CN101065749A - Resource management system and method - Google Patents

Abstract

A system and method that standardizes, automates, and facilitates the process of identifying, evaluating, selecting, and managing product and service resources for individual and enterprise resource users within a particular industry. In one embodiment, the resource management system includes a network-based or other computer server having at least one database including data related to product and service resources within a particular industry that can be searched and queried by users; and having at least one resource management system application, the at least one resource management system application including business rules and industry-specific or user-based criteria, qualitative and/or quantitative resource evaluation standards, and/or other guiding principles or reference points, which when applied to product and service resource data, largely based on user-selected resource criteria, produces resource-related selections, recommendations, ratings, rankings, descriptions, or other effects or results that help users understand resource selections and the relative advantages of said resource selections for the user's particular needs, so that users can make wise, well-informed, effective, and timely decisions in acquiring, selecting, and managing these product and service resources. In this embodiment, the combination of unbiased industry-specific database information, unbiased industry-specific criteria and/or evaluation standards, and industry-specific search and query capabilities available to users on an as-needed basis, provides users with more accurate, precise, higher quality results that are reliable, immediately actionable, and can save users time and money, and this combination can also provide undesirable product or service performance results and/or customer service experience. In another embodiment, the resource management system may further include software components that provide interactive communication and/or transaction capabilities for users and/or providers of product and service resources, thereby further facilitating the resource management process for resource users and resource providers within a specific industry.

Description

Resource management system and method

manual

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technical field

The present invention relates to the management of product and service resources, and more particularly, to an improved system and method for standardizing, automating and facilitating the acquisition, evaluation, selection, management and operate.

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Background technique

As shown by the recent success enjoyed by companies providing web-based search capabilities, today's individual and business users continually demand fast, convenient, and effective access to product and service resources to meet diverse and ever-changing personal and business needs. The number and specialization of product and service resources, as well as the need and ability to obtain global and local resources, has increased rapidly and will continue to increase for the foreseeable future. These market trends and market needs are driving an ever-increasing need for more sophisticated, standardized, automated and specialized tools for product and service resource acquisition, evaluation, selection and management on an industry-specific basis.

Most of the search results provided by current web-based search engines are based on a combination of computer algorithms, keyword and metadata relevance, popularity of web pages (number of relevant visitors), clickstream behavior information, advertiser Conversion rates, prices, and/or feedback from their peers or other designated "community" (the latter being a more recent phenomenon also known as "social intelligence").

"Specialized" search engines that focus on specific industries and customer markets may provide product or service ratings or reviews based on price and basic product or service characteristics, but in most cases, when retrieving product or service search results, any Qualitative "assessments" are all based on the personal perspective (social intelligence) of tightly defined groups of Internet users and are not based on industry-specific qualitative and/or quantitative evaluation criteria, guidelines or reference points.

Conceptually and technically, this current search function (i) lacks appropriate industry-specific and/or user-based qualitative criteria and guidelines when retrieving and ranking search results; independent, standards-based evaluation of product and service resources; and (iii) the results, in most if not most cases, provide users with inaccurate, imprecise, unreliable and/or Or useless search results, further, do not provide the ability to determine whether the retrieved search results meet the user's needs regarding the quality or other characteristics or attributes of the resource the user is seeking.

Historically, prior to the advent of Internet and web-based search engines, the critical process for business and individual resource users to acquire, evaluate, and select product and service resources was largely influenced by word of mouth, media advertising, vendor marketing skills, consultant bias, and Driven by mutually beneficial business arrangements. This is an inefficient, haphazard, mere cost-effective process that is not governed by clear and clear industry-specific guidelines or standards. This "process flawed" resource management process still exists today as a common market practice, complemented by the aforementioned "process flawed" web-based search engine capabilities. More specifically, the ability to intelligently, efficiently and economically manage product and service resources to meet industry-specific user needs through the use of technology-based tools or information technology platforms does not exist today.

This resource management process flaw has compromised both resource users and resource providers. For resource users, this has resulted in (i) considerable underutilization and inaccurate use of available resource choices; (ii) mediocre service performance and service quality from service providers; (iii) lack of optimal Pricing; and (iv) overly fragmented, opaque markets within specific industries that prevent resource users from obtaining information that can improve their resource experience and execution results. For resource providers, this has resulted in "best in class" resource providers losing market share and/or losing pricing power in favor of less-than-best resource providers for a given resource user demand. This resource management process deficiency has prevailed for decades, although the user's resource experience and actual execution results are largely based on the quality and other attributes, timeliness, and accuracy of the resources used.

Illustrative illustrations of the damage to resource users and resource providers caused by deficiencies in this resource management process can also be found in the financial services industry. Individuals and businesses alike need to identify, select and manage a wide range of financial service providers to help them manage their financial and non-financial assets. This fundamental market need has grown in size and intensity as the resource user and resource provider markets have continued to experience unprecedented growth in the last decade, driven by strong secular growth trends. At the same time, the financial service industry has gradually formed a wide range of systemic problems, specifically, violent conflicts of interests, self-management of trust relationships, and similar shortcomings and ethical abuses of financial service providers, which have caused considerable damage to financial service customers. These abuses have been pervasive because of a lack of ability for customers to effectively and affordably obtain accurate, comprehensive resource information and independent evaluations of those resources. Current sources of resource information include many, varied, significantly biased, and incomplete sources, including word of mouth, resource provider websites, industry and press publications and information services, industry trade organizations, and media advertisements. Examples of specific market implementations that result from this flaw in the financial services resource management process are described below.

Many financial services providers are driven by cultural, psychological, and executive tendencies, based primarily on one key metric: sales of their products and services (including the accumulation of assets under management), as earnings and profits drive their bonuses and other compensation. The best interests of the customer are subordinated to this goal, and the needs of the customer are in most cases adapted to the compensation scheme of the financial service provider.

Today, many individual consumers rely primarily on their friends and family (those whom they trust most) when selecting a financial service provider. However, these informants generally base their resource recommendations almost entirely on personal experience rather than on target market research or criteria-driven assessments. Consequently, many high-quality financial service providers that should be evaluated by resource users remain unknown to resource users and/or are not considered in the resource selection process.

This financial services resource management process deficiency has negatively impacted both financial services resource users and financial services resource providers. For resource users, the resource provider disadvantages described above have compromised the quality of the consumer experience as well as the actual benefits (including pricing) and performance that the consumer has received. For resource providers, lack of trust in financial services consumers has led to a steady decline in pricing power, brand strength, and customer loyalty. Accordingly, the present invention presents a best practice framework that is very timely in the current financial services environment - besieged by conflicting interests, lack of ethics and lack of trust.

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Contents of the invention

The present invention, sometimes referred to hereinafter as a "WRM system," includes a web-based and/or computer-implemented system and method with industry-specific system and method templates for standardizing, automating, and facilitating, in whole or in part, industry-specific and Identification, evaluation, selection, management and operation of product and service resources in the customer market.

The system and method may also provide and facilitate consulting, advice, product development, advertising, marketing, sales, distribution, client maintenance, client management, and similar services, in whole or in part, to product and service resource providers within a particular industry.

The systems and methods may also provide and facilitate, in whole or in part, (i) interactive communications (including, for example, via e-mail, instant messaging, VoIP, and other telecommunication technologies); (ii) collaborative activities (including, for example, blogging, live chat groups, podcasts, interactive forums, educational events, and social/cultural events); and (iii) transactional activities of users and providers of industry-specific product and service resources, including, for example, industry-specific products and services Direct purchase and fulfillment of products and services resources between and among users and providers of resources, live auctions of products and/or services resources, customer maintenance, customer management, business-to-customer contractual arrangements, and business-to-business contracts arrange.

The invention includes functional technical components and database components. The functional technical components of the present invention include one or more of the following components: (i) a search engine that searches and queries the WRM system database and/or network; (ii) a software component that combines business rules and/or Analytical formulas and/or industry-specific or user-based criteria, standards, or other relevant parameters or guidelines (such as, but not limited to, including the Resource Provider Evaluation Criteria and Resource Provider Evaluation Models described below), when applied to the WRM system databases that generate results or actions related to the identification, evaluation, selection, management and/or operation of product and service resources within said particular industry; and (iii) user measurement and reporting software; (iv) transaction-based software; and (v) electronic mail, telecommunications, audio/video/data transmission, networking, security and other general software and/or hardware.

The database components of the present invention include one or more of the following components for industry-specific applications of the invention: (i) information and analysis on specific product and service resources for specific business classifications and/or user need classifications within a specific industry; ( ii) information and analysis about resource users within said particular industry; (iii) information and analysis about customer markets within said particular industry; (iv) information and analysis about trends, business practices and/or market practices within said particular industry (v) feedback from resource users and resource providers within the specified industry; (vi) qualitative and/or quantitative resource evaluation standards, best practices and/or evaluation models for the specified industry; and (vii) proprietary analyzes of all or part of the foregoing database information, analyses, standards and models.

In one embodiment of the invention, resource users are able to access, upon request, unbiased information and Objectives, criteria on which to base, qualitative and quantitative assessment, analysis, rating and recommendation. In addition, users can access guidance and education on demand as they formulate their searches and other queries. In addition, users are able to query, communicate with, and conduct business transactions with product and service resource providers within the particular industry. Resource Providers are able to receive customized, industry-specific and/or client-market-specific consultation, advice, product development, advertising, marketing, sales, distribution, client maintenance, client management and information about the products and services they offer to Resource Users within a particular industry Similar services to the service. In addition, resource users and resource providers within a particular industry are able to interact informally and/or business network online and offline through sponsored social, cultural, educational, and similar events.

The present invention is designed to be applied in a specific industry. With respect to financial services applications, as an exemplary embodiment of the present invention, database information includes, for example, information and analysis of product and service resources related to the preservation, accumulation, transfer, deprivation, Management and business related, for example, including, but not limited to, product and service resources for: finance, investment, trading, brokerage, asset management, document management, commercial banking, investment banking, custody, philanthropy, commercial Planning, management consulting, legal, tax, accounting, corporate finance, and transaction resource user needs.

The present invention provides specific, practical benefits to resource users and resource providers within a particular industry, including, for example, but not limited to some or all of the following benefits: (i) resource users can save time and money when acquiring and evaluating resources ; reduce or eliminate undesired service experiences; receive better pricing and/or performance from resource providers; and have more confidence and trust and more satisfying relationships with service providers. (ii) The resource provider receives 24/7 market access to domestic and international customers and prospects through independent, unbiased, high-quality sources of information, thereby extending its market reach at low cost, and within acceptable targets Build its brand among supporters. (iii) Provided the invention is used by an increasing number of supporters, the industry-specific resource evaluation criteria established by the invention can encourage resource providers to maintain high standards in terms of product and service quality, price, and execution, thus benefiting the industry as a whole . (iv) resource users and resource providers within a given industry are able to interact informally and privately, thus facilitating dialogue and meaningful and enjoyable relationships, which are often of great value in resource management and our daily lives, as well as promoting The ever-increasing exploratory experience in our society.

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Detailed Description of the Invention

The detailed description of the exemplary embodiments of the invention described herein shows the exemplary embodiments by way of schematic and best models thereof with reference to some databases and functional technical components, properties and processes. Although these exemplary embodiments have been described in sufficient detail to enable those skilled in the art to practice the invention, it should be understood that other embodiments can be implemented, and access to these database and functional technology components, attributes and processes can be performed. Changes and modifications may be made without departing from the spirit, scope, principle and purpose of the invention.

Accordingly, the detailed description of the exemplary embodiments described herein are presented for purposes of illustration only and not limitation. For example, the present invention contemplates a number of different applications in particular industries as exemplary embodiments of the present invention, and for each of these exemplary embodiments, the database and functional technical components, attributes, and processes may vary in form and content . Furthermore, the steps described in any method or process description may be performed in any order and are not limited to the order presented. It is to be understood that the specific embodiments described herein are illustrative of the invention and its best mode, and are not intended to otherwise limit the scope or purpose of the invention in any way.

The invention has been described herein in terms of functional components, alternatives, and various processing steps. It should be appreciated that such functional components may be realized in any number of software and/or hardware components configured to perform the specified functions. Furthermore, it should be noted that for the sake of brevity, some subcomponents of the invention, such as conventional data networking, application development, and other conventional technical aspects of the invention, are not described in detail here.

Those skilled in the art should understand that the present invention can be implemented as a method, a data processing system, a data processing device and/or a computer program product. Accordingly, the present invention can take the form of an entirely software implementation, an entirely hardware implementation or a combination of software and hardware implementations. Furthermore, the present invention may take the form of an Internet-based computer program accessible by any computer device, including wireless devices with a connection to the Internet. Furthermore, the invention may take the form of a computer program product on a computer-readable storage medium having computer-readable program code means embodied therein. Any suitable computer readable storage medium may be utilized, such as hard disks, CD-ROMs, DVDs, optical storage devices, magnetic storage devices, flash memory devices, or any type of medium or device suitable for storing instructions and/or data.

The software components of the present invention can be implemented using any programming or scripting language, such as C, C++, Java, COBOL, PERL, Visual Basic, SQL stored procedures (Stored Procedures) or by using a variety of algorithms. Extensible Markup Language (XML), the various algorithms are implemented in any combination of data structures, objects, procedures, routines, or other programming elements. Furthermore, it should be noted that the present invention may use many conventional techniques for data transmission, signaling, data processing, network control, etc. Additionally, software components of the present invention may include, without limitation, device drivers, operating systems, execution environments, and/or user applications.

All references herein to a "WRM system" relate in whole or in part to the present invention and are not meant to limit or define the invention in any way. The present invention may be called or assigned other names, designations or classifications without affecting in any way any component, property, process, principle or purpose of the present invention.

A. WRM System Information Technology Platform: The present invention, sometimes referred to below as a "WRM system," includes web-based and/or computer-implemented systems and methods with industry-specific system and method templates for standardizing, in whole or in part, Automate and facilitate the identification, evaluation, selection, management and operation of product and service sources within specific industries and customer markets. The system and method may also provide and facilitate consulting, advice, product development, advertising, marketing, sales, distribution, client maintenance, client management, and similar services, in whole or in part, to product and service resource providers within a particular industry. The systems and methods may also provide and facilitate, in whole or in part, interactive communications, collaborative activities, and transactional activities for users and providers of product and service resources within a particular industry, such as, but not limited to, (i) email , instant messaging, blogs, live chat, VoIP (Voice over IP), interactive forums, live audio/video events, wireless communications (such as those using Bluetooth and/or Wi-Fi technology), and others telecommunications capabilities; (ii) direct purchase and fulfillment of product and service resources; (iii) live auctions of product and/or service resources; (iv) customer maintenance and customer management; and/or (v) products and services within specific industries Contractual arrangements between and among users and providers of resources.

The invention includes functional technical components and database components. The functional technical components of the present invention include one or more of the following components: (i) a search engine that searches and queries WRM system databases and/or networks; (ii) a software component that combines business rules and/or analytical formulas and/or Industry-specific or user-based guidelines, standards, or other relevant parameters or guidelines (such as, but not limited to, the Resource Provider Evaluation Guidelines and Resource Provider Evaluation Models described below), when applied to the WRM System database, which produce results or actions involving the identification, evaluation, selection, management and/or operation of product and service resources within a particular industry; (iii) user measurement and reporting software; (iv) transaction-based software; and (v) email, Telecommunications, audio/video/data transmission, networking, security and other general software and hardware.

For specific industry applications of the present invention, the database components of the present invention include one or more of the following components: (i) information and analysis about specific product and service resources within specific business classifications and/or user needs classifications within specific industries; ( ii) information and analysis about users of resources in a particular industry; (iii) information and analysis about customer markets in a particular industry; (iii) information and analysis about trends, business practices and/or market practices in a particular industry; (iv) ) industry-specific resource user and resource provider feedback; (v) industry-specific qualitative and/or quantitative resource evaluation criteria, best practices, and/or evaluation models; and (vi) the foregoing database information, analyses, standards, and Proprietary analysis of all or part of the model. These database information components are sometimes collectively referred to as "WRM knowledge base" below.

A.1. Access to the WRM System: The WRM System can be accessed through electronic networks and websites, computer application software, CD-ROM, DVD and other suitable storage devices, remote access (mobile) software and hardware, and consulting and advice services . When implemented, the WRM system and/or components thereof will be located at various web sites on the Internet, including but not limited to http://www.wealthresourcemanagement.net , http://www.wrmconsult.net, and other web sites (sometimes below collectively referred to as the "WRM Site"). These web addresses are Uniform Resource Locators (URLs) that can be entered into any web-enabled browser to access the site. The WRM system supports the use of current versions of the most commonly used browsers, such as Microsoft's Internet Explorer. The "https" website is a secure and protected website that uses 128-bit encryption for any information exchange from the web browser to the WRM system, which means that users can Access to the Site and specific features or areas within the Site. "https" sites have a padlock icon in the lower right status bar of the web browser. (More information on this security and related encryption certificates is available by clicking on the "Verisign Secure Site" icon at the bottom of the login screen.). Assuming the browser requirements are met, the WRM system and/or its components can be accessed from any computer location.

Users of the present invention access the WRM system and/or its components in several ways, including but not limited to one or more of the following: (1) WRM website registration: some WRM websites and/or parts thereof are accessible to the public; Register and log in on the WRM website home page to access the website; (2) WRM system electronic reservations; some WRM websites and parts thereof may be accessed by paid subscription only; (3) WRM system licensing: some WRM system features are available only through licensing Some data, technology and/or application software to access; and/or (4) WRM system services: some WRM system functions are only available through the purchase of some consulting, advice, education, product development, marketing, advertising, sales, distribution, customer maintenance, Customer management or related services to access.

A.2. WRM system development process: WRM system professionals develop and implement, and collaborate with business partners, independent contractors, and other third parties in the development and implementation of all WRM database components and functional technology components. Additionally, some database components and functional technology components have been developed in whole or in part, or will be developed in whole or in part by third parties, and will be incorporated into the WRM system development process through licensing or other contractual arrangements. (Sections B, C, and D below provide detailed descriptions of the development process for specific WRM system components.)

B. WRM system technical components: B.1. Search and query capabilities: WRM system provides multiple search and query capabilities, including but not limited to one or more of the following methods:

• Users are able to perform searches and queries of the WRM system knowledge base or parts thereof and/or the network. Search and query functions are performed through the WRM system toolbar and query taskbar, web browser toolbar and desktop toolbar. Toolbars and taskbars have drop-down menus and are customizable in terms of settings and layout options. Examples of some of these toolbar and taskbar functions and menu options are described below in this section.

• Users typically need to sign into their WRM system account with the appropriate credentials, permissions and authentication to access all or part of the WRM system functionality. Once logged in, the user will be able to select the WRM system homepage on any WRM system website he has visited as his website homepage, as well as be able to personalize his homepage content.

● The WRM system toolbar for web search supports the most commonly used search engines, such as Google and Yahoo, and the most commonly used browsers, such as Microsoft's Internet Explorer. Web search queries multiple data sources simultaneously via HTTP and XML, and provides retrieval of search results from multiple types of data sources, such as third-party search engines, metasearch engines, RSS search engines, and from web-based publishers and blogs RSS feeds.

• The WRM System Knowledge Base Toolbar and Taskbar provide retrieval of search and query results from the WRM System Knowledge Base or portions thereof. Users are able to define, limit and refine their searches and queries by selecting from a variety of customized criteria and subject parameters. For example, with respect to financial services applications, as an exemplary embodiment of the present invention, topic parameters may include, without limitation, resource user needs for a given resource provider category (see Section C below describing resource provider categories). ). In addition, each Resource Provider Classifier has a Tools section with a customized Search and Query Taskbar that includes menu options related to the Resource Provider category. The Resource Provider category query may also provide the option of: linking directly to the Resource Provider's website, directly linking to the Resource Provider's products and services on the WRM Systems Marketplace sub-site, and/or via email and other communication capabilities, such as VoIP (Voice over IP), communicates directly with resource providers.

The WRM system desktop search toolbar and taskbar reside in Microsoft Windows and/or other commonly used operating systems and provide retrieval of search and query results from the WRM system knowledge base or portions thereof and/or from the web ( After the user signs into their WRM system account).

●WRM system search function has a meta-utility function, which allows simultaneous search of multiple web-based search engines (including non-US-based search engines) and WRM system knowledge base. Search drivers, i.e. how search results are retrieved, may include without limitation one or more of the following drivers: keyword/phrase metadata, Boolean commands and operators, behavioral information and conversion rates shared by advertisers, Popularity, User Feedback, WRM System Proprietary Algorithms and Analysis, WRM System Evaluation Model (described below in Section D), and WRM System Proprietary User Data.

• Users are able to store searches, categorize search results, and create and organize bookmarks for retrieved web or WRM system results by specified criteria. In addition, users can enter their bookmarks from the Internet Explorer toolbar and other browser search toolbars. Additionally, users are able to access online research assistants and/or inquiry assistants. Receive search suggestions as you enter search terms and parameters, as well as access their search history. Additionally, he may be able to use the WRM "wildcard" search operator by inserting an asterisk after the word or phrase.

●WRM system toolbar and taskbar for WRM system resource providers, enabling resource providers to request custom reports on user traffic, user activity, ad click-through rates, and other user metrics, as well as various inquiries , advice, product development, marketing, sales, distribution, customer maintenance, customer management and related services.

The MyWRM Toolbar (which may have other names and nomenclatures) provides additional features and functionality, including but not limited to one or more of the following: (1) When a user logs into their WRM system account, this toolbar is available from any WRM System website home page or search results page visit. The toolbar has a separate login/logout (password protected and associated with the WRM system ID for an extra level of security) and a separate search history. (2) This toolbar allows the user to store the retrieved search results into MyWRM and tag them (annotated with descriptive keywords), as well as allow him to share these tags with his specified "community (community)" (including via email) and a tag to browse his community. Tagging allows pages to be stored by subject and other descriptive keywords (as opposed to a traditional web search's folder structure), and users to be able to annotate these tags. (3) The user can view the stored pages by clicking on the tags, or combine tags to limit his search and view all pages related to a set of tags. (4) The user is able to prevent any search result link from appearing in subsequent searches, as well as manage his blocking history (add/delete blocked links). (5) A user is able to send invitations to his contacts to join his community, track the status of outstanding invitations, and manage his community (add/edit/delete community members and edit contact settings). Additionally, the user can import contacts from his Microsoft Outlook and other email programs.

B.2. Content and Technology Distribution: The WRM System distributes and receives Content and Technology in several ways, including, for example but not limited to, in one or more of the following ways:

• Content distribution to WRM system users: Users can retrieve WRM system information by using the WRM system search and query toolbars and taskbars, as described in Section B.1 above. In addition, users can sign up to receive WRM system news and alerts on industry-specific topics, resource provider categories, or other custom criteria via email notifications and/or RSS feeds. He can choose notifications and feeds daily, weekly or continuously (as it happens). In addition, WRM system resource providers can receive customized reports on user traffic, user activity, ad click-through rates, and other user metrics, as well as information on product development, marketing, sales, distribution, customer maintenance, account management, and related services and analysis.

● Information submission from WRM system resource users: Resource users can submit various information and feedback to the WRM system in one or more of the following ways, including, for example but not limited to: (i) by filling in the resource provider on the WRM system website Customer evaluation forms or other types of feedback forms; (ii) by participating in resource user customer satisfaction surveys or other surveys; (iii) by participating in WRM System blogs; and (iv) by participating in WRM System online or offline events.

●Information submission from WRM system resource providers: Resource providers can submit a variety of information and feedback to the WRM system in one or more of the following ways, for example, including but not limited to: (1) by filling in the resource provision on the WRM system website (ii) by participating in the Resource Provider Survey; (iii) ) by participating in the WRM System Blog; and (iv) by participating in WRM System Online or Offline Events.

● Distribution of content and technology to and from business partners and other third parties: through licensing or other contractual arrangements, using web hyperlinks, RSS feeds or other syndication formats, advertising program options, and/or other content distribution options , WRM system content can be distributed to WRM system business partners and other third parties. In addition, functional technical components of WRM systems may be licensed or transferred in whole or in part to business partners and other third parties through contractual arrangements. In addition, WRM systems may include content, software or other technical components from business partners and other third parties through licensing or other contractual arrangements.

B.3. Interactive Communication and Collaboration Capabilities: WRM systems provide a variety of interactive communication and collaboration capabilities in one or more of the following ways, including but not limited to:

• Blogs, Live Chat Groups, Personalized Podcasts and Forums: The WRM System website hosts blogs, live chat groups, personalized podcasts and/or forums on a wide range of industry-specific topics and user needs. The WRM Systems website may also provide links to "about" web blogs, chat groups and personalized broadcasts. In addition, users can create their own blogs by using the WRM system toolbar.

• E-Letter, Instant Messaging and VoIP: Users are able to send and receive e-mail communications to and from WRM System Websites and WRM System Resource Providers through WRM System Links. In addition, WRM System website registrants and users have access to WRM System's web-based email program with storage space, spam filters, and built-in WRM System search and instant messaging capabilities. Additionally, instant messaging and or VoIP communications are available to registrants and users.

• Interactive Web-Based Audio/Video Events: The WRM system hosts many types of educational conferences, seminars, and other events with interactive capabilities, including, for example but not limited to, the ability for event attendees to submit questions to event speakers.

• Social and Cultural Events: The WRM system hosts various types of social, cultural and business networking events to foster valuable and meaningful relationships among resource users and resource providers.

B.4. Marketing and advertising capabilities: WRM system provides WRM system users, resource providers and third parties with various types of marketing and advertising capabilities in one or more of the following ways, including but not limited to:

● Online Advertising: Advertising options on the WRM System website, including, for example, but not limited to, one or more of the following: paid search, banner ads, pop-up ads (which may be blocked by site users), sponsored links (for those with "related" distribution of advertisements on third-party sites for content) and pay-per-performance advertisements. In addition, viewers of the advertisement are able to contact the advertiser directly by clicking on a telephone link immediately following the advertisement.

●Network measurement program: WRM systems provide resource providers with various types of tools in one or more of the following ways, enabling resource providers to test and improve their marketing, advertising, sales and distribution strategies, including, for example but not limited to: (i) customized analysis, measurement and reporting tools that profile and measure visitor and user traffic with respect to the presence of the Resource Provider's WRM system; and/or (ii) in connection with marketing, advertising, sales and distribution matters The search and query toolbar and taskbar.

B.5. Transaction Capabilities: The WRM system provides multiple types of transaction capabilities in one or more of the following ways, including, for example but not limited to:

• The WRM system website may include a marketplace sub-site that lists resource provider's product and service information and pricing, where resource provider's products and services can be purchased directly from the site with credit card and PayPal payment options. These marketplace sites also provide direct links to resource provider sites and other related resources.

• The WRM system website can host live auctions and "Dutch" auctions related to resource provider products and services and/or resource user needs. Auction participants can enter and manage their bids and track auction activity directly on the site.

The WRM System website may include sub-sites where Resource Providers can communicate and conduct business directly with WRM System users in several ways, including, for example but not limited to, in one or more of the following ways: Resource Provider Live Interviews and other live audio and video events; customer service inquiry and feedback forms; user input forms; and other related exchanges.

A WRM System website may include sub-sites where Resource Providers can communicate and conduct business directly with other WRM System Resource Providers and third parties in several ways, including, for example but not limited to, in one or more of the following ways : Online dialogue forums, entry forms, and live-hosted events to facilitate resource provider business partnerships and collaborations; resource provider-sponsored interactive events; and other forums for resource provider-to-resource provider business transactions.

B.6. Wireless Capabilities: The WRM System provides various types of wireless capabilities in one or more of the following ways, including, for example but not limited to: (i) the WRM System website can be accessed from a wireless device providing a network connection, and when the user When signed into his WRM system account, he is able to access some or all WRM system functions from his wireless device, which includes, for example, search and query, news and alerts, RSS feeds, email programs, and other system capabilities; and (ii) The WRM system application software can be downloaded to the wireless device.

C. WRM System Repository: The WRM System Repository includes the database components of the WRM system and is an integral part of the present invention. The following describes an example of the data content structure, data content source, and data content compilation and system input process of the present invention (hereinafter collectively referred to as "database development process" sometimes). The database development process described below can be modified, improved, revised and/or customized for specific industry applications of the present invention, and the modifications, improvements, revisions and/or customized do not depart from the spirit, scope, principle and purpose of the present invention.

C.1. Data Content Structure: The WRM system data content structure includes some types of information and analysis related to resource users and resource providers within a particular industry (sometimes collectively referred to below as "data content structure"). An exemplary implementation of the data content structure is explained below for the application of the present invention to the financial service industry.

C.1.a. Resource Provider Classification: The WRM System Provider Classification will vary for each industry-specific application of the invention, and may be revised frequently. With respect to financial services industry applications, as an exemplary embodiment of the present invention, WRM system resource provider classifications may include some or all of the following classifications, and may include additional and/or revised classifications as amended from time to time: (A) Financial Asset Management Resources: Optional Investment Advisory, Optional Investment Management, Audit and Assurance Services, Corporate Advisory Services, Corporate Publishing and News Services, Enterprise Software, Home Office Services, Family Wealth Planning, Financial Planning, Financial Publishing and News Services , Financial Software, Industry Organizations, Insurance Brokerage and Consulting, Insurance Companies, Investment Banking, Investment Advisory, Investment Management, Investment Research, Legal Services (by Professional), Lenders, Charity Consulting, Charitable Organizations, Charitable Publishing, Private Banking, Private Equity companies, security brokerage and trading, tax planning and enforcement, trusts and regulation; (B) non-financial asset management resources: auction companies for art, antiques and collectibles; consulting for art, antiques and collectibles ; dealers and galleries of art, antiques, and collectibles; publishing of art, antiques, and collectibles; and (C) various resources: travel resources, personal shopping resources, cultural, sports, and entertainment resources.

C.1.b. Taxonomy of Resource Provider Information and Analysis: The taxonomy of Resource Provider Information and Analysis varies for each industry-specific application of the invention, and may be revised from time to time. With respect to financial services applications, as an exemplary embodiment of the present invention, resource provider information and analysis categories may include some or all of the categories listed below, and all or some elements within each category, and may include Additional and/or Revised Taxonomy (The taxonomy of resource provider information and analysis is sometimes collectively referred to below as "Resource Provider Evaluation Criteria"). The information and analysis compiled from these Resource Provider Evaluation Criteria for some or all Resource Providers is periodically updated in whole or in part, and this updating process is an integral part of the present invention.

●Resource Provider Evaluation Criteria:

Business model: business strategy, product strategy, product pricing, customer composition, innovation and growth strategy, customer service strategy, competitive strengths and weaknesses, business risk, brand and reputation.

●Operating model: organizational structure and staffing, standard operating procedures, customer delivery models, management strengths (including experience, transactions, and performance records), performance management measures (including key performance indicators and execution motivations), technical strengths ( including budget, resource allocation and use).

Financial metrics: customer market size growth rate, customer asset growth rate under management or advice, annual sales growth, annual revenue growth, total net operating margin, debt/equity ratio, capital expenditures, cash flow from activities, return on assets, return on equity, Financial risk management, corporate shareholder decision-making, independent third-party stock evaluation, independent third-party debt evaluation.

● Corporate Governance: Corporate culture strength and quality (eg, conservative, progressive, aggressive, innovative), corporate governance policies and procedures, board quality (including experience, education, and performance record), regulatory affairs (including violations, resolutions, appropriate remediation, and scope and commitment to reform), and financial controls (including Sarbanes-Oxley flexibilities).

• Customer Satisfaction Measurements: Perceived Quality and Perceived Value, Price Tolerance, Product/Service Satisfaction, and Customer Service Satisfaction.

Basic business data: contract information, business location, number of employees, ownership type, market capitalization, business description, product/service description, area of expertise, number of experts, list of representative customers, representative tasks, number of customers, customer retention, management or Asset Volume under Advice, Asset Management or Asset Advice Execution and Noteworthy News.

The number of resource provider evaluation criteria, and the nature and extent of the information and analysis within each resource provider evaluation criteria, will vary for each resource provider, depending on (i) the resource provider's business classification and business size; (ii) the availability of public and non-public information and analysis about resource providers; (iii) information submitted to the WRM system by resource providers; (iv) information developed by WRM system professionals about resource providers and and/or proprietary information and analysis licensed by third parties; (v) resource user and general market demand for Resource Provider's products and services; and (vi) other factors, including market changes. For example, only a subset of resource provider evaluation criteria apply to some resource provider classifications, and a small firm resource provider in a given resource provider classification may be evaluated according to a portion of the resource provider evaluation criteria applicable to its resource provider classification. By. The information and analysis within each resource provider category (including for some or all resource providers within the resource provider category) is periodically updated in whole or in part, and this updating process is an integral part of the present invention.

C.1.c. Taxonomy of Resource User Information and Analysis: The taxonomy of resource user information and analysis will vary for each industry-specific application of the invention, and may be revised from time to time. With respect to financial services applications, as an exemplary embodiment of the present invention, taxonomy of resource user information and analysis may include some or all of the taxonomy listed below, and may include additional and/or revised taxonomy as amended from time to time (described in The categories of Resource User Information and Analytics are sometimes collectively referred to below as "Resource User Information Categories").

●Resource user information classification: resource user profiles, resource user practices, resource user activity trends, resource user demand trends, resource user comments from resource providers, and resource user feedback.

The nature and extent of information and analysis within each resource user information category will vary depending on (i) the availability of public and non-public information and analysis about the resource user category; Submitted information; (iii) proprietary information and analysis developed by WRM system professionals and/or licensed by third parties regarding resource user information classification; (iv) resource providers, resource users and general market information and analysis needs in user categories; and (v) other factors, including market changes. The information and analysis within each resource user category is periodically updated in whole or in part, and this updating process is an integral part of the present invention.

C.1.d. Classification of Industry-Related and Market-Related Information and Analysis: Classification of Industry-Related and Market-Related Information and Analysis will vary for each industry-specific application of the invention, and may be revised from time to time. With respect to financial services industry applications, as an exemplary embodiment of the present invention, the taxonomy of industry-related and market-related information and analysis may include some or all of the categories listed below, and may include additional and/or revised Categories (the categories of industry-related and market-related information and analysis are sometimes collectively referred to below as "industry information categories").

●Industry information classification: market trends of resource providers, best practices of resource providers, market trends of resource users, trends of industry sectors, trends of industry management, education of resource users.

The nature and extent of information and analysis within each industry information category will vary depending on (i) the availability of public and non-public information and analysis on the industry information category; Information submitted to the WRM system; (iii) proprietary information and analysis developed by WRM system professionals on industry information classifications and/or licensed by third parties; (iv) resource users, resource providers and general markets include information and analysis needs in the industry information category; and (v) other factors, including market changes. The information and analysis within each industry category is periodically updated in whole or in part, and this updating process is an integral part of the present invention.

C.2. Data content sources: WRM system data content sources include several types of sources, which may vary for each industry-specific application of the present invention, and which may be revised frequently (the data content sources are sometimes collectively referred to below as "Data Content Source"). The quality and integrity of each source of data content, before data content is entered into the WRM system from said source, is assessed and approved by WRM system professionals to the extent required to ensure quality control standards and to the extent practicable and practicable degree. Data content sources may vary for each resource provider classification, and may be revised from time to time for a given resource provider classification. With respect to financial services industry applications, as an exemplary embodiment of the present invention, data content sources may include some or all of the types of sources listed below, as well as may include additional and/or revised types of sources as amended from time to time.

●Types of data content sources: (1) Public information, including but not limited to, administrative and other public filings; company, industry, and news websites; company literature, press releases, and marketing materials; industry and press publications, blogs, and other media outlets; and web-based search engines and RSS feeds. (2) Information and analysis submitted to the WRM system by resource providers, resource users, WRM system business partners and third parties. (3) Based on internally developed information and analysis of WRM system website user and visitor traffic. (4) Proprietary information, analyses, best practices, assessments, ratings and rankings developed internally by WRM Systems professionals and/or by professionals in conjunction with WRM Systems Consulting Departments and committees, business partners and/or third parties. (5) Proprietary information, analyses, best practices, assessments, ratings and rankings developed by third parties and incorporated into the WRM system through purchase, licensing, subscription or other contractual arrangements.

C.3. Data Content Compilation and System Entry: The WRM system data content compilation and system entry process may vary for each industry-specific application of the present invention, and may be revised frequently (the data content compilation and system entry process below are sometimes collectively referred to as the "data compilation process"). With respect to financial services applications, as an exemplary embodiment of the present invention, the data compilation process may be performed by WRM system professionals in conjunction with third parties including, for example but not limited to, WRM system business partners and/or independent contractors.

• Data content compilation cycle: Data content is compiled, analyzed, categorized and imported in several data collection cycles. Data collection prioritization may be based on several factors, including, but not limited to, one or more of the following: (i) resource user, resource provider, and general market demand for the information and analysis included in the data content categories; (ii) The importance of the data content to the WRM system user; (iii) the ease of accessing the data content; (iv) for data content classification, the time required to complete the data compilation process; and (v) other relevant factors. For example, with respect to a financial services industry application, as an exemplary embodiment of the invention, a data content compilation loop may include one or more of the following loops: (i) Data collection loop 1: Financial asset management resources - 12 (most important) Classification, development period: 1-16 months; data collection cycle 2: financial asset management resources - 16 (less important) classifications, development period: 16-30 months; data collection cycle 3: non-financial asset management resources and various A variety of resources - 8 categories, development period: 31-36 months.

The data content structure, data content sources and data compilation process are designed to produce accurate, precise and comprehensive information and analysis within the development process time frame to the extent that is practically and logically feasible. Data content scope, depth, and completeness are of paramount importance in the proper implementation of product and service resource management.

D. WRM System Assessment Model: The WRM System Assessment Model (hereinafter sometimes collectively referred to as the "Assessment Model") is developed by WRM system professionals in conjunction with third parties, including, for example but not limited to, the WRM System Consulting Department and Committee, Business partners and/or independent contractors. The assessment model development process may vary for each industry-specific application of the invention, and may be frequently revised.

The WRM system assessment model is designed to combine, analyze and synthesize different ranges of WRM system knowledge base data and analysis for each resource provider classification, as well as provide templates and standardized rating systems that generate information about a given resource provider classification and a given Evaluation of some types of resource providers. Evaluation models may vary for each industry-specific application of the invention, and may be frequently revised. In addition, the evaluation models used to classify each resource provider within an industry-specific application are subject to change, and are subject to frequent revision.

D.1. Assessment Model Structural Components: The WRM system assessment model may include an analysis template, which contains some structural components, which may vary for each industry-specific application of the present invention, and may be frequently revised. These structural components may also change for each resource provider classification, as amended from time to time. These structural components include, but are not limited to, one or more of the following:

• WRM knowledge base content (including all database content described in Section C above).

·Business rules and multifactor analysis formulations, including but not limited to causal formulations and economic modeling.

Proprietary evaluation criteria, guidelines, best practices and reference points developed by WRM system professionals and/or by said professionals in conjunction with third parties, including but not limited to the WRM system evaluation criteria described above in Section C .

• Third party information, analysis and software combined through licensing or other contractual arrangements.

D.2. Evaluation Model Functionality: The evaluation model produces multiple types of functional results, which may vary for each industry-specific application of the invention, and which may be revised frequently. Functional results may also vary for each resource provider classification within an industry-specific application, and may be revised frequently. Functional results may include, for example and without limitation, one or more of the following results:

• Automatic selection of resource providers, and resource provider products and services, based on user-based, user-specified, and/or other customized parameters and criteria.

- Automatically qualitatively evaluates and ranks resource providers within a resource provider taxonomy based on user-based, user-specified, and/or other customized parameters and criteria.

- Automatically quantitatively evaluates and ranks resource providers within a resource provider taxonomy based on user-based, user-specified, and/or other customized parameters and criteria.

·Competitive analysis of various types of resource providers.

• Various types of predictive analytics that relate to resource providers, resource users, industry or market trends, or other areas involving resource management within a particular industry.

End comment:

The drawings attached hereto are intended to provide a simplified illustration of only some of the functions, components, properties and processes of the invention, and do not illustrate many of the functions, components, properties and processes of the invention described in this detailed description . Accordingly, the drawings are not intended to limit or define the invention, or otherwise limit the scope or purpose of the invention in any way.

Benefits, other advantages, and solutions to problems have been described above with respect to specific implementations. However, stated benefits, advantages, solutions to problems, and any element that may cause any benefit, advantage, or solution to problems to occur or become more pronounced, are not to be construed as critical, required, or essential to any or all of the claims feature or component. As used herein, the terms "consists of", "contain", "comprised of", "comprises" or any related terms and/or other variations are intended to cover A non-exclusive inclusion such that a process, method, feature, or other system component that includes a list of elements does not include only those elements, but may include a process, method, feature, or other system component not expressly listed or such process, method, feature, or other system component Inherent other elements. Furthermore, no element described herein is required to practice the invention unless expressly described as "essential" or "critical" herein.

In summary, the present invention provides a disciplined approach to industry-specific resource acquisition, evaluation, selection, and management (sometimes collectively referred to herein as "resource management") using an organized method and system that provides sufficient resource information and independent resource assessment, so that individual or enterprise resource users can make informed, effective and timely decisions on resource management based on reliable information at their convenience and at low or minimal cost. Since the application of the present invention tends to be customized for industry-specific needs, the present invention is able to address the user's customized resource management needs, as well as provide him with professional and unbiased information, which is essential for the user to make the correct resource selection to meet User-specific needs are necessary because they can change frequently. At the same time, by providing resource estimates based on industry-specific standardized criteria, the present invention also allows resource estimates to be standardized within a common user community in a particular industry.

In conclusion, for individual and enterprise users, the present invention effectively solves the expensive, time-consuming, difficult and complicated process of product and service resource management in our present era, and provides a convenient, economical, practical and effective solution to this problem business solutions.

The foregoing detailed description of the invention has been presented for purposes of illustration and description. It is not intended to be exhaustive or to limit the invention to the precise forms disclosed. Many modifications and variations are possible in light of the above teaching. The embodiment of the invention described herein was chosen to best explain the principles of the invention and its practical application, thereby enabling others skilled in the art to design various embodiments and multiple embodiments as are suited to the particular use contemplated. modifications to make the best use of the invention. The scope of the invention is intended to be defined by the claims appended hereto, which recite by themselves those features which are considered essential to the invention.

Claims (3)

1. system and method Network Based and/or computer implemented, it has the specific system and method template of industry, is used for identification, assessment, selection, management at least one of standardization whole or in part, robotization and promotion products ﹠ services resource; And described system and method comprises function technical parts and database element; And (A) described function technical parts comprises at least one following project: (i) web search and inquiry and/or database search and query capability; (ii) software part, described software part combination business rules and/or analyze formula and/or industry is specific or based on user's criterion, standard, best practices or other related parameter or governing principle are arranged, when being applied to described database, it produces at least one relevant result or action in identification, assessment, selection, management and/or the operation with products ﹠ services; And (iii) Email, telecommunications, data transmission, Voice ﹠ Video transmission, based on transaction, safety, networking and other common software and/or hardware; And (B) described database element comprises at least one following project: (i) about the information and the analysis of products ﹠ services resource in the specific industry; (ii) about the information and the analysis of resource user in the specific industry; (iii) about the information and the analysis in client market in the specific industry; (iv) information and the analysis of putting into practice about trend, business practice and/or market in the specific industry; (the v) feedback of resource provider and resource user in the specific industry; (the qualitative and/or quantitative stock assessment standard and/or the model that vi) are used for described specific industry; And (vii) to all or part of proprietary analysis of aforementioned data library information, analysis, standard and model.

2. system and method Network Based and/or computer implemented, it has the specific system and method template of industry, be used for providing whole or in part with promote to seek advice from, suggestion, product development, advertisement, marketing, sale, distribution, customer care, customer account management and at least one of similar service that be used for products ﹠ services resource provider in the specific industry; And described system and method comprises function technical parts and database element; And (A) described function technical parts comprises at least one following project: (i) web search and inquiry and/or database search and query capability; (ii) software part, described software part combination business rules and/or analyze formula and/or industry is specific or based on user's criterion, standard, best practices or other related parameter or governing principle are arranged, when being applied to described database, it produces with identification, assessment, selection, the management of described products ﹠ services resource and/or relevant result or the action of at least one item in managing; And (iii) Email, telecommunications, data transmission, Voice ﹠ Video transmission, based on transaction, safety, networking and other common software and/or hardware; And (B) described database element comprises at least one following project: (i) about the information and the analysis of products ﹠ services resource in the specific industry; (ii) about the information and the analysis of resource user in the specific industry; (iii) about the information and the analysis in client market in the specific industry; (iv) information and the analysis of putting into practice about trend, business practice and/or market in the specific industry; (the v) feedback of resource provider and resource user in the specific industry; (the qualitative and/or quantitative stock assessment standard and/or the model that vi) are used for described specific industry; And (vii) to all or part of proprietary analysis of aforementioned data library information, analysis, standard and model.

3. system and method Network Based and/or computer implemented, it has the specific system and method template of industry, be used for promoting whole or in part between the user of products ﹠ services resource in the specific industry and the supplier and among interactive type communication, at least one item in cooperative activity and the transaction, and described interactive type communication, cooperative activity and transaction comprise at least one following project: (i) E-mail communication, instant message, VoIP, audio/visual communication and/or other telecommunication capability (comprise and be not limited to wireless technology, as bluetooth and Wi-Fi); (ii) education, commercial networking, society and/or cultural events or activities; The (iii) purchase of products ﹠ services resource and fulfiling; The (iv) live auction of product and/or Service Source; (v) customer care and customer account management; And (vi) between resource user and the resource provider and among contractual arrangement; And described system and method comprises function technical parts and database element; And (A) described function technical parts comprises at least one following project: (i) web search and inquiry and/or database search and query capability; (ii) software part, described software part combination business rules and/or analyze formula and/or industry is specific or based on user's criterion, standard, best practices or other related parameter or governing principle are arranged, when being applied to described database, it produces with identification, assessment, selection, the management of described products ﹠ services resource and/or relevant result or the action of at least one item in managing; And (iii) Email, telecommunications, data transmission, Voice ﹠ Video transmission, based on transaction, safety, networking and other common software and/or hardware; And (B) described database element comprises at least one following project: (i) about the information and the analysis of products ﹠ services resource in the specific industry; (ii) about the information and the analysis of resource user in the specific industry; (iii) about the information and the analysis in client market in the specific industry; (iv) information and the analysis of putting into practice about trend, business practice and/or market in the specific industry; (the v) feedback of resource provider and resource user in the specific industry; (the qualitative and/or quantitative stock assessment standard and/or the model that vi) are used for described specific industry; And (vii) to all or part of proprietary analysis of aforementioned data library information, analysis, standard and model.

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