System and method for delivering a financial message

• US 7,685,036 B1
• Filed: 10/13/2000
• Issued: 03/23/2010
• Est. Priority Date: 10/13/2000
• Status: Active Grant

• Current Assignee: UBS Business Solutions AG (UBS Ag)
• Original Assignee: UBS Financial Services Incorporated (UBS Ag)
• Inventors: Hsu, Phillip Koh-Kwe, Carlos, Susan M.
• Primary Examiner(s): Patel, Jagdish N
• Assistant Examiner(s): HAMILTON, SARA CHANDLER
• Application Number:
  US09/687,892
• Time in Patent Office: 3,448 Days
• Field of Search: 705/1, 705 35- 45, 709/201, 709/204, 709/227, 709/223, 706/45, 379/219, 379/67.1, 707/1, 715/500, 715/700, 719/313, 719/328, 370/351
• US Class Current: 705/35
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Systems and a method for delivering a financial message. The system for delivering a financial message includes, inter alia, an intervention system configured to allow an internal user of the system to add or edit content of a message to a client user prior to delivery. Advantageously, financial advisors and other internal users have the ability to interact with a client user to provide proactive financial advice.

Claims

1. A computer system that delivers financial messages to individual clients comprising:

a processor and memory;

the memory storing a messaging system that further comprises a registration system module, a message creation system module and an intervention system module;

the processor executing the registration system module that registers in the memory user preferences that determine financial messages to deliver to individual clients;

the processor executing the message creation system module that automatically creates financial messages in accordance with the registered user preferences for the individual clients and delivers the automatically created financial messages to the individual clients after a predetermined delay;

the processor executing the intervention system module that, during the delay, generates a user interface through which to present at least one financial message from among the automatically generated financial messages, receives user commands input through the user interface to modify the at least one financial message, and modifies content of the at least one financial message according the user commands, resulting in a modified financial message that is delivered to the individual client by the processor executing the message creation system module.

2. The system of claim 1, wherein said intervention system module modifies the content of the at least one financial message by adding a touchpoint to the at least one financial message during the delay, the touchpoint being a personalized message to the individual client.

3. The system of claim 1, further comprising a financial adviser interface module stored in the memory, the processor executing the financial adviser interface module that presents the registered user preferences for the individual clients through a user interface, receives user commands input through the user interface, and modifies the registered user preferences of the individual clients according to the user commands.

4. The system of claim 3, wherein the user commands that modify the registered user preferences comprise at least one of editing the registered user preferences of the individual clients and designating additional user preferences to register for the individual clients.

5. The system of claim 1, wherein the registration system module comprises a registration interface module stored in the memory, the processor executing the registration interface module that presents a user interface through which the user preferences that determine the financial message to deliver to the individual clients are designated.

6. The system of claim 1, wherein the system is accessed by the individual clients from an online financial transaction forum.

7. The system of claim 1, further comprising a financial adviser interface module stored in the memory, the processor executing a financial advisor interface module that presents an advisor client user preference designation interface through which user preferences are designated for the individual clients, an advisor preference interface through which advisor message preferences are designated, and an advisor message inbox through which messages received from the individual clients and advisors are viewed.

8. The system as recited by claim 1, wherein the financial messages are delivered by electronic mail, facsimile, telephone, or wireless device.

9. A computer system that delivers financial messages to individual clients comprising:

a processor and memory;

the memory storing a messaging system that further comprises a message creation system module and an intervention system module;

the processor executing the message creation system module that automatically creates financial messages and delivers the automatically created financial messages to the individual clients after a predetermined delay;

the processor executing the intervention system module that, during the delay, generates a user interface through which to present at least one financial message from among the automatically generated financial messages, receives user commands input through the user interface to modify the at least one financial message, and modifies content of the at least one financial message according to the user commands, resulting in a modified financial message that is delivered to the individual client by the processor executing the message creation system module.

10. The system of claim 9, wherein said intervention system module modifies the content of the at least one financial message by adding a touchpoint to the at least one financial message during the delay, the touchpoint being a personalized message to the individual client.

11. The system of claim 9, further comprising a financial adviser interface module stored in the memory, the processor executing the financial adviser interface module that presents the registered user preferences for the individual clients through a user interface, receives user commands input through the user interface and modifies the registered user preferences of the individual clients according to the user commands, the user commands comprising at least one of editing the registered user preferences of the individual clients and designating additional user preferences to register for the individual clients.

12. A computerized method for delivering financial messages to individual clients comprising:

automatically creating financial messages by a computer for delivery to the individual clients;

delaying delivery of at least one of the financial messages to an individual client by the computer; and

during the delay, generating a user interface by the computer through which to present the at least one financial message from among the automatically generated financial messages;

receiving user commands by the computer input through the user interface to modify the at least one financial message; and

modifying content of the at least one financial message by the computer according to the user commands, resulting in a modified financial message; and

delivering the modified financial message by the computer to the individual client.

13. The method of claim 12, further comprising, during the delay, presenting the at least one financial message by the computer through the user interface to add a touchpoint to the at least one financial message, the touchpoint being a personalized message to the individual client.

14. The method of claim 12, further comprising:

presenting the registered user preferences for the individual clients by the computer through a user interface; and

receiving user commands by the computer input through the user interface;

modifying the registered user preferences for the individual clients by the computer according to the user commands.

15. The method of claim 14, wherein the user commands that modify the registered user preferences comprise at least one of editing the registered user preferences of the individual clients and designating additional user preferences to register for the individual clients.