System and method for automated generation of communications involving products or services

• US 8,175,934 B2
• Filed: 07/26/2011
• Issued: 05/08/2012
• Est. Priority Date: 06/10/1996
• Status: Expired due to Fees

• Current Assignee: RPX Corporation
• Original Assignee: Phoenix Licensing, LLC
• Inventors: Libman, Richard Marc
• Primary Examiner(s): Allen, Will
• Application Number:
  US13/191,437
• Publication Number:
  US 20110288933A1
• Time in Patent Office: 287 Days
• Field of Search: 705/4, 705/14.4, 705/14.49, 705/14.51, 705/14.55, 705 261- 272, 705 35- 37
• US Class Current: 705/26.7
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 10/107 Computer-aided management of electronic mailing [e-mailing]
• CPC Class Codes: G06Q 30/016 After-sales
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0241 Advertisements
• CPC Class Codes: G06Q 30/0247 Calculate past, present or future revenues
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0257 User requested
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 30/0276 Advertisement creation
• CPC Class Codes: G06Q 30/0277 Online advertisement
• CPC Class Codes: G06Q 30/0281 Customer communication at a business location, e.g. providing product or service information, consulting
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0631 Item recommendations
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A system for automatically preparing customized replies in response to communications from a plurality of clients. To facilitate automation and tracking, each original communication to the client (or each original response from the client) is tagged with a unique label, and replies to client responses are each correspondingly labeled. The system provides individualized replies to each of a variety of response options that a client might exercise in response to a received communication, whether an original communication or a reply to a previous response. The system is applicable to mass marketing communications, and is particularly well suited to the generation of personalized replies to each and every one of a multitude (tens of thousands and up to millions) of communications from clients. The system is also capable of continuing to generate replies to follow-up responses from clients and to thereby maintain an ongoing “conversation” until the client makes a purchase decision, or no longer responds. Communications may be delivered through a variety of means, such as the internet, the mails, by facsimile, on a host communication, etc.

Claims

1. A computer assisted method for automatically generating one or more client communications presenting an offering for one or more financial products or services specific to one or more clients, the client communications deliverable with a host vehicle, the host vehicle containing a primary communication to the one or more clients, the method comprising the steps of:

obtaining pertinent client data which is pertinent to one or more clients from a first incoming information data input using a processor, the first incoming information data input containing client information on a plurality of distinct clients;

obtaining pertinent product or service data which is pertinent to one or more clients from a second incoming information data input using the processor, the second incoming information data input containing product information for one or more financial products or services;

selecting, using the processor, a subset of pertinent information data from the first incoming information data input or the second incoming information data input specific to a particular client from the plurality of distinct clients;

generating by an output module in cooperation with the processor, at least one client communication containing the subset of pertinent information data as part of the client communication; and

adding, by the output module, the at least one client communication to the host vehicle for communication to the particular client.

2. The method of claim 1, wherein the client communication comprises an offer portion, a product/service information portion and a fulfillment portion, wherein the product/service information portion comprises information for assisting the particular client to make an informed decision regarding obtaining the one or more financial products or services, and wherein the fulfillment portion assists the client in obtaining the one or more financial products or services, or informs the client on how to obtain the one or more financial products or services.

3. The method of claim 1, wherein any one or more of the offer portion, the product/service information portion and the fulfillment portion include the subset of pertinent information data.

4. The method of claim 1, wherein the client data is pre-sorted.

5. The method of claim 1, wherein the product data is pre-sorted and associated with the client data.

6. The method of claim 1, wherein the subset of pertinent information data comprises client geographic information different from and in some instances in addition to client identification information.

7. The method of claim 1, further comprising the step of using an output preparing module to send the at least one client communication to the client electronically.

8. The method of claim 7, wherein the output preparing means is remote to the output module.

9. The method of claim 1, further comprising the step of using an output preparing module to automatically prepare successive client communications and host vehicles.

10. The method of claim 1, wherein the processor uses decision information.

11. The method of claim 1, further comprising the step of using an output preparing module to adjust at least one of a layout and a format of the at least one client communication depending on the pertinent variable information data specific to the particular user.

12. The method of claim 1, wherein the subset of pertinent variable information relates to the primary communication contained in the host vehicle.

13. The method of claim 1, wherein the selecting and generating steps are an automated process that executes without manual intervention during processing.

14. A method for automatically generating one or more client communications presenting an offering for one or more financial products or services specific to one or more clients, the client communications for delivery with a host vehicle, the host vehicle containing a primary communication to the one or more clients, comprising the steps of:

obtaining client data pertinent to a client from a first incoming information data input using a processor, the first incoming information data input containing client information on a plurality of distinct clients;

obtaining product or service data pertinent to a product or service from a second incoming information data input using the processor, the second incoming information data input containing product or service information for one or more financial products or services;

selecting, using the processor, a subset of data from the client data or the product or service data and calculating a set of pertinent variable information data specific to at least one particular client;

generating by an output module in cooperation with the processor, at least one client communication containing the set of pertinent variable information data as part of the client communication; and

adding in cooperation with the processor the at least one client communication to the host vehicle for communication to the particular client.

15. The method of claim 14, wherein the set of pertinent variable information relates to a primary communication contained in the host vehicle.

16. The method of claim 14, wherein the selecting and generating steps are an automated process that executes without manual intervention during processing.

17. A system for automatically generating one or more client communications presenting information about one or more financial products or services specific to one or more clients, the client communications for delivery with a host vehicle, the host vehicle containing a primary communication to the one or more clients, comprising:

an interface configured to obtain client data from a first incoming information data input, the first incoming information data input containing client information about a plurality of distinct clients, and to obtain product data from a second incoming information data input, the second incoming information data input containing product information for one or more financial products or services;

a processor coupled to the interface, the processor programmed to;

select a subset of information data from the first incoming information data input or the second incoming information data input specific to at least one particular client;

an output module coupled to the processor configured to output at least one client communication containing the subset of information data as part of the client communication and adding the at least one client communication to the host vehicle for communication to the particular client.

18. The system of claim 17, further comprising an output preparing system coupled to the output module for preparing and sending the combined at least one client communication and host vehicle.

19. The system of claim 18, wherein the output preparing system is remote to the output module.

20. The system of claim 17, further comprising a computing system configured to pre-sort the client data.

21. The system of claim 17, wherein the client data is pre-sorted.

22. The system of claim 17, further comprising a computing system for generating host information.

23. The system of claim 22, wherein the interface is further configured to obtain the host information for inclusion in the host vehicle.

24. The system of claim 22 wherein the output module is further configured to obtain the host information for inclusion in the host vehicle.