Systems and methods for participant controlled communications regarding financial accounts
First Claim
Patent Images
1. A system for implementing consumer based communication rules in relation to a financial account, the system comprising:
- a microprocessor based rule engine; and
a computer readable medium, wherein the computer readable medium includes instructions executable by the microprocessor based rule engine to;
receive a trigger, wherein the trigger indicates a correspondence associated with the financial account;
receive a communication rule from a consumer participant associated with the financial account;
incorporate the communication rule into a communication rule set maintained on the computer readable medium;
access information associated with the financial account;
apply the communication rule set to the information associated with the financial account, wherein a content of the correspondence is based at least in part on the application of the communication rule set.
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Abstract
Systems and methods for directing communications related to financial accounts. Some embodiments include systems that access account information maintained in relation to an account group. One or more communication rules are received from a user, applied to the account information, and communications are formed based on the application of the communication rules. Various methods provide for receiving communication rules, and applying the communication rules to account information to provide one or more communication outputs.
151 Citations
27 Claims
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1. A system for implementing consumer based communication rules in relation to a financial account, the system comprising:
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a microprocessor based rule engine; and a computer readable medium, wherein the computer readable medium includes instructions executable by the microprocessor based rule engine to; receive a trigger, wherein the trigger indicates a correspondence associated with the financial account; receive a communication rule from a consumer participant associated with the financial account; incorporate the communication rule into a communication rule set maintained on the computer readable medium; access information associated with the financial account; apply the communication rule set to the information associated with the financial account, wherein a content of the correspondence is based at least in part on the application of the communication rule set. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A computer-implemented method for implementing consumer based communication rules in relation to a financial account, the method comprising:
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receiving, at a microprocessor based rule engine, an indication of a financial account, wherein the indication identifies a consumer participant associated with the financial account; providing, by the microprocessor based rule engine, a communication rules interface to the consumer participant over a communication network; receiving, at the microprocessor based rule engine, a communication rule via the communication rules interface; receiving, at the microprocessor based rule engine, a trigger, wherein the trigger indicates a correspondence associated with the financial account; accessing, by the microprocessor based rule engine, information associated with the financial account; and applying, by the microprocessor based rule engine, the communication rule to the information associated with the financial account, wherein a content of the correspondence is based at least in part on the application of the communication rule. - View Dependent Claims (13, 14, 15)
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16. A computer-implemented method for implementing consumer based communication rules in relation to an account group, the method comprising:
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receiving, at a microprocessor based rule engine, an indication of an account group, wherein the indication identifies a member of the account group, and wherein the account group includes at least a first financial account and a second financial account; providing, by the microprocessor based rule engine, a communication rules interface to the member over a communication network; receiving, at the microprocessor based rule engine, a communication rule via the communication rules interface; accessing, by the microprocessor based rule engine, information associated with the account group; and applying, by the microprocessor based rule engine, the communication rule to the information associated with the account group. - View Dependent Claims (17, 18, 19, 20, 21, 22)
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23. A computer-implemented method, comprising:
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receiving, by a microprocessor based rule engine at a financial institution at which a consumer maintains an account, an indication from the consumer that a communication, from the financial institution and regarding the account, is to include content selected by the consumer; receiving, from the consumer by the microprocessor based rule engine at the financial institution, an indication of what the consumer-selected content is to be; including, by the microprocessor based rule engine, the consumer-selected content in the communication; and sending, by the microprocessor based rule engine, the communication. - View Dependent Claims (24, 25, 26, 27)
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Specification