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

• US 8,719,114 B2
• Filed: 07/27/2012
• Issued: 05/06/2014
• 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, WILLIAM J
• Application Number:
  US13/560,123
• Publication Number:
  US 20120296748A1
• Time in Patent Office: 648 Days
• Field of Search: 705/4, 705 261- 272, 705/35, 705/36.R
• 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

Methods and systems for preparing combined communications having a plurality of client communication sections is presented. Initial interest in a product or service offer is received from a client at a computer system. The computer system generates a communications that combine host information and one or more client communication sections, wherein the client communication sections contain a second offer for the product or service.

Claims

1. A method for preparing combined communications comprising a plurality of client communication sections, the method comprising the steps of:

receiving at a computer system comprising a processor, via an electronic network, client information data, the client information data indicating interest in a first offer for a financial product or service;

automatically generating, using the computer system, offer data responsive to the interest in the first offer, the offer data for inclusion in at least one of a plurality of sections of a client communication;

automatically generating, using the computer system, a first electronic combined communication, the first electronic combined communication comprising a host communication and at least one of the sections of the client communication;

outputting, using the computer system, the first electronic combined communication to the electronic network for delivery to the client; and

automatically generating and outputting, using the computer system, one or more additional electronic combined communications responsive to additional client information data received at the computer system indicating continued interest in the first offer for the financial product or service, each additional electronic combined communication comprising an additional host communication and at least one section of the client communication,

wherein at least one of the sections of the client communication contains variable content data for a second offer for the financial product or service specific to the client.

2. The method of claim 1, wherein at least one section of the client communication includes an option to apply for the financial product or service.

3. The method of claim 1, wherein one or more sections of the client communication constitute an application for the financial product or service described in the second offer.

4. The method of claim 1, wherein the combined communication is an electronic mail.

5. The method of claim 1, wherein any section of the client communication is an electronic form configured for responding to the first offer.

6. The method of claim 1, wherein any section of the client communication is an electronic form configured for responding to the second offer.

7. The method of claim 1, wherein the variable content data is variable financial product data.

8. The method of claim 1, wherein the variable content data is variable client information data.

9. The method of claim 1, wherein the computer system comprises a specially programmed processor having decision information, the decision information comprising conditions and instructions for selection of the variable content data from a non-transitory computer storage medium coupled to the processor.

10. The method of claim 1, wherein the first offer is presented to the client on a display accessible via the internet.

11. The method of claim 1, wherein the first electronic combined communication and the additional electronic combined communications are output for display that is accessible via the internet.

12. The method of claim 10, wherein the first offer is presented within a display advertisement.

13. A system for preparing combined communications comprising a plurality of client communication sections, the system comprising:

a non-transitory computer storage medium comprising content data;

a processor coupled to the non-transitory computer storage medium and the electronic network, the processor programmed to;

receive a first client information data and a second client information data from a remote terminal responsive to a first offer for a financial product or service;

select content data according to decision information, the decision information comprising conditions and instructions for selection of the content data specific and responsive to the first client information data and the second client information data;

generate at least one of a plurality of sections of a client communication;

generate an electronic combined communication, the combined communication comprising a host communication and at least one of the sections of the client communication;

output the combined communications for sending via an electronic network to the remote terminal.

14. The system of claim 13, wherein the content data pertains to a second offer.

15. The system of claim 13, further comprising a non-resident non-transitory computer storage medium coupled to the network comprising a third client information data, wherein the processor accesses the non-resident non-transitory computer storage medium to retrieve third client information data related to the client information.

16. The system of claim 13, further comprising an output module coupled to the network, the output module configured for preparing the combined communication.

17. A method for preparing combined communications comprising a plurality of client communication sections, the method comprising the steps of:

receiving at a computer system comprising a processor, via an electronic network, client information data, the client information data indicating interest in a first offer for a financial product or service presented to a client;

automatically generating, using the computer system, offer data responsive to the interest in the first offer, the offer data for inclusion in at least one of a plurality of sections of a client communication;

automatically generating, using the computer system, an electronic combined communication, the combined communication comprising a host communication and at least one of the sections of the client communication;

outputting, using the processor, the combined communication to an electronic network for delivery to the client; and

automatically generating and outputting to the network, using the computer system, one or more additional sections of the client communication responsive to additional client information data received at the processor indicating continued interest in the first offer for a financial product or service presented to the client,

wherein at least one of the sections of the client communication contains variable content data for a second offer for the financial product or service specific to the client.

18. The method of claim 17, wherein at least one section of the client communication includes an option to apply for the financial product or service.

19. The method of claim 17, wherein one or more sections of the client communication constitute an application for the financial product or service described in the second offer.

20. The method of claim 17, wherein the combined communication is an electronic mail.

21. The method of claim 17, wherein any section of the client communication is an electronic form configured for responding to the first offer.

22. The method of claim 17, wherein any section of the client communication is an electronic form configured for responding to the second offer.

23. The method of claim 17, wherein the variable content data is variable financial product data.

24. The method of claim 17, wherein the variable content data is variable client information data.

25. The method of claim 17, wherein the computer system comprises a specially programmed processor having decision information, the decision information comprising conditions and instructions for selection of the variable content data from a non-transitory computer storage medium coupled to the processor.

26. The method of claim 17, wherein the first offer is presented to the client on a display accessible via the internet.

27. The method of claim 17, wherein the electronic combined communication and the one or more client communication sections are output for display that is accessible via the internet.

28. The method of claim 27, wherein the first offer is presented within a display advertisement.

29. A system for preparing combined communications comprising a plurality of client communication sections, the system comprising:

a non-transitory computer storage medium comprising content data; and

a processor coupled to the non-transitory computer storage medium and the electronic network, the processor programmed to;

receive a first client information data and a second client information data from a remote terminal responsive to a first offer for a financial product or service;

select content data according to decision information, the decision information comprising conditions and instructions for selection of the content data specific and responsive to the first client information data and the second client information data;

generate at least one of a plurality of sections of a client communication;

generate an electronic communication, the electronic communication selected from the group of;

(a) a host communication combined with at least one of the sections of the client communication and (b) one or more sections of the client communication; and

output the electronic communication for sending via an electronic network to the remote terminal.

30. The system of claim 29, wherein the content data pertains to a second offer.

31. The system of claim 29, further comprising a non-resident non-transitory computer storage medium coupled to the network comprising a third client information data, wherein the processor accesses the non-resident non-transitory computer storage medium to retrieve third client information data related to the client information.

32. The system of claim 29, further comprising an output module coupled to the network, the output module configured for preparing the electronic communication.