SYSTEM AND METHOD FOR AUTOMATED GENERATION OF COMMUNICATIONS INVOLVING PRODUCTS OR SERVICES
First Claim
1. A method for automatically preparing one or more client communications comprising one or more offerings to a client for at least one or more financial products or services or both, comprising the steps of:
- determining variable content data on said financial product or service or both; and
generating, in a computer-readable medium, an electronic document comprising one or more electronic pages, said electronic document comprising a primary communication serving as a host vehicle and at least one client communication, wherein said offering comprises said variable content data; and
wherein said determining step and said generating step are performed automatically within an automated process.
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Accused Products
Abstract
A system for automatically preparing customized replies in response to communications from a plurality of clients. To facilitate automation and tracking, each original communication to the client (or each original response from the client) is tagged with a unique label, and replies to client responses are each correspondingly labeled. The system provides individualized replies to each of a variety of response options that a client might exercise in response to a received communication, whether an original communication or a reply to a previous response. The system is applicable to mass marketing communications, and is particularly well suited to the generation of personalized replies to each and every one of a multitude (tens of thousands and up to millions) of communications from clients. The system is also capable of continuing to generate replies to follow-up responses from clients and to thereby maintain an ongoing “conversation” until the client makes a purchase decision, or no longer responds. Communications may be delivered through a variety of means, such as the internet, the mails, by facsimile, on a host communication, etc.
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Citations
317 Claims
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1. A method for automatically preparing one or more client communications comprising one or more offerings to a client for at least one or more financial products or services or both, comprising the steps of:
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determining variable content data on said financial product or service or both; and
generating, in a computer-readable medium, an electronic document comprising one or more electronic pages, said electronic document comprising a primary communication serving as a host vehicle and at least one client communication, wherein said offering comprises said variable content data; and
wherein said determining step and said generating step are performed automatically within an automated process. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 308)
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17. A method for automatically preparing a combined communication with collective data, said combined communication comprising a host portion with primary data for a primary purpose and a client communication portion with secondary data, the client communication portion presenting an offering for at least one or more financial products or services wherein the secondary data pertains to the offering and is contained in the client communication portion, said method comprising the steps of:
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determining variable content data for the offering for the at least one or more financial products or services and including the variable content data in the client communication portion; and
generating said combined communication as a single document including the host portion with the primary data and the client communication portion with the secondary data including the variable content data. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 66, 67, 68, 69, 70, 71, 72, 73, 74, 75, 76, 77, 78, 79, 80, 81, 82, 309)
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28. A method for automatically preparing a combined communication, said combined communication comprising a host communication and a client communication, said host communication comprising primary data for communication to a specific client, said method comprising the steps of:
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determining variable content for the client communication including at least some information required by compliance standards to offer a financial product or service for sale, at least a portion of the variable content different from the primary data on the host communication;
generating said client communication, said client communication including an offering for said financial product or service, said offering including said variable content; and
combining said host communication and said client communication to form said combined communication. - View Dependent Claims (29, 83, 84, 85, 86, 87, 88, 89, 90, 91, 92, 93, 94, 95, 96, 97, 98, 99, 100, 101, 310)
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30. A method for automatically preparing a combined communication using a computer system for one or more clients, said combined communication comprising a host and a client communication, said host pertaining to a first purpose of communication and said client communication offering one or more financial products or services, said method comprising the steps of:
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informing the computer system of one or more financial products or services for a particular client or selecting the one or more financial products or services for a particular client with a decision criteria executed by the computer system;
determining variable content specific to the offering for said financial products or services;
generating said client communication, said client communication including said offering for said financial product or service, said offering including said variable content; and
combining said host and said client communication to form said combined communication. - View Dependent Claims (102, 103, 104, 105, 106, 107, 108, 109, 110, 111, 311)
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31. A method for automatically preparing a combined communication with a computer system, said combined communication comprising a host with primary data for a primary purpose and a client communication with secondary data, the client communication pertaining to an offering of a plan or one or more financial products or services with the secondary data contained in the client communication, said method comprising the steps of:
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informing the computer system of one or more plans or financial products or services or selecting one or more plans or financial products or services applicable to the offering by use of a decision criteria executed by the computer system;
determining variable content data relating to the offering for said selected one or more plans or financial products or services;
generating said client communication, said client communication including said offering for said selected one or more plans applicable to said offering including said variable content data; and
combining said host and said client communication to form said combined communication. - View Dependent Claims (112, 113, 114, 115, 116, 117, 118, 119, 120, 312)
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32. A method for automatically preparing a combined communication, said combined communication comprising a host and a client communication, said host pertaining to a first reason for communication with a client, said method comprising the steps of:
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determining variable content pertaining to an offering for a financial product or service;
generating said client communication, said client communication including said offering for said financial product or service, said offering including said variable content, wherein said client communication comprises content sufficient to enable a customer to make an informed decision regarding said financial product or service; and
combining said host and said client communication to form said combined communication. - View Dependent Claims (33, 121, 122, 123, 124, 125, 313)
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34. A method of automatically preparing a communication offering a financial product or service to a client, said communication generated to be specific and appropriate for said client, the method comprising the steps of:
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automatically determining content for an offering to said client of said financial product or service based on at least one of (a) information relating to said client;
(b) information relating to said financial product or service; and
(c) information relating to said offering; and
automatically generating said communication, wherein said communication includes said content. - View Dependent Claims (35, 126, 127, 128, 129, 130, 131, 132, 133, 134, 135, 136, 137, 138, 139, 140, 141)
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142. A method using a computing system for automatically generating one or more client communications presenting an offering on one or more financial products or services specific to one or more clients, the client communications for delivery with a host vehicle containing a primary communication to the one or more clients, the method comprising the steps of:
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using one or more associated databases containing information data on a plurality of distinct clients or products or both clients and products or other data pertinent to the offer;
obtaining from the one or more databases, using decision criteria, certain variable data specific to a particular client;
inserting the certain variable data specific to the client into at least one client communication for the particular client; and
generating a single communication for the particular client, the single communication comprising the host vehicle containing the primary communication for the particular client and the at least one client communication for the particular client containing the certain variable data specific to the particular client. - View Dependent Claims (143, 144, 145, 146, 147, 148, 149, 150, 151, 152, 153, 154, 155, 156, 157, 158, 159, 160, 161, 162, 163, 164, 165, 166, 167, 168, 169, 170, 171, 172, 173, 174, 175, 176, 177, 178, 179, 180, 181, 182, 183, 184, 185, 186, 187, 188, 189, 190, 191, 192, 314)
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193. A system for automatically generating one or more client communications presenting an offering on one or more financial products or services specific to one or more clients, the client communications for delivery with a host vehicle containing a primary communication to the one or more clients, comprising:
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means for obtaining client information data from one or more associated databases containing client information data on a plurality of distinct clients;
processing means operatively coupled to the one or more associated databases for using certain decision criteria to automatically obtain a subset of pertinent variable information data specific to at least one particular client; and
output means for generating in cooperation with the processing means, at least one client communication with the subset of pertinent variable information data as part of the client communication, and for adding the at least one client communication to the host vehicle for delivery to the particular client. - View Dependent Claims (194, 195, 196, 197, 198, 199, 200, 201, 202, 203, 204, 205, 206, 207, 208, 209, 210, 211, 212, 213, 214, 215, 216, 217, 218, 219, 220, 221, 222, 223, 224, 225, 226, 227, 228, 229, 230, 231, 232, 233, 234, 235, 236, 237, 238, 239, 315)
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240. A method for using a computing system for automatically composing one or more client communications presenting an offering on one or more financial products or services specific to one or more clients, the client communications for delivery with a host vehicle containing a primary communication to the one or more clients, the method comprising the steps of:
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providing a format for generating the one or more client communications wherein the format includes a variable portion;
obtaining from a computer-accessible storage medium containing information data on a plurality of clients, certain variable information data specific to at least one client by using certain decision criteria;
using the computing system to execute the decision criteria and to insert the certain variable information data specific to the at least one client in the variable portion of the format; and
integrating the client communication generated with the host vehicle in a single document form for delivery to each specific client. - View Dependent Claims (241, 242, 243, 244, 245, 246, 247, 248, 249, 250, 251, 252, 253, 254, 255, 256, 257, 258, 259, 260, 261, 262, 316)
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263. A computer-based method for automatically generating one or more client communications on at least one financial product or service for delivery to one or more different clients with a host vehicle, the method comprising the steps of:
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using software to execute a decision criteria, to automatically obtain certain variable information data on at least one client from one or more associated databases containing information on a plurality of clients, wherein the certain variable information data is specific to a client and includes at least one or more of a plurality of separate pricings, descriptions, characteristics and identifications associated with the product or service;
automatically inserting the variable information data into at least one client communication to render the client communication specific to a particular client; and
combining the client communication generated with the certain variable information data with a corresponding primary communication directed to a particular client and serving as a host vehicle. - View Dependent Claims (264, 265, 266, 267, 268, 269, 270, 271, 272, 273, 274, 275, 276, 277, 278, 279, 280, 281, 282, 283, 284, 285, 286, 287, 288, 289, 290, 291, 292, 293, 294, 295, 296, 297, 317)
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298. A method for automatically preparing a client communication comprising an offering for one or more financial products or services for delivery to consumer entities comprising the steps of:
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determining variable content data for an offering for one or more financial products or services;
configuring and using a computing system to generate an electronic client communication and including the variable content data within the client communication, the client communication comprising one or more client communication sections;
configuring and using the computing system to generate an electronic host communication integrating the one or more client communication sections, wherein the one or more client communication sections include one or more electronic communication forms configured for responding to the one or more client communication sections;
delivering the electronic host communication via a first electronic network;
automatically generating and delivering via a second electronic network subsequent client communication sections after a specific consumer entity responds via the electronic communication form, wherein the subsequent client communication sections may include subsequent electronic communication forms configured for responding to one or more of the subsequent client communication sections. - View Dependent Claims (299, 300, 301, 302, 303, 304, 305, 306, 307)
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Specification