Patent ID: 8566208

Claim:
Non-transitory computer-readable storage media encoded with a computer program including instructions executable by a processor to create an application comprising: a. a software module configured to provide financial product education, research, and recommendation tools, the tools operating in a self-service mode adapted for use by a consumer; b. a software module configured to provide the financial product education, research, and recommendation tools, the tools operating in a collaboration mode, the collaboration mode comprising a sales overlay adapted for use by a sales representative together with the consumer, the sales overlay providing the sales representative with additional tools for selling the financial products to the consumer; and c. a software module configured to generate a unique code for the consumer, the code providing persistence of state and data information across locations and interfaces without authentication, wherein the code is generated in either the self-service mode or the collaboration mode and provides persistence of state and data information in a subsequent session in either mode.