RELATIONSHIP MANAGEMENT SYSTEM AND PROCESS FOR PRICING FINANCIAL INSTRUMENTS BASED ON A CUSTOMER'S RELATIONSHIP WITH A FINANCIAL INSTITUTION

摘要

A system and process for use by a financial institution to facilitaterelationship pricing in connection with a single account (102) that includes aplurality of account components, including a checking component, a savingscomponent, and an investment component. The system (104) includes softwareengines operated on specially programmed general purpose computers. Theengines are sub-systems that generate input and drive another sub-system orthe product processors. The overall function of the engines is to, among otherthings, allow pricing to be determined based on a customer's total individualor household (100) relationship to the financial institution. The preferredsystem includes a rate engine, a pricing engine, a linkage engine, a balanceengine, and a cycle engine.