System and method for automating financial document compliance
DC CAFCFirst Claim
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1. A method of preparing personalized communication documents for a plurality of clients, the method comprising:
- storing in one or more memories information concerning a set of financial product and/or financial services for the personalized communication documents;
executing operations via a processor programmed with software instructions to perform the steps of;
automatically determining variable compliance and/or regulatory information associated with said set of financial products and/or financial services to be offered to said plurality of clients;
automatically preparing a personalized communication document for each client, said personalized communication document comprising personalized content for said client relating to an offering for one or more financial products and/or services, wherein said personalized content includes said variable compliance and/or regulatory information associated with one or more jurisdictions;
automatically generating and without human intervention successive personalized communication documents that include different compliance and/or regulatory information based on the one or more financial product and/or financial service identified in the personalized communication documents and/or requirements of respective jurisdictions associated with recipients of such successive customized communication documents; and
sending each personalized communication document to a respective one of the plurality of clients.
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Abstract
An automated system determines appropriate compliance information for documents pertaining to financial products or services. The compliance information can vary on each document depending on the particular financial product and/or financial service, and based on both company and jurisdictional requirements.
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Citations
67 Claims
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1. A method of preparing personalized communication documents for a plurality of clients, the method comprising:
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storing in one or more memories information concerning a set of financial product and/or financial services for the personalized communication documents; executing operations via a processor programmed with software instructions to perform the steps of; automatically determining variable compliance and/or regulatory information associated with said set of financial products and/or financial services to be offered to said plurality of clients; automatically preparing a personalized communication document for each client, said personalized communication document comprising personalized content for said client relating to an offering for one or more financial products and/or services, wherein said personalized content includes said variable compliance and/or regulatory information associated with one or more jurisdictions; automatically generating and without human intervention successive personalized communication documents that include different compliance and/or regulatory information based on the one or more financial product and/or financial service identified in the personalized communication documents and/or requirements of respective jurisdictions associated with recipients of such successive customized communication documents; and sending each personalized communication document to a respective one of the plurality of clients. - 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)
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36. A method of preparing personalized communication documents for a plurality of clients which includes appropriate compliance and/or regulatory information, the method comprising:
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storing in one or more memories financial product and/or financial service content for the personalized communication documents, said financial product and/or financial service content includes a first set of separate descriptions, characteristics and/or identifications associated with a first set of compliance and/or regulatory requirements for at least a first financial product and/or financial service; executing operations via a processor programmed with software instructions to perform the steps of; automatically preparing a personalized communication document for each client, said personalized communication document including an identifying section adapted to present identifying content to identify said client, and a separate personalized compliance section adapted to present at least some personalized compliance content relating to an offering for said client of said first financial product and/or financial service, wherein said personalized compliance content presented for said offering includes at least one or more of said first set of separate descriptions, characteristics and/or identifications associated with said first set of compliance and/or regulatory requirements for said at least first financial product and/or financial service; and automatically generating successive personalized communication documents that include different personalized compliance content with respect to at least said first financial product and/or financial service for different clients. - View Dependent Claims (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)
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64. A method of preparing personalized compliance adapted communication documents for a plurality of clients, the method comprising:
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storing in one or more memories financial product and/or financial service content for the personalized communication documents, said financial product and/or financial service content includes a first set of descriptions, characteristics and/or identifications for a corresponding first set of compliance/regulatory requirements associated with at least a first financial product and/or financial service; executing operations via a processor programmed with software instructions to perform the steps of;
automatically preparing a personalized communication document for each client, said personalized communication document comprising both a general offer portion and a personalized offer portion including personalized compliance information derived from said first set of compliance and/or regulatory requirements, wherein said general offer portion includes general content communicated to each of the plurality of clients for said at least a first financial product and/or financial service, and further wherein said personalized offer portion includes personalized content for said client including at least one or more of said first set of separate descriptions, characteristics and/or identifications for a corresponding compliance and/or regulatory requirements associated with said at least first financial product and/or financial service presented in the offering; and(c) generating successive personalized communication documents for the plurality of clients that include different personalized content with respect to at least said first financial product and/or financial service for different ones of said plurality of clients.
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65. A method of preparing specific communications for a plurality of clients residing in a plurality of jurisdictions, by use of a computing system comprising a programmed processor and one or more associated databases with stored information, the method comprising the steps of:
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storing in one or more memories information concerning a set of financial product and/or financial services for the specific communications; automatically determining with the computing system specific compliance and/or regulatory information associated with said set of financial products and/or financial services to be offered to said plurality of clients in said plurality of jurisdictions from compliance and/or regulatory information stored in the memory; automatically preparing a specific communication for each client with the computing system, said specific communication comprising specific content for said client relating to an offering for one or more financial products or services in a jurisdiction associated with said client; wherein said specific content includes variable compliance information, such that said computing system generates automatically successive customized communications that include different compliance and/or regulatory information based on requirements of respective jurisdictions associated with recipients of such successive customized communication; and sending each customized communication to a respective one of the plurality of clients.
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66. A system for preparing personalized communication documents for a plurality of clients 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; a) provide information concerning a set of financial product and/or financial services for the personalized communication documents; b) automatically determine applicable variable compliance and/or regulatory information associated with said set of financial products and/or financial services to be offered to said plurality of clients; c) automatically prepare a personalized communication document for each client with a computing system, said personalized communication document comprising personalized content for said client relating to an offering for one or more financial products or services; wherein said personalized content includes said variable compliance and/or regulatory information associated with one or more jurisdictions, such that said computing system can generate automatically and without human intervention successive personalized communication documents which can include different compliance and/or regulatory information based on a financial product or financial service identified in the personalized communication document and/or requirements of respective jurisdictions associated with recipients of such successive personalized communication document.
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67. A system for preparing customized communications containing information data specific to a plurality of clients 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; (a) provide data for the customized communications to the one or more electronic databases, including financial product and/or financial service information; (b) provide variable compliance and/or regulatory information related to said at least first financial product and/or financial service; (c) automatically generate a customized communication for each client with a computing system containing information data specific to the client, said customized communication comprising customized specific content for said client relating to an offering for one or more financial products and/or financial services; wherein said personalized content includes variable compliance information associated with one or more jurisdictions, such that said computing system can generate automatically and without human intervention successive customized communications which can include different compliance and/or regulatory information based on a financial product or financial service identified in the personalized communication and requirements of respective jurisdictions associated with recipients of such successive customized communication.
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Specification