Mapping consumer ownership of financial assets to geographic localities and computer-implemented methods and computer systems thereof

Abstract

In some embodiments, the instant invention provides a programmed system that includes at least the following components: a computer programmed with software instructions that include: code to periodically receive financial data of a plurality of customers from a plurality of financial-related entities related to a plurality of financial assets, code to consolidate the financial data into a consolidated financial data; code to analyze the consolidated financial data with at least one address-matching program; code to associate each record of the consolidated financial data with a respective eleven digit postal code to result in an address-enriched consolidated financial data; code to anonymize the address-enriched consolidated financial data to form an anonymous address-enriched consolidated financial data; and code to link information of the anonymous address-enriched consolidated financial data across a plurality data relationship to form a consolidate household view for each respective eleven digit postal code.

1 . A computer system, comprising:
 at least one programmed computer, having a non-transient computer tangible readable medium having stored thereon software instructions executable by at least one processor of the computer, wherein the software instructions comprise:   code to periodically receive financial data from a plurality of financial-related entities related to a plurality of financial assets,   wherein the financial data comprises a plurality of the following data:
 i) financial assets data, wherein the financial assets data comprises at least the following data for each financial asset:
 1) a unique identifier that uniquely identifies such financial asset in a financial industry, 
 2) a record date of such financial asset, wherein the record date is a date on which owners of such financial asset to be identified, 
 3) an issuer name of such financial asset, and 
 4) a value or an amount of such financial asset that has been publicly distributed, 
 
 ii) customer financial data, wherein the customer financial data comprises at least one of the following data:
 1) customer account data of a plurality of customers of the plurality of financial-related entities, wherein the plurality of customers comprise at least one thousand customers who are one of individuals, corporate entities, or any combination thereof, 
 2) customer prospectus data of the plurality of customers of the plurality of financial-related entities, and 
 3) customer trade confirmation data of the plurality of customers of the plurality of financial-related entities, and 
 
 iii) financial asset ownership data from issuers of the plurality of financial assets; 
   code to consolidate the financial data from the plurality of financial-related entities into a consolidated financial data stored in at least one database file based on at least one standardized data format;   code to associate each record of the consolidated financial data with a respective eleven digit postal code to result in an address-enriched consolidated financial data;   code to receive credit demographic data and lifestyle data for each for at least the plurality of customers of the plurality of financial-related entities;   code to aggregate the credit demographic data and the lifestyle data with the address-enriched consolidated financial data for at least a portion of the plurality of customers of the plurality of financial-related entities;   code to anonymize, after the aggregation, the address-enriched consolidated financial data to form an anonymous address-enriched consolidated financial data; and   code to output the anonymous address-enriched consolidated financial data;   code to utilize the outputted portion of the anonymous address-enriched consolidated financial data to perform at least one of:
 i) predictive behavior modeling, based at least in part on geographic localities, for at least one financial asset, at least one financial product, at least one financial service or any combination thereof, 
 ii) designing at least one financial product, at least one financial service, or both, for at least one geographic locality, 
 iii) tailoring the at least one financial product, the at least one financial service, or both, to the at least one geographic locality, and 
 iv) determining an outcome of a sales effort regarding the at least one financial product, the at least one financial service, or both, in the at least one geographic locality. 
   
     
     
         2 . The system of  claim 1 , wherein the code further comprises:
 code to map ownership of each of the plurality of financial assets to at least one geographic location based on the consolidate household view of the anonymous address-enriched consolidated financial data for each respective eleven digit postal code.   
     
     
         3 . The system of  claim 1 , wherein the code to consolidate the financial data from the plurality of financial-related entities into the consolidated financial data further comprises:
 code to remove duplicate information.   
     
     
         4 . The system of  claim 1 ,
 wherein the unique identifier of an financial asset is CUSIP, and   wherein the code further comprises:   code to calculate a total number of shares held per each respective eleven digit postal code.   
     
     
         5 . The system of  claim 1 ,
 wherein the unique identifier of an financial asset is CUSIP, and   wherein the code further comprises:   for each financial-related entity, code to calculate a total number of shares held by a respective financial-related entity per each respective eleven digit postal code associated with the respective financial-related entity.   
     
     
         6 . The system of  claim 1 , the customer financial data comprises at least one of:
 i) a current customer financial data, and   ii) a historical customer financial data.   
     
     
         7 - 8 . (canceled) 
     
     
         9 . A computer-implemented method, comprising:
 periodically receiving, by a specifically programmed processing computer system, financial data from a plurality of financial-related entities related to a plurality of financial assets,   wherein the financial data comprises a plurality of the following data:
 i) financial assets data, wherein the financial assets data comprises at least the following data for each financial asset:
 1) a unique identifier that uniquely identifies such financial asset in a financial industry, 
 2) a record date of such financial asset, wherein the record date is a date on which owners of such financial asset to be identified, 
 3) an issuer name of such financial asset, and 
 4) a value or an amount of such financial asset that has been publicly distributed, 
 
 ii) customer financial data, wherein the customer financial data comprises at least one of the following data:
 1) customer account data of a plurality of customers of the plurality of financial-related entities, wherein the plurality of customers comprise at least one thousand customers who are one of individuals, corporate entities, or any combination thereof, 
 2) customer prospectus data of the plurality of customers of the plurality of financial-related entities, and 
 3) customer trade confirmation data of the plurality of customers of the plurality of financial-related entities, and 
 
 iii) financial asset ownership data from issuers of the plurality of financial assets; 
   consolidating, by the specifically programmed processing computer system, the financial data from the plurality of financial-related entities into a consolidated financial data stored in at least one database file based on at least one standardized data format;   associating, by the specifically programmed processing computer system, each record of the consolidated financial data with a respective eleven digit postal code to result in an address-enriched consolidated financial data;   receiving, by the specifically programmed processing computer system, credit demographic data and lifestyle data for each for at least the plurality of customers of the plurality of financial-related entities;   aggregating, by the specifically programmed processing computer system, the credit demographic data and the lifestyle data with the address-enriched consolidated financial data for at least a portion of the plurality of customers of the plurality of financial-related entities;   after the aggregating, anonymizing, by the specifically programmed processing computer system, the address-enriched consolidated financial data to form an anonymous address-enriched consolidated financial data; and   outputting, by the specifically programmed processing computer system, information of at least a portion of the anonymous address-enriched consolidated financial data   utilizing the outputted portion of the anonymous address-enriched consolidated financial data to perform at least one of:
 i) predictive behavior modeling, based at least in part on geographic localities, for at least one financial asset, at least one financial product, at least one financial service or any combination thereof, 
 ii) designing at least one financial product, at least one financial service, or both, for at least one geographic locality, 
 iii) tailoring the at least one financial product, the at least one financial service, or both, to the at least one geographic locality, and 
 iv) determining an outcome of a sales effort regarding the at least one financial product, the at least one financial service, or both, in the at least one geographic locality. 
   
     
     
         10 . The method of  claim 9 , wherein the method further comprises:
 mapping, by the specifically programmed processing computer system, ownership of each of the plurality of financial assets to at least one geographic location based on the consolidate household view of the anonymous address-enriched consolidated financial data for each respective eleven digit postal code.   
     
     
         11 . The method of  claim 9 , wherein the consolidating the financial data from the plurality of financial-related entities into the consolidated financial data further comprises:
 removing, by the specifically programmed processing computer system, duplicate information.   
     
     
         12 . The method of  claim 9 ,
 wherein the unique identifier of an financial asset is CUSIP, and   wherein the method further comprises:   calculating, by the specifically programmed processing computer system, a total number of shares held per each respective eleven digit postal code.   
     
     
         13 . The method of  claim 9 ,
 wherein the unique identifier of an financial asset is CUSIP, and   wherein the method further comprises:   for each financial-related entity, calculating, by the specifically programmed processing computer system, a total number of shares held by a respective financial-related entity per each respective eleven digit postal code associated with the respective financial-related entity.   
     
     
         14 . The method of  claim 9 , the customer financial data comprises at least one of:
 i) a current customer financial data, and   ii) a historical customer financial data.   
     
     
         15 - 16 . (canceled)