Personalized Interactive Network with Knowledge Management System

Abstract

Systems and methods personalize interaction between an intermediary system, a plurality of consumers, and a plurality of third party providers of products and services. For each consumer, a plurality of personalized value propositions may be generated for various products and/or services. The value propositions have personalized terms such that the same good or service offered to one consumer may be offered on different terms to another consumer. The system may generate a list of personalized value propositions for each consumer corresponding to various products and/or services to promote to that consumer. When a consumer interacts with the intermediary system, one value proposition from the list may be selected for presentation. In other embodiments, a plurality of value propositions from the list may be selected for presentation to a consumer as a package. Consumers can interact with the system over a variety of communication channels and user devices, including ATMs, PDAs, cell phones, computers accessing web sites or other Web Devices, Voice Response Units (VRUs), and others.

What is claimed is: 
     
         1 . A computer-implemented method for delivering personalized offers for at least one of products and services in a system including a plurality of consumers, an intermediary system, and a plurality of merchants, comprising:
 storing in at least one non-transitory computer memory, data and instructions pertaining to at least one of products and services to be offered;   accessing the at least one computer memory using a computer processor at a server-based intermediary system to execute instructions and to perform operations including:   storing data in said at least one computer memory including account information for a plurality of consumers,   determining value propositions for at least some of said consumers comprising offers for consumers to buy at least one of a third party product and a third party service,   said value propositions being personalized for the at least some consumers receiving them, and   said value propositions having terms personalize for the consumers receiving them;   transmitting, by said intermediary system, said value propositions to the at least some consumers;   receiving at said intermediary system an indication of interest from a specific consumer responsive to a value proposition personalized for that consumer; and   providing for the delivery of the at least one of a third party product and a third party service to said specific consumer pursuant to the personalized terms of the value proposition for that consumer.   
     
     
         2 . A computer-implemented method for delivering personalized offers according to  claim 1 , wherein said intermediary system comprises a financial institution, and further comprising determining value propositions comprising offers for consumers to acquire at least one of a product and a service of said financial institution. 
     
     
         3 . A computer-implemented method for delivering personalized offers according to  claim 1 , wherein a personalized value proposition for a product for a first consumer has terms different from a personalized value proposition for the same product for a second consumer. 
     
     
         4 . A computer-implemented method for delivering personalized offers according to  claim 1 , wherein a personalized value proposition for a service for a first consumer has terms different from a personalized value proposition for the same service for a second consumer. 
     
     
         5 . A computer-implemented method for delivering personalized offers according to  claim 1 , wherein said terms comprise price, and wherein a personalized value proposition for a product for a first consumer has a different price from a personalized value proposition for the same product for a second consumer. 
     
     
         6 . A computer-implemented method for delivering personalized offers according to  claim 1 , wherein said terms comprise price, and wherein a personalized value proposition for a service for a first consumer has a different price from a personalized value proposition for the same service for a second consumer. 
     
     
         7 . A computer-implemented method for delivering personalized offers according to  claim 1 , wherein said value propositions are personalized by accessing consumer profile data. 
     
     
         8 . A computer-implemented method for delivering personalized offers according to  claim 1 , wherein a personalized value proposition list is created for each consumer, the personalized value proposition list having a plurality of different products or services to offer to said consumer. 
     
     
         9 . A computer-implemented method for delivering personalized offers according to  claim 1 , wherein a personalized value proposition list is created for each consumer, the personalized value proposition list having a plurality of different products or services to offer to said consumer, and further comprising:
 selecting one or more value propositions from the value proposition list to present to said consumer.   
     
     
         10 . A computer-implemented method for delivering personalized offers according to  claim 1 , wherein a personalized value proposition list is created for each consumer, the personalized value proposition list having a plurality of different products or services to offer to said consumer, and further comprising:
 selecting a plurality of value propositions from the value proposition list to present to said consumer as a package.   
     
     
         11 . A computer-implemented method for delivering personalized offers according to  claim 1 , wherein at least some of said personalized value propositions are generated dynamically while a consumer is in communication with said intermediary system. 
     
     
         12 . A computer-implemented method for delivering personalized offers according to  claim 1 , further comprising:
 storing information of a plurality of campaigns for promoting a plurality of different products or services; and   creating for each campaign a tag list of consumers to contact for the product or service of that campaign   
     
     
         13 . A computer-based system for delivering personalized offers for at least one of products and services, comprising:
 at least one processor at a server-based intermediary system, the server-based intermediary system communicating through at least one computer network with a plurality of third party merchants and a plurality of consumer access devices;   at least one non-transitory computer memory coupled to the processor, the computer memory storing account information for consumers;   a personalization engine determining value propositions for at least some of said consumers comprising offers for consumers to buy at least one of a third party product and a third party service,   said value propositions being personalized for the at least some consumers receiving them, and   said value propositions having terms personalized for the consumers receiving them;   an outbound channel server transmitting said value propositions to the at least some consumers;   an inbound channel server receiving at said intermediary system an indication of interest from a specific consumer responsive to a value proposition personalized for that consumer.   
     
     
         14 . A computer-based system for delivering personalized offer according to  claim 13 , wherein said inbound channel server and said outbound channel server comprise a single server. 
     
     
         15 . A computer-based system for delivering personalized offer according to  claim 13 , wherein said inbound channel server and said outbound channel server comprise at least one web server. 
     
     
         16 . A computer-based system for delivering personalized offer according to  claim 13 , wherein said intermediary system comprises a financial institution, and further wherein said personalization engine determines value propositions comprising offers for consumers to acquire at least one of a product and a service of said financial institution. 
     
     
         17 . A computer-based system for delivering personalized offer according to  claim 13 , wherein a personalized value proposition for a product or service for a first consumer has terms different from a personalized value proposition for the same product or service for a second consumer. 
     
     
         18 . A computer-based system for delivering personalized offer according to  claim 13 , wherein said terms comprise price, and wherein a personalized value proposition for a product or service for a first consumer has a different price from a personalized value proposition for the same product or service for a second consumer. 
     
     
         19 . A computer-based system for delivering personalized offer according to  claim 13 , wherein said value propositions are personalized by accessing consumer profile data. 
     
     
         20 . A computer-based system for delivering personalized offer according to  claim 13 , wherein a personalized value proposition list is created for each consumer, the personalized value proposition list having a plurality of different products or services to offer to said consumer. 
     
     
         21 . A computer-based system for delivering personalized offer according to  claim 13 , wherein a personalized value proposition list is created for each consumer, the personalized value proposition list having a plurality of different products or services to offer to said consumer, and further wherein:
 the personalization engine selects one or more value propositions from the value proposition list to present to said consumer.   
     
     
         22 . A computer-based system for delivering personalized offer according to  claim 13 , wherein a personalized value proposition list is created for each consumer, the personalized value proposition list having a plurality of different products or services to offer to said consumer, and further comprising:
 the personalization engine selecting a plurality of value propositions from the value proposition list to present to said consumer as a package.   
     
     
         23 . A computer-implemented method for delivering personalized offers for at least one of products and services in a system including a plurality of consumers, an intermediary system, and a plurality of merchants, comprising:
 storing in at least one non-transitory computer memory, data and instructions pertaining to at least one of products and services to be offered;   accessing the at least one computer memory using a computer processor at a server-based intermediary system to execute instructions and to perform operations including:   storing data in said at least one computer memory including account information for a plurality of consumers,   determining value propositions for a first consumer and a second consumer comprising offers to buy a product or service,   the first value proposition being personalized for the first consumer and a second value proposition being personalized for the second consumer,   the first value proposition having personalized terms comprising price for the first consumer and the second value proposition having personalized terms comprising price for the second consumer such that the prices for the first and second consumers are different for the same product or service,   determining a plurality of other value propositions personalized for the first consumer and delivering a personalized package of value propositions to the first consumer,   determining a plurality of other value propositions personalized for the second consumer and delivering a personalized package of value propositions to the second consumer; and   transmitting, by said intermediary system, personalized packages of value propositions to the first consumer and the second consumer; and   enabling the delivery of products or services pursuant to the terms of at least one value proposition in a personalized package of value propositions.