BIMODAL COMPUTER-BASED SYSTEM FOR SELLING FINANCIAL PRODUCTS
First Claim
1. Non-transitory computer-readable storage media encoded with a computer program including instructions executable by a processor to create an application comprising:
- a. a software module configured to provide a product web site, the web site operating in a self-service mode adapted for use by a consumer; and
a software module configured to provide the product web site, the web site operating in a collaboration mode, the collaboration mode comprising a sales overlay adapted for use by a sales representative together with the consumer, the sales overlay providing the sales representative with additional tools for selling the product to the consumer, the sales overlay activated by an interaction known only to the sales representative.
1 Assignment
0 Petitions
Accused Products
Abstract
Disclosed are computer-implemented systems and software comprising a software module configured to provide financial product education, research, and recommendation tools, the tools operating in a self-service mode adapted for use by a consumer; a software module configured to provide the financial product education, research, and recommendation tools, the tools operating in a collaboration mode, the collaboration mode comprising a sales overlay adapted for use by a sales representative; and a software module configured to generate a unique code for the consumer, the code providing persistence of state and data information between the self-service mode and the collaboration mode across locations and interfaces without authentication. Also disclosed are methods of making and using the same.
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Citations
30 Claims
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1. Non-transitory computer-readable storage media encoded with a computer program including instructions executable by a processor to create an application comprising:
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a. a software module configured to provide a product web site, the web site operating in a self-service mode adapted for use by a consumer; and a software module configured to provide the product web site, the web site operating in a collaboration mode, the collaboration mode comprising a sales overlay adapted for use by a sales representative together with the consumer, the sales overlay providing the sales representative with additional tools for selling the product to the consumer, the sales overlay activated by an interaction known only to the sales representative. - View Dependent Claims (2, 6, 7, 9, 10, 11, 12, 13)
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3. (canceled)
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4. (canceled)
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5. (canceled)
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8. (canceled)
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14. A computer-implemented system comprising:
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a. a digital processing device comprising an operating system configured to perform executable instructions and a memory device; b. a computer program including instructions executable by the digital processing device to create an application comprising; i. a software module configured to provide a product web site, the web site operating in a self-service mode adapted for use by a consumer; and a software module configured to provide the product web site, the web site operating in a collaboration mode, the collaboration mode comprising a sales overlay adapted for use by a sales representative together with the consumer, the sales overlay providing the sales representative with additional tools for selling the product to the consumer, the sales overlay activated by an interaction known only to the sales representative. - View Dependent Claims (15, 19, 20, 22, 23, 24, 25, 26)
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16. (canceled)
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17. (canceled)
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18. (canceled)
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21. (canceled)
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27. (canceled)
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28. (canceled)
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29. (canceled)
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30. Non-transitory computer-readable storage media encoded with a sales overlay, the sales overlay adding functionality to a bimodal consumer product web site, wherein the web site comprises a self-service mode adapted for use by a consumer and a collaboration mode adapted for use by a sales representative physically present with the consumer, the sales overlay adapted for use by a sales representative in the collaboration mode, the sales overlay providing the sales representative with additional tools for selling the product to the consumer, the sales overlay activated by an interaction known only to the sales representative.
Specification