Patent ID: 7711599
Filing Date: 2010-05-04
Classification: G06Q

Abstract:
1. A computer-implemented method of automatically preparing a plurality of specific offerings of one or more financial products or financial services or both for specific entities, with use of a processor and one or more associated databases, the method comprising the steps of: automatically inputting into the one or more associated databases a plurality of client records without human intervention between input of the respective client records, the client records comprising client data on specific entities; using the processor to consider said client data on said specific entities and financial product data relating to said one or more financial products or financial services and determine whether to offer a financial product or a financial service or both to the specific entities; if the processor makes a determination to offer said financial product or said financial service or both to a specific entity, then the processor uses client-specific decision information to automatically select parts of variable information from at least two different databases with client data and financial product data to determine the variable information specific to each specific entity and select the parts of the variable information determined for inclusion in a specific communication formulated to express an offering for said determined financial product or service or both for said specific entity; and using an output module associated with the processor and configured to use at least one automated process to automatically compose the variable information comprising the parts determined to create the communication for each said specific entity such that at least one portion within the communication accommodates the variable information, wherein said variable information for each specific entity comprises at least partially a customized identification, specification and/or promotion of said financial product or said financial service or both wherein said variable information for each specific entity has at least some data that is different and automatically generating each of the plurality of communications without human intervention between the generation of each communication for each specific entity.