INTERACTIVE MARKETING SYSTEM
First Claim
1. A computer-implemented method for conducting two-way communications between a marketer and a user, the method comprising:
- populating a database with financial and demographic information from a group of users performing periodic financial transactions with a public access network;
querying the database by a marketer to determine a subset of the users;
constructing a series of two-way marketing communications with the subset of users;
communicating with the user in combination with a financial transaction being performed by each user with the public access network;
compensating the users for responding during the communicating step; and
recording responses and the responding users in a database.
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Accused Products
Abstract
The present invention is a system which enables a marketing team to initiate and sustain directed and interactive communication with thousands or millions of existing or prospective customers. In the preferred embodiment, a marketer accesses a database and selects a group of qualified prospects, using lifestyle dimensions and or demographic information, from a stable group of prospective or existing customers conducting financial transactions online. Once a prospect list is selected, the marketer designs a series of questions, typically using branch and skip logic, and the system deploys the question sequence to the target list in the form of a response-redeemable savings coupon. When prospects are next performing their financial transactions online, they are presented with a lifestyle-relevant coupon which is immediately redeemable by responding to the question/communication, therewith lowering the respondent'"'"'s bill instantaneously upon response, as in the case of online bill payment. Reponses are made available to the marketer who can use this information to further segment and qualify respondents. The marketer can then initiate a new, more relevant line of inquiry, based on previous responses, with a more highly qualified subset of prospects. By repeating an ever more relevant communication process with an increasingly qualified prospect group, which ultimately may result in a welcomed invitation to purchase a product or service (e.g. in the form of a coupon redeemable with product or service purchase), both marketer and consumer engage in an interactive relationship. The present invention can use systems and methods for the payment of debts. A communications network can be used by debtors to acquire and transfer funds, securities or any other transferable instrument that increases in value with time to satisfy the debt.
98 Citations
25 Claims
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1. A computer-implemented method for conducting two-way communications between a marketer and a user, the method comprising:
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populating a database with financial and demographic information from a group of users performing periodic financial transactions with a public access network; querying the database by a marketer to determine a subset of the users; constructing a series of two-way marketing communications with the subset of users; communicating with the user in combination with a financial transaction being performed by each user with the public access network; compensating the users for responding during the communicating step; and recording responses and the responding users in a database. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A system for conducting financial transactions in combination with marketing communication comprising:
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a processing system having a computer program to access a database having user demographic and financial data; a public access communication network connected to the processing system; and a user interface that can be connected to the processor with the communication network. - View Dependent Claims (21, 22, 23, 24, 25)
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Specification