Methods and apparatus for presenting offers to qualified consumers

• US 7,895,073 B2
• Filed: 05/02/2007
• Issued: 02/22/2011
• Est. Priority Date: 10/24/2001
• Status: Expired due to Fees

• Current Assignee: Genworth Mortgage Holdings LLC (Genworth Financial Incorporated)
• Original Assignee: Genworth Mortgage Holdings LLC (Genworth Financial Incorporated)
• Inventors: McLennan, Deborah Kay, Noble, Robert Peter, Antonello, Christopher, Curtis, Julia Wallace, Brimhall, Kevin James
• Primary Examiner(s): Vig; Naresh
• Application Number:
  US11/743,334
• Publication Number:
  US 20070214047A1
• Time in Patent Office: 1,392 Days
• Field of Search: 705/14, 705/1, 705/14.36, 705/14.66, 705/1.1
• US Class Current: 705/14.36
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0217 involving input on products or services in exchange for incentives or rewards
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

A system which allows identification of a consumer as belonging to a designated category and makes special offers available to consumers who are members of the designated category is described. The system comprises a database of offers accessible through connection by consumer operated computers upon authentication of consumer registration, an offer presentation module for controlling access to the database of offers and a consumer registration module allowing registration of a consumer for access to the database of offers. The consumer registration module allows registration of a consumer upon submission of identifying information provided to the consumer by a party who has identified the consumer as belonging to a designated category and used to identify the consumer as belonging to the designated category.

Claims

1. An offer presentation system for allowing access to offers by consumers belonging to a designated category a large portion of which are true relocating consumers and allowing access to offers by the consumers comprising:

means for identifying consumers as belonging to the designated category;

a database of offers accessible through connection by consumer operated computers upon authentication of consumer registration;

a consumer registration module allowing registration of a consumer for access to the offer presentation module, the consumer registration module allowing registration of a consumer , if the consumer has been identified by the means for identifying as belonging to the designated category, upon submission of identifying information provided to the consumer by a party who has verified the consumer'"'"'s membership in the designated category and used to identify the consumer as belonging to the designated category; and

an offer presentation module for managing access to the database of offers by the consumer based upon the identifier associated with the consumer.

2. The system of claim 1, wherein one or more offers is accessible only if a predetermined condition has been met.

3. The system of claim 1 wherein activating a hypertext link for an offer causes the transmission of identifying information for the consumer, a consumer username for the consumer and consumer personal information for the consumer to a server hosting the offer.

4. The system of claim 3 wherein the consumer username and personal information is examined to determine if the consumer meets any predetermined conditions established for access to the offer.

5. The system of claim 4 wherein the server hosting the offer stores the consumer personal information for use in future marketing efforts.

6. The system of claim 5 wherein the server determines which offers are available to the consumer depending on the identifying information associated with the consumer username.

7. The system of claim 6 wherein the identifying information is an access code provided to the consumer by a lender when the consumer has applied for home financing with the lender.

8. The system of claim 6 wherein the identifying information is an access code provided to the consumer by a lender when the lender has judged that the consumer is a serious prospect to apply for home financing with the lender.

9. The system of claim 1 wherein at least some of the offers in the database of offers comprise offers for services related to relocation or goods and services related to taking up a new residence.

17. The system of claim 1 wherein the designated category comprises consumers that have applied for home financing.

18. The system of claim 17 wherein the means for identifying identifies access codes provided to consumers that have applied for home financing.

19. The system of claim 1 wherein the designated category comprises consumers that have applied for home financing or which have been judged as serious prospects to apply for home financing.

20. The system of claim 17 wherein the database of offers includes offers available to all consumers and special offers available only to consumers identified as belonging to the designated category.

10. A method for presenting offers to consumers belonging to a designated category a large portion of which are true relocating consumers and allowing access to offers by the consumers comprising steps of:

identifying a consumer as belonging to the designated category;

providing the consumer with an identifier upon verification of the consumer'"'"'s membership in the designated category by a party providing the identifier;

electronically receiving the identifier when presented by the consumer;

authenticating the identifier;

upon authentication of the identifier, allowing the consumer to register his identity; and

upon completion of registration, allowing the consumer access to a selection of offers based upon the identifier associated with the consumer.

11. The method of claim 10 wherein the step of receiving the identifier includes establishing a connection to a consumer computer upon a request by the consumer, presenting an initial login form for display on the consumer computer, the form including one or more fields for input of the identifier by the consumer, and receiving submission of the identifying information.

12. The method of claim 11 wherein the step of allowing the consumer to register his or her identity includes presenting a registration form for display on the consumer computer, the form including one or more fields for entry by the consumer of registration information including a consumer username and password selected by the consumer as well as for consumer personal information, receiving submission of the consumer username, password and consumer personal information and storing the consumer username, password and personal information in association with the identifier.

13. The method of claim 12 wherein the connection to the consumer computer is established over the Internet.

14. The method of claim 13 wherein the initial login form is a web page including a hypertext link for submission of the identifying information and the registration form is a web pages including a hypertext link for submission of the registration information.

15. The method of claim 14 and wherein the step of registering the identity of the consumer is followed by the step of presenting a login form to the consumer, the login form including one or more hyperlinks which can be activated by the consumer in order to gain access to offers.

16. The method of claim 15 wherein the step of allowing the consumer access to the selection of offers includes presenting a selection of offer descriptions to the consumer, each offer description being accompanied by a hyperlink which can be activated by the consumer in order to retrieve additional information and offer materials.