公开(公告)号：US20130110668A1

公开(公告)日：2013-05-02

申请号：US13359551

申请日：2012-01-27

申请人： Melissa Christine Derville Hart ,  Katherine Kei-Zen Dintenfass ,  James Arthur Blanchard ,  Kim Elizabeth Childress ,  Joseph Neil Johansen ,  Preston J. Taylor ,  Anh Aragon Mooney ,  Lisa L. Bogart ,  Kevin Clark May

发明人： Melissa Christine Derville Hart ,  Katherine Kei-Zen Dintenfass ,  James Arthur Blanchard ,  Kim Elizabeth Childress ,  Joseph Neil Johansen ,  Preston J. Taylor ,  Anh Aragon Mooney ,  Lisa L. Bogart ,  Kevin Clark May

IPC分类号： G06Q30/06

CPC分类号： G06Q30/00 ,  G06Q30/06

摘要： A method, apparatus, computer-readable medium and system are disclosed for presenting product and service offerings to a user. In some embodiments, dynamic messaging may be used to facilitate comparison shopping, allowing a user to select a product or service that best meets the user's needs. In some embodiments, the terms or conditions associated with an offer may be based on a user's relationship with the product or service provider. For example, accounts that the user has with the provider may be analyzed to determine what terms or conditions the user is eligible for. The accounts may be linked to one another, optionally upon the request of the user, to facilitate the analysis. In some embodiments, the product or service offerings may be associated with a financial institution, such as a bank. Suggested or recommended terms and conditions may be dynamically updated as a user progresses through an application process.

摘要翻译： 公开了用于向用户呈现产品和服务提供的方法，装置，计算机可读介质和系统。 在一些实施例中，可以使用动态消息传递来促进比较购物，从而允许用户选择最能满足用户需求的产品或服务。 在一些实施例中，与提供相关联的条款或条件可以基于用户与产品或服务提供商的关系。 例如，可以分析用户对提供商的帐户，以确定用户符合条件的条件。 帐户可以可选地根据用户的请求相互链接，以便于分析。 在一些实施例中，产品或服务产品可以与诸如银行的金融机构相关联。 建议或推荐的条款和条件可以在用户通过应用程序进行时动态更新。