Customized communication document creation system and method
DC CAFCFirst Claim
1. A method for automatically preparing customized communication documents for a plurality of consumer entities, the method comprising the steps of:
- using data from a first electronic data file containing financial product and/or financial service data for the customized communications, which financial product and/or financial service data includes a plurality of separate descriptions, characteristics and/or identifications for at least a first financial product and/or financial service;
using data from a second electronic data file containing customer information for at least certain of the plurality of consumer entities, said customer information including customer related data in addition to, but not excluding, any one or more of customer name, customer address and customer account information obtained for said certain of the plurality of consumer entities;
performing an automated composition process using a computing system configured to access said first data file and second data file to compose an electronic document file representing a customized communication document for at least one of said certain of the plurality of the consumer entities, said customized communication document comprising information relating to an offering for one or more financial products or services;
wherein at least some content included in said customized communication document is customized content generated by said computing system for said electronic document file which includes variable data specifically for a consumer entity automatically derived and/or calculated from said first electronic data file and/or said second electronic data file during said automated composition process for said electronic document file and said consumer entity;
delivering said customized communication documents based on said electronic document file to at least one of said certain of the plurality of consumer entities.
3 Assignments
Litigations
2 Petitions
Accused Products
Abstract
A personalized communication document pertaining to financial products or services is provided, including a method and system for preparing the same. The financial product and/or financial services are associated with a set of separate descriptions, characteristics and/or identifications, any one of which may be presented within a personalized content section of the personalized communication documents. The documents are generated automatically by a computing system such that different consumer entities can be provided with different personalized content for a particular product/service.
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Citations
123 Claims
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1. A method for automatically preparing customized communication documents for a plurality of consumer entities, the method comprising the steps of:
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using data from a first electronic data file containing financial product and/or financial service data for the customized communications, which financial product and/or financial service data includes a plurality of separate descriptions, characteristics and/or identifications for at least a first financial product and/or financial service; using data from a second electronic data file containing customer information for at least certain of the plurality of consumer entities, said customer information including customer related data in addition to, but not excluding, any one or more of customer name, customer address and customer account information obtained for said certain of the plurality of consumer entities; performing an automated composition process using a computing system configured to access said first data file and second data file to compose an electronic document file representing a customized communication document for at least one of said certain of the plurality of the consumer entities, said customized communication document comprising information relating to an offering for one or more financial products or services; wherein at least some content included in said customized communication document is customized content generated by said computing system for said electronic document file which includes variable data specifically for a consumer entity automatically derived and/or calculated from said first electronic data file and/or said second electronic data file during said automated composition process for said electronic document file and said consumer entity; delivering said customized communication documents based on said electronic document file to at least one of said certain of the plurality of consumer entities. - 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)
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37. A method for automatically preparing customized communications for a plurality of consumer entities, the method comprising the steps of:
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using data from a first electronic data file containing financial product and/or financial service data for the customized communications, which financial product and/or financial service data includes a plurality of separate descriptions, characteristics and/or identifications for at least a first financial product and/or financial service; using data from a second electronic data file containing customer information for at least certain of the plurality of consumer entities, said customer information including customer related data in addition to, but not excluding, any one or more of customer name, customer address and customer account information obtained for said certain of the plurality of consumer entities; performing an automated composition process using one or more computing systems configured to access said first electronic data file and second electronic data file to compose an electronic document file representing a customized communication for at least one of said certain of the plurality of the consumer entities; wherein said customized communication includes an identifying section adapted to present identifying content to identify a consumer entity, and a separate customized section adapted to present at least some customized content relating to an offering for said consumer entity of said first financial product and/or financial service; wherein at least some of said customized content included in said customized communication for said separate customized section is variable information that is determined for said consumer entity from said first electronic data file and said second electronic data file during creation of said electronic document file; delivering said customized communications to said at least one of said certain of the plurality of consumer entities based on said electronic document file. - View Dependent Claims (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, 72, 73, 74, 75, 76, 77, 78, 79)
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80. A method for automatically preparing specific communications with specific information data for a plurality of consumer entities, using a computing system and one or more associated databases, the method comprising the steps of:
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providing a first electronic data file in a first database containing financial product and/or financial service data for the specific communications, which financial product and/or financial service data includes a plurality of separate descriptions, characteristics and/or identifications for at least a first financial product and/or financial service; providing a second electronic data file in a second database containing customer information for at least certain of the plurality of consumer entities, said customer information including customer related data in addition to any one or more of customer name, customer address and customer account number data obtained for said certain of the plurality of consumer entities; using the computing system associated with said first database and second database to compose an electronic file representation of a specific communication for at least one of said certain of the plurality of consumer entities, said specific communication comprising information relating to an offering for one or more financial products or services being offered as part of a marketing campaign; wherein at least some content included in said specific communication is content generated by said computing system during an automated composition process for said electronic file based on said financial product and/or financial service data and/or said customer related data obtained from said first electronic data file and/or second electronic data file; and delivering said communications based on said electronic file to at least one of said certain of the plurality of consumer entities. - View Dependent Claims (81, 82, 83, 84, 85, 86)
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87. A system for preparing personalized communication documents for a plurality of consumer entities comprising:
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a computing system; one or more electronic databases coupled to the computing system; one or more software routines executing on the computing system which are adapted to; i) process data from a first electronic data file in said one or more electronic databases containing financial product and/or financial service data for the customized communications, which financial product and/or financial service data includes a plurality of separate descriptions, characteristics and/or identifications for at least a first financial product and/or financial service; ii) process data from a second electronic data file in said one or more electronic databases containing customer information for certain of the plurality of consumer entities, said customer information including customer related data in addition to, but not excluding, any one or more of customer name, customer address and customer account information obtained for said certain of the plurality of consumer entities; iii) perform an automated composition process to compose an electronic document file representing a customized communication document for at least one of said certain of the plurality of the consumer entities, said customized communication document comprising information relating to an offering for one or more financial products or services; wherein at least some content included in said customized communication document is customized content generated for said electronic file which includes variable data specifically for a consumer entity automatically derived and/or calculated from said first electronic data file and/or said second electronic data file during said automated composition process for said electronic file and said consumer entity. - View Dependent Claims (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)
(a) information obtained in the past from the consumer entity; (b) information purchased from a third party; (c) information obtained via an existing consumer entity relationship.
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112. The system of claim 87, wherein said customized content is determined for a consumer entity by a routine which analyzes personal data for each consumer entity and evaluates which of said plurality of descriptions, characteristics and/or identifications should be used in presenting said at least first financial product and/or financial service to such consumer entity.
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113. The system of claim 87, wherein said at least first financial product and/or financial service is selected from a plurality of separate financial products and/or financial services considered for each consumer entity.
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114. The system according to claim 87, wherein at least one customized communication document contains customized content that is adapted for two or more consumer entities identified for such customized communication document.
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115. The system of claim 87, further comprising:
- selecting a subset of consumer entities from a database of available consumer entities; and
generating customized communication documents for only said selected subset of consumer entities.
- selecting a subset of consumer entities from a database of available consumer entities; and
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116. The system of claim 87, wherein further comprising:
- determining one or more financial products or financial services to offer to said consumer entity.
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117. The system of claim 87, wherein customized communication documents are made available to consumer entities via at least one of (a)-(h):
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(a) combining at last some of said communications with hosts; (b) direct mail; (c) platform sales track format; (d) salespersons; (e) an Internet website; (f) email; (g) voice response technology; and (h) a print medium.
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118. A system according to claim 87, wherein customized content specific to each of the consumer entities includes data that is shared by two or more consumer entities.
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119. The system of claim 87, wherein all steps are controlled by a single automated process.
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120. The system of claim 87, wherein said customized communication document is delivered to said entity based on preference data provided by said entity.
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121. The system of claim 87, further including a step of:
generating successive customized communication documents for the plurality of consumer entities which can include different customized content with respect to at least said first financial product and/or financial service for different ones of said plurality of consumer entities.
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122. A system for preparing personalized communication documents for a plurality of consumer entities comprising:
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a computing system; one or more electronic databases coupled to the computing system; one or more software routines executing on the computing system which are adapted to; i) process a first electronic data file in a first database containing financial product and/or financial service data for the specific communications, which financial product and/or financial service data includes a plurality of separate descriptions, characteristics and/or identifications for at least a first financial product and/or financial service; ii) process a second electronic data file in a second database containing customer information for at least certain of the plurality of consumer entities, said customer information including customer related data in addition to any customer name, customer address and customer account number data obtained for said certain of the plurality of consumer entities; iii) cause said computing system to compose an electronic file representation of a specific communication for at least one of said certain of the plurality of the consumer entities, said specific communication comprising information relating to an offering for one or more financial products or services being offered as part of a marketing campaign; wherein at least some content included in said specific communication is content generated during an automated composition process for said electronic file based on said financial product and/or financial service data and/or said customer related data obtained from said first electronic data file and/or second electronic data file.
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123. A system for preparing personalized communication documents for a plurality of consumer entities comprising:
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a computing system; one or more electronic databases coupled to the computing system; one or more software routines executing on the computing system which are adapted to; i) process data from a first electronic data file in said one or more electronic databases containing financial product and/or financial service data for the customized communications, which financial product and/or financial service data includes a plurality of separate descriptions, characteristics and/or identifications for at least a first financial product and/or financial service; ii) process data from a second electronic data file in said one or more electronic databases containing customer information for certain of the plurality of consumer entities, said customer information including customer related data in addition to, but not excluding, any one or more of customer name, customer address and customer account information obtained for said certain of the plurality of consumer entities; iii) perform an automated composition process using said first electronic data file and second electronic data file to compose an electronic document file representing a customized communication for at least certain of the plurality of consumer entities; wherein said customized communication includes an identifying section adapted to present identifying content to identify a consumer entity, and a separate customized section adapted to present at least some customized content relating to an offering for said consumer entity of said first financial product and/or financial service; further wherein at least some of said customized content included in said customized communication for said separate customized section is variable information that is determined for said consumer entity from said first electronic data file and said second electronic data file during creation of said electronic document file.
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Specification