Systems and methods for merging communications
First Claim
1. In a relationship between an account holder and an account issuer, a computer system for consolidating a plurality of communications to the account holder, the computer system comprising:
- a processor; and
a computer readable storage medium in communication with the processor, the computer readable storage medium comprising instructions executable by the processor to;
provide a communication medium;
receive a first trigger configured to instruct the computer system that a first communication is available for transmission to the account holder;
in response to the first trigger, access a first communication component for transmission to the account holder, the first communication component comprising the first communication;
insert the first communication component into the communication medium;
receive a second trigger configured to instruct the computer system that an additional communication may be available for transmission to the account holder, the second trigger being independent of the first trigger; and
determine the suitability of the additional communication for inclusion in the communication medium.
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0 Petitions
Accused Products
Abstract
Embodiments of the invention provide systems and methods for merging and/or consolidating a plurality of communications. In some cases, the plurality of communications may be included in a single communication medium, which can be, merely by way of example, a postal mailing (e.g., a letter, etc.), an electronic message, a facsimile message, a short messaging service (SMS) message, a pager message, a web page, a telephone call to a recipient of the communications, a telephone call from a recipient of the communications, and/or the like. In some cases, one or more of the plurality of communications may relate to an account held by the recipient of the message with the sender of the message, while in other cases, certain of the plurality of communications may relate to one or more additional accounts with the sender. These additional accounts may be held by the recipient and/or by associates of the recipient, such as family members, employees, and/or the like.
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Citations
69 Claims
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1. In a relationship between an account holder and an account issuer, a computer system for consolidating a plurality of communications to the account holder, the computer system comprising:
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a processor; and
a computer readable storage medium in communication with the processor, the computer readable storage medium comprising instructions executable by the processor to;
provide a communication medium;
receive a first trigger configured to instruct the computer system that a first communication is available for transmission to the account holder;
in response to the first trigger, access a first communication component for transmission to the account holder, the first communication component comprising the first communication;
insert the first communication component into the communication medium;
receive a second trigger configured to instruct the computer system that an additional communication may be available for transmission to the account holder, the second trigger being independent of the first trigger; and
determine the suitability of the additional communication for inclusion in the communication medium.
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2. In a relationship between a sender and a recipient, a computer system for consolidating a plurality of communications to the recipient using a computer system, the computer system comprising:
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a processor; and
a computer readable storage medium in communication with the processor, the computer readable storage medium comprising instructions executable by the processor to;
provide a first communication that is available for transmission to the recipient;
determine whether the first communication should be transmitted to the recipient;
if the first communication should be transmitted to the recipient;
insert a first communication component into a communication medium, the first communication component comprising the first communication;
determine whether an additional communication is pending to be sent to the recipient, the additional communication being independent of the first communication;
if there is an additional communication pending, insert a second communication component into the communication medium, the second communication component comprising the additional communication; and
transmit the communication medium; and
if the first communication should not be transmitted to the recipient, add the first communication to a hold file for inclusion in a subsequent communication medium.
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3. In a relationship between a sender and a recipient, a computer system for consolidating a plurality of communications to the recipient, the system comprising:
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a communication store configured to store a plurality of communications for the recipient;
a rules engine in communication with the communication store, the rules engine being configured to determine whether any of the plurality of communications should be transmitted to the recipient at a particular time, and if any of the plurality of communications should be transmitted to the recipient, to select that communication for transmission;
a composition manager in communication with the rules engine and the communication store, the composition manager being configured to access the selected communication and insert a first communication component into a communication medium, the first communication component comprising the selected communication. - View Dependent Claims (4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. In a relationship between a sender and a recipient, a method of using a computer system to consolidate a plurality of communications to the recipient, the method comprising:
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providing a communication medium;
receiving a first trigger configured to instruct the computer system that a first communication is available for transmission to the recipient;
in response to the first trigger, accessing a first communication for transmission to the recipient;
inserting a first communication component into the communication medium, the first communication component comprising the first communication;
receiving a second trigger independent of the first trigger and configured to instruct the computer system that an additional communication may be available for transmission to the recipient, the additional communication being independent of the first communication; and
determining the suitability of the additional communication for inclusion in the communication medium. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 68)
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59. In a relationship between a sender and a recipient, a method of consolidating a plurality of communications to the recipient using a computer system, the method comprising:
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providing a first communication that is available for transmission to the recipient;
determining whether the first communication should be transmitted to the recipient;
if the first communication should be transmitted to the recipient;
inserting a first communication component into a communication medium, the first communication component comprising the first communication;
determining whether an additional communication is pending to be sent to the recipient;
if there is an additional communication pending, inserting a second communication component into the communication medium, the second communication component comprising the additional communication; and
transmitting the communication medium; and
if the first communication should not be transmitted to the recipient, adding the first communication to a hold file for inclusion in a subsequent communication medium. - View Dependent Claims (60, 61, 62, 63, 64, 65, 66, 67, 69)
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Specification