scheduling module adapted to communicate with the at least one database to retrieve the account opening date, the scheduling module adapted to trigger at least one module to send at least one communication and provide at least one product offer for a selected account record according to a predetermined schedule based on the account opening date,

wherein both the at least one communication and the at least one product offer are based at least in part on the selected reason code for opening the account, and the at least one product offer includes at least one offer for goods, at least one offer for services, or at least one offer for both goods and services.

21 . The system of claim 20 , wherein:

the at least one communication includes a personalized thank you card for the selected account, and a personalized welcome package based on the reason code associated with the account; and

the scheduling module is adapted to trigger at least one module to send the personalized thank you card according to the predetermined schedule and send the welcome package according to the predetermined schedule.

22 . The system of claim 20 , wherein the scheduling module is adapted to trigger at least one module to automatically enroll a customer record into a fraud recovery service according to the predetermined schedule.

23 . The system of claim 20 , wherein:

the at least one product offer includes a targeted product offer based on the selected reason code; and

the scheduling module is adapted to trigger at least one module to provide the targeted product offer with an order for the selected account according to the predetermined schedule.

24 . The system of claim 20 , wherein:

the at least one product offer includes a non-targeted product offer; and

the scheduling module is adapted to trigger at least one module to provide the non-targeted product offer according to the predetermined schedule.

25 . The system of claim 20 , wherein:

the at least one database includes a survey result associated with each account;

the at least one product offer includes a targeted product offer based on the selected reason code and the survey result associated with the selected account record; and

the scheduling module is adapted to trigger at least one module to provide the targeted product offer according to the predetermined schedule.

26 . The system of claim 20 , further comprising:

an order processing module adapted to cooperate with the at least one database and the schedule module to receive order information from the first database for the selected account record, request production of the order and provide order status information to the first database,

wherein the scheduling module is adapted to trigger the order processing module to request production of the order according to a predetermined schedule.

27 . The system of claim 20 , further comprising a survey module adapted to cooperate with the at least one database and the schedule module to request at least one survey for the selected account according to a predetermined schedule, receive the results of the at least one survey, and transfer the results of the at least one survey to the first database.

28 . The system of claim 27 , wherein the at least one survey includes a lead generation survey and a loyalty survey.

29 . The system of claim 20 , further comprising a lead generation module adapted to cooperate with the at least one database and the schedule module to receive at least one lead survey result for the selected account, to receive the reason code associated with the selected account and to generate at least one lead based on the at least one lead survey result for the selected account and the reason code associated with the selected account.

30 . The system of claim 20 , wherein a client associated with the client records is a financial institution.

31 . The system of claim 20 , wherein the account record is a personal checking account record.

32 . The system of claim 20 , wherein the account record is a business checking account record.

33 . A system, comprising:

means for receiving a reason for creating an account, wherein the reason code is one of a plurality of predetermined reasons;

means for sending a thank you card during a first time period after the account is created;

means for sending an account opening package to the customer using the reason for creating the account during the first time period;

means for sending a general offer letter with a general product offer to the customer during a second time period after the first time period;

means for determining a targeted product offer using the reason for creating the account; and

means for sending a targeted offer letter with a targeted product offer to the customer during a third time period after the second time period.

34 . The system of claim 33 , wherein the account is a personal account, the system further comprising means for enrolling the customer in a fraud recovery service during the first time period.

35 . The system of claim 34 , further comprising:

means for receiving a first order from the customer;

means for receiving customer responses to a lead generation survey;

means for determining a targeted product offer to be provided with the first order using the reason for creating the account;

means for sending the first order to the customer, and a targeted product offer to the customer with the first order; and

means for receiving customer responses to a loyalty survey.

36 . The system of claim 33 , wherein the account is a business account, the system further comprising:

means for receiving a first order from the customer; and

means for sending the first order to the customer.