Automated system and method for customized and personalized presentation of products and services of a financial institution
First Claim
1. A method for presenting customized and personalized advice for a customer by a financial institution, comprising:
- analyzing information relating to the customer consisting at least in part of token data for the customer from a token database by an advice engine of the financial institution to identify at least one customer characteristic indicative of a type of advice preferable to the customer;
automatically generating at least one item of advice by the advice engine of the type indicated to be preferable to the customer;
analyzing information relating to the customer consisting at least in part of the token data for the customer by a presentation engine of the financial institution to identify at least one customer characteristic indicative of a preference of the customer for a manner in which to present the advice to the customer;
automatically presenting the generated item of advice to the customer by the presentation engine in the manner indicated to be preferable to the customer;
automatically assessing an effectiveness of the presented item of advice by a context assessment engine of the financial institution; and
automatically updating the token data with a result of the assessment by the context assessment engine.
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Accused Products
Abstract
An automated system and method for presenting both interactive and proactive customized and personalized advice for a customer by a financial institution is based on a sophisticated customer profile generated by the system according to an analysis of the customer from a totality of the customer'"'"'s interaction with the system. The system includes, for example, an advice engine, which is primarily software, that considers numerous sets of system logic, such as legal constraints and statistical facts that affect the customer, and generates the advice. The system also includes a presentation engine which varies the presentation, depending in part on the mode by which the customer accesses the system, but regardless of the mode, presents the advice to the customer in an individualized manner. Additionally, the system includes a context assessment engine, which examines the context of the interaction between the customer and the system and assesses the effectiveness of the advice.
739 Citations
44 Claims
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1. A method for presenting customized and personalized advice for a customer by a financial institution, comprising:
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analyzing information relating to the customer consisting at least in part of token data for the customer from a token database by an advice engine of the financial institution to identify at least one customer characteristic indicative of a type of advice preferable to the customer;
automatically generating at least one item of advice by the advice engine of the type indicated to be preferable to the customer;
analyzing information relating to the customer consisting at least in part of the token data for the customer by a presentation engine of the financial institution to identify at least one customer characteristic indicative of a preference of the customer for a manner in which to present the advice to the customer;
automatically presenting the generated item of advice to the customer by the presentation engine in the manner indicated to be preferable to the customer;
automatically assessing an effectiveness of the presented item of advice by a context assessment engine of the financial institution; and
automatically updating the token data with a result of the assessment by the context assessment engine. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 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)
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44. A system for presenting customized and personalized advice for a customer by a financial institution, comprising:
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an advice engine for analyzing information relating to the customer consisting at least in part of token data for the customer from a token database to identify at least one customer characteristic indicative of a type of advice preferable to the customer and for automatically generating at least one item of advice of the type indicated to be preferable to the customer;
a presentation engine coupled to the advice engine for analyzing information relating to the customer consisting at least in part of the token data for the customer to identify at least one customer characteristic indicative of a preference of the customer for a manner in which to present the advice to the customer and for presenting the generated item of advice to the customer in the manner indicated to be preferable to the customer; and
a context engine coupled to at least one of the advice engine and the presentation engine for automatically assessing an effectiveness of the presented advice and for automatically updating a token structure of the financial institution with a result of the assessment.
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Specification