System, method, and computer program product for selecting and presenting financial products and services
DCFirst Claim
1. A method of facilitating production of a set of offer communications containing different plan information for different persons, the method comprising:
- with a computer system, automatically;
(a) generating plan information for each person of a set of persons, wherein;
(i) the plan information generated for some of the persons concerns different plan features than plan information generated for other of the persons, and(ii) the generating in part (a) uses data stored in computer-accessible storage, the data including (A) feature-related data related to the plan features, and (B) decision criteria specifying how to incorporate appropriate plan features within the plan information based at least in part on personal data related to the persons of the set of persons; and
(b) generating electronic communication data defining a set of human-readable communications, the communications being separately directed to the persons and containing respective offers, wherein;
(i) the electronic communication data is formatted to allow automatic production of the communications of the set of communications via an output device,(ii) the respective offers contain the respective plan information, wherein the plan information is common to some of the respective offers within the set of human-readable communications,(iii) the plan information for some of the communications is different than for others of the communications, and(iv) the plan information contains the respective plan features generated in part (a) for the respective persons.
3 Assignments
Litigations
1 Petition
Accused Products
Abstract
An apparatus and method are provided that receive client data for a plurality of clients and financial product data at a processor. The processor prepares a client communication for some of the clients. The client communication incorporates a portion of the client data and a portion of the financial product data. The financial product data for each client is based on the client data. Moreover, the financial product data constitutes the financial product offered in the client communication. decision criteria pertaining to selection from among the financial products, The method also includes storing the client information, the financial products information, the ancillary information, and the decision criteria. This method further includes using the client information, the financial products information, the ancillary information, and the decision criteria to select a subset of the financial products. It further includes preparing a client communication which identifies the subset of the financial products, This client communication preparing step includes incorporating a portion of the client information and a portion of the financial products information into the client communication.
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Citations
32 Claims
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1. A method of facilitating production of a set of offer communications containing different plan information for different persons, the method comprising:
with a computer system, automatically; (a) generating plan information for each person of a set of persons, wherein; (i) the plan information generated for some of the persons concerns different plan features than plan information generated for other of the persons, and (ii) the generating in part (a) uses data stored in computer-accessible storage, the data including (A) feature-related data related to the plan features, and (B) decision criteria specifying how to incorporate appropriate plan features within the plan information based at least in part on personal data related to the persons of the set of persons; and (b) generating electronic communication data defining a set of human-readable communications, the communications being separately directed to the persons and containing respective offers, wherein; (i) the electronic communication data is formatted to allow automatic production of the communications of the set of communications via an output device, (ii) the respective offers contain the respective plan information, wherein the plan information is common to some of the respective offers within the set of human-readable communications, (iii) the plan information for some of the communications is different than for others of the communications, and (iv) the plan information contains the respective plan features generated in part (a) for the respective persons. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. An apparatus facilitating production of a set of offer communications containing different plan information for different persons of a set of persons, the apparatus comprising:
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a computer system comprising; (a) a computer-accessible storage containing data including; (i) feature-related data related to a plurality of plan features, and (ii) decision criteria specifying how to incorporate appropriate plan features within the plan information based at least in part on personal data related to the persons of the set of persons; and (b) a computer having at least one module programmed to automatically; (i) generate plan information for each person of a set of persons, wherein; (A) the plan information generated for some of the persons concerns different plan features than plan information generated for other plans of the persons, and (B) the module programmed to generate plan information is programmed to use the feature-related data and the decision criteria stored in the computer-accessible storage; and (ii) generate electronic communication data defining a set of human-readable communications, the communications being separately directed to the persons and containing respective offers, wherein; (A) the electronic communication data is formatted to allow automatic production of the communications of the set of communications via an output device, (B) the respective offers contain the respective plan information, wherein the plan information is common to some of the respective offers within the set of human-readable communications, (C) the plan information for some of the communications is different than for others of the communications, and (D) the plan information contains the respective plan features generated by the computer for the respective persons. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32)
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Specification