System and method of enhancing leads

• US 8,214,262 B1
• Filed: 08/13/2010
• Issued: 07/03/2012
• Est. Priority Date: 12/04/2006
• Status: Active Grant

• Current Assignee: LMB Mortgage Services, Inc.
• Original Assignee: Lower My Bills, Inc.
• Inventors: Semprevivo, Stephen Principe, Wells, Matthew Robert
• Primary Examiner(s): Airapetian, Mila
• Application Number:
  US12/856,411
• Time in Patent Office: 690 Days
• Field of Search: 705/26.1
• US Class Current: 705/26.1
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0204 Market segmentation
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

A consumer lead enhancement system comprises a vendor criteria database, a web server, and a matching engine. The vendor criteria database is configured to store vendor criteria for receiving leads regarding consumers. The web server is configured to request from a consumer a first set of consumer characteristics and a second set of consumer characteristics. The matching engine is configured to compare the consumer characteristics with information in the vendor criteria database in order to match the consumer with one or more vendors so that the system is capable of generating a lead and transmitting the lead to the vendors. If the consumer provides the second set of consumer characteristics, the consumer may be matched to vendors based on the second set of consumer characteristics. Otherwise the consumer may be matched to vendors based on the first set of consumer characteristics.

Claims

1. A consumer lead enhancement system comprising:

a vendor criteria database configured to store vendor criteria for receiving leads regarding consumers;

a processor configured to request from a consumer a first set of consumer characteristics and a second set of consumer characteristics; and

a matching engine configured to compare the first set of consumer characteristics with information in the vendor criteria database in order to match the consumer with a first group of one or more vendors so that the system is capable of generating a lead and transmitting the lead to the first group of vendors, and, if the consumer provides the second set of consumer characteristics, to compare the second set of consumer characteristics with information in the vendor criteria database in order to match the consumer with a second group of one or more vendors so that the system is capable of generating a lead and transmitting the lead to the second group of vendors.

2. The system of claim 1, wherein the processor is configured to request the second set of consumer characteristics after the consumer provides the first set of consumer characteristics.

3. The system of claim 1, wherein the system is configured to obtain at least one additional consumer characteristic from an information provider and to include the additional consumer characteristic in the first set of consumer characteristics or the second set of consumer characteristics.

4. The system of claim 3, wherein the second set of consumer characteristics includes a consumer identification and the system is configured to obtain at least one additional consumer characteristic from an information provider at least in part by providing the consumer identification to the information provider.

5. The system of claim 4, wherein the consumer identification comprises a Social Security number.

6. The system of claim 4, wherein the additional consumer characteristic includes a credit score.

7. The system of claim 1, wherein the second set of consumer characteristics provides a more precise match of the consumer with vendors than does the first set of consumer characteristics alone.

8. A consumer lead enhancement method comprising:

retrieving computer-executable instructions from at least one tangible computer storage medium; and

executing the instructions on at least one computer processor, thereby causing computer hardware to perform operations comprising;

receiving a first set of consumer characteristics;

receiving a request for enhanced matching;

receiving a second set of consumer characteristics; and

matching a consumer with one or more vendors based at least in part on the second set of consumer characteristics.

9. The method of claim 8, wherein the operations further comprise transmitting a lead to at least one of the matched vendors.

10. The method of claim 8, wherein the operations further comprise receiving a selection of a subset of the matched vendors.

11. The method of claim 10, wherein the operations further comprise transmitting a lead to the selected subset of matched vendors.

12. A computer system comprising at least one computer processor and a computer-readable medium storing computer-executable instructions that are configured, when executed by the computer processor, to perform the operations of:

receiving a first set of consumer characteristics;

matching a consumer to one or more vendors based at least in part on the first set of consumer characteristics;

determining that the consumer declines to provide a second set of consumer characteristics;

transmitting a lead to at least one of the matched vendors, wherein the lead is generated at least in part by using the first set of consumer characteristics.

13. The computer system of claim 12, wherein the computer-executable instructions are further configured, when executed by a computer, to perform the operation of receiving a selection of a subset of the matched vendors, wherein the lead is transmitted to the selected subset of the matched vendors.

14. The computer system of claim 12, wherein determining that the consumer declines to provide a second set of consumer characteristics comprises receiving an indication from the consumer that the consumer declines to provide a second set of consumer characteristics.

15. The computer system of claim 12, wherein determining that the consumer declines to provide a second set of consumer characteristics comprises determining, based on an occurrence of a timeout, that the consumer declines to provide a second set of consumer characteristics.

16. A consumer lead enhancement system comprising:

at least one computer processor configured to execute computer-executable instructions;

means for using the computer processor for matching a consumer to one or more vendors based at least in part on the first set of consumer characteristics;

means for using the computer processor for determining whether a consumer has provided a second set of consumer characteristics; and

means for using the computer processor for matching a consumer to one or more vendors based at least in part on the second set of consumer characteristics, wherein the matching occurs if the consumer has provided the second set of consumer characteristics.

17. The system of claim 16, further comprising means for using the computer processor for transmitting a lead to at least one of the matched vendors, wherein the lead is generated at least in part based on the first set of consumer characteristics if the consumer has not provided the second set of consumer characteristics and is generated at least in part based on the second set of consumer characteristics if the consumer has provided the second set of consumer characteristics.

18. The system of claim 16, further comprising means for using the computer processor for receiving a selection of a subset of the matched vendors.

19. The system of claim 18, further comprising means for using the computer processor for transmitting a lead to the subset of matched vendors, wherein the lead is generated at least in part based on the first set of consumer characteristics if the consumer has not provided the second set of consumer characteristics and is generated at least in part based on the second set of consumer characteristics if the consumer has provided the second set of consumer characteristics.

20. The system of claim 17, wherein the lead is an enhanced lead having additional information not found in a standard lead when the lead is generated at least in part based on the second set of consumer characteristics.