System and method for conducting an optimized customer identification program
First Claim
1. A computer-implemented method of compiling a customer information set that complies with regulatory criteria in the minimum number of sequenced questions, the method comprising:
- providing an overall question set having a plurality of questions;
determining from the overall question set a basic question set asked of all users, wherein each question of the basic question set is associated with an expected answer and wherein the basic question set comprises the minimum number of sequenced questions the answers to which would be sufficient to meet the regulatory criteria if no unexpected answers are given;
providing predetermined sequenced criteria for supplementing the basic question set with supplemental additional questions from the overall question set within the sequence of the basic question set, wherein the criteria are structured to minimize the number of remaining questions that must be answered in order to comply with the regulatory criteria;
conducting an optimized interactive customer survey, comprising;
presenting each question of the basic question set to a user;
receiving from the user an answer to each basic question;
determining if the received answer is the expected answer for the question asked;
upon a determination that the received answer is the expected answer, continuing in the basic question set sequence to the next question in the basic question set;
upon a determination that the received answer is not the expected answer, presenting supplemental additional questions based on the predetermined sequenced criteria for supplementing the basic question set and returning to the sequence of the basic question set once the user provides the expected answer to the supplemental additional questions;
repeating the preceding steps until all basic questions and required supplemental additional questions have been asked and answered; and
informing the customer of completion of the survey once the customer provides answers to the minimum number of questions needed to comply with the regulatory criteria;
wherein the preceding steps are implemented by a computer, comprising at least a computer processor.
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Accused Products
Abstract
A computer-implemented method of compiling a customer information set that complies with regulatory criteria is provided. The method comprises providing an overall question set having a plurality of questions and determining from the overall question set a basic question set, the basic question set including at least one basic question. The method further comprises associating an expected answer with at least one question of the basic question set and providing criteria for modifying the basic question set based on receiving an answer that differs from the expected answer. The method still further comprises optimizing an interactive customer survey with a customer using the overall question set, the basic question set, the expected answer and the criteria for modifying the basic question set.
326 Citations
38 Claims
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1. A computer-implemented method of compiling a customer information set that complies with regulatory criteria in the minimum number of sequenced questions, the method comprising:
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providing an overall question set having a plurality of questions; determining from the overall question set a basic question set asked of all users, wherein each question of the basic question set is associated with an expected answer and wherein the basic question set comprises the minimum number of sequenced questions the answers to which would be sufficient to meet the regulatory criteria if no unexpected answers are given; providing predetermined sequenced criteria for supplementing the basic question set with supplemental additional questions from the overall question set within the sequence of the basic question set, wherein the criteria are structured to minimize the number of remaining questions that must be answered in order to comply with the regulatory criteria; conducting an optimized interactive customer survey, comprising; presenting each question of the basic question set to a user; receiving from the user an answer to each basic question; determining if the received answer is the expected answer for the question asked; upon a determination that the received answer is the expected answer, continuing in the basic question set sequence to the next question in the basic question set; upon a determination that the received answer is not the expected answer, presenting supplemental additional questions based on the predetermined sequenced criteria for supplementing the basic question set and returning to the sequence of the basic question set once the user provides the expected answer to the supplemental additional questions; repeating the preceding steps until all basic questions and required supplemental additional questions have been asked and answered; and informing the customer of completion of the survey once the customer provides answers to the minimum number of questions needed to comply with the regulatory criteria; wherein the preceding steps are implemented by a computer, comprising at least a computer processor. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A computer-implemented method of compiling a customer information set that complies with regulatory criteria in the minimum number of sequenced questions, the method comprising:
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displaying to a user at least one question asked of all users having an associated single expected answer, the at least one question having been selected from an overall question set comprising all possible questions for which answers may be required in order to comply with the regulatory criteria, wherein the at least one question comprises the minimum number of sequenced questions the answers to which would be sufficient to meet the regulatory criteria if no unexpected answers are given; receiving an answer to a selected one of the at least one question, the answer being reflective of information relating to a customer; determining whether the answer differs from the single expected answer associated with the selected question; responsive to a determination that the answer differs from the single expected answer associated with the selected question, establishing an optimum question set of the at least one question and at least one supplemental question from the overall question set, the optimum question set having a minimum number of sequenced questions the answers to which would be sufficient to meet the regulatory criteria based on the answer to the selected question if no additional unexpected answers are given; displaying to the user at least one question from the optimum question set, wherein the at least one supplemental question is displayed to the user within the sequence of the at least one question; and wherein the preceding steps are implemented by a computer, comprising at least a computer processor. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27)
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28. A computer-implemented method of compiling a customer information set that complies with regulatory criteria in the minimum number of sequenced questions, the method comprising:
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displaying to a user at least one question asked of all users and having an associated single expected answer, the at least one question having been selected from an optimum subset of an overall question pool comprising all possible questions for which answers may be required in order to comply with the regulatory criteria, the optimum subset including only an optimized set of sequenced questions, wherein the optimized set of sequenced questions comprises the minimum number of questions the answers to which would be sufficient to meet the regulatory criteria if no unexpected answers are received; receiving an answer to a selected one of the at least one question, the answer providing information relating to a customer; adding the information to a customer information set for the customer; comparing the answer to the single expected answer associated with the selected question to determine if the answer is an unexpected answer; responsive to a determination that the answer is an unexpected answer, revising the optimum subset to include supplemental questions from the overall question pool, wherein the optimized set of sequenced questions and supplemental questions comprises the minimum number of questions the answers to which would be sufficient to meet the regulatory criteria if no further unexpected answers are received; displaying to the user at least one question from the revised optimum subset, wherein the supplemental questions are displayed to the user within the sequence of the optimum subset; and wherein the preceding steps are implemented by a computer, comprising at least a computer processor. - View Dependent Claims (29, 30, 31, 32, 33, 34, 35, 36, 37, 38)
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Specification