Solicitation to web marketing loop process

• US 7,650,304 B1
• Filed: 09/08/2000
• Issued: 01/19/2010
• Est. Priority Date: 09/08/2000
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Financial Corporation
• Inventors: Johnston, David, Abbott, Benjamin F., Grantham, Richard, Metsker, Steven
• Primary Examiner(s): Havan; Thu Thao
• Application Number:
  US09/658,186
• Time in Patent Office: 3,420 Days
• Field of Search: 705/27, 705/35, 705 37- 38, 705/14, 707/4
• US Class Current: 705/37
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

Methods and systems consistent with the present invention allow users with a universal resource locator and code to access a web site. Once the code is accepted, the user has the ability to view one or more offers which he can then accept or reject. If the user accepts an offer, his account can be automatically created or updated. Further, any information regarding the user'"'"'s viewing history can be saved. The user'"'"'s viewing history can then be analyzed to determine the effectiveness of the offer wherein the offer can be modified to entice users to accept more offers.

Claims

1. A method for providing solicitations and web-based offers and receiving corresponding responses thereto comprising:

providing a solicitation to a set of users sharing pre-selected characteristics, incorporating in the solicitation at least an offer code and a universal resource locator (URL) corresponding to a web site;

receiving a request to access the web site through the URL and receiving the offer code via the accessed web site;

providing, via the accessed web site, an offer for a service to at least one of the set of users, wherein the provided offer for a service corresponds to the received offer code;

receiving, via the accessed web site, a response to the offer for a service from the at least one of the set of users;

collecting information reflecting an access history of the at least one user in relation to the offer for a service;

modifying one or more financial terms of the offer for a service based on the collected information and the response; and

presenting the modified offer for a service to the at least one of the set of users.

2. The method of claim 1, wherein the offer code incorporated in the solicitation is entered by the at least one of the set of users at the web site.

3. The method of claim 1, wherein the solicitation is sent through electronic means.

4. The method of claim 1, wherein receiving a request further includes:

providing a customer identification number; and

using the customer identification number to verify the at least one of the set of users.

5. The method of claim 1, wherein the offer provides for adjusting existing customer account financial terms.

6. The method of claim 1, wherein the offer includes financial terms for at least one new customer.

7. The method of claim 1, further including:

adjusting a customer'"'"'s account financial terms based on the response.

8. The method of claim 1, further including:

creating a new customer account based on the response.

9. The method of claim 1, wherein modifying the offer includes:

analyzing the collected information; and

modifying the offer based on the analysis.

10. The method of claim 1, wherein a customer'"'"'s account is automatically updated based on the response.

48. The method of claim 1, further including:

providing the modified offer to at least one of the at least one user and at least one different user.

11. A method for accessing web-based offers comprising:

receiving a solicitation with at least an offer code and a universal resource locator (URL) corresponding to a web site;

accessing the web site through the URL;

providing the offer code via the accessed web site;

receiving, via the accessed web site, a set of offers for services based on the entered offer code;

providing a response to the received set of offers for services via the web site; and

receiving at least one modified offer via the web site, wherein the at least one modified offer is included in the set of offers for services and whose financial terms have been modified based on stored viewing history information reflecting the access history of the web site in relation to the set of offers for services and the response.

12. The method of claim 11, wherein the set of offers relate to cellular telephone services.

13. The method of claim 11, wherein the set of offers relate to financial services.

14. A method for providing web-based offers and receiving responses thereto comprising:

providing a web site that provides a prompt for an offer code, wherein the offer code is included in a solicitation;

receiving the offer code via the prompt;

displaying at least one offer for a service corresponding to the received offer code;

receiving a response to the at least one offer for a service;

collecting information reflecting a viewing history related to the at least one offer for a service;

modifying the financial terms of the at least one offer for a service based on the collected information and the response; and

presenting the at least one modified offer for a service to at least one user.

15. The method of claim 14, wherein the at least one offer relates to cellular telephone services.

16. The method of claim 14, wherein the at least one offer relates to financial services.

49. The method of claim 14, further including:

providing the at least one modified offer to at least one of the at least one user.

17. An apparatus for providing solicitations and web-based offers and receiving corresponding responses thereto comprising:

a providing module for providing a solicitation to a set of users sharing pre-selected characteristics, incorporating in the solicitation at least an offer code and a universal resource locator (URL) corresponding to a web site;

a receiving module for receiving a request to access the web site through the URL and receiving the offer code via the accessed web site;

a providing module for providing, via the accessed web site, an offer for a service to at least one of the set of users, wherein the provided offer for a service corresponds to the received offer code;

a receiving module for receiving, via the accessed web site, a response to the offer for a service from the at least one of the set of users;

a collecting module for collecting information reflecting an access history of the at least one of the set of users in relation to the offer for a service;

a modifying module for modifying one or more financial terms of the offer for a service based on the collected information and the response; and

presenting the modified offer for a service to the at least one of the set of users.

18. The apparatus of claim 17, wherein the offer code incorporated in the solicitation is entered by the at least one of the set of users at the web site.

19. The apparatus of claim 17, wherein the solicitation is sent through electronic means.

20. The apparatus of claim 17, wherein the receiving module for receiving the request further includes:

a providing module for providing a customer identification number; and

a using module for using the customer identification number to verify the at least one of the set of users.

21. The apparatus of claim 17, wherein the offer provides for adjusting existing customer account financial terms.

22. The apparatus of claim 17, wherein the offer includes financial terms for new customers.

23. The apparatus of claim 17, further including:

an adjusting module for adjusting a customer'"'"'s account financial terms based on the response.

24. The apparatus of claim 17, further including:

a creating module for creating a new customer account based on the response.

25. The apparatus of claim 17, wherein the modifying module further includes:

an analyzing module for analyzing the collected information; and

a modifying module for modifying the financial terms of the offer based on the analysis.

26. The apparatus of claim 17, wherein a customer'"'"'s account is automatically updated based on the response.

50. The apparatus of claim 17, further including:

a providing module for providing the modified offer to at least one of the at least one user and at least one different user.

27. An apparatus for accessing web-based offers comprising:

a receiving module for receiving a solicitation with at least an offer code and a universal resource locator (URL) corresponding to a web site;

an accessing module for accessing the web site through the URL and providing the offer code via the accessed web site;

a receiving module for receiving, via the accessed web site, a set of offers, wherein at least one offer is for a service and is based on the entered offer code;

a providing module for providing a response to the received at least one offer at the web site;

a receiving module for receiving at least one modified offer via the web site, wherein the at least one modified offer is included in the at least one offer and whose financial terms have been modified based on stored history information reflecting the access history of the web site in relation to the at least one offer and the response.

28. The apparatus of claim 27, wherein the at least one offer relates to cellular telephone services.

29. The apparatus of claim 27, wherein the at least one offer relates to financial services.

30. An apparatus for providing web-based offers and receiving responses thereto comprising:

a providing module for providing a web site that provides a prompt for an offer code, wherein the offer code is included in a solicitation;

a receiving module for receiving the offer code via the prompt;

a displaying module for displaying at least one offer for a service corresponding to the received offer code;

a receiving module for receiving a response to the at least one offer for a service;

a collecting module for collecting information reflecting an access history of the web site related to the at least one offer for a service;

a modifying module for modifying one or more financial terms of the at least one offer for a service based on the collected information and the response; and

a presenting module for presenting the at least one modified offer for a service to at least one user.

31. The apparatus of claim 30, wherein the at least one offer relates to cellular telephone services.

32. The apparatus of claim 30, wherein the at least one offer relates to financial services.

51. The apparatus of claim 30, further including:

a providing module for providing the modified offer.

33. A computer-readable medium containing instructions for providing solicitations and web-based offers and receiving corresponding responses thereto comprising:

providing a solicitation to a set of users sharing pre-selected characteristics, incorporating in the solicitation at least an offer code and a universal resource locator (URL) corresponding to a web site;

receiving a request to access the web site through the URL and receiving the offer code via the accessed web site;

providing, via the accessed web site, an offer for a service to at least one of the set of users, wherein the provided offer for a service corresponds to the received offer code;

receiving, via the accessed web site, a response to the offer for a service from the at least one of the set of users;

collecting information reflecting an access history of the at least one of the set of users in relation to the offer for a service;

modifying the financial terms of the offer for a service based on the collected information and the response; and

presenting the modified offer for a service to the at least one of the set of users.

34. The computer-readable medium of claim 33, wherein the offer code incorporated in the solicitation is entered by the at least one of the set of users at the web site.

35. The computer-readable medium of claim 33, wherein the solicitation is sent through electronic means.

36. The computer-readable medium of claim 33, wherein receiving the request further includes:

providing a customer identification number; and

using the customer identification number to verify the at least one of the set of users.

37. The computer-readable medium of claim 33, wherein the offer provides for adjusting existing customer account financial terms.

38. The computer-readable medium of claim 33, wherein the offer includes financial terms for new customers.

39. The computer-readable medium of claim 33, further including:

adjusting a customer'"'"'s account financial terms based on the response.

40. The computer-readable medium of claim 33, further including:

creating a new customer account based on the response.

41. The computer-readable medium of claim 33, wherein modifying the offer includes:

analyzing the history information; and

modifying the offer based on the analysis.

42. The computer-readable medium of claim 33, wherein a customer'"'"'s account is automatically updated based on the response.

52. The computer-readable medium of claim 33, further including:

providing the modified offer to at least one of the at least one of the set of users and at least one different user.

43. A computer-readable storage medium containing instructions for accessing web-based offers comprising:

receiving a solicitation with at least an offer code and a universal resource locator (URL) corresponding to a web site;

accessing the web site through the URL and entering the offer code via the accessed web site;

receiving, via the accessed web site, a set of offers for services based on the entered offer code;

providing a response to the received set of offers for services at the web page; and

receiving at least one modified offer via the web site, wherein the at least one modified offer is included in the set of offers for services and whose financial terms have been modified based on stored viewing history information reflecting a history of access to the web site in relation to the set of offers for services and the response.

44. The computer-readable medium of claim 43, wherein the set of offers relate to cellular telephone services.

45. The computer-readable medium of claim 43, wherein the set of offers relate to financial services.

46. A computer-readable medium containing instructions for providing web-based offers and receiving responses thereto comprising:

providing a web site that provides a prompt for an offer code, wherein the offer code is included in a solicitation;

receiving the offer code via the prompt;

displaying at least one offer for a service corresponding to the received offer code;

receiving a response to the at least one offer for a service;

collecting information reflecting an access history of the web site related to the at least one offer for a service;

modifying the financial terms of the at least one offer for a service based on the collected information and the response; and

presenting the at least one modified offer for a service to at least one user.

47. The computer-readable medium of claim 46, wherein the at least one offer relates to cellular telephone services.