Patent ID: 7685036

Claim:
A computer system that delivers financial messages to individual clients comprising: a processor and memory; the memory storing a messaging system that further comprises a registration system module, a message creation system module and an intervention system module; the processor executing the registration system module that registers in the memory user preferences that determine financial messages to deliver to individual clients; the processor executing the message creation system module that automatically creates financial messages in accordance with the registered user preferences for the individual clients and delivers the automatically created financial messages to the individual clients after a predetermined delay; the processor executing the intervention system module that, during the delay, generates a user interface through which to present at least one financial message from among the automatically generated financial messages, receives user commands input through the user interface to modify the at least one financial message, and modifies content of the at least one financial message according the user commands, resulting in a modified financial message that is delivered to the individual client by the processor executing the message creation system module.