USRE42869E1 - System and method for profiling customers for targeted marketing - Google Patents

System and method for profiling customers for targeted marketing Download PDF

Info

Publication number
USRE42869E1
USRE42869E1 US09966845 US96684501A USRE42869E1 US RE42869 E1 USRE42869 E1 US RE42869E1 US 09966845 US09966845 US 09966845 US 96684501 A US96684501 A US 96684501A US RE42869 E1 USRE42869 E1 US RE42869E1
Authority
US
Grant status
Grant
Patent type
Prior art keywords
customer
system
survey
business
data
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Active - Reinstated
Application number
US09966845
Inventor
Barbara J. Boe
Julia M. Hamrick
Marjorie L. Aarant
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Ignite Sales Inc
Original Assignee
Ignite Sales Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Grant date

Links

Images

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0202Market predictions or demand forecasting
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0202Market predictions or demand forecasting
    • G06Q30/0203Market surveys or market polls
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0202Market predictions or demand forecasting
    • G06Q30/0204Market segmentation
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0207Discounts or incentives, e.g. coupons, rebates, offers or upsales
    • G06Q30/0217Giving input on a product or service or expressing a customer desire in exchange for an incentive or reward
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0241Advertisement
    • G06Q30/0242Determination of advertisement effectiveness
    • G06Q30/0245Surveys
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0241Advertisement
    • G06Q30/0251Targeted advertisement
    • G06Q30/0269Targeted advertisement based on user profile or attribute
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping
    • G06Q30/0641Shopping interfaces

Abstract

A targeted marketing system and method are provided that provide a customer with customer questions, receive responses to the customer questions from the customer, and store data associated with the responses. The customer is provided with a feedback page that graphically illustrates data associated with the customer's standing in a selected peer group. The customer is provided with options operable to adjust the customer's actual demographic to a hypothetical demographic, and data associated with hypothetical demographic changes from the customer is received and processed. Hypothetical feedback information is then displayed that graphically illustrates the hypothetical standing of the customer within the selected peer group such that the customer can see the effect of the hypothetical demographic changes.

Description

TECHNICAL FIELD OF THE INVENTION

This invention relates generally to the field of data processing and more particularly to a system and method for profiling customers for targeted marketing.

BACKGROUND OF THE INVENTION

Businesses have a need to market their products and services to potential customers. Currently, some of them rely on non-targeted advertising systems such as mass mailings to a general geographic area. However, this approach lacks the ability to target specific potential customers for specific products or services.

Alternatively, some businesses purchase previously compiled statistical data. However, the data obtained by this method is limited in that the research is typically based on small samples of the population and is typically historical data. Thus, the data is generalized and does not give the businesses any information regarding the desires or needs of specific potential customers.

Still other businesses conduct surveys through telemarketing or other types of research companies. Although telemarketing may be used to sell products and services to willing customers, this approach requires businesses to contact all potential customers without any knowledge as to the likelihood that any particular one will purchase a specific product or service.

Therefore, a need has arisen for a new system and method for profiling customers for targeted marketing that overcomes the disadvantages and deficiencies of prior art systems and methods.

SUMMARY OF THE INVENTION

In accordance with the present invention, a system and method for profiling customers for targeted marketing is provided which substantially eliminates or reduces disadvantages and problems associated with prior systems and methods for marketing.

In accordance with one embodiment of the present invention, a method of compiling customer data using an on-line interaction between a customer and a survey system is provided that supplies the customer with questions, receives responses, and stores data associated with the responses. A relative situation display is then provided to the customer that graphically illustrates data associated with the customer's standing in a selected peer group. Later, the customer is provided with the opportunity to adjust his or her actual situation to a hypothetical situation. After receiving and processing the data associated with these adjustments, hypothetical situation information is displayed that graphically illustrates the standing of the customer within the selected hypothetical peer group such that the customer can see the effect of the adjustments.

An important technical advantage of the present invention is that a business may obtain information from customers that allows the business to target its marketing efforts for specific products and services to specific customers who are more likely than the general population to purchase those products and services. One important aspect of the present invention is that the customer is encouraged to provide data to the customer survey system because the customer is provided with interesting and useful information in exchange for that data, such as relative and hypothetical situation information and information relating to setting and achieving goals.

BRIEF DESCRIPTION OF THE DRAWINGS

For a more complete understanding of the present invention, the objects and advantages thereof, reference is now made to the following descriptions taken in connection with the accompanying drawings in which like reference numbers indicate like features and wherein:

FIG. 1 is a block diagram of one embodiment of a targeted marketing system constructed according to the teachings of the present invention.

FIG. 2 is a block diagram that illustrates the routing and exchange of various types of data within one embodiment of a survey system constructed according to the teachings of the present invention.

FIG. 3 is a flowchart showing one embodiment of a process through which a potential or existing customer may access one embodiment of a survey system constructed according to the teachings of the present invention.

FIG. 4a is a diagram showing an embodiment of a survey system constructed according to the teachings of the present invention from the perspective of a potential or existing customer.

FIG. 4b is a screen shot depicting one embodiment of a main menu of a survey system constructed according to the teachings of the present invention.

FIG. 4c is a screen shot depicting an exemplary planner constructed according to the teachings of the present invention.

FIG. 4d is a screen shot depicting an exemplary survey question and possible answers constructed according to the teachings of the present invention.

FIG. 4e is a screen shot depicting an exemplary feedback page constructed according to the teachings of the present invention.

FIG. 4f is a screen shot depicting an exemplary hypothetical “what-if” page constructed according to the teachings of the present invention.

FIGS. 5 a-d are flowcharts showing the progress of a session using an embodiment of the present invention.

FIG. 6a is a diagram showing the progress of a session using an embodiment of the present invention from the perspective of a business.

FIG. 6b is a screen shot showing an exemplary Interest-Match report constructed according to the teachings of the present invention.

FIG. 6c is a screen shot showing an exemplary TargetMatch report constructed according to the teachings of the present invention.

FIG. 6d is a screen shot depicting one embodiment of a business menu of a survey system constructed according to the teachings of the present invention.

DETAILED DESCRIPTION OF THE INVENTION

FIG. 1 is a block diagram of a targeted marketing system 10 which comprises a survey system 12, a business system 14 and a customer system 16. Survey system 12, business system 14 and customer system 16 are coupled to one another and communicate through a network 18. Network 18 may comprise a plurality of communication lines 20.

In general, the system of the present invention allows a business to survey specific customers and to identify ones of such customers that might want to purchase particular products or services. This is accomplished by encouraging the customer to complete a series of demographic questions. The customer wants to do this because at the end of the process the customer receives feedback showing where he stands relative to his peers. The customer is also allowed to explore various “what-if” scenarios to see how his relative position changes when various elements of his demographic are altered. Accordingly, the customer receives valuable evaluative information as a result of the process and the business receives information that allows for highly-defined targeted marketing efforts. All of this may be accomplished in the convenient, non-intrusive environment of an on-line interaction.

Business system 14 may be used by a business to communicate to survey system 12 the business' preferences regarding a survey for its existing or potential customers. These preferences may include survey questions and answers, as well as color schemes, logos, advertisements, and the like. Survey system 12 may then prepare a customized survey for that business' existing or potential customers.

When a customer accesses the survey, survey system 12 may request demographic information to characterize that customer. This information may include income level, number of children, education level, gender, age, or any other information. After the customer has been characterized using the information supplied by the customer, survey system 12 may present survey questions to the customer. Once the survey, or a specified portion of it, is completed by the customer, survey system 12 may then transmit graphical feedback reports to customer system 16 to show the customer how his or her responses compare to responses of other customers with the same or similar demographics.

Survey system 12 may also process the data associated with numerous demographics and survey responses in order to prepare customized reports for the business. Business system 14 may then retrieve from survey system 12 these customized reports, allowing the business to target its marketing efforts to specific potential customers who may be more likely to purchase specific products or services than other potential customers.

Communication lines 20 may be any type of communication link capable of supporting data transfer. In one embodiment, the communication lines 20 may comprise, alone or in combination, Integrated Services Digital Network (ISDN), Asymmetric Digital Subscriber Line (ADSL), T1 or T3 communication lines, hardwire lines, or telephone links It will be understood that the communication lines 20 may comprise other suitable types of data communication links. Communication lines 20 may also connect to a plurality of intermediate servers between network 18 and survey system 12, business system 14 and customer system 16.

In one embodiment, the network 18 may comprise dial access via a telephone link. In this embodiment, survey system 12, business system 14 and customer system 16 may be remote from each other and located anywhere in the world. In one embodiment, systems 12, 14 and 16 may connect and communicate with each other via modems and analog or digital communication lines. Moreover, the network 18 may be any interconnection found on any computer network such as a local area network (LAN), a wide area network (WAN), the Internet, or any other communications and data exchange systems created by connecting two or more computers.

As shown in FIG. 1, survey system 12 comprises matching server 22 and matching database 24. Matching server 22 may comprise a dedicated computer, with one or more processors, one or more input devices, one or more output devices, and one or more communication devices.

Business system 14 comprises business server 26 and business database 28. Business server 26 comprises mapping table 30. Mapping table 30 may be a relational data structure that provides a correlation between an input and an output. Business system 14 may further comprise one or more firewalls 32. In one embodiment, firewall 32 may be located between network 18 and business server 26. Firewall 32 protects business system 14 from both intentional and unintentional damage which could pass through network 18. Firewall 32 may comprise hardware such as a computer with security measures, e.g., a dial-back feature, or may comprise defensive coding software. In general, firewall 32 receives data from network 18, determines whether the data could be harmful and, if not, transmits the data to business system 14. In an alternative embodiment, one or more firewalls 32 may be placed between business server 26 and business database 28, between network 18 and matching server 22, between matching server 22 and matching database 24, or in any other suitable location.

Customer system 16 may be a personal computer that comprises a processor 34; one or more input devices, such as a keyboard 36 or a mouse 38; one or more output devices, such as a printer or display 40; and a communication device, such as a modem 42.

As will be described in more detail below, business system 14 communicates with survey system 12 through network 18. Business system 14 provides to survey system 12 a variety of information to customize the survey to be completed by a business' existing or potential customers, such as questions and answers, color choices, logos, advertisements, banners, services and products, product information, application information, or the like.

After a business has provided the necessary information to survey system 12, an existing or potential customer using customer system 16 communicates with survey system 12 through network 18 and provides information that may be used by survey system 12 to create a demographic characterization of that customer. This information may include income level, number of children, education level, gender, age, or the like. The customer then provides to survey system 12 responses to the series of survey questions previously chosen by the business. Survey system 12 may then process the data associated with numerous customers' demographics and survey responses in order to present product and service information to the customer while he or she is on-line and to prepare customized reports for the business. Business system 14 may then retrieve from survey system 12 through network 18 these customized reports, allowing the business to target its marketing efforts to specific potential customers who may be more likely to purchase specific products or services than other potential customers. Business system 14 may also retrieve from survey system 12 any applications received from customers requesting specific products or services.

FIG. 2 is a block diagram that illustrates the routing and exchange of various types of data within survey system 12. In general, survey system 12 prepares customized surveys based on data received from business system 14, characterizes customers based on demographic information, submits surveys to customers, stores responses to surveys, presents feedback to customers, presents product and service information to customers, receives applications from customers, and prepares reports for business system 14 to use for targeted marketing.

Survey system 12 may comprise a number of features designed to benefit customers in order to encourage them to complete the survey. For example, survey system 12 may provide to customer system 16 graphical reports that compare the customer's responses to the responses of other customers with the same demographics. Survey system 12 may also comprise a feature that allows a user of customer system 16 to retrieve information regarding a business' products or services and to apply for those products or services. The applications for the products or services may be stored by survey system 12 in matching database 24 for later retrieval by business system 14. Survey system 12 may also comprise a feature that allows a customer to partially complete the survey by storing data in matching database 24 regarding which survey question was last answered by the customer and on what date. When that customer later returns to complete more of the survey, survey system 12 may then present the subsequent question without requiring the customer to start again from the first question. In these situations in which the customer only partially completes the survey, survey system 12 may display a customized menu to show the user of customer system 16 what percentage of the survey he or she has completed and the date of the most recent visit. Survey system 12 may also comprise a feature that allows a customer to provide information regarding certain financial goals, such as retirement or education, and to graphically ascertain in real time what adjustments need to be made to meet those goals.

As shown in FIG. 2, survey system 12 comprises communication interface 44 and control unit 46. Communication interface 44 allows survey system 12 to communicate through network 18 with business system 14 and customer system 16. Control unit 46 comprises page generator 48, graphical report generator 49, survey creation/maintenance controller 50, and business report generator 51.

Page generator 48, graphical report generator 49, survey creation/maintenance controller 50, and business report generator 51 may all access matching database 24. Matching database 24 may comprise a plurality of tables containing useful data. These tables may include, among others, business identification table 52, customer identification table 54, customer navigation history table 56, customer response table 58, question and answer tables 60, survey flow table 61, banners/logos/advertisements/colors table 62, images table 64, product/service information table 65, application table 66, authorized entry identification table 68 and stored reports table 70. Customer response table 58 may comprise customer demographics 72 created by survey system 12 from information provided by customers, and application table 66 may comprise completed application table 74 with application information received from customers.

Page generator 48 may retrieve data from tables 52, 54, 56, 58, 60, 61, 62, 64, 65 and 66 in order to generate data sets which may be sent through communication interface 44 and network 18 to business system 14 or customer system 16. For example, page generator 48 may receive an identification number from customer system 16, as described in more detail below in connection with FIG. 3. Page generator 48 may match this identification number with data in business identification table 52 and customer identification table 54 in order to allow page generator 48 to retrieve the corresponding data from tables 56, 58, 60, 61, 62, 64, 65, and 66 that is associated with that particular business and that particular customer. Using the retrieved data, page generator 48 may generate the data sets and display them at customer system 16. Page generator 48 may also generate data sets in a similar manner for communication with business system 14. The data sets generated by page generator 48 may be used either to communicate information produced by survey system 12 to customers or businesses or to prompt customers or businesses to communicate information to survey system 12.

Thus, page generator 48 does not generate the same data sets for all customers, but instead generates data sets that are customized both for the business and for the customer. For example, when a user of customer system 16 accesses survey system 12, page generator 48 may determine which business is associated with that customer. After establishing this, page generator 48 may retrieve information regarding that business' preferences for presenting a survey for that customer, such as colors, banners, logos, advertisements, questions and answers, products, services and applications. Thus, page generator 48 presents different data sets depending on which business is involved. In addition, page generator 48 may also retrieve information regarding the customer, such as how the customer responded to demographic questions and which survey questions the customer has already answered. Page generator 48 may use this information in addition to the business-related information to generate data sets within the survey, such as by customizing the survey menu to show the percentage completed by that customer and the previous date of entry.

Page generator 48 may also determine which question to present next to the customer based on the business identification number and the customer's response to the previous question. The business identification number is used by page generator 48 to access the set of questions associated with that business in matching database 24. Thus, each business may choose a different set of questions that may be customized to include questions related to any or all products and services the business offers while omitting questions related to any products or services that it does not offer. The customer's response to the previous question may be used by page generator 48 to omit questions chosen by the business for inclusion in the survey but made irrelevant by the customer's previous response. For example, if a customer responds to a question that he or she rents housing, page generator 48 could skip subsequent questions relating to mortgage payments because they would not apply to that customer.

Page generator 48 may also present advertisements for products and services during the survey. These advertisements may be chosen based on the customer's demographics, as well as the subject matter of the associated survey questions. In addition, the advertisements may be chosen based on the combination of the customer's demographics and his or her responses to the previous survey questions. Thus, the choice of advertisements may be updated as the customer responds to survey questions and survey system 12 can better determine to which advertisements that particular customer will respond favorably.

In order to determine which advertisement to display initially, survey system 12 may compare the customer's demographics to the attributes of each previously established “demographic” profile. Survey system 12 may then select the “demographic” profile with matching attributes. Survey system 12 may then select the product or service with the highest probability of purchase for that “demographic” profile. Finally, survey system 12 may select from matching database 24 advertisements and/or links for those products or services to display for the customer. As the customer responds to the survey questions, survey system 12 may update the choice of advertisement by repeating the above process for profiles based on all data as opposed to profiles based on demographic data only. Thus, with each response from a customer, survey system 12 may update the s “all data” profile for that particular customer and choose a new advertisement from matching database 24 with a more reliable probability of purchase each time.

Graphical report generator 49 may use data processed by survey system 12 to generate graphical reports for users of customer system 16. These graphical reports show the customer how his or her survey responses compare to the survey responses of other customers with the same demographics. Thus, as with the data sets generated by page generator 48, these graphical reports are customized for each customer because the data presented will vary based on the particular customer's demographics. Graphical report generator 49 also comprises summary/what-if routine 76 which generates graphical summaries of the comparison data previously prepared by the graphical report generator 49. Summary/what-if routine 76 also generates graphical summaries of comparison data based on hypothetical adjustments made by a customer to his or her demographics, such as number of children, income level, or the like. The reports produced by graphical report generator 49 may be generated in real time and may be stored in matching database 24 in stored reports table 70.

Survey creation/maintenance controller 50 may retrieve data from and store data in matching database 24. Thus, the data retrieved by page generator 48 and graphical report generator 49 from tables 52, 54, 56, 58, 60, 61, 62, 64, 65 and 66 may be created and edited by survey creation/maintenance controller 50. According to one embodiment of the present invention, survey creation/maintenance controller 50 may be manipulated by a user of survey system 12 in order to establish customized surveys for businesses. In an alternative embodiment, a business may manipulate survey creation/maintenance controller 50 using business system 14 to create or edit its own survey.

Business report generator 51 may use data processed by survey system 12 to generate reports for users of business system 14. As described in more detail below in connection with FIGS. 6a-d, business report generator 51 may generate a variety of reports based on the data obtained through the demographics, survey responses, and planner information collected from customer systems 16.

Survey system 12 may further comprise an anonymity feature to ensure that the identity of a user of customer system 16 would only be available to the business. For example, a customer may be required to access business system 14 before being given access to survey system 12. While the customer is accessing business system 14, business system 14 may request a customer identification number, such as an account number or any other specially designated personal identification number(s). Business system 14 may then validate and encrypt the customer identification number using mapping table 30, with the customer identification number as the input and the encrypted number as the output. This encrypted number may then be provided to survey system 12 to identify that particular customer.

Therefore, unless a customer provides information while applying for products or services, survey system 12 may never have access to the original customer identification number, making it impossible for survey system 12 to identify the actual customer by name, address, or any other means. This anonymity feature will encourage users of customer system 16 to provide the personal information to survey system 12 that is beneficial for targeted marketing. If the customer does apply for a product or service and provides identifying information to survey system 12, this information may be stored in completed application table 74 of matching database 24 with security features designed to prevent unauthorized access. In addition, this identifying information may be immediately deleted from matching database 24 after it is retrieved by business system 14. Finally, as another security feature, the data entered by the customer may be encrypted before being transmitted from customer system 16 to survey system 12. In accordance with this feature, the data may be encoded using a mathematical formula, for example, that makes the data unreadable without the survey system's 12 key to decode it.

Survey system 12 further comprises a set of graphical planners 80 with which users of customer system 16 may set and see how to attain financial goals for various situations, such as retirement, education, vacation, or the like. These planners 80 are beneficial because they provide the user of customer system 16 the opportunity to easily see what adjustments, if any, the customer needs to make in order to meet his or her financial goals. This feature may be used as a reward for customers and may motivate them to access survey system 12 and provide responses to a survey. In addition, survey system 12 may store the data entered by a user of customer system 16 when setting these financial goals. Survey system 12 may then provide the data to the business via business system 14 to allow the business to help the customer attain those financial goals by marketing related products and services to that customer.

FIG. 3 is a flowchart showing one embodiment of a process through which a user of customer system 16 may access survey system 12. In this embodiment, a user of customer system 16 first accesses business system 14 through network 18, as shown in step 100. The method then proceeds to step 102 where business system 14 prompts the customer to enter a customer identification number. This customer identification number may comprise one or more identifying numbers or words, such as an account number, a name, a birth date, or the like. After the customer enters the identification number in step 104, business system 14 verifies that the identification number is valid, as shown in step 106. If the identification number is invalid, business system 14 notifies the customer and allows the customer to choose whether to enter a new number or contact the business, as shown in step 108. If the customer chooses to contact the business, business system 14 displays an e-mail page that prompts the customer to enter the necessary information to notify the business that the identification number is not being accepted, as shown in step 110. Otherwise, the customer is prompted to enter a new identification number in step 104.

Once the customer has entered a valid identification number, the method proceeds to step 112 where business system 14 presents an icon to allow the customer to access survey system 12. If the customer selects the icon, as shown in step 114, business system 14 encrypts the customer's identification number using mapping table 30, as shown in step 116. The method then proceeds to step 118 where business system 14 passes the encrypted customer identification number and the business' own identification number (s) to customer system 16 through network 18. Business system 14 then transfers the customer to survey system 12 in step 122. Finally, survey system 12 retrieves from customer system 16 the encrypted customer identification number and the business identification number(s) in step 124.

In an alternative embodiment, business system 14 may present an icon to allow the customer to access survey system 12 before business system 14 prompts the customer to enter a customer. identification number. If the customer then selects the icon, business system 14 may prompt the customer to enter a customer identification number. The method may then continue as before with step 104 in FIG. 3.

FIG. 4a is a process flow diagram showing an embodiment of the present invention from the perspective of a user of customer system 16. Block 126 shows the customer beginning by accessing business system 14. Through a process such as the one described in connection with FIG. 3, the customer then accesses survey system 12 in block 128, where survey system 12 displays a welcome message. If the customer has not accessed survey system 12 before, survey system 12 presents a demographics question page to the customer, as shown in block 130. This demographics question page prompts the customer to enter demographic information about himself or herself. This demographic information includes personal characteristics of the customer, such as income level, number of children, education level, age, gender, and the like. Survey system 12 may also present the demographics question page to customers who have accessed the survey system in the past if a certain period of time has passed, such as six months or one year, so that their demographic information can be updated. In addition, survey system 12 may prompt the customer upon each visit to update demographic information if any characteristics have changed since the previous visit.

In block 132, survey system 12 presents to the customer a main menu that allows the customer to choose which part of the survey to answer and also allows the customer to access the planners 80 to set financial goals. FIG. 4a shows two types of choices a customer could make from the main menu. If the customer wants to access the planners 80, he or she may choose the “goals” option. Survey system 12 may then present a goals menu, as shown in block 134. However, if the customer wants to access the survey, he or she may choose any one of the survey options from the main menu, such as the “spend” option. The customer may then be given the corresponding survey questions that were previously chosen by the business and stored in matching database 24, as shown in block 136. Within the survey section, the customer may receive feedback pages after answering each question or each few questions. Then survey system 12 may present a “what-if” page, as shown in block 138, after the customer has completed the survey section.

FIG. 4b is a screen shot depicting one embodiment of the main menu 500 presented by survey system 12 in block 132. This embodiment includes three survey options: borrow 502, spend 504, and save & invest 506. It will be understood that either fewer or more survey options may be included without departing from the scope of this invention. Planners 80 are accessed through the fourth option of goals 508. Main menu 500 may also be customized for each user of customer system 16 by displaying beneath the survey options 502, 504 and 506 a percentage-completed/date line 510 to inform the customer what percentage of that survey option he or she has already completed, as well as the date of the most recent visit.

Returning to FIG. 4a, if the customer chooses goals 508 in block 132, survey system 12 then presents a goals menu in block 134, along with a default planner 80. The goals menu may be presented in the form of a drop-down selection box that the user may select to access the goals menu. This goals menu may include any situation for which a customer might want to set goals. For example, this menu may include choices such as credit card, down payment, loan payoff, major purchase, retirement, tuition, vacation, wedding, and the like. It will be understood that other suitable choices relating to financial planning may be included in this menu without departing from the scope of this invention. After the customer chooses one of the options presented by the goals menu, the associated planner 80 is presented.

FIG. 4c is a screen shot depicting an exemplary planner 80, in particular a retirement planner 512. Retirement planner 512 comprises an input section 514, an output section 515, an information button 519, an apply button 520, a goals menu 521, a survey section selector 522, and a save goal button 523. Input section 514 allows a customer to input the necessary information relating to planning for retirement, such as current amount of savings, current age, retirement age, rate of interest, rate of inflation, monthly savings, monthly retirement income, and the like. Output section 515 shows the retirement savings increasing until the retirement age and, typically, decreasing afterwards. By adjusting the figures in input section 514, a customer can determine by simply looking at output section 515 what actions must be taken in order to reach his or her retirement goals. Planners 80 may comprise Java applets that are sent to customer system 16 through network 18 and which allow planners 80 to make real-time adjustments to output when the customer changes the input. In this way, the customer avoids the delay caused by requiring customer system 16 to send each change in input to survey system 12 through network 18 and survey system 12 to send the corresponding output back to customer system 16 through network 18. As an alternative to Java applets, this may be accomplished with any other minimal footprint application.

Thus, there is no need for the customer to submit one set of changes to the input information at a time and wait for the corresponding output. This makes possible features such as sliders 516 and arrows 517. Using sliders 516 and arrows 517, the customer may make continuous adjustments back and forth while viewing corresponding changes in the output section 515 in real time. For example, as the customer moves the slider 516 associated with retirement age to the right or left, the graph shown in the output section 515 expands or contracts to show the corresponding increase or decrease in savings before and after retirement. Arrows 517 may be used in the same manner to adjust the input information and thereby change the output section 515. Data cells 518 may also be used to adjust the input information, but data cells 518 allow the customer to input one specific number at a time, as opposed to the continuous changes possible with sliders 516 and arrows 517.

Information button 519 allows the customer to access information about products and/or services offered by the business relating to the specific financial goal the customer has chosen. Apply button 520 presents an application that allows the customer to apply for those products and/or services. Survey system 12 may automatically prepare and transmit an e-mail message to the business to indicate that such an application has been received and stored in completed application table 74 of matching database 24 for retrieval by business system 14. According to one embodiment, information button 519 may comprise adjacent text to inform the customer what type of information may be accessed by clicking on information button 519, and apply button 520 may also comprise adjacent text to inform the customer what type of product or service is available through the associated application. Survey system 12 may also store in matching database 24 the customer's identification number, as well as data relating to whether the customer chose information button 519 or apply button 520 and whether the customer submitted an application. This data may be used by business report generator 51 to generate reports for business system 14, as described in more detail below in connection with FIG. 6c.

As described above in connection with block 132 of FIG. 4a, the goals menu 521 may be presented in the form of a drop-down selection box. This goals menu 521 may include any situation for which a customer might want to set goals. At any time while the customer is using retirement planner 512 or any other planner 80 to set financial goals, the customer may select another option from the goals menu 521.

Survey system 12 will then present the appropriate planner 80. In addition, at any time while using the retirement planner 512 or any other planner 80, the customer may choose to switch to another survey section through the survey section selector 522, which may also be presented in the form of a drop-down selection box. For example, the customer may select “spend” from the survey section selector 522, and survey system 12 will then present the appropriate question from the spend section of the survey.

Save goal button 523 allows the customer to save the data entered into input section 514 for later retrieval. Survey system 12 may then provide the data to the business via business system 14 to allow the business to target marketing efforts for products and/or services related to the goals in which the customer showed an interest.

If, instead of choosing goals 508 from the main menu 500, a customer chooses one of the survey options, such as spend 504, the customer is then given the corresponding survey questions that were previously chosen by the business and stored in matching database 24, as shown in block 136 of FIG. 4a. The possible answers to each question may also be chosen by the business and stored in matching database 24, and they may be presented with both text and graphics. For example, FIG. 4d is a screen shot depicting an exemplary question 524 and possible textual and graphical answers 525 from a spend 504 survey section. This screen also includes the survey section selector 522 described above in connection with FIG. 4c to allow the customer to switch to another survey section at any time. Also shown in FIG. 4d are a back button 526 and a next button 528. If the customer decides that he or she wants to move backward to the previous screen, the customer may select the back button 526. Alternatively, the customer may select the next button 528 after choosing a response to a particular question. Selecting the next button 528 allows the customer to go forward to the next screen, which could be either another question or a feedback page.

FIG. 4e is a screen shot depicting an exemplary feedback page. A feedback page allows a customer to see after each question or after every few questions how his or her responses compare with other customers sharing the same or similar demographics. This feature may be used as another reward for customers to motivate them to respond to the survey. The feedback page pictured in FIG. 4e comprises one or more charts 530 and one or more comparison statements 532. Chart 530 could be a pie chart, a bar chart, a percentile chart, or the like. Chart 530 shows the customer how all other customers with the same or similar demographics have responded to the previous questions. Comparison statement 532 is a statement informing the customer of how the greatest portion of other customers with the same or similar demographics responded. On the feedback page, the customer may click on chart 530 or comparison statement 532 and survey system 12 will present a tally and percentages for each possible answer. Data represented in chart 530 and comparison statement 532 may be updated at regular intervals, such as once each hour or once each day. Alternatively, the data may be updated with every response so that each customer's responses are included in the data presented to that customer in the feedback page. Thus, the information presented in the feedback page may change at specified times to reflect new data received from users of customer system 16.

The feedback page also includes the survey section selector 522 described above in connection with FIG. 4c to allow the customer to switch to another survey section at any time. In addition, each feedback page may also comprise information button 519 and apply button 520. Information button 519 allows the customer to access information about products and/or services offered by the business relating to the material presented in the feedback page.

Apply button 520 allows the customer to apply for those products and/or services. This feature is beneficial to both the customer and the business. The customer has the convenience of applying for a product or service by simply clicking the apply button 520 and providing the appropriate information, while the business has the marketing advantage provided by the availability of this application to the customer in conjunction with the material presented in the feedback page. For example, a customer may learn from a feedback page that his or her peers generally have three credit cards, while he or she has only one. As soon as this information is presented, the customer has the option of clicking on the apply button 520 and applying for another credit card. Thus, this is one form of targeted marketing provided by the present invention. If a customer applies for a product or service in this manner, survey system 12 may also automatically prepare and transmit an e-mail message to the business to indicate that an application has been received and stored in matching database 24 for retrieval by business system 14.

According to one embodiment, information button 519 may comprise adjacent text to inform the customer what type of information may be accessed by clicking on information button 519, and apply button 520 may also comprise adjacent text to inform the customer what type of product or service is available through the associated application. Survey system 12 may also store in matching database 24 the customer's identification number, as well as data relating to whether the customer chose information button 519 or apply button 520 and whether the customer submitted an application. This data may be used by business report generator 51 to generate reports for business system 14, as described in more detail below in connection with FIG. 6c.

The feedback page also comprises a next button 538 to allow the customer to continue to the next screen and an exit button 540 to allow the customer to return to the main menu 500, as shown in FIG. 4b and in block 132 of FIG. 4a. If the customer chooses the next button 538, the customer will either continue to another question, such as the one shown in FIG. 4d , or will continue to a “what-if” page if the survey section has been completed.

After the customer has completed any one section of the survey, such as borrow 502, spend 504, or save & invest 506, survey system 12 presents a “what-if” page, as shown in block 138 of FIG. 4a. The “what-if” page displays the information previously communicated to the customer in all the feedback pages, such as the one shown in FIG. 4e, that are associated with that particular survey section. Thus, previously displayed charts 530 and comparison statements 532 are redisplayed for the customer to review. The “what-if” page also displays information that relates to topics not presented to the customer during the survey. These topics may not have been presented during the survey because the customer's response to a question made the topic irrelevant for that customer. The “what-if” page also allows the customer to make adjustments by changing his or her demographic parameters such as income level, number of children, and the like. Then survey system 12 displays the comparison information for the customer's hypothetical demographic. This allows the customer to see how his or her situation compares with others who have a demographic the customer wonders about or expects or hopes to have in the future. On the “what-if” page, the customer may also click on any one of the charts 530 or comparison statements 532 and survey system 12 will present a tally and percentages for each possible answer.

FIG. 4f is a screen shot depicting an exemplary “what-if” page. The “what-if” page may comprise a demographic line 542 and a feedback section 544. Demographic line 542 may be used by the customer to access the comparison data associated with the hypothetical demographic in which he or she is interested. This comparison data may then be displayed in feedback section 544. Initially, demographic line 542 may be preset to the customer's actual demographics, and feedback section 544 may display the associated comparison data. After making adjustments to the parameters in demographic line 542, the customer may click on the go button 546. Survey system 12 may then retrieve the appropriate data from matching database 24 and display that data in feedback section 544. The customer may continue to make adjustments and view the comparison data as often as he or she wishes. Feedback section 544 may comprise multiple charts 530 and comparison statements 532 that may be accessed through scrolling. The “what-if” page also includes the survey section selector 522 described above in connection with FIG. 4c to allow the customer to switch to another survey section at any time.

In addition, each “what-if” page may also comprise information button 519 and apply button 520. Information button 519 allows the customer to access information about products and/or services offered by the business. Apply button 520 allows the customer to apply for those products and/or services. Information button 519 may comprise adjacent text to inform the customer what type of information may be accessed by clicking on information button 519, and apply button 520 may also comprise adjacent text to inform the customer what type of product or service is available through the associated application. Survey system 12 may also store in matching database 24 the customer's identification number, as well as data relating to whether the customer chose information button 519 or apply button 520 and whether the customer submitted an application. This data may be used by business report generator 51 to generate reports for business system 14, as described in more detail below in connection with FIG. 6c.

FIGS. 5a-d are flowcharts showing one embodiment of the present invention. At step 140 of FIG. 5a, survey system 12 presents a welcome display to the user of customer system 16. Next survey system 12 determines whether the customer has entered demographic information previously or whether a certain amount of time has passed since the customer entered demographic information, as shown in step 142. If the customer is new or enough time has passed since the customer entered demographic information, survey system 12 then presents the demographics question page to the customer in step 144. Alternatively, the customer may choose to have the demographics question page presented if any characteristics have changed since the previous visit. The demographics question page prompts the customer to enter information relating to the customer's income level, age, gender, and the like. After the information has been entered by the customer, survey system U stores the demographic information in matching database 24, as shown in step 146. If the customer was not required to enter demographic information or after the demographic information has been stored, survey system 12 next presents to the customer the main menu 500 in step 148.

The customer then selects an option from the main menu 500, and survey system 12 responds in one of two ways based on which icon the customer selects, as shown in step 150. The customer may select an icon for either goals 508 or one of the survey options 502, 504 or 506.

As shown in FIGS. 5a and 5b, if the customer selects goals 508 in step 150, survey system 12 presents a default planner 80 by sending an applet created using Java or any other suitable applet technology to customer system 16, as shown in step 151. Survey system 12 also presents a goals menu 521 in step 152 that allows the customer to access a planner 80 other than the one originally presented by choosing a new goal type. If the customer selects a new goal type, survey system 12 searches matching database 24 to determine whether or not the customer has previously saved input information for that goal type, as shown in step 154. If the customer has saved input information, survey system 12 retrieves the saved data in step 156. This saved data will be automatically entered into the appropriate fields of the input section 514 of the planner 80. If the customer has not saved input information for that goal type, default input information is entered into the input section 514 of the planner 80. At this point, the customer may enter new input information or change saved input information, as shown in step 160, in order to adjust the output section 515, as shown in step 162, until the results are satisfactory to the customer. As the customer changes the input information, the results in output section 515 are adjusted dynamically in real time. The customer may change the input information to see in real time the corresponding output as often as desired, as indicated in steps 160 and 162. Once the customer has finished making adjustments to the input information, the customer may choose an option that will save the input information for future use, as shown in step 164. If the customer chooses this option, survey system 12 will save the data entered into input section 514 in matching database 24 in step 166. Survey system 12 may then provide the data to the business to allow the business to help the customer attain those financial goals by marketing related products and services to that customer.

While the customer is using the planner 80, he or she may also select the information button 519, as shown in step 170, or the apply button 520, as shown in step 176. If the customer selects the information button 519, survey system 12 presents the related information about the business' products and/or services, as shown in step 172. On the other hand, if the customer selects the apply button 520, survey system 12 presents the related application for the business' products and/or services in step 178. After the customer has entered the requested information, survey system 12 formats the data and transmits it to the completed application table 74 of matching database 24 in step 180 for storage and later retrieval by the business. Survey system 12 may automatically prepare and transmit an e-mail message to the business to indicate that such an application has been received. Survey system 12 may also store in matching database 24 the customer's identification number, as well as data relating to whether the customer chose information button 519 or apply button 520 and whether the customer submitted an application. This data may be used by business report generator 51 to generate reports for business system 14.

While using the planner 80, the customer may also choose the survey section selector 522, as shown in step 181. If the customer chooses to switch to a survey section, survey system 12 will present the appropriate question as shown at step 184 in FIG. 5c.

The customer may also decide to exit the planners 80 or to select a new goal type, as shown in step 182. If the customer decides to exit the planners 80, he or she will be returned to the main menu 500, at step 148 in FIG. 5a. If the customer decides to select a new goal type, survey system 12 returns to step 152 to allow the customer to make the new selection.

Returning to the customer's choice of options in the main menu 500, as shown in step 148 of FIG. 5a, the customer may select an icon related to one of the survey options, 502, 504 or 506. In this situation, survey system 12 presents a question from the corresponding survey section to the customer in step 184, as shown in FIG. 5c. While viewing the question, the customer may also choose the survey section selector 522, as shown in step 185. If the customer chooses to switch to another survey section, survey system 12 will present the appropriate question as shown at step 184 in FIG. 5c. However, if the customer chooses a response to the presented question in step 186, survey system 12 stores the response in matching database 24, as shown in step 188. Survey system 12 also stores data to indicate that the customer has answered this particular question. Survey system 12 may use this data to customize the main menu 500 with a percentage-completed/date line 510 and to allow the customer to return to the following question when returning to the survey after completing only part of it. After storing the response and related data, survey system 12 determines whether or not there is a feedback page to be presented at this point in the survey in step 190. If not, survey system 12 determines which question to present next based on the business identification number and the customer's previous response, as shown in step 191. The method then proceeds to step 184 where survey system 12 presents the next appropriate question. However, if at step 190 it is determined that there is a feedback page to be presented, survey system 12 presents the appropriate feedback page with the comparison data compiled from the responses of customers with the same or similar demographics as the current customer, as shown in step 192. Survey system 12 will also present a tally and percentages for each possible answer if the customer clicks on chart 530 or comparison statement 532.

While the customer is viewing the feedback page, he or she may also select the information button 519, as shown in step 194, or the apply button 520, as shown in step 200. If the customer selects the information button 519, survey system 12 presents the related information about the business' products and/or services, as shown in step 196. On the other hand, if the customer selects the apply button 520, survey system 12 presents the related application for the business' products and/or services in step 202. After the customer has entered the requested information, survey system 12 formats the data and transmits it to the completed application table 74 of matching database 24 in step 204 for storage and later retrieval by the business. Survey system 12 may automatically prepare and transmit an e-mail message to the business to indicate that such an application has been received. Survey system 12 may also store in matching database 24 the customer's identification number, as well as data relating to whether the customer chose information button 519 or apply button 520 and whether the customer submitted an application. This data may be used by business report generator 51 to generate reports for business system 14.

While viewing the feedback page, the customer may also choose the survey section selector 522, as shown in step 205. If the customer chooses to switch to another survey section, survey system 12 will present the appropriate question as shown at step 184.

Also while viewing the feedback page, the customer may select the exit button 540, as shown in step 206. If the exit button 540 is selected, the customer is returned to the main menu 500 in step 148 of FIG. 5a. Otherwise, survey system 12 determines whether the survey section has been completed, as shown in step 207. If the survey section has not been completed and the customer selects the next button 538, survey system 12 presents the next question in step 184.

However, if the survey section has been completed, survey system 12 displays a “what-if” page in step 208 of FIG. 5d . The “what-if” page displays the information previously communicated to the customer in all the feedback pages that are associated with that particular survey section. Thus, previously displayed charts 530 and comparison statements 532 are redisplayed for the customer to review. In addition, charts 530 and comparison statements 532 are generated and displayed that relate to topics not presented to the customer during the survey. For example, if during the survey the customer responded to a question that he or she rents housing, questions regarding mortgage payments would not have been presented to that customer. However, the “what-if” page allows the customer to see the charts 530 and comparison statements 532 that would have been presented in the feedback pages associated with the mortgage-related questions. Survey system 12 will also display a tally and percentages for each possible answer if the customer clicks on one of the charts 530 or comparison statements 532.

While viewing the “what-if” page, the customer may choose to exit the page and return to the main menu 500 in step 209. In this case, survey system 12 will return to step 148 in FIG. 5a. If the customer does not choose to return to the main menu 500, survey system 12 continues to display the “what-if” page with the demographic of the customer or, if adjustments are made by the customer as described below, with the hypothetical demographic.

While the customer is viewing the “what-if” page, he or she may also select the information button 519, as shown in step 210, or the apply button 520, as shown in step 212. If the customer selects the information button 519, survey system 12 presents the related information about the business' products and/or services, as shown in step 211. On the other hand, if the customer selects the apply button 520, survey system 12 presents the related application for the business' products and/or services in step 213. After the customer has entered the requested information, survey system 12 formats the data and transmits it to the completed application table 74 of matching database 24 in step 214 for storage and later retrieval by the business. Survey system 12 may automatically prepare and transmit an e-mail message to the business to indicate that such an application has been received. Survey system 12 may also store in matching database 24 the customer's identification number, as well as data relating to whether the customer chose information button 519 or apply button 520 and whether the customer submitted an application. This data may be used by business report generator 51 to generate reports for business system 14.

While viewing the “what-if” page, the customer may also choose the survey section selector 522, as shown in step 215. If the customer chooses to switch to another survey section, survey system 12 will present the appropriate question as shown at step 184 of FIG. 5c.

The “what-if” page also allows the customer to make adjustments by making changes to his or her income level, number of children, education level, or the like, as shown in step 216. Then survey system 12 displays the charts 530 and comparison statements 532 for the customer's hypothetical demographic, as shown in step 217. This allows the customer to see how his or her responses compare with others who have a demographic the customer expects or hopes to have in the future.

FIG. 6a is a diagram showing an embodiment of the present invention from the perspective of a user of business system 14, such as a business representative. Block 218 shows the business representative beginning by accessing survey system 12. In block 220, survey system 12 presents to the business representative a business menu that allows the business representative to choose from several different options. This embodiment includes five options: demonstration, features, results, company, and contact us.

FIG. 6a shows one path a business representative might take through the various menus offered by survey system 12. Other possible paths will be described below. If the business representative selects the “results” option from the business menu, he or she will be presented with a login screen, as shown in block 222. At the login screen, the business representative will be prompted by survey system 12 to supply identifying information, such as a business identification number, password, or the like. Survey system 12 then compares this information with the data stored in authorized entry identification table 68 of matching database 24 to determine whether or not the user of business system 14 should be granted access to the information stored in and the reports generated by survey system 12. If the business representative enters invalid identifying information, as shown in block 224, survey system 12 provides an invalid menu that gives the business representative the option of resubmitting new identifying information or contacting the survey management company. If the business representative chooses to contact the survey management company, survey system 12 displays an e-mail page that prompts the business representative to enter the necessary information to notify the survey management company that the identifying information is not being accepted. Otherwise, the business representative is prompted to enter new identifying information in block 222.

Once the identifying information has been validated, survey system 12 provides an entry menu, as shown in block 226. At this screen, the business representative may choose to access the customized survey for his or her business, to access the reports prepared by survey system 12, to retrieve the applications submitted by users of customer system 16, or to perform administrative functions such as granting or removing authorized entry status to users of business system 14. If the business representative chooses to access the reports, survey system 12 presents a report menu, as shown in block 228. This report menu may comprise options such as customer response data, demographic profiles, TargetMatch, and InterestMatch. It will be understood that the report menu may comprise other suitable options without departing from the scope of this invention. Choosing InterestMatch allows the business representative to access the reports that show how likely users of customer system 16 are to respond to marketing efforts for a particular product or service. For example, if the business representative selects InterestMatch, survey system 12 presents an InterestMatch menu, as shown in block 230. This InterestMatch menu may list any or all of the business' products and services.

Next the business representative chooses an analysis report for a specific product or service, such as Product B. As shown in block 232, this will cause survey system 12 to present yet another menu, allowing the business representative to choose between such options as “demographic data only” or “all data.” These options allow the business representative to choose what types of data to use as a basis for the reports. Choosing “demographic data only” will cause business report generator 51 to generate a report based only on the customers' demographic data. Choosing “all data” will cause business report generator 51 to generate a report based on demographic data, psychographic data, and all other data. Psychographic data includes behavioral characteristics of each customer. This data is obtained from the customers' responses to the survey questions relating to behavior or lifestyle. For example, reports generated from demographic data only could be based on each customer's income level. However, reports generated from all data could also be based on each customer's response to a question about how much money he or she would give away after unexpectedly receiving a large amount of money. Thus, these reports would be based not only on the factual demographic information provided by the customer, but also on less tangible behavioral factors that can be measured through his or her survey responses. It will be understood that other suitable options may be presented by survey system 12 on which to base reports without departing from the scope of this invention.

Once the business representative decides on this option, survey system 12 displays the analysis of the data associated with the pre-selected product or service. This analysis may include probabilities that were determined by using a commercially available statistical processing program, such as one provided by Statistical Product & Service Solutions. According to one embodiment of the present invention, input data for the statistical processing program may be retrieved by survey system 12 from matching database 24 and may comprise the business identification number, the specific product or service (dependent variable), customer identification numbers, customer demographics (attributes), and customer responses (attributes). The statistical processing program may then segment the data and predict probabilities of purchase. This may be accomplished by detecting the influence of attributes on the dependent variable, modeling continuous and non-continuous data and missing data, detecting statistically significant differences among groups of customers, merging non-significant groups of data, and creating decision rules. The output data from the statistical processing program may comprise profile numbers, profile rules, profile attributes, and profile probabilities. At this point, survey system 12 may extract the customer identification numbers from matching database 24 that match the profile attributes in the profile rules. Survey system 12 may then remove the customer identification numbers of those customers who indicated they already have the product or are using the service. Business report generator 51 may then generate a report for each profile showing the remaining customer identification numbers, the profile number, the profile probabilities, and the profile attributes. Returning to our example using Product B, survey system 12 may then present the report for Product B by listing the encrypted identification numbers of users of customer system 16 along with the probabilities that the customers with those identification numbers will purchase Product B. This is shown in block 234.

FIG. 6b is a screen shot showing an exemplary report 554 for a business representative generated by business report generator 51. This example includes a basis statement 556 that notifies the business representative which data was used to prepare the report 554. The report 554 may also include a product/service identifier 558. Columns in the report 554 may include customer identification number 560, probability of purchase 562, and link to probability profile 564. FIG. 6b also shows a probability profile 566 that might be displayed if a business representative selects a particular link in the link-to-probability-profile column 564. The information displayed in probability profile 566 would show the business representative which attributes in the profile were shared by users of customer system 16 that have the associated probability of purchase. This probability profile 566 may comprise three columns, such as profile number 567, probability 568, and profile description 570. Profile number column 567 would identify the corresponding probability profile, as shown in the link-to-probability-profile column 564. Probability column 568 would repeat the probability of purchase as shown in the probability-of-purchase column 562 of the report 554. Profile description column 570 would show the profile attributes associated with that set of customers. The profile may be a group of common characteristics of the set of customers who share the same probability of purchase. This profile may include demographic as well as psychographic data.

Returning to FIG. 6a, the business representative could select options other than InterestMatch from the report menu in block 228. If the business representative selected customer response data, business report generator 51 would present customer demographic and survey response data. This data could be presented in a spreadsheet, in a comma or tab delimited file, or by any other suitable method or format. If the business representative selected the “demographic profiles” option, business report generator 51 would present graphical depictions of the demographic data for users of customer system 16.

If the business representative selected the TargetMatch option from the report menu, business report generator 51 would present information regarding users of customer system 16 who had previously requested information on or applications for particular products or services. This information could be presented either as month-to-date or year-to-date tallies or as a list of encrypted customer identification numbers.

FIG. 6c is a screen shot depicting one embodiment of a TargetMatch report 600 prepared according to one embodiment of the present invention. Every time a customer selects information button 519 or apply button 520, survey system 12 may store that customer's identification number in matching database 24 along with the corresponding selection made by the customer. Survey system 12 may also store similar data each time a customer submits an application. When a business representative selects TargetMatch as an option from report menu, business report generator 51 may generate in real time a TargetMatch report 600 from the data previously stored in matching database 24. As shown in FIG. 6c, TargetMatch report 600 may comprise both monthly and yearly tallies for each customer selection, such as information tally, apply tally and submit tally. These tallies may be further broken down into separate tallies for each product or service which may be presented when the business representative makes his or her selection. Thus, as shown in TargetMatch report 600, during this year, ten customers have selected the information button to view information regarding credit cards, five customers have selected the apply button in connection with credit cards, and two customers have actually submitted an application for a credit card. According to one embodiment of the present invention, the business representative may click on any of the numbers listed in TargetMatch report 600 for more information. Business report generator 51 may then generate in real time a list of customer identification numbers that identify to the business those customers who requested the information or application or who submitted an application. Thus, the business may use this as a tool to target marketing efforts for a specific product or service to a particular customer who has shown an interest by requesting information or an application, but who did not submit an application.

According to one embodiment of the present invention, a business representative would have the option of choosing “results tracking & measurement” from the menu presented in block 232 of FIG. 6a. This would cause survey system 12 to present a chart listing each customer's identification number along with the probability of purchase for that customer as reported to the business by survey system 12. The business representative would then be asked to supply information regarding each customer, such as whether or not targeted marketing was performed and whether or not that customer purchased the associated product or service. This information supplied by the business representative would then be used by survey system 12 to refine the algorithms used to determine probabilities of purchase, which would make future predictions of probabilities more accurate.

FIG. 6d is a screen shot depicting one embodiment of the business menu 620 presented by survey system 12 in block 220 of FIG. 6a. From the business menu 620, the business representative could choose the option of results 626, as described above. The business representative could also select other options from the business menu 620. If the business representative selected demonstration 622, survey system 12 would present to the business representative a series of demonstration screens to show the business representative how survey system 12 functions. Selecting features 624 would allow the business representative to view information regarding the various features offered by survey system 12, while selecting company 628 would allow the business representative to view information regarding the survey management company. Finally, if the business representative selected the “contact us” option 630, survey system 12 would present an e-mail page that would prompt the business representative to enter the necessary information to notify the survey management company that the business representative would like more information or would like to set up a survey system for potential and/or existing customers.

The present invention benefits the business by allowing it to survey specific customers and to identify ones of such customers that might want to purchase particular products or services. This is accomplished by encouraging the customer to complete a series of profiling questions. The customer wants to do this because at the end of the process the customer can compare his situation relative to his peers. The customer is also allowed to explore various “what-if” scenarios to see how his relative position changes when various elements of his demographics are altered. Accordingly, the customer receives valuable evaluative information as a result of the process and the business receives information that allows for highly-defined targeted marketing efforts. All of this may be accomplished in the convenient, non-intrusive environment of an on-line interaction.

Accordingly, an integrated system is provided that prepares customized surveys, characterizes existing and potential customers, submits surveys to customers, stores responses to surveys, allows customers to retrieve product and service information, allows customers to apply for specific products and services, and prepares reports for businesses to use for targeted marketing. In addition, this system provides graphical reports for customers that compare their responses to the responses of others with the same or similar demographics. This system also allows a customer to provide information regarding financial goals and to graphically ascertain what adjustments need to be made to meet those goals.

While the invention has been particularly shown and described by the foregoing detailed description, it will be understood by those skilled in the art that various other changes in form and detail may be made without departing from the spirit and scope of the invention.

Claims (28)

1. A method of compiling customer data using an online interaction between a customer and a survey system, comprising:
providing, by a computer, the customer with customer questions;
receiving, by the computer, responses to the customer questions from the customer;
storing, by the computer, data associated with the responses in the survey system;
providing, by the computer, the customer with a feedback page, graphically illustrating data associated with corresponding to the customer's standing in a selected peer group associated with the customer;
providing, by the computer, the customer with options operable to adjust the customer's actual demographic to a hypothetical demographic;
receiving and processing, by the computer, data associated with hypothetical demographic changes from the customer; and
displaying, by the computer, hypothetical feedback information, graphically illustrating the hypothetical standing of the customer within the selected peer group such that the customer can see the effect of the hypothetical demographic changes.
2. The method of claim 1, wherein the customer questions comprise a primary set of questions and a secondary set of questions.
3. The method of claim 2, wherein the primary set of questions relates to the customer's demographic and wherein the customer's demographic includes personal information about the customer.
4. The method of claim 2, wherein the secondary set of questions forms a plurality of survey sections and wherein the secondary set of questions comprises both questions that relate to a business' products or services and questions that relate to the customer's psychographic traits.
5. The method of claim 1, wherein the customer question provided is chosen based on the customer's response to the previous customer question and on a business identification number.
6. The method of claim 1, wherein the feedback page is generated based on the customer's responses to the customer questions.
7. The method of claim 1, wherein the possible answers to the customer questions include graphics illustrative of and associated with at least some of the answers.
8. The method of claim 1, further comprising presenting, by the computer, the customer with an online option associated with an opportunity to gain pertinent information related to and apply for or purchase products or services.
9. The method of claim 8, further comprising sending, by the computer, a message to a business offering the products or services regarding the application or request for the products or services.
10. A method of compiling customer data using an online interaction between a customer and a survey system, comprising:
providing the customer with customer questions;
receiving responses to the customer questions from the customer;
storing data associated with the responses in the survey system;
providing the customer with a feedback page, graphically illustrating data associated with the customer's standing in a selected peer group;
providing the customer with options operable to adjust the customer's actual demographic to a hypothetical demographic;
receiving and processing data associated with hypothetical demographic, changes from the customer;
displaying hypothetical feedback information, graphically illustrating the hypothetical standing of the customer within the selected peer group such that the customer can see the effect of the hypothetical demographic changes; The method of claim 1, further comprising:
receiving, by the computer, a business identification number and a customer identification number;
matching, by the computer, the business identification number with data in at least one table;
matching, by the computer, the customer identification number with data in at least one table; and
generating, by the computer, data sets for display based on the data in the at least one table.
11. The method of claim 1, further comprising providing, by the computer, a business with compiled customer profile information where the customer is identified as a particular existing customer of the business.
12. The method of claim 1, further comprising providing, by the computer, percentage completion and date information to the customer based on the percentage of the customer questions that have been answered by the customer and the date of the most recent visit to the survey system by the customer.
13. The method of claim 1, further comprising providing, by the computer, goal planners to the customer.
14. The method of claim 13, wherein the goal planners include output graphics associated with the output of the goal planners and wherein the output graphics change in real time in response to changes in the input to the goal planners.
15. A customer survey system, comprising:
a business interface operable to interact with a data processing system associated with a business;
a customer interface operable to interact with a data processing system associated with a customer; and
a survey system operable to supply the customer data processing system with customer questions, receive and store responses, provide a feedback page, provide what-if options, receive hypothetical demographic changes, and display hypothetical feedback information.
16. The system of claim 15, wherein the customer question provided is chosen based on the customer's response to the previous customer question and on a business identification number.
17. The system of claim 15, wherein the feedback page is generated based on the customer's responses to the customer questions.
18. The system of claim 15, wherein the survey system is further operable to present the customer with an online option associated with an opportunity to gain pertinent information related to and apply for or purchase products or services.
19. The system of claim 18, wherein the survey system is further operable to send a message to a business offering the products or services regarding the application or request for the products or services.
20. A customer survey system, comprising:
a business interface operable to interact with a data processing system associated with a business;
a customer interface operable to interact with a data processing system associated with a customer;
a survey system operable to supply the customer data processing system with customer questions, receive and store responses, provide a feedback page, provide what-if options, receive hypothetical demographic changes, display hypothetical feedback information, receive a business identification number and a customer identification number, match the business identification number with data in at least one table, match the customer identification number with data in at least one table, and generate data sets for display based on the data in the at least one table.
21. The system of claim 15, wherein the survey system is further operable to provide percentage completion and date information to the customer based on the percentage of the customer questions that have been answered by the customer and the date of the most recent visit to the survey system by the customer.
22. The system of claim 15, wherein the survey system is further operable to generate data sets for display based on data accessed in at least one table and wherein the data accessed by the survey system is associated with a specific business or customer.
23. A customer survey system, comprising:
a business interface operable to interact with a data processing system associated with a business;
a customer interface operable to interact with a data processing system associated with a customer; and
a survey system operable to supply the business data processing system with targeted marketing reports, the targeted marketing reports dynamically generated based on a set of decision rules, the set of decision rules dynamically generated based on data received from the customers.
24. The system of claim 23, wherein the targeted marketing reports comprise a probability associated with at least one customer regarding the likelihood that the customer will purchase a specific product or service.
25. The system of claim 24, wherein the survey system is further operable to generate targeted advertisements for each customer based on the data in the targeted marketing reports.
26. The method of claim 13, further comprising:
receiving, by the computer, goal input data from the customer, the goal input data related to a goal associated with the goal planners; and
storing, by the computer, the goal input data for the customer.
27. The system of claim 15, the survey system further operable to provide goal planners to the customer, to receive coal input data from the customer, the goal input data related to a goal associated with the goal planners, and to store the coal input data for the customer.
28. The system of claim 15, the survey system further operable to generate targeted advertisements for each customer based on data received from the customers.
US09966845 1998-09-29 2001-09-28 System and method for profiling customers for targeted marketing Active - Reinstated USRE42869E1 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
US09162825 US6236975B1 (en) 1998-09-29 1998-09-29 System and method for profiling customers for targeted marketing
US09966845 USRE42869E1 (en) 1998-09-29 2001-09-28 System and method for profiling customers for targeted marketing

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US09966845 USRE42869E1 (en) 1998-09-29 2001-09-28 System and method for profiling customers for targeted marketing
US13280003 US20120109711A1 (en) 1998-09-29 2011-10-24 System and method for profiling customers for targeted marketing

Related Parent Applications (1)

Application Number Title Priority Date Filing Date
US09162825 Reissue US6236975B1 (en) 1998-09-29 1998-09-29 System and method for profiling customers for targeted marketing

Related Child Applications (1)

Application Number Title Priority Date Filing Date
US13280003 Division US20120109711A1 (en) 1998-09-29 2011-10-24 System and method for profiling customers for targeted marketing

Publications (1)

Publication Number Publication Date
USRE42869E1 true USRE42869E1 (en) 2011-10-25

Family

ID=22587281

Family Applications (3)

Application Number Title Priority Date Filing Date
US09162825 Active US6236975B1 (en) 1998-09-29 1998-09-29 System and method for profiling customers for targeted marketing
US09966845 Active - Reinstated USRE42869E1 (en) 1998-09-29 2001-09-28 System and method for profiling customers for targeted marketing
US13280003 Abandoned US20120109711A1 (en) 1998-09-29 2011-10-24 System and method for profiling customers for targeted marketing

Family Applications Before (1)

Application Number Title Priority Date Filing Date
US09162825 Active US6236975B1 (en) 1998-09-29 1998-09-29 System and method for profiling customers for targeted marketing

Family Applications After (1)

Application Number Title Priority Date Filing Date
US13280003 Abandoned US20120109711A1 (en) 1998-09-29 2011-10-24 System and method for profiling customers for targeted marketing

Country Status (1)

Country Link
US (3) US6236975B1 (en)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090299850A1 (en) * 2008-05-30 2009-12-03 Nhn Corporation Computing system and computer-implemented method of providing targeted advertisement using account space
US20110029365A1 (en) * 2009-07-28 2011-02-03 Beezag Inc. Targeting Multimedia Content Based On Authenticity Of Marketing Data
US9525687B2 (en) 2012-12-28 2016-12-20 Wal-Mart Stores, Inc. Template for customer attributes

Families Citing this family (417)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5903454A (en) 1991-12-23 1999-05-11 Hoffberg; Linda Irene Human-factored interface corporating adaptive pattern recognition based controller apparatus
USRE46310E1 (en) 1991-12-23 2017-02-14 Blanding Hovenweep, Llc Ergonomic man-machine interface incorporating adaptive pattern recognition based control system
US8352400B2 (en) 1991-12-23 2013-01-08 Hoffberg Steven M Adaptive pattern recognition based controller apparatus and method and human-factored interface therefore
US7904187B2 (en) 1999-02-01 2011-03-08 Hoffberg Steven M Internet appliance system and method
US5561377A (en) 1995-04-14 1996-10-01 Cascade Microtech, Inc. System for evaluating probing networks
US7895076B2 (en) 1995-06-30 2011-02-22 Sony Computer Entertainment Inc. Advertisement insertion, profiling, impression, and feedback
US6999938B1 (en) 1996-06-10 2006-02-14 Libman Richard M Automated reply generation direct marketing system
US7774230B2 (en) 1996-06-10 2010-08-10 Phoenix Licensing, Llc System, method, and computer program product for selecting and presenting financial products and services
US5987434A (en) * 1996-06-10 1999-11-16 Libman; Richard Marc Apparatus and method for transacting marketing and sales of financial products
US20060288367A1 (en) * 2005-06-16 2006-12-21 Swix Scott R Systems, methods and products for tailoring and bundling content
US8640160B2 (en) 1997-01-06 2014-01-28 At&T Intellectual Property I, L.P. Method and system for providing targeted advertisements
US7802276B2 (en) * 1997-01-06 2010-09-21 At&T Intellectual Property I, L.P. Systems, methods and products for assessing subscriber content access
US20060253884A1 (en) * 1997-01-06 2006-11-09 Gray James H Methods and systems for network based capture of television viewer generated clickstreams
DE69837194D1 (en) * 1997-01-06 2007-04-12 Bellsouth Intellect Pty Corp Method and system for network usage tracking
US20060075456A1 (en) * 1997-01-06 2006-04-06 Gray James Harold Methods and systems for collaborative capture of television viewer generated clickstreams
US20030204426A1 (en) * 1999-06-18 2003-10-30 American Management Systems, Inc. Decision management system which searches for strategy components
US6609120B1 (en) 1998-03-05 2003-08-19 American Management Systems, Inc. Decision management system which automatically searches for strategy components in a strategy
US6601034B1 (en) 1998-03-05 2003-07-29 American Management Systems, Inc. Decision management system which is cross-function, cross-industry and cross-platform
US6546545B1 (en) 1998-03-05 2003-04-08 American Management Systems, Inc. Versioning in a rules based decision management system
US8364578B1 (en) 1998-03-05 2013-01-29 Cgi Technologies And Solutions Inc. Simultaneous customer/account strategy execution in a decision management system
US20080097830A1 (en) * 1999-09-21 2008-04-24 Interpols Network Incorporated Systems and methods for interactively delivering self-contained advertisement units to a web browser
US6189008B1 (en) * 1998-04-03 2001-02-13 Intertainer, Inc. Dynamic digital asset management
US6763336B1 (en) 1998-07-20 2004-07-13 Usa Technologies, Inc. Method of transacting an electronic mail, an electronic commerce, and an electronic business transaction by an electronic commerce terminal using a wirelessly networked plurality of portable digital devices
US6807532B1 (en) * 1998-07-20 2004-10-19 Usa Technologies, Inc. Method of soliciting a user to input survey data at an electronic commerce terminal
US6601037B1 (en) 1998-07-20 2003-07-29 Usa Technologies, Inc. System and method of processing credit card, e-commerce, and e-business transactions without the merchant incurring transaction processing fees or charges worldwide
US6604087B1 (en) 1998-07-20 2003-08-05 Usa Technologies, Inc. Vending access to the internet, business application software, e-commerce, and e-business in a hotel room
US6615183B1 (en) 1998-07-20 2003-09-02 Usa Technologies, Inc. Method of warehousing user data entered at an electronic commerce terminal
US6611810B1 (en) 1998-07-20 2003-08-26 Usa Technologies, Inc. Store display window connected to an electronic commerce terminal
US6604085B1 (en) 1998-07-20 2003-08-05 Usa Technologies, Inc. Universal interactive advertising and payment system network for public access electronic commerce and business related products and services
US6609102B2 (en) 1998-07-20 2003-08-19 Usa Technologies, Inc. Universal interactive advertizing and payment system for public access electronic commerce and business related products and services
US6601039B1 (en) 1998-07-20 2003-07-29 Usa Technologies, Inc. Gas pump control system having access to the internet for the purposes of transacting e-mail, e-commerce, and e-business, and for conducting vending transactions
US6601038B1 (en) 1998-07-20 2003-07-29 Usa Technologies, Inc. Delivery of goods and services resultant from an electronic commerce transaction by way of a pack and ship type company
US6606602B1 (en) 1998-07-20 2003-08-12 Usa Technologies, Inc. Vending machine control system having access to the internet for the purposes of transacting e-mail, e-commerce, and e-business, and for conducting vending transactions
US6604086B1 (en) 1998-07-20 2003-08-05 Usa Technologies, Inc. Electronic commerce terminal connected to a vending machine operable as a telephone
US6317881B1 (en) * 1998-11-04 2001-11-13 Intel Corporation Method and apparatus for collecting and providing viewer feedback to a broadcast
US6193518B1 (en) * 1998-11-20 2001-02-27 Tina M. Nocera Method for developing answer-options to issue-questions relating to child-development
US6922672B1 (en) * 1999-01-15 2005-07-26 International Business Machines Corporation Dynamic method and apparatus for target promotion
GB9902480D0 (en) * 1999-02-05 1999-03-24 Ncr Int Inc Method and apparatus for advertising over a communications network
US6594638B1 (en) * 1999-04-07 2003-07-15 Netstakes, Inc. On-line method and apparatus for collecting demographic information about a user of a world-wide-web site and dynamically selecting questions to present to the user
US6542913B1 (en) 1999-04-23 2003-04-01 Xerox Corporation Integrated document output management in a hybrid environment
US6681369B2 (en) * 1999-05-05 2004-01-20 Xerox Corporation System for providing document change information for a community of users
US6321179B1 (en) * 1999-06-29 2001-11-20 Xerox Corporation System and method for using noisy collaborative filtering to rank and present items
US6952741B1 (en) 1999-06-30 2005-10-04 Computer Sciences Corporation System and method for synchronizing copies of data in a computer system
US6445202B1 (en) 1999-06-30 2002-09-03 Cascade Microtech, Inc. Probe station thermal chuck with shielding for capacitive current
US6708155B1 (en) * 1999-07-07 2004-03-16 American Management Systems, Inc. Decision management system with automated strategy optimization
US7158986B1 (en) * 1999-07-27 2007-01-02 Mailfrontier, Inc. A Wholly Owned Subsidiary Of Sonicwall, Inc. Method and system providing user with personalized recommendations by electronic-mail based upon the determined interests of the user pertain to the theme and concepts of the categorized document
US7340426B1 (en) 1999-07-30 2008-03-04 Computer Sciences Corporation Event-triggered transaction processing for electronic data interchange
US6487539B1 (en) * 1999-08-06 2002-11-26 International Business Machines Corporation Semantic based collaborative filtering
US6961708B1 (en) 1999-08-27 2005-11-01 Computer Sciences Corporation External interface for requesting data from remote systems in a generic fashion
US6970844B1 (en) 1999-08-27 2005-11-29 Computer Sciences Corporation Flow designer for establishing and maintaining assignment and strategy process maps
US8041805B2 (en) * 1999-08-30 2011-10-18 Opinionlab, Inc. System and method for reporting to a website owner user reactions to particular web pages of a website
US7085820B1 (en) * 1999-08-30 2006-08-01 Opinionlab, Inc. System and method for reporting to a website owner user reactions to particular web pages of a website
US6421724B1 (en) * 1999-08-30 2002-07-16 Opinionlab, Inc. Web site response measurement tool
EP1221118A2 (en) * 1999-08-31 2002-07-10 Comsort, Inc. System for influence network marketing
US20030216942A1 (en) * 1999-08-31 2003-11-20 Comsort, Inc. System for influence network marketing
US7979880B2 (en) * 2000-04-21 2011-07-12 Cox Communications, Inc. Method and system for profiling iTV users and for providing selective content delivery
US8108245B1 (en) * 1999-09-17 2012-01-31 Cox Communications, Inc. Method and system for web user profiling and selective content delivery
JP3916809B2 (en) * 1999-09-17 2007-05-23 富士通株式会社 Computer readable recording medium recording an automatic planning apparatus and automatic planning program
WO2001022261A3 (en) * 1999-09-21 2008-01-03 Peter H I Kim Method and apparatus for delivery of targeted advertising and content based on user interaction with online queries on a wide area network
US6886000B1 (en) * 1999-09-29 2005-04-26 International Business Machines Corporation On-line negotiations with dynamic profiling
US7693731B1 (en) 1999-09-30 2010-04-06 Computer Sciences Corporation Business process framework for reinsurance
US6850252B1 (en) 1999-10-05 2005-02-01 Steven M. Hoffberg Intelligent electronic appliance system and method
US7353196B1 (en) 1999-10-29 2008-04-01 Computer Sciences Corporation Configuring dynamic database packageset switching for use in processing business transactions
US6925468B1 (en) 1999-10-29 2005-08-02 Computer Sciences Corporation Configuring systems for generating business transaction reports using processing relationships among entities of an organization
US7546304B1 (en) 1999-10-29 2009-06-09 Computer Sciences Corporation Configuring keys for use in processing business data
US7693844B1 (en) 1999-10-29 2010-04-06 Computer Sciences Corporation Configuring processing relationships among entities of an organization
US7363264B1 (en) 1999-10-29 2008-04-22 Computer Sciences Corporation Processing business transactions using dynamic database packageset switching
US7356541B1 (en) 1999-10-29 2008-04-08 Computer Sciences Corporation Processing business data using user-configured keys
US7526487B1 (en) 1999-10-29 2009-04-28 Computer Sciences Corporation Business transaction processing systems and methods
US7571171B1 (en) 1999-10-29 2009-08-04 Computer Sciences Corporation Smart trigger for use in processing business transactions
US7921048B2 (en) * 1999-11-01 2011-04-05 Accenture Global Services Gmbh Financial planning and counseling system projecting user cash flow
US7818233B1 (en) 1999-11-01 2010-10-19 Accenture, Llp User interface for a financial modeling system
US7831494B2 (en) * 1999-11-01 2010-11-09 Accenture Global Services Gmbh Automated financial portfolio coaching and risk management system
US7783545B2 (en) * 1999-11-01 2010-08-24 Accenture Global Services Gmbh Automated coaching for a financial modeling and counseling system
US7571131B1 (en) 1999-11-05 2009-08-04 Ford Motor Company Method of conducting online competitive price quoting events
US6876991B1 (en) 1999-11-08 2005-04-05 Collaborative Decision Platforms, Llc. System, method and computer program product for a collaborative decision platform
US7822636B1 (en) * 1999-11-08 2010-10-26 Aol Advertising, Inc. Optimal internet ad placement
US7475032B1 (en) * 1999-11-16 2009-01-06 Ameriprise Financial, Inc. Systems and methods for creating financial advice applications
US6741969B1 (en) 1999-12-15 2004-05-25 Murray Huneke System and method for reducing excess capacity for restaurants and other industries during off-peak or other times
US20010032115A1 (en) * 1999-12-23 2001-10-18 Michael Goldstein System and methods for internet commerce and communication based on customer interaction and preferences
US7006979B1 (en) 1999-12-29 2006-02-28 General Electric Capital Corporation Methods and systems for creating models for marketing campaigns
US7003476B1 (en) 1999-12-29 2006-02-21 General Electric Capital Corporation Methods and systems for defining targeted marketing campaigns using embedded models and historical data
US6901406B2 (en) 1999-12-29 2005-05-31 General Electric Capital Corporation Methods and systems for accessing multi-dimensional customer data
US8214254B1 (en) * 2000-01-07 2012-07-03 Home Producers Network, Llc Method and system for compiling a consumer-based electronic database, searchable according to individual internet user-defined micro-demographics (II)
US7720707B1 (en) * 2000-01-07 2010-05-18 Home Producers Network, Llc Method and system for compiling a consumer-based electronic database, searchable according to individual internet user-defined micro-demographics
CA2331429A1 (en) * 2000-01-18 2001-07-18 James Stein System and method for real-time updating service provider ratings
JP2001229209A (en) * 2000-02-14 2001-08-24 Nec Corp Design system
US8290809B1 (en) 2000-02-14 2012-10-16 Ebay Inc. Determining a community rating for a user using feedback ratings of related users in an electronic environment
US7428505B1 (en) * 2000-02-29 2008-09-23 Ebay, Inc. Method and system for harvesting feedback and comments regarding multiple items from users of a network-based transaction facility
US9614934B2 (en) 2000-02-29 2017-04-04 Paypal, Inc. Methods and systems for harvesting comments regarding users on a network-based facility
US7797373B1 (en) 2000-03-03 2010-09-14 Martin S Berger System and method for promoting intellectual property
WO2001067333A1 (en) * 2000-03-06 2001-09-13 Benderev Theodore V On-line survey method
US8024213B1 (en) 2000-03-08 2011-09-20 Accenture Global Services Limited System and method and article of manufacture for making financial decisions by balancing goals in a financial manager
US7231608B1 (en) 2000-03-08 2007-06-12 Accenture Llp Financial manager user interface as filed
US20010032123A1 (en) * 2000-03-20 2001-10-18 Megan Burns Electronic commerce utilizing a value parameter
US8504438B2 (en) 2000-03-21 2013-08-06 James D. Bennett Online purchasing system supporting lenders with affordability screening
US7284064B1 (en) 2000-03-21 2007-10-16 Intel Corporation Method and apparatus to determine broadcast content and scheduling in a broadcast system
US7539628B2 (en) 2000-03-21 2009-05-26 Bennett James D Online purchasing system supporting buyer affordability screening
JP2001265906A (en) * 2000-03-23 2001-09-28 Nec Corp On-line real time monitoring system and on-line real time monitor business method
JP4355465B2 (en) * 2000-03-24 2009-11-04 株式会社オプティム Advertising alarm system
JP2001282984A (en) * 2000-03-30 2001-10-12 Sony Corp System and device for investigating contents market, contents voting device, contents market investigating method and recording medium
WO2001075734A1 (en) * 2000-03-31 2001-10-11 Softcoin, Inc. Facilitating transactions between merchant, associate, and user
US6757661B1 (en) * 2000-04-07 2004-06-29 Netzero High volume targeting of advertisements to user of online service
US20010032117A1 (en) * 2000-04-07 2001-10-18 Persky Robert E. Continuous and updatable revenue sharing process for lists
US7451094B2 (en) * 2000-05-22 2008-11-11 Royall & Company Method for electronically surveying prospective candidates for admission to educational institutions and encouraging interest in attending
US7096220B1 (en) 2000-05-24 2006-08-22 Reachforce, Inc. Web-based customer prospects harvester system
US7120629B1 (en) * 2000-05-24 2006-10-10 Reachforce, Inc. Prospects harvester system for providing contact data about customers of product or service offered by business enterprise extracting text documents selected from newsgroups, discussion forums, mailing lists, querying such data to provide customers who confirm to business profile data
US7082427B1 (en) 2000-05-24 2006-07-25 Reachforce, Inc. Text indexing system to index, query the archive database document by keyword data representing the content of the documents and by contact data associated with the participant who generated the document
US7003517B1 (en) * 2000-05-24 2006-02-21 Inetprofit, Inc. Web-based system and method for archiving and searching participant-based internet text sources for customer lead data
US20020073005A1 (en) * 2000-05-25 2002-06-13 Welnicki Raymond P. Computerized lifestyle planning system and method
WO2001099405A3 (en) * 2000-06-22 2003-07-17 Advisorteam Com Inc Method and system for determining personal characteristics of an individual or group
WO2002001592A1 (en) * 2000-06-28 2002-01-03 Intertainer, Inc. Intelligent media targeting system and method
US7031651B2 (en) * 2000-07-21 2006-04-18 Englishtown, Inc. System and method of matching teachers with students to facilitate conducting online private instruction over a global network
JP2002041761A (en) * 2000-07-28 2002-02-08 Toshiba Corp Article information managing device, article information input/output device, and article information managing method
US6446044B1 (en) * 2000-07-31 2002-09-03 Luth Research Inc. Multi-layer surveying systems and methods with multi-layer incentives
US7054900B1 (en) 2000-08-18 2006-05-30 Netzero, Inc. Automatic, profile-free web page recommendation
KR100371662B1 (en) * 2000-08-23 2003-03-28 김정욱 Method for real time survey on the internet
US6965226B2 (en) 2000-09-05 2005-11-15 Cascade Microtech, Inc. Chuck for holding a device under test
US6914423B2 (en) 2000-09-05 2005-07-05 Cascade Microtech, Inc. Probe station
US20060074727A1 (en) 2000-09-07 2006-04-06 Briere Daniel D Method and apparatus for collection and dissemination of information over a computer network
US20020103737A1 (en) * 2000-09-07 2002-08-01 Briere Daniel D. Marketing collateral repository and supporting data management and communication environment
US20020107972A1 (en) * 2000-09-19 2002-08-08 Keane Kerry C. System and method for distributing media content
FI113413B (en) * 2000-09-20 2004-04-15 Interquest Oy A method for collecting and processing data
CA2321144A1 (en) * 2000-09-25 2002-03-25 Philippe Lemay System and method for inferring an individual's mental representations by successive comparisons of a list of items
US7590558B2 (en) * 2000-09-26 2009-09-15 I2 Technologies Us, Inc. System and method for facilitating electronic commerce transactions
US7299255B2 (en) * 2000-09-26 2007-11-20 I2 Technologies Us, Inc. System and method for migrating data in an electronic commerce system
JP2002106348A (en) * 2000-09-28 2002-04-10 Toyo Radiator Co Ltd Pressure cap
US7703611B1 (en) 2000-09-29 2010-04-27 Aol Inc. Targeted geographical condition notification of users based on a geographic location and device types or software of the users
US7890352B2 (en) * 2000-10-02 2011-02-15 Computer Sciences Corporation Computerized method and system of liability assessment for an accident
US7330850B1 (en) 2000-10-04 2008-02-12 Reachforce, Inc. Text mining system for web-based business intelligence applied to web site server logs
US7043531B1 (en) 2000-10-04 2006-05-09 Inetprofit, Inc. Web-based customer lead generator system with pre-emptive profiling
US20020098891A1 (en) * 2000-10-10 2002-07-25 Graham Michael B. Computerized system and method for providing advertising to a consumer
US20060253330A1 (en) * 2000-10-12 2006-11-09 Maggio Frank S Method and system for automatically substituting media content
US20050060232A1 (en) * 2000-10-12 2005-03-17 Maggio Frank S. Method and system for interacting with a writing
US20060282319A1 (en) * 2000-10-12 2006-12-14 Maggio Frank S Method and system for substituting media content
US20040015399A1 (en) * 2000-10-12 2004-01-22 Maggio Frank S. Method and system for verifying exposure to message content delivered via outdoor media or in a concentrated format
US20040103032A1 (en) * 2000-10-12 2004-05-27 Maggio Frank S. Remote control system and method for interacting with broadcast content
CA2425260A1 (en) 2000-10-12 2002-04-18 Frank S. Maggio Method and system for communicating advertising and entertainment content and gathering consumer information
US20060129458A1 (en) * 2000-10-12 2006-06-15 Maggio Frank S Method and system for interacting with on-demand video content
US20040107138A1 (en) * 2000-10-12 2004-06-03 Maggio Frank S. Method and system for verifying immersion in advertising content via an immersion enhancing content vignette
CA2798508A1 (en) * 2000-10-18 2002-04-25 Johnson & Johnson Consumer Companies, Inc. Intelligent performance-based product recommendation system
WO2002049260A3 (en) 2000-10-23 2003-03-13 Deloitte & Touche Llp Commercial insurance scoring system and method
US6999987B1 (en) * 2000-10-25 2006-02-14 America Online, Inc. Screening and survey selection system and method of operating the same
US9819561B2 (en) 2000-10-26 2017-11-14 Liveperson, Inc. System and methods for facilitating object assignments
US8868448B2 (en) * 2000-10-26 2014-10-21 Liveperson, Inc. Systems and methods to facilitate selling of products and services
US20090157483A1 (en) * 2001-11-14 2009-06-18 Retaildna, Llc Method and system for using artificial intelligence to generate or modify an employee prompt or a customer survey
US6845374B1 (en) 2000-11-27 2005-01-18 Mailfrontier, Inc System and method for adaptive text recommendation
US20020083006A1 (en) * 2000-12-14 2002-06-27 Intertainer, Inc. Systems and methods for delivering media content
US20020078152A1 (en) * 2000-12-19 2002-06-20 Barry Boone Method and apparatus for providing predefined feedback
WO2002052373A3 (en) * 2000-12-22 2002-12-19 Andrew W Torrance Collecting user responses over a network
US7698161B2 (en) * 2001-01-04 2010-04-13 True Choice Solutions, Inc. System to quantify consumer preferences
US20030018525A1 (en) * 2001-01-09 2003-01-23 Joao Raymond Anthony Apparatus and method for providing compensation-based telemarketing information
US7526434B2 (en) * 2001-01-30 2009-04-28 Linda Sharp Network based system and method for marketing management
US20020133391A1 (en) * 2001-03-12 2002-09-19 Johnson Timothy Lee Marketing systems and methods
US7805338B2 (en) * 2001-03-26 2010-09-28 Usa Technologies, Inc. Method of constructing a digital content play list for transmission and presentation on a public access electronic terminal
US6925469B2 (en) * 2001-03-30 2005-08-02 Intertainer, Inc. Digital entertainment service platform
US20020144283A1 (en) * 2001-03-30 2002-10-03 Intertainer, Inc. Content distribution system
US20020143647A1 (en) * 2001-03-30 2002-10-03 Intertainer, Inc. Subscriber management system
US7305364B2 (en) * 2001-04-06 2007-12-04 General Electric Capital Corporation Methods and systems for supplying customer leads to dealers
US7216102B2 (en) * 2001-04-06 2007-05-08 General Electric Capital Corporation Methods and systems for auctioning of pre-selected customer lists
US20020152110A1 (en) * 2001-04-16 2002-10-17 Stewart Betsy J. Method and system for collecting market research data
US20020156690A1 (en) * 2001-04-18 2002-10-24 Yi Sheu Ren Automatic agency marketing method and the system of the same
US7958006B2 (en) * 2001-04-27 2011-06-07 True Choice Solutions, Inc. System to provide consumer preference information
JP2002334248A (en) * 2001-05-07 2002-11-22 Honda Motor Co Ltd Computer system judging customer type in real time
JP4028187B2 (en) * 2001-05-07 2007-12-26 本田技研工業株式会社 A computer system that provides a web page that is suitable to the user.
US7254226B1 (en) * 2001-05-08 2007-08-07 At&T Intellectual Property, Inc. Call waiting priority alert
US6983276B2 (en) * 2001-05-15 2006-01-03 I2 Technologies Us, Inc. Facilitating electronic commerce transactions using buyer profiles
US7349868B2 (en) * 2001-05-15 2008-03-25 I2 Technologies Us, Inc. Pre-qualifying sellers during the matching phase of an electronic commerce transaction
US7475030B1 (en) 2001-05-16 2009-01-06 I2 Technologies Us, Inc. Facilitating electronic commerce transactions using a shared product data repository
US7263515B1 (en) * 2001-06-18 2007-08-28 I2 Technologies Us, Inc. Content enhancement in an electronic marketplace
US7127416B1 (en) 2001-06-18 2006-10-24 I2 Technologies Us, Inc. Distributed processing of sorted search results in an electronic commerce system and method
US7085358B2 (en) 2001-06-25 2006-08-01 Bellsouth Intellectual Property Corporation Visual caller identification
US7330829B1 (en) 2001-06-26 2008-02-12 I2 Technologies Us, Inc. Providing market feedback associated with electronic commerce transactions to sellers
US8086643B1 (en) 2001-06-28 2011-12-27 Jda Software Group, Inc. Translation between product classification schemas
US7809672B1 (en) 2001-06-28 2010-10-05 I2 Technologies Us, Inc. Association of data with a product classification schema
US7346560B1 (en) 2001-06-29 2008-03-18 I2 Technologies Us, Inc. Protecting content from unauthorized reproduction
US7162453B1 (en) 2001-06-29 2007-01-09 I2 Technologies Us, Inc. Protecting content from unauthorized reproduction
US20030009371A1 (en) * 2001-07-03 2003-01-09 Ravi Gauba Interactive decision-making scenarios in an audio/video broadcast
US7963899B2 (en) * 2001-07-13 2011-06-21 The Proctor & Gamble Company Continuous in-line pleating apparatus and process
US20030028871A1 (en) * 2001-07-20 2003-02-06 Annie Wang Behavior profile system and method
US7874841B1 (en) 2001-08-08 2011-01-25 Lycas Geoffrey S Method and apparatus for personal awareness and growth
US7403768B2 (en) * 2001-08-14 2008-07-22 At&T Delaware Intellectual Property, Inc. Method for using AIN to deliver caller ID to text/alpha-numeric pagers as well as other wireless devices, for calls delivered to wireless network
US7315614B2 (en) 2001-08-14 2008-01-01 At&T Delaware Intellectual Property, Inc. Remote notification of communications
US8090617B1 (en) * 2001-08-27 2012-01-03 Renesas Electronics America Inc. Determining if a potential customer is a desirable customer
US7711595B2 (en) * 2001-08-28 2010-05-04 International Business Machines Corporation Method and system for generating a value proposition for a company in an industry
US7085774B2 (en) 2001-08-30 2006-08-01 Infonox On The Web Active profiling system for tracking and quantifying customer conversion efficiency
US20050160113A1 (en) * 2001-08-31 2005-07-21 Kent Ridge Digital Labs Time-based media navigation system
US6865578B2 (en) * 2001-09-04 2005-03-08 Wesley Joseph Hays Method and apparatus for the design and analysis of market research studies
US6754676B2 (en) * 2001-09-13 2004-06-22 International Business Machines Corporation Apparatus and method for providing selective views of on-line surveys
US20030055762A1 (en) * 2001-09-18 2003-03-20 Holt Laurence E. Incremental active user profile construction for content customization interspersed with content display
US7269249B2 (en) 2001-09-28 2007-09-11 At&T Bls Intellectual Property, Inc. Systems and methods for providing user profile information in conjunction with an enhanced caller information system
US20030074447A1 (en) * 2001-10-16 2003-04-17 Rafey Richter A. Intuitive mapping between explicit and implicit personalization
US20030163363A1 (en) * 2001-10-19 2003-08-28 Campagne Associates Computerized prospect rating system and method
US7191143B2 (en) * 2001-11-05 2007-03-13 Keli Sev K H Preference information-based metrics
US7079837B1 (en) * 2001-11-06 2006-07-18 Bellsouth Intellectual Property Corporation Caller identification queue for wireless telephones
US8200511B2 (en) * 2001-11-28 2012-06-12 Deloitte Development Llc Method and system for determining the importance of individual variables in a statistical model
US7587323B2 (en) * 2001-12-14 2009-09-08 At&T Intellectual Property I, L.P. System and method for developing tailored content
US9967633B1 (en) 2001-12-14 2018-05-08 At&T Intellectual Property I, L.P. System and method for utilizing television viewing patterns
US20110178877A1 (en) 2001-12-14 2011-07-21 Swix Scott R Advertising and content management systems and methods
US20100257037A1 (en) * 2001-12-14 2010-10-07 Matz William R Method and system for targeted incentives
US7212979B1 (en) 2001-12-14 2007-05-01 Bellsouth Intellectuall Property Corporation System and method for identifying desirable subscribers
US7444658B1 (en) 2001-12-14 2008-10-28 At&T Intellectual Property I, L.P. Method and system to perform content targeting
US7086075B2 (en) * 2001-12-21 2006-08-01 Bellsouth Intellectual Property Corporation Method and system for managing timed responses to A/V events in television programming
US20050071863A1 (en) * 2001-12-21 2005-03-31 Matz William R. System and method for storing and distributing television viewing patterns form a clearinghouse
US7325065B1 (en) * 2001-12-21 2008-01-29 Aol Llc, A Delaware Limited Liability Company Identifying unauthorized communication systems using a system-specific identifier
US7694887B2 (en) 2001-12-24 2010-04-13 L-1 Secure Credentialing, Inc. Optically variable personalized indicia for identification documents
CA2471457C (en) 2001-12-24 2011-08-02 Digimarc Id Systems, Llc Covert variable information on id documents and methods of making same
EP1467834A4 (en) 2001-12-24 2005-04-06 Digimarc Id Systems Llc Laser etched security features for identification documents and methods of making same
US7315618B1 (en) 2001-12-27 2008-01-01 At&T Bls Intellectual Property, Inc. Voice caller ID
US8086491B1 (en) 2001-12-31 2011-12-27 At&T Intellectual Property I, L. P. Method and system for targeted content distribution using tagged data streams
US7412424B1 (en) 2002-03-19 2008-08-12 I2 Technologies Us, Inc. Third party certification of content in electronic commerce transactions
WO2003085486A3 (en) * 2002-04-04 2004-05-06 Arrow Electronics Inc Computer-implemented system and method for assessing supply chain solutions
WO2003088144A3 (en) 2002-04-09 2004-03-18 Digimarc Id Systems Llc Image processing techniques for printing identification cards and documents
US20030204436A1 (en) * 2002-04-30 2003-10-30 Joerg Flender Survey data gathering
US7824029B2 (en) 2002-05-10 2010-11-02 L-1 Secure Credentialing, Inc. Identification card printer-assembler for over the counter card issuing
US20030236729A1 (en) * 2002-06-21 2003-12-25 Kenneth Epstein Systems and methods of directing, customizing, exchanging, negotiating, trading and provisioning of information, goods and services to information users
US8036919B2 (en) * 2002-07-10 2011-10-11 Deloitte & Touche Llp Licensed professional scoring system and method
US20040015394A1 (en) * 2002-07-19 2004-01-22 Beatrice Mok Method for rewarding customer loyalty with respect to a lease agreement
US7623645B1 (en) 2002-07-23 2009-11-24 At&T Intellectual Property, I, L.P. System and method for gathering information related to a geographical location of a caller in a public switched telephone network
US7139374B1 (en) 2002-07-23 2006-11-21 Bellsouth Intellectual Property Corp. System and method for gathering information related to a geographical location of a callee in a public switched telephone network
US20040210472A1 (en) * 2002-07-25 2004-10-21 Lew Ark L. System and method for conducting a real-time survey
WO2004012126A3 (en) * 2002-07-29 2004-03-18 Opinionlab Inc System and method for providing substantially real-time access to collected information concerning user interaction with a web page of a website
US7478121B1 (en) * 2002-07-31 2009-01-13 Opinionlab, Inc. Receiving and reporting page-specific user feedback concerning one or more particular web pages of a website
US7370285B1 (en) 2002-07-31 2008-05-06 Opinionlab, Inc. Receiving and reporting page-specific user feedback concerning one or more particular web pages of a website
US7596505B2 (en) * 2002-08-06 2009-09-29 True Choice Solutions, Inc. System to quantify consumer preferences
US8521590B1 (en) * 2002-08-22 2013-08-27 Denise Larson Hanusch Systems and methods for assessing consumers' product brand loyalty
US20040044569A1 (en) * 2002-08-30 2004-03-04 Roberts William Anthony Systems and method for providing targeted message in a media player
US20040054557A1 (en) * 2002-09-09 2004-03-18 Stefan Wahlbin Computerized method and system for estimating premises liability for an accident
US20040054556A1 (en) * 2002-09-09 2004-03-18 Stephan Wahlbin Computerized method and system for determining causation in premises liability for an accident
US7702528B2 (en) * 2002-09-09 2010-04-20 Computer Sciences Corporation Computerized method and system for determining breach of duty in premises liability for an accident
US7672860B2 (en) * 2002-09-09 2010-03-02 Computer Sciences Corporation Computerized method and system for determining the contribution of defenses to premises liability for an accident
US20040054558A1 (en) * 2002-09-09 2004-03-18 Stefan Wahlbin Computerized method and system for determining claimant status in premises liability for an accident
US20040064357A1 (en) * 2002-09-26 2004-04-01 Hunter Jeffrey D. System and method for increasing the accuracy of forecasted consumer interest in products and services
US20040073482A1 (en) * 2002-10-15 2004-04-15 Wiggins Randall T. Targeted information content delivery using a combination of environmental and demographic information
US7689442B2 (en) 2002-10-31 2010-03-30 Computer Science Corporation Method of generating a graphical display of a business rule with a translation
US7676387B2 (en) 2002-10-31 2010-03-09 Computer Sciences Corporation Graphical display of business rules
US7451148B2 (en) * 2002-10-31 2008-11-11 Computer Sciences Corporation Method of modifying a business rule while tracking the modifications
WO2004049242A3 (en) 2002-11-26 2004-07-15 Digimarc Id Systems Systems and methods for managing and detecting fraud in image databases used with identification documents
WO2004049100A3 (en) * 2002-11-26 2004-07-29 Advertizing Firm Inc Method and system of advertising
US7809586B2 (en) * 2002-11-27 2010-10-05 Computer Sciences Corporation Computerized method and system for estimating an effect on liability using a comparison of the actual speed of a vehicle in an accident and time and distance traveled by the vehicles in a merging vehicle accident
US20040102984A1 (en) * 2002-11-27 2004-05-27 Stefan Wahlbin Computerized method and system for estimating liability using recorded vehicle data
US7725334B2 (en) 2002-11-27 2010-05-25 Computer Sciences Corporation Computerized method and system for estimating liability for an accident using dynamic generation of questions
US7702529B2 (en) * 2002-11-27 2010-04-20 Computer Sciences Corporation Computerized method and system for estimating an effect on liability using claim data accessed from claim reporting software
US7818187B2 (en) * 2002-11-27 2010-10-19 Computer Sciences Corporation Computerized method and system for estimating liability
US20040103005A1 (en) * 2002-11-27 2004-05-27 Stefan Wahlbin Computerized method and system for estimating monetary damages due to injuries in an accident from liability estimated using a computer system
US7660725B2 (en) * 2002-11-27 2010-02-09 Computer Sciences Corporation Computerized method and system for estimating an effect on liability based on the stopping distance of vehicles
US7792690B2 (en) * 2002-11-27 2010-09-07 Computer Sciences Corporation Computerized method and system for estimating an effect on liability of the speed of vehicles in an accident and time and distance traveled by the vehicles
US7805321B2 (en) * 2002-11-27 2010-09-28 Computer Sciences Corporation Computerized method and system for estimating liability for an accident from an investigation of the accident
US7895063B2 (en) * 2002-11-27 2011-02-22 Computer Sciences Corporation Computerized method and system for creating pre-configured claim reports including liability in an accident estimated using a computer system
US20040128236A1 (en) * 2002-12-30 2004-07-01 Brown Ron T. Methods and apparatus for evaluating and using profitability of a credit card account
EP1609100A2 (en) * 2003-03-19 2005-12-28 Customiser Ltd. Recognition of patterns in data
EP1606754A4 (en) * 2003-03-25 2006-04-19 Sedna Patent Services Llc Generating audience analytics
US20040204981A1 (en) * 2003-04-14 2004-10-14 Schuebel Diane M. Business method for performing consumer research
EP1614064B1 (en) 2003-04-16 2010-12-08 L-1 Secure Credentialing, Inc. Three dimensional data storage
US7978833B2 (en) 2003-04-18 2011-07-12 At&T Intellectual Property I, L.P. Private caller ID messaging
US7443964B2 (en) 2003-04-18 2008-10-28 At&T Intellectual Property, I,L.P. Caller ID messaging
US20040220858A1 (en) * 2003-05-02 2004-11-04 Maggio Frank S. Method and system for verifying exposure to message content delivered via subscription networks
US7492172B2 (en) 2003-05-23 2009-02-17 Cascade Microtech, Inc. Chuck for holding a device under test
US7937286B2 (en) * 2003-06-10 2011-05-03 Citicorp Credit Services, Inc. System and method for analyzing marketing efforts
US7827487B1 (en) 2003-06-16 2010-11-02 Opinionlab, Inc. Soliciting user feedback regarding one or more web pages of a website without obscuring visual content
US8301482B2 (en) * 2003-08-25 2012-10-30 Tom Reynolds Determining strategies for increasing loyalty of a population to an entity
US7769626B2 (en) 2003-08-25 2010-08-03 Tom Reynolds Determining strategies for increasing loyalty of a population to an entity
US7895064B2 (en) 2003-09-02 2011-02-22 Computer Sciences Corporation Graphical input display in an insurance processing system
US7559018B2 (en) * 2003-09-10 2009-07-07 Sas Institute Inc. Computer-implemented system and method for data collection
FR2860318A1 (en) * 2003-09-25 2005-04-01 Calame Software Method for electronic survey
US7250626B2 (en) 2003-10-22 2007-07-31 Cascade Microtech, Inc. Probe testing structure
US20050108063A1 (en) * 2003-11-05 2005-05-19 Madill Robert P.Jr. Systems and methods for assessing the potential for fraud in business transactions
US7623849B2 (en) 2003-11-13 2009-11-24 At&T Intellectual Property, I, L.P. Method, system, and storage medium for providing comprehensive originator identification services
US7716079B2 (en) * 2003-11-20 2010-05-11 Ebay Inc. Feedback cancellation in a network-based transaction facility
US7617508B2 (en) * 2003-12-12 2009-11-10 At&T Intellectual Property I, L.P. Methods and systems for collaborative capture of television viewer generated clickstreams
US20050132225A1 (en) * 2003-12-16 2005-06-16 Glenn Gearhart Method and system for cyber-security vulnerability detection and compliance measurement (CDCM)
US20050131828A1 (en) * 2003-12-16 2005-06-16 Glenn Gearhart Method and system for cyber-security damage assessment and evaluation measurement (CDAEM)
US7672444B2 (en) 2003-12-24 2010-03-02 At&T Intellectual Property, I, L.P. Client survey systems and methods using caller identification information
US7187188B2 (en) 2003-12-24 2007-03-06 Cascade Microtech, Inc. Chuck with integrated wafer support
US20060004701A1 (en) * 2003-12-30 2006-01-05 Bacon Charles F System and method for adaptive decision making analysis and assessment
US8392249B2 (en) * 2003-12-31 2013-03-05 Google Inc. Suggesting and/or providing targeting criteria for advertisements
GB0410014D0 (en) * 2004-05-05 2004-06-09 Nokia Corp Multimedia message delivery optimisation
US20050278443A1 (en) * 2004-06-14 2005-12-15 Winner Jeffrey B Online content delivery based on information from social networks
US8195136B2 (en) 2004-07-15 2012-06-05 At&T Intellectual Property I, L.P. Methods of providing caller identification information and related registries and radiotelephone networks
US8763157B2 (en) 2004-08-23 2014-06-24 Sony Computer Entertainment America Llc Statutory license restricted digital media playback on portable devices
US20060085083A1 (en) * 2004-09-02 2006-04-20 Robert Congel Methods and system for conducting research and development on an urban scale
EP1792276A4 (en) * 2004-09-10 2009-12-23 Deloitte Dev Llc Method and system for estimating insurance loss reserves and confidence intervals using insurance policy and claim level detail predictive modeling
US20060059021A1 (en) * 2004-09-15 2006-03-16 Jim Yulman Independent adjuster advisor
US20060085255A1 (en) * 2004-09-27 2006-04-20 Hunter Hastings System, method and apparatus for modeling and utilizing metrics, processes and technology in marketing applications
US20060080172A1 (en) * 2004-10-13 2006-04-13 Softcoin, Inc. Method, system, and software for electronic media driven promotions that include off-line actions
US20060085253A1 (en) * 2004-10-18 2006-04-20 Matthew Mengerink Method and system to utilize a user network within a network-based commerce platform
US20070214415A1 (en) * 2004-12-14 2007-09-13 Williams John M Systems and Methods for Logo Design
US20060143071A1 (en) * 2004-12-14 2006-06-29 Hsbc North America Holdings Inc. Methods, systems and mediums for scoring customers for marketing
US7656172B2 (en) 2005-01-31 2010-02-02 Cascade Microtech, Inc. System for testing semiconductors
US7535247B2 (en) 2005-01-31 2009-05-19 Cascade Microtech, Inc. Interface for testing semiconductors
US7272582B2 (en) * 2005-02-10 2007-09-18 Data Gater, Llc Fee determination device
US20060229932A1 (en) * 2005-04-06 2006-10-12 Johnson & Johnson Services, Inc. Intelligent sales and marketing recommendation system
US8214264B2 (en) * 2005-05-02 2012-07-03 Cbs Interactive, Inc. System and method for an electronic product advisor
US20060265368A1 (en) * 2005-05-23 2006-11-23 Opinionlab, Inc. Measuring subjective user reaction concerning a particular document
US20060271437A1 (en) * 2005-05-26 2006-11-30 Maggio Frank S System and method for home product delivery
US20060271552A1 (en) * 2005-05-26 2006-11-30 Venture Capital & Consulting Group, Llc. Targeted delivery of content
US20060282371A1 (en) * 2005-06-08 2006-12-14 Ge Mortgage Holdings, Llc Methods and apparatus for analysis of opportunities for marketing and providing of mortgage services
GB2430072B (en) * 2005-08-18 2008-02-13 Mark Jones Teaching apparatus
US8738732B2 (en) 2005-09-14 2014-05-27 Liveperson, Inc. System and method for performing follow up based on user interactions
US9432468B2 (en) 2005-09-14 2016-08-30 Liveperson, Inc. System and method for design and dynamic generation of a web page
US8626584B2 (en) 2005-09-30 2014-01-07 Sony Computer Entertainment America Llc Population of an advertisement reference list
US8574074B2 (en) 2005-09-30 2013-11-05 Sony Computer Entertainment America Llc Advertising impression determination
US8751310B2 (en) 2005-09-30 2014-06-10 Sony Computer Entertainment America Llc Monitoring advertisement impressions
US20070118425A1 (en) 2005-10-25 2007-05-24 Podbridge, Inc. User device agent for asynchronous advertising in time and space shifted media network
US8676900B2 (en) 2005-10-25 2014-03-18 Sony Computer Entertainment America Llc Asynchronous advertising placement based on metadata
CA2524527A1 (en) 2005-10-26 2007-04-26 Ibm Canada Limited - Ibm Canada Limitee Systems, methods and tools for facilitating group collaborations
CA2525267A1 (en) * 2005-10-28 2007-04-28 Ibm Canada Limited - Ibm Canada Limitee Systems, methods and tools for aggregating subsets of opinions from group collaborations
US20070192161A1 (en) * 2005-12-28 2007-08-16 International Business Machines Corporation On-demand customer satisfaction measurement
WO2007096876A3 (en) * 2006-02-21 2009-04-09 Elad Inbar Return rate optimization system and method for promotions
US20080022414A1 (en) 2006-03-31 2008-01-24 Robert Cahn System and method of providing unique personal identifiers for use in the anonymous and secure exchange of data
US20070290878A1 (en) * 2006-04-07 2007-12-20 Media Ip Holdings, Llc System and method for interacting with automobile race and advertising content
US20080032277A1 (en) * 2006-04-08 2008-02-07 Media Ip Holdings, Llc Dynamic multiple choice answers
JP5313882B2 (en) 2006-05-05 2013-10-09 ソニー コンピュータ エンタテインメント アメリカ リミテッド ライアビリテイ カンパニー Apparatus for displaying the main content and the auxiliary content
US8706544B1 (en) 2006-05-25 2014-04-22 Videomining Corporation Method and system for automatically measuring and forecasting the demographic characterization of customers to help customize programming contents in a media network
KR100840072B1 (en) * 2006-06-05 2008-06-19 주식회사 인터파크지마켓 Method for providing advertisement inducing active participation from targeted customers and system therefor
US7930204B1 (en) 2006-07-25 2011-04-19 Videomining Corporation Method and system for narrowcasting based on automatic analysis of customer behavior in a retail store
US7965827B2 (en) * 2006-07-29 2011-06-21 At&T Intellectual Property I, L. P. Methods, systems, and products for purchasing pre-paid services
US20080027819A1 (en) * 2006-07-29 2008-01-31 John Ruckart Methods, systems, and products for purchasing products
US7831473B2 (en) * 2006-07-29 2010-11-09 At&T Intellectual Property I, L.P. Methods, systems, and products for crediting accounts
US8775237B2 (en) 2006-08-02 2014-07-08 Opinionlab, Inc. System and method for measuring and reporting user reactions to advertisements on a web page
WO2008021409A3 (en) * 2006-08-14 2008-11-13 Backchannelmedia Inc Systems and methods for accountable media planning
US7809602B2 (en) * 2006-08-31 2010-10-05 Opinionlab, Inc. Computer-implemented system and method for measuring and reporting business intelligence based on comments collected from web page users using software associated with accessed web pages
US7945582B2 (en) * 2006-09-23 2011-05-17 Gis Planning, Inc. Web-based interactive geographic information systems mapping analysis and methods of using thereof
US8874465B2 (en) 2006-10-02 2014-10-28 Russel Robert Heiser, III Method and system for targeted content placement
WO2008042853A3 (en) * 2006-10-02 2008-11-27 John Cale Personalized consumer advertising placement
US7752554B2 (en) * 2006-10-05 2010-07-06 Microsoft Corporation Bot identification and control
US20080109480A1 (en) * 2006-11-02 2008-05-08 David Brophy Relationship management for marketing communications
US20090319931A1 (en) * 2006-11-07 2009-12-24 Hutchings Christopher J Visual Intelligence Systems
US8126766B2 (en) * 2006-11-29 2012-02-28 Yahoo! Inc. Interactive user interface for collecting and processing nomenclature and placement metrics for website design
US20080148311A1 (en) * 2006-12-13 2008-06-19 Tischer Steven N Advertising and content management systems and methods
US8402114B2 (en) * 2006-12-28 2013-03-19 Advertising.Com Llc Systems and methods for selecting advertisements for display over a communications network
US8086511B2 (en) * 2006-12-29 2011-12-27 American Express Travel Related Services Company, Inc. System and method for presenting a competitive comparison of a recommended or custom card
US8458063B2 (en) * 2006-12-29 2013-06-04 American Express Travel Related Services Company, Inc. System and method for profiling consumers and creating a recommended or custom card
US7913178B2 (en) * 2007-01-31 2011-03-22 Ebay Inc. Method and system for collaborative and private sessions
US20080215352A1 (en) * 2007-02-07 2008-09-04 Seaton Corp. Method and apparatus for recruiting students
US20080255928A1 (en) * 2007-04-10 2008-10-16 Thomas Joseph Tomeny Trusted networks of unique identified natural persons
US9398022B2 (en) 2007-06-01 2016-07-19 Teresa C. Piliouras Systems and methods for universal enhanced log-in, identity document verification, and dedicated survey participation
US8959584B2 (en) 2007-06-01 2015-02-17 Albright Associates Systems and methods for universal enhanced log-in, identity document verification and dedicated survey participation
US8056118B2 (en) * 2007-06-01 2011-11-08 Piliouras Teresa C Systems and methods for universal enhanced log-in, identity document verification, and dedicated survey participation
US8893241B2 (en) 2007-06-01 2014-11-18 Albright Associates Systems and methods for universal enhanced log-in, identity document verification and dedicated survey participation
US8000986B2 (en) * 2007-06-04 2011-08-16 Computer Sciences Corporation Claims processing hierarchy for designee
US8010390B2 (en) 2007-06-04 2011-08-30 Computer Sciences Corporation Claims processing of information requirements
US8010389B2 (en) 2007-06-04 2011-08-30 Computer Sciences Corporation Multiple policy claims processing
US8010391B2 (en) * 2007-06-29 2011-08-30 Computer Sciences Corporation Claims processing hierarchy for insured
US8160226B2 (en) 2007-08-22 2012-04-17 At&T Intellectual Property I, L.P. Key word programmable caller ID
US8243909B2 (en) 2007-08-22 2012-08-14 At&T Intellectual Property I, L.P. Programmable caller ID
US8219533B2 (en) 2007-08-29 2012-07-10 Enpulz Llc Search engine feedback for developing reliable whois database reference for restricted search operation
US8055671B2 (en) 2007-08-29 2011-11-08 Enpulz, Llc Search engine using world map with whois database search restriction
US20090061883A1 (en) * 2007-08-30 2009-03-05 Fatdoor, Inc. Business reviews claiming in a geo-spatial environment
US20090094627A1 (en) 2007-10-02 2009-04-09 Lee Hans C Providing Remote Access to Media, and Reaction and Survey Data From Viewers of the Media
US8416247B2 (en) 2007-10-09 2013-04-09 Sony Computer Entertaiment America Inc. Increasing the number of advertising impressions in an interactive environment
US7991648B2 (en) * 2007-10-30 2011-08-02 Microsoft Corporation Opportunity index for identifying a user's unmet needs
US8131586B2 (en) * 2008-01-16 2012-03-06 Alvin Cordeiro Method and apparatus for personalized consumer to business matchmaking
US20090187428A1 (en) 2008-01-18 2009-07-23 Frank Scalet Evaluating effectiveness of claims evaluation, assessment, and settlement processes
US8769558B2 (en) 2008-02-12 2014-07-01 Sony Computer Entertainment America Llc Discovery and analytics for episodic downloaded media
US7895102B1 (en) 2008-02-29 2011-02-22 United Services Automobile Association (Usaa) Systems and methods for financial plan benchmarking
US7865455B2 (en) * 2008-03-13 2011-01-04 Opinionlab, Inc. System and method for providing intelligent support
US8234159B2 (en) * 2008-03-17 2012-07-31 Segmint Inc. Method and system for targeted content placement
CN102027500A (en) 2008-03-17 2011-04-20 塞戈米特公司 Method and system for targeted content placement
US9659299B2 (en) * 2008-04-30 2017-05-23 Hartford Fire Insurance Company Computer system and method for interim transaction diagnosis for selective remediation and customer loyalty enhancement
US8229911B2 (en) 2008-05-13 2012-07-24 Enpulz, Llc Network search engine utilizing client browser activity information
US8171041B2 (en) 2008-05-15 2012-05-01 Enpulz, L.L.C. Support for international search terms
US8250083B2 (en) 2008-05-16 2012-08-21 Enpulz, Llc Support for international search terms—translate as you crawl
US20090287471A1 (en) 2008-05-16 2009-11-19 Bennett James D Support for international search terms - translate as you search
US8190623B2 (en) 2008-06-05 2012-05-29 Enpulz, L.L.C. Image search engine using image analysis and categorization
US8180788B2 (en) 2008-06-05 2012-05-15 Enpulz, L.L.C. Image search engine employing image correlation
US8762313B2 (en) 2008-07-25 2014-06-24 Liveperson, Inc. Method and system for creating a predictive model for targeting web-page to a surfer
US8799200B2 (en) 2008-07-25 2014-08-05 Liveperson, Inc. Method and system for creating a predictive model for targeting webpage to a surfer
US20100030616A1 (en) * 2008-07-29 2010-02-04 Criner Walter H Apparatus and method for conducting surveys
US8805844B2 (en) 2008-08-04 2014-08-12 Liveperson, Inc. Expert search
US20100070406A1 (en) * 2008-09-15 2010-03-18 Stein Adam L Integrated mortgage and real estate origination system
US8655713B2 (en) * 2008-10-28 2014-02-18 Novell, Inc. Techniques for help desk management
US9892417B2 (en) 2008-10-29 2018-02-13 Liveperson, Inc. System and method for applying tracing tools for network locations
US8775230B2 (en) * 2008-11-03 2014-07-08 Oracle International Corporation Hybrid prediction model for a sales prospector
US8319503B2 (en) 2008-11-24 2012-11-27 Cascade Microtech, Inc. Test apparatus for measuring a characteristic of a device under test
US20100161379A1 (en) * 2008-12-23 2010-06-24 Marc Del Bene Methods and systems for predicting consumer behavior from transaction card purchases
US8763090B2 (en) 2009-08-11 2014-06-24 Sony Computer Entertainment America Llc Management of ancillary content delivery and presentation
US20110047213A1 (en) * 2009-08-20 2011-02-24 Alan David Manuel Method and process for identifying trusted information of interest
US20110066608A1 (en) * 2009-09-14 2011-03-17 Cbs Interactive, Inc. Systems and methods for delivering targeted content to a user
US20110184813A1 (en) * 2009-09-14 2011-07-28 Cbs Interactive, Inc. Targeting offers to users of a web site
US20110131503A1 (en) * 2009-09-14 2011-06-02 Cbs Interactive, Inc. Apparatus and methods for providing targeted advertising from user behavior
US20110066476A1 (en) * 2009-09-15 2011-03-17 Joseph Fernard Lewis Business management assessment and consulting assistance system and associated method
US9129292B2 (en) * 2009-10-29 2015-09-08 International Business Machines Corporation System and method for example based targeted marketing
US9560984B2 (en) 2009-10-29 2017-02-07 The Nielsen Company (Us), Llc Analysis of controlled and automatic attention for introduction of stimulus material
US8332232B2 (en) * 2009-11-05 2012-12-11 Opinionlab, Inc. System and method for mobile interaction
US20110145841A1 (en) * 2009-12-15 2011-06-16 Cbs Interactive, Inc. System and method for generating pages of content
US8448204B2 (en) * 2009-12-23 2013-05-21 Cbs Interactive Inc. System and method for aggregating user data and targeting content
US20110166986A1 (en) * 2010-01-05 2011-07-07 Bank Of America Corporation Banking Center First Mortgage Origination
US8495682B2 (en) * 2010-03-26 2013-07-23 Google Inc. Exposure based customization of surveys
US9767212B2 (en) 2010-04-07 2017-09-19 Liveperson, Inc. System and method for dynamically enabling customized web content and applications
WO2011143176A1 (en) 2010-05-10 2011-11-17 Segmint, Inc. Targeted marketing to on-hold customer
US8504419B2 (en) * 2010-05-28 2013-08-06 Apple Inc. Network-based targeted content delivery based on queue adjustment factors calculated using the weighted combination of overall rank, context, and covariance scores for an invitational content item
GB201307037D0 (en) * 2010-10-07 2013-05-29 Rocket Fuel Inc System and method for real-time advertising campaign adaption
US9652779B2 (en) 2010-12-06 2017-05-16 Dynamic Logic, Inc. Method and system for on-line survey recruitment ensuring availability of control group participants
US8918465B2 (en) 2010-12-14 2014-12-23 Liveperson, Inc. Authentication of service requests initiated from a social networking site
US9350598B2 (en) 2010-12-14 2016-05-24 Liveperson, Inc. Authentication of service requests using a communications initiation feature
US20120166252A1 (en) * 2010-12-22 2012-06-28 Kris Walker Methods and Apparatus to Generate and Present Information to Panelists
US20120203639A1 (en) * 2011-02-08 2012-08-09 Cbs Interactive, Inc. Targeting offers to users of a web site
US20120215613A1 (en) * 2011-02-22 2012-08-23 Rajiv Madhok System and method for managing offers for prepaid telephony accounts
US8706560B2 (en) 2011-07-27 2014-04-22 Ebay Inc. Community based network shopping
US8943002B2 (en) 2012-02-10 2015-01-27 Liveperson, Inc. Analytics driven engagement
US9569986B2 (en) 2012-02-27 2017-02-14 The Nielsen Company (Us), Llc System and method for gathering and analyzing biometric user feedback for use in social media and advertising applications
US8805941B2 (en) 2012-03-06 2014-08-12 Liveperson, Inc. Occasionally-connected computing interface
US9563336B2 (en) 2012-04-26 2017-02-07 Liveperson, Inc. Dynamic user interface customization
US9672196B2 (en) 2012-05-15 2017-06-06 Liveperson, Inc. Methods and systems for presenting specialized content using campaign metrics
US9071677B2 (en) * 2013-02-12 2015-06-30 Unify Square, Inc. Enhanced data capture, analysis, and reporting for unified communications
US20140278620A1 (en) * 2013-03-14 2014-09-18 Oracle International Corporation Method and system for determining marketing attributions
US20140289014A1 (en) * 2013-03-15 2014-09-25 Vestorly, Inc. Method and system to evaluate contacts
JP5706929B2 (en) 2013-06-20 2015-04-22 ヤフー株式会社 Auction system, auction methods and auction program
US9477973B2 (en) 2013-06-25 2016-10-25 International Business Machines Visually generated consumer product presentation
US20150066593A1 (en) * 2013-08-30 2015-03-05 Google Inc. Determining a precision factor for a content selection parameter value
US20150220948A1 (en) * 2014-02-05 2015-08-06 Ntn Buzztime, Inc. On-site election method and apparatus
US9516098B2 (en) * 2014-04-24 2016-12-06 Bank Of America Corporation System for generating a response to a client request
US20160063536A1 (en) * 2014-08-27 2016-03-03 InMobi Pte Ltd. Method and system for constructing user profiles
US20160225014A1 (en) * 2015-01-30 2016-08-04 Wal-Mart Stores, Inc. System and method for building a targeted audience for an online advertising campaign
US9936250B2 (en) 2015-05-19 2018-04-03 The Nielsen Company (Us), Llc Methods and apparatus to adjust content presented to an individual
US9836444B2 (en) * 2015-12-10 2017-12-05 International Business Machines Corporation Spread cell value visualization

Citations (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0139313A2 (en) * 1983-08-22 1985-05-02 Security Technology Corporation Blind signature systems
US5041972A (en) * 1988-04-15 1991-08-20 Frost W Alan Method of measuring and evaluating consumer response for the development of consumer products
US5537586A (en) * 1992-04-30 1996-07-16 Individual, Inc. Enhanced apparatus and methods for retrieving and selecting profiled textural information records from a database of defined category structures
US5890152A (en) * 1996-09-09 1999-03-30 Seymour Alvin Rapaport Personal feedback browser for obtaining media files
US5956691A (en) * 1997-01-07 1999-09-21 Second Opinion Financial Systems, Inc. Dynamic policy illustration system
US5974398A (en) * 1997-04-11 1999-10-26 At&T Corp. Method and apparatus enabling valuation of user access of advertising carried by interactive information and entertainment services
US5983214A (en) * 1996-04-04 1999-11-09 Lycos, Inc. System and method employing individual user content-based data and user collaborative feedback data to evaluate the content of an information entity in a large information communication network
US5999918A (en) * 1997-04-02 1999-12-07 Rational Investors, Inc. Interactive color confidence indicators for statistical data
US6012044A (en) * 1997-12-10 2000-01-04 Financial Engines, Inc. User interface for a financial advisory system
US6012043A (en) * 1996-09-09 2000-01-04 Nationwide Mutual Insurance Co. Computerized system and method used in financial planning
US6021397A (en) * 1997-12-02 2000-02-01 Financial Engines, Inc. Financial advisory system
US6189008B1 (en) * 1998-04-03 2001-02-13 Intertainer, Inc. Dynamic digital asset management
US6286005B1 (en) * 1998-03-11 2001-09-04 Cannon Holdings, L.L.C. Method and apparatus for analyzing data and advertising optimization
US6349290B1 (en) * 1998-06-30 2002-02-19 Citibank, N.A. Automated system and method for customized and personalized presentation of products and services of a financial institution
US6430542B1 (en) * 1998-08-26 2002-08-06 American Express Financial Corporation Computer-implemented program for financial planning and advice system
US6505202B1 (en) * 1998-08-04 2003-01-07 Linda Allan Mosquera Apparatus and methods for finding information that satisfies a profile and producing output therefrom
US6925441B1 (en) * 1997-10-27 2005-08-02 Marketswitch Corp. System and method of targeted marketing

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5848396A (en) * 1996-04-26 1998-12-08 Freedom Of Information, Inc. Method and apparatus for determining behavioral profile of a computer user
US6014638A (en) * 1996-05-29 2000-01-11 America Online, Inc. System for customizing computer displays in accordance with user preferences
US5862223A (en) * 1996-07-24 1999-01-19 Walker Asset Management Limited Partnership Method and apparatus for a cryptographically-assisted commercial network system designed to facilitate and support expert-based commerce
US6216129B1 (en) * 1998-12-03 2001-04-10 Expanse Networks, Inc. Advertisement selection system supporting discretionary target market characteristics

Patent Citations (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0139313A2 (en) * 1983-08-22 1985-05-02 Security Technology Corporation Blind signature systems
US5041972A (en) * 1988-04-15 1991-08-20 Frost W Alan Method of measuring and evaluating consumer response for the development of consumer products
US5537586A (en) * 1992-04-30 1996-07-16 Individual, Inc. Enhanced apparatus and methods for retrieving and selecting profiled textural information records from a database of defined category structures
US5983214A (en) * 1996-04-04 1999-11-09 Lycos, Inc. System and method employing individual user content-based data and user collaborative feedback data to evaluate the content of an information entity in a large information communication network
US5890152A (en) * 1996-09-09 1999-03-30 Seymour Alvin Rapaport Personal feedback browser for obtaining media files
US6012043A (en) * 1996-09-09 2000-01-04 Nationwide Mutual Insurance Co. Computerized system and method used in financial planning
US5956691A (en) * 1997-01-07 1999-09-21 Second Opinion Financial Systems, Inc. Dynamic policy illustration system
US5999918A (en) * 1997-04-02 1999-12-07 Rational Investors, Inc. Interactive color confidence indicators for statistical data
US5974398A (en) * 1997-04-11 1999-10-26 At&T Corp. Method and apparatus enabling valuation of user access of advertising carried by interactive information and entertainment services
US6925441B1 (en) * 1997-10-27 2005-08-02 Marketswitch Corp. System and method of targeted marketing
US6021397A (en) * 1997-12-02 2000-02-01 Financial Engines, Inc. Financial advisory system
US6012044A (en) * 1997-12-10 2000-01-04 Financial Engines, Inc. User interface for a financial advisory system
US6286005B1 (en) * 1998-03-11 2001-09-04 Cannon Holdings, L.L.C. Method and apparatus for analyzing data and advertising optimization
US6189008B1 (en) * 1998-04-03 2001-02-13 Intertainer, Inc. Dynamic digital asset management
US6349290B1 (en) * 1998-06-30 2002-02-19 Citibank, N.A. Automated system and method for customized and personalized presentation of products and services of a financial institution
US6505202B1 (en) * 1998-08-04 2003-01-07 Linda Allan Mosquera Apparatus and methods for finding information that satisfies a profile and producing output therefrom
US6430542B1 (en) * 1998-08-26 2002-08-06 American Express Financial Corporation Computer-implemented program for financial planning and advice system

Non-Patent Citations (95)

* Cited by examiner, † Cited by third party
Title
"‘Guerilla Marketing’ is a great buzzword but its a losing strategy (footnotes from the Palwuk Papers)," Hal Pawuk, 3 pgs, www.pawluk.com/papers/gorilla.htm, Oct. 8, 1996.
"A New Weapon For Competitive Advantage," SQ software quarterly, reprinted from SQ magazine, vol. 2, No. 4, 1995.
"Agent of Change," Scott Berkun, Wired 3.04, 3 pgs, Undated.
"Banking's Best of the Newest," Chris Costanzo, Bank Technology News, 6 pgs, Dec. 1996.
"Brother, Can You Sparadigm?" Jim Sterne, Webmaster, 2 pgs, Sep. 1996.
"Building Consumer Trust with Accurate Product Recommendations: A White Paper on LikeMinds WebSell 2.1," Dan R. Greening, 16 pgs, Unknown Author, "Likeminds Technology", 4 pgs, www.likeminds.com/, Sep. 9, 1998.
"Building Relationships Intelligently: the Firefly Software Tools. No. 1 in a Series," Flyfly Networks, Inc. 14 pgs, Undated.
"Collaborative Filters," Jerry Michalski, Release 1.0, Nov. 1996.
"Database marketing predicts customer loyalty," Sarah E. Varney, Datamation, 4 pgs, www.datamation.com, Sep. 1996.
"Finders Keepers," Andreas Evagora, 6 pgs, www.teledotcom.com, Aug. 7, 1997.
"Getting to Know," Miryam Williamson, Webmaster, 5 pgs, Sep. 1996.
"'Guerilla Marketing' is a great buzzword but its a losing strategy (footnotes from the Palwuk Papers)," Hal Pawuk, 3 pgs, www.pawluk.com/papers/gorilla.htm, Oct. 8, 1996.
"IBM Intelligent Agents," Don Gilbert, Peter Janca, 7 pgs, Jan. 17, 1997.
"In Webmoriam," Fred Hapgood, Wired, 3 pgs, Nov. 1996.
"Intelligent agents arrive for data management," Lynda Radosevich, Infoworld, Dec. 23/30, 1996.
"Intelligent Agents: A Technology and Business Application Analysis," Mark Nissen, Intelligent Agents, 35 pages, Nov. 30, 1995.
"Introduction to Future trends: Intelligent Agents," Ron Rassner, 3 pgs, www.cnilive.com, Dec. 9, 1996.
"My Problem with Agents," Jaron Lanier, Wired, 2 pgs, Nov. 1996.
"Special Report: Making Money on the Net," Larry Armstrong, Amy Cortese and Kathy Rebello, Business Week, 7 pgs, Sep. 23, 1996.
"Story, Creating Lifelong Customer Relationships: Why the Race for Customer Acquisition on the Internet is So Strategically Important," Genni C. Combes, Jeetil J. Patel, iWord, vol. 2, Issue 4, 15 pgs, Sep. 1997.
"The Comming Battle for Customer Information," John Hagel III and Jeffrey F. Rayport, Harvard Business Review, 8 pgs, Jan.-Feb. 1997.
"The Promise of One," Wired, 8 pgs, May 1998.
"The Real Value of ON-LINE Communities," Arthur Armstrong and John Hagel III, Harvard Business Review, 5 pgs, May-Jun. 1996.
"The Role of Intelligent Agents in the Informa . . . ," IBM Corporation, 12 pgs, 1995.
"Tuning in to Marimba," Jesse Freund, Wired, 2 pgs, Nov. 1996.
"Web Can Help Answer Finance Queries," Matt Krantz, Investor's Business Daily, Jan. 17, 1998.
"Why Firefly Has Mad Ave. Buzzing," Paul C. Judge, Business Week, 2 pgs, Oct. 7, 1996.
"You Light Up My Life," Carolyn Ross, The Red Herring, 5 pgs, Dec. 1996.
"You light up my life," Carolyn Ross, The Red Herring, Dec. 1996.
Adam Maria Gadomski, "Agents and Intelligence: The Concepts of Agent and Intelligent Agent," 6 pgs, wwwerg.casaccia.enea.it/int/gadomaski/gadagen.html, Jun. 24, 1998.
Bruce Krulwich, "BargainFinder agent now publicly available," 1 pg, www.cs.umbc.edu/agentlist/achive/1995/0151.html. Unknown Author, "BargainFinder Agent," 5 pgs, bf.star.ac.com/bf/agent2.html, Jun. 24, 1998.
Bruce Krulwich, Chad E. Burkey, Theodore D. Anagnost, and Mark Jacobson, "Agents-CSTar, CSTaR Intelligent Agents-Infofinders, Music World, LifeStyle Finder," Anderson Consulting, Home Page, Jun. 24, 1998.
Bruce Krulwich, Chad E. Burkey, Theodore D. Anagnost, and Mark Jacobson, "Agents—CSTar, CSTaR Intelligent Agents—Infofinders, Music World, LifeStyle Finder," Anderson Consulting, Home Page, Jun. 24, 1998.
Groupware users, Business Computing Brief, pp. 1-2, Apr. 1995. *
I Want, David Kline, Wired 3.01, 3 pgs, Undated.
Leslie Marable, Marketing and Commerce, pp. 1-2, Mar. 1997. *
Multimedia & Videodisc Monitor, Edge of Chaos, pp. 1-4, Apr. 1995. *
Rick E. Bruner, "Advertising Age: Net Perceptions takes on Firefly with profiling system," 2 pgs, adage.com/interactive/articles/19970721/article4.html, Jul. 1997.
Robert D. Hof, Heather Green, and Linda Himelstein, "Special Report-Now It's Your Web," 7 pgs, www.businessweek.com/1998/40/b3598023.htm, Oct. 5, 1998.
Robert D. Hof, Heather Green, and Linda Himelstein, "Special Report—Now It's Your Web," 7 pgs, www.businessweek.com/1998/40/b3598023.htm, Oct. 5, 1998.
Scott E. Sampson, Decision Sciences, Ramifications of Monitoring Service Quality Through passively Solicited Customer Feedback, pp. 601-605, Sep. 1996. *
Unknown Author, "Acorn(TM) Lifestyles, Databases," 11 pgs, www.caci.com, Sep. 30, 1998.
Unknown Author, "Acorn™ Lifestyles, Databases," 11 pgs, www.caci.com, Sep. 30, 1998.
Unknown Author, "Activity Summary Report," 1 page, "Demographics Report," 1 pg, "Automated Service for Internet Surveys Ushers in New Era of Fast, Easy and Affordable Market Research; Eliminates Need for Survey Software, Programming and Administration." 2 pgs, www.pathfinder.com, Mar. 24, 1998.
Unknown Author, "Anderson Consulting: Center for Strategic Technology Research, Who We Are, Thought Leadership," 5 pgs, www.ac.com, Jun. 24, 1998.
Unknown Author, "Aptex Software," 2 pgs, www.hnc.com.
Unknown Author, "Aptex Software:Delivering on the ROI Promise, SelectCast Advantage to Publishers, Advertising ROI in Action, SelectCast's Premiere Customers, Conclusion: What's Next on the Horizon at Aptex," 15 pgs Aptex Software-HNC Company, Nov. 6, 2007.
Unknown Author, "Aptex Software:Delivering on the ROI Promise, SelectCast Advantage to Publishers, Advertising ROI in Action, SelectCast's Premiere Customers, Conclusion: What's Next on the Horizon at Aptex," 15 pgs Aptex Software—HNC Company, Nov. 6, 2007.
Unknown Author, "Artificial Intelligence Research Groups and Resources," 9 pgs, www-mice.cs.ucla.ac.uk/misc/ai/ai.html, Aug. 7, 1997.
Unknown Author, "Autonomy Agentware Personalized Intelligent Agents: Autonomy Corporation, Product Information, What is an Intelligent Agent, Press Releases," 9 pgs, www.agentware.com, Jan. 15, 1997.
Unknown Author, "Bits & Pixels," 14 pgs, www.bitpix.com, Jun. 24, 1998.
Unknown Author, "Capital One Online Customer Survey," 3 pgs, www.capitalone.com, © 1998, Undated.
Unknown Author, "CarPoint Payment Calculator," 1 pg, www.carpoint.msn.com/Loancalc, Undated.
Unknown Author, "Claritas: The Precision Marketing Source: Precision Targeting, Precision Data, Industry-Based Solutions," 10 pgs, spider.claritas.com, Apr. 15, 1998.
Unknown Author, "Customer Profiling and GIS; Who are We?," 2 pgs, www.icontact.bc.ca/data.html, Aug. 7, 1997.
Unknown Author, "Direct Hit: Direct Hit Launches, About Direct Hit, Press, Company, Executive Bios," 7 pgs, www.directhit.com, Sep. 9, 1998.
Unknown Author, "Eliza, the Original Bot; Shallow Red(TM): A Bot for year 200," 3 pgs, www.botspot.com/main.html, Jun. 24, 1998.
Unknown Author, "Eliza, the Original Bot; Shallow Red™: A Bot for year 200," 3 pgs, www.botspot.com/main.html, Jun. 24, 1998.
Unknown Author, "Engage.Knowledge(TM): Real-Time Visitor Intelligence," 3 pgs, www.engagetech.com/knowledge.htm, Jun. 5, 1998.
Unknown Author, "Engage.Knowledge™: Real-Time Visitor Intelligence," 3 pgs, www.engagetech.com/knowledge.htm, Jun. 5, 1998.
Unknown Author, "Epilson: Turning data into Information and information into Marketing Solutions, Strategic Direct Marketing," 4 pgs, www.strategic-direct.com, Apr. 15, 1998.
Unknown Author, "Epiphany-Enterprise Relationship Management Systems, Company, About Us, Board of Advisors, Products, Clarity, Relevance, Momentum, Epicenter, Services, Information, Frequently Asked Questions," 18 pgs, www.epiphany.com; Unknown author, "About Meridian Marketing Group," 1 pg, www.ppgsoft.com/ppgsoft/marketsvcs.com, Undated.
Unknown Author, "Epiphany—Enterprise Relationship Management Systems, Company, About Us, Board of Advisors, Products, Clarity, Relevance, Momentum, Epicenter, Services, Information, Frequently Asked Questions," 18 pgs, www.epiphany.com; Unknown author, "About Meridian Marketing Group," 1 pg, www.ppgsoft.com/ppgsoft/marketsvcs.com, Undated.
Unknown Author, "General Magic: Company Information, Agent Technology," 2 pgs, www.generalmagic.com, May 15, 1998.
Unknown Author, "Gustos Guide: Why Gustos?, Our Technology, Privacy, FAQs, Test Drive, Installation, Help, Java Compatibility," 22 pgs, www.gustos.com, Undated.
Unknown Author, "Harvey-Learn about Harvey with the Harvey Tutorial," 35 pgs, www.homecom.com/harvey-presentation/index.html, Dec. 14, 1998.
Unknown Author, "Harvey—Learn about Harvey with the Harvey Tutorial," 35 pgs, www.homecom.com/harvey—presentation/index.html, Dec. 14, 1998.
Unknown Author, "Integrion: The Integrion Financial Network Solution," 3 pgs, "Description of Integrion Products and Services," 5 pgs, "Scope of the GOLD Message Summary," www.integrion.net, Mar. 20, 1998.
Unknown Author, "Intelliquest Information group, Inc.: Corporate Profile," 6 pgs, www.intelliquest.com, May 15, 1998.
Unknown Author, "Intelliweb Demo: AutoPlace," 6 pgs, www.micromass.com/demoworld/cardemo/index.html, Aug. 5, 1998.
Unknown Author, "Intuit,Inc.: Corporate Background," 22 pgs, www.intuit.com, Mar. 25, 1998.
Unknown Author, "iWebPRO: Secure Electronic Commerce," 3 pgs, www.cosmo21.com/iwebpro/secure.htm, Aug. 7, 1997.
Unknown Author, "Kormoran Marketing & Communications: Customer Profiling, GIS Mapping, Internet & WWW Services, Database Services," 16 pgs, www.kormoran.com, Aug. 7, 1997.
Unknown Author, "MBI Interactive: MBI's Commitment to Measuring the Web, Website User Profile, Introducing MBinteractive, Millward Brown Interactive, Internet Advertising Bureau Online Advertising Effectiveness Study, IAB Advertising Effectiveness Study Executive Summary," 12 pgs, www.mbinteractive.com, May 15, 1998.
Unknown Author, "Net Perceptions : Company Overview, GroupLens Toolkit, Technology, How it works, Specifications, White Papers, Press Releases, Frequently Asked Questions," 39 pgs, www.netperceptions.com, Mar. 3, 1998.
Unknown Author, "Net Perceptions, Inc.: Contact Information, Info & FAQ, Applications, White Paper, Technical Specs, Quotes, Articles in Press, Press Releases, PR Firm, Officers & Background, Directory, Recruiting," 30 pgs, www.netperceptions.com, Undated.
Unknown Author, "NetAngels: Trust Principles, What is an Angel, Users, Advertisers, Site Administrators, More About Nel Angels, FAQ, Employment," 20 pgs, www.netangels.com, Oct. 1, 1996.
Unknown Author, "Neural networks, Who are and what we do,Genetic Algorithms, Systems, Fuzzy Logic, Artificial life, Agenda, Book reviews," 11 pgs, 195.240.38.150/hccai/eng-al.htm, Aug. 7, 1997.
Unknown Author, "Neural networks, Who are and what we do,Genetic Algorithms, Systems, Fuzzy Logic, Artificial life, Agenda, Book reviews," 11 pgs, 195.240.38.150/hccai/eng—al.htm, Aug. 7, 1997.
Unknown Author, "One to One WebApps: The Angle, The Basic Priniciples of One to One Marketing," 19 pgs, www.broadvision.com, Jun. 15, 1997.
Unknown Author, "Personalogic: Press Room, Product Showcases," 32 pgs, www.personalogic.com, Oct. 14, 1998.
Unknown Author, "SelectCast(TM) for Ad Servers Facts, Aptex Software Inc.," 6 pgs, www.aptex.com, Undated.
Unknown Author, "SelectCast™ for Ad Servers Facts, Aptex Software Inc.," 6 pgs, www.aptex.com, Undated.
Unknown Author, "Services S1 Client Services: Info, Products, Customers, Partners," 25 pgs, www.S1.com, Mar. 17, 1998.
Unknown Author, "Softbots, Inc.," 6 pgs, www.softbots.com, Jan. 15, 1997.
Unknown Author, "Trajecta-Applications,Industry, Financial Services, Financial Services Scenario, Prospecting, Insurance," 6 pgs, www.trajecta.com, May 14, 1998.
Unknown Author, "Trajecta—Applications,Industry, Financial Services, Financial Services Scenario, Prospecting, Insurance," 6 pgs, www.trajecta.com, May 14, 1998.
Unknown Author, "Trends and Predictions, Agents in Action, How are they Different?," 4 pgs, www.yourcommand.com, Undated.
Unknown Author, "UMBC AgentNews Webletter, vol. 1, No. 10," 7 pgs, www.csee.umbc.edu/agentnews/96/10, Oct. 22, 1996.
Unknown Author, "Vertigo Development Group, Services, Custom Development, ONE on ONE Banking, Products, People, Technology," 29 pgs, www.vertigodev.com, Feb. 5, 1997.
Unknown Author, "You may select one answer per question," 7 pgs, www.majon.com, Undated.
Unknown Author, Firefly: What is Firefly?, Firefly Community Policy, Join Firefly, Firefly Terms of Service 8 pgs, www.firefly.net "Agent of Change," Scott Berkun, Wired 3.04, 3 pgs "Firefly-Goldman Sachs Internet Conference," Summary Sheet, 2 pgs, Undated.
Unknown Author, Firefly: What is Firefly?, Firefly Community Policy, Join Firefly, Firefly Terms of Service 8 pgs, www.firefly.net "Agent of Change," Scott Berkun, Wired 3.04, 3 pgs "Firefly—Goldman Sachs Internet Conference," Summary Sheet, 2 pgs, Undated.
Unknown Author, Growth in World Wide Web May Be Slowing; Survey Finds Concerns About Privacy, 3 pgs, "GVU's 6th WWW User Survey," 16 pgs, www.cc.gatch.edu, Jan. 14, 1997.
Unknown Author, HNC Software Inc.: Products, About HNC, News, Modeling Systems Products, 11 pgs, www.hnc.com, May 14, 1998.

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090299850A1 (en) * 2008-05-30 2009-12-03 Nhn Corporation Computing system and computer-implemented method of providing targeted advertisement using account space
US20110029365A1 (en) * 2009-07-28 2011-02-03 Beezag Inc. Targeting Multimedia Content Based On Authenticity Of Marketing Data
US9525687B2 (en) 2012-12-28 2016-12-20 Wal-Mart Stores, Inc. Template for customer attributes

Also Published As

Publication number Publication date Type
US6236975B1 (en) 2001-05-22 grant
US20120109711A1 (en) 2012-05-03 application

Similar Documents

Publication Publication Date Title
Sarel et al. Marketing online banking services: The voice of the customer
Hernon et al. E-service quality in libraries: Exploring its features and dimensions
US7013325B1 (en) Method and system for interactively generating and presenting a specialized learning curriculum over a computer network
US7167855B1 (en) Internet-based matching service for expert consultants and customers with matching of qualifications and times of availability
US4567359A (en) Automatic information, goods and services dispensing system
US7657465B2 (en) Systems and methods to facilitate selling of products and services
US5956691A (en) Dynamic policy illustration system
US7689504B2 (en) System and method for establishing or modifying an account with user selectable terms
US7620565B2 (en) Customer-based product design module
US7212985B2 (en) Automated system and method for managing a process for the shopping and selection of human entities
Pariseau et al. Assessing service quality in schools of business
Jong et al. Adaptive versus proactive behavior in service recovery: the role of self‐managing teams
US7222078B2 (en) Methods and systems for gathering information from units of a commodity across a network
US9009082B1 (en) Assessing user-supplied evaluations
US7080027B2 (en) Method and system for analyzing the effectiveness of marketing strategies
US20020023018A1 (en) Method and system for network-based community for sharing information services
US20010014868A1 (en) System for the automatic determination of customized prices and promotions
US20020004757A1 (en) System and method of planning a funeral
US20080183806A1 (en) Presentation of media segments
US20040249713A1 (en) Method for implementing online advertising
US6574608B1 (en) Web-based system for connecting buyers and sellers
US20030174178A1 (en) System for presenting differentiated content in virtual reality environments
US20070061412A1 (en) System and method for design and dynamic generation of a web page
US20030200137A1 (en) Novel system and method for polling a group
US20020013836A1 (en) Interactive online learning with student-to-tutor matching

Legal Events

Date Code Title Description
REMI Maintenance fee reminder mailed
LAPS Lapse for failure to pay maintenance fees
REIN Reinstatement after maintenance fee payment confirmed
FPAY Fee payment

Year of fee payment: 12

SULP Surcharge for late payment
PRDP Patent reinstated due to the acceptance of a late maintenance fee

Effective date: 20111025