Apparatus for preparing client communications involving financial products and services
First Claim
1. A computer-implemented method of automatically preparing a plurality of specific offerings of one or more financial products or financial services or both for specific entities, with use of a processor and one or more associated databases, the method comprising the steps of:
- automatically inputting into the one or more associated databases a plurality of client records without human intervention between input of the respective client records, the client records comprising client data on specific entities;
using the processor to consider said client data on said specific entities and financial product data relating to said one or more financial products or financial services and determine whether to offer a financial product or a financial service or both to the specific entities;
if the processor makes a determination to offer said financial product or said financial service or both to a specific entity, then the processor uses client-specific decision information to automatically select parts of variable information from at least two different databases with client data and financial product data to determine the variable information specific to each specific entity and select the parts of the variable information determined for inclusion in a specific communication formulated to express an offering for said determined financial product or service or both for said specific entity; and
using an output module associated with the processor and configured to use at least one automated process to automatically compose the variable information comprising the parts determined to create the communication for each said specific entity such that at least one portion within the communication accommodates the variable information, wherein said variable information for each specific entity comprises at least partially a customized identification, specification and/or promotion of said financial product or said financial service or both wherein said variable information for each specific entity has at least some data that is different and automatically generating each of the plurality of communications without human intervention between the generation of each communication for each specific entity.
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Accused Products
Abstract
A method and apparatus are provided for automatically preparing a client communication pertaining to a financial product for a client, wherein the client communication is for combined use with a corresponding host vehicle. The method comprises providing a format for the client communication wherein the communication format includes a variable portion; inputting into a computer-accessible storage medium variable information other than a client identification; inputting into the storage medium decision information; and using the decision information to select a subset of the variable information for inclusion in a variable portion of the client communication corresponding to the variable portion of the client communication format. The apparatus comprises an inputting device for inputting into a computer-accessible storage medium variable information comprising other than a client identification and decision information; a processor operatively coupled to the storage medium for using the decision information to automatically select a subset of the variable information for each of the clients; and an output preparing component in operative communication with the processor for preparing the client communications and for automatically inserting into the client communication the subset of variable information for the corresponding and respective client.
142 Citations
175 Claims
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1. A computer-implemented method of automatically preparing a plurality of specific offerings of one or more financial products or financial services or both for specific entities, with use of a processor and one or more associated databases, the method comprising the steps of:
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automatically inputting into the one or more associated databases a plurality of client records without human intervention between input of the respective client records, the client records comprising client data on specific entities; using the processor to consider said client data on said specific entities and financial product data relating to said one or more financial products or financial services and determine whether to offer a financial product or a financial service or both to the specific entities; if the processor makes a determination to offer said financial product or said financial service or both to a specific entity, then the processor uses client-specific decision information to automatically select parts of variable information from at least two different databases with client data and financial product data to determine the variable information specific to each specific entity and select the parts of the variable information determined for inclusion in a specific communication formulated to express an offering for said determined financial product or service or both for said specific entity; and using an output module associated with the processor and configured to use at least one automated process to automatically compose the variable information comprising the parts determined to create the communication for each said specific entity such that at least one portion within the communication accommodates the variable information, wherein said variable information for each specific entity comprises at least partially a customized identification, specification and/or promotion of said financial product or said financial service or both wherein said variable information for each specific entity has at least some data that is different and automatically generating each of the plurality of communications without human intervention between the generation of each communication for each specific entity. - 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, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 132, 134, 135, 136, 137, 138, 139, 140, 141, 142, 143, 144, 145)
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72. A system for automatically preparing a plurality of communication data offering one or more financial products or financial services or both, comprising a processor and one or more associated databases:
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means for automatically inputting into the one or more associated databases a plurality of client records without human intervention between input of the respective client records, the client records comprising client data on specific entities; first determining means within the processor for automatically determining whether to offer a financial product or a financial service or both to a specific entity based on consideration of client data on said specific entities and financial product data relating to said financial product or a financial service; second determining means within the processor for using client-specific decision information for automatically determining parts of data from at least two different databases comprising the client data and the financial product data to assemble variable information if it is determined to offer said financial product or said financial service or both to said specific entity, the second determining means selecting the variable information for inclusion in the communication data formulated to express an offering for said specific entity; means for automatically creating the communication data for said specific entity, including at least on data processing device associated with the processor and, the communication data including the variable information, including at least partially a identification, specification and/or promotion for said entity, and wherein said variable information for each specific entity has at least some data that is different; and means for automatically generating each of the plurality of communication data without human intervention between the generation of said communication data for each specific entity. - View Dependent Claims (73, 74, 76, 77, 78, 79, 80, 81, 82, 83, 84, 85, 86, 87, 88, 89, 90, 91, 92, 93, 94, 95, 96, 97, 98, 99, 100, 101, 102, 103, 104, 105, 106, 107, 108, 109, 110, 111, 112, 113, 114, 115, 116, 117, 118, 119, 120, 121, 122, 123, 124, 125, 126, 127, 128, 129, 130, 131, 133, 146, 147, 148, 149, 150, 151, 152, 153)
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75. The system of 73, wherein said one or more sources comprises at least one of:
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one or more non-resident databases; one or more sources accessible via modem; one or more sources accessible via the Internet; inbound telemarketing databases; and outbound telemarketing databases.
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154. A computer-implemented method of automatically preparing a plurality of communications offering data of one or more financial products or financial services or both, with use of a processing system and one or more associated databases, the method comprising the steps of:
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automatically inputting into the one or more associated databases, a plurality of client records without human intervention between input of the respective client records, the client records comprising client data on specific entities; determining with the processing system whether to create an offer of a financial product or a financial service or both to a specific entity, if it is determined to create an offer of said financial product or said financial service or both to said specific entity, then automatically determining, without human intervention, parts of variable information specific to each specific entity based on entity-specific decision information and taking the parts from different databases and composing the variable information as communications offering data created for said specific entity; and automatically generating without human intervention, using at least one automated process on at least one data processing device, data sufficient to produce a communication offering for said specific entity, the communication offering including at least one portion that accommodates the communication offering data comprising the variable information, the generating step including the step of designating placement of the variable information into said at least one portion of the communication offering, wherein the content of the communication offering includes the variable information wherein said variable information in said communication offering includes at least partially a identification, specification and/or promotion of said financial product or said financial service for said specific entity, wherein said variable information has at least one different component among different specific entities and wherein the different components are determined by each specific entity'"'"'s client information; and automatically generating each of the plurality of communication offerings without human intervention between generation of each communication offering for each specific entity. - View Dependent Claims (155, 156, 157, 158, 159, 160, 161, 162)
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163. A method of automatically preparing a plurality of communications offering one or more financial products or financial services or both, with use of a processing system with one or more associated databases, the method comprising the steps of:
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automatically inputting into the one or more associated databases, a plurality of client records without human intervention between input of the respective client records, the client records comprising client data on specific entities; determining with the processing system if a financial product or a financial service or both is suitable for an specific entity; determining select parts of variable information taken from different databases based on entity-specific decision information concerning an offer for a financial product or financial service or both for inclusion in a communication to said specific entity; generating a variable information offer with said select parts of the variable information using a first automated process, without human intervention; and automatically generating said communication comprising said variable information to create an offer for said specific entity using a second automated process, the communication having a communication format, wherein said communication format comprises at least one portion that accommodates the variable information, the generating step including incorporating the variable information into said at least one portion of the communication, wherein content of said communication for said variable information offer includes the variable information and includes at least partially a specific identification, specification and/or promotion of said financial product or said financial service or both for said entity; wherein said variable information may vary among said entities being offered any single financial product or said financial service or both determined to be suitable for each entity; and automatically generating each of the plurality of communications without human intervention between the generation of each communication for each entity. - View Dependent Claims (164, 165, 166, 167, 168, 169, 170)
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171. A method of automatically preparing communications offering one or more financial products or financial services or both, with use of a processing system and one or more associated databases, the method comprising the steps of:
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(1) using a first automated process to generate one or more electronic files identifying an entity set determined to be suitable for a financial product or a financial service or both, said entity set comprising a plurality of specific entities, (2) providing variable information for a financial product or financial service for inclusion in a communication to a specific entity; wherein said variable information consists of a plurality of predefined identifications, specifications, promotions and/or explanations of said financial product or financial service formulated to be specific to each specific entity, which can be included to create an offer to each specific entity; (3) generating a variable information offer for said specific entity using a second automated process without human intervention, said variable information offer including at least one of said plurality of predefined identifications, specifications, promotions and/or explanations of said financial product or financial service determined to be most appropriate for each said specific entity; wherein said variable information may vary among different specific entities being offered said financial product or said financial service or both; (4) automatically generating the communication comprising said variable information offer for said specific entity using the second automated process, the communication with at least one portion that accommodates the variable information, the generating step incorporating the variable information into said at least one portion of the communication, wherein content of said communication includes said identification, specification, promotions and/or explanation of said financial product or financial service or both determined to be most appropriate for each said specific entity; wherein at least one financial product or financial service or both is predetermined as being suitable for a variable information offer and is at least considered for offering to each entity in said entity set; automatically generating each of the plurality of communications without human intervention between the generation of each communication for each specific entity; and delivering each communication to the specific entity via the internet. - View Dependent Claims (172, 173, 174, 175)
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Specification