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.

1 - 26 . (canceled) 
     
     
         27 . A method for providing access to a value proposition based on at least one offer from a at least one provider and distributing access to the value proposition to a destination communication device possessed by a recipient, the method comprising:
 storing data in at least one computer memory of a central computing system, the data including
 a first profile including a set of campaign requirements related to the at least one provider; 
 a second profile including a set of demographic data related to the recipient; and 
 potential available offers from the providers available to the recipient; 
   storing rules in the at least one computer memory, the rules for determining a value proposition for the recipient;   accessing the computer memory using a computer processor of the central computing system to execute instructions using the stored rules and the stored data to perform steps including:
 applying the stored campaign requirements from the first profile to the second profile to select at least one available offer for the recipient from the potential available offers; 
 generating a value proposition for the recipient based on the available offers; and 
 facilitating transmission of the value proposition from the central computing system to the recipient destination communication device. 
   
     
     
         28 . The method of  claim 27 , wherein facilitating transmission comprises adapting the value proposition to a transmission channel. 
     
     
         29 . The method of  claim 28 , wherein the transmission channel comprises at least one of internet, intranet, extranet, ATM, direct mail, email, and call center. 
     
     
         30 . The method of  claim 28 , wherein the recipient enters a preferred transmission channel into the system. 
     
     
         31 . The method of  claim 27 , further comprising building the second profile based on user interaction with the system. 
     
     
         32 . The method of  claim 27 , further comprising collecting the recipient data in real time based on recipient interaction with the system and storing the collected recipient data in the second profile. 
     
     
         33 . The method of  claim 27 , further comprising recording events relevant to the recipient. 
     
     
         34 . The method of  claim 33 , further comprising providing for event subscriptions for system users. 
     
     
         35 . The method of  claim 34 , wherein the system provides a notification of events to the event subscribers. 
     
     
         36 . The method of  claim 34 , wherein each event is associated with a particular recipient. 
     
     
         37 . The method of  claim 27 , further comprising requiring an authentication process for verifying recipients. 
     
     
         38 . The method of  claim 37 , further comprising storing an authentication token in a recipient session. 
     
     
         39 . The method of  claim 38 , further comprising passing the authentication token with each recipient request. 
     
     
         40 . A system for providing access to a value proposition based on an offer from at least one provider and distributing access to the value proposition to a destination communication device possessed by a recipient, the system comprising:
 at least one computer memory, the computer memory storing data including:   a first profile including a set of campaign requirements related to the at least one provider;   a second profile including a set of demographic data related to the recipient; and   potential available offers from the providers available to the recipient;   rules stored in the computer memory, the rules for determining a value proposition for the recipient; and   a computer processor accessing the computer memory to execute instructions using the stored rules and the stored data to perform steps including:   applying the stored rules from the first profile to the second profile to select at least one available offer for the recipient from the potential available offers;   generating a value proposition for the recipient based on the available offers; and   facilitating transmission of the value proposition from the computing system over a network to the recipient destination communication device.   
     
     
         41 . The method of  claim 40 , wherein facilitating transmission comprises adapting the value proposition to a transmission channel. 
     
     
         42 . The method of  claim 41 , wherein the transmission channel comprises at least one of internet, intranet, extranet, ATM, direct mail, email, and call center. 
     
     
         43 . The method of  claim 41 , wherein the recipient enters a preferred transmission channel into the system. 
     
     
         44 . The method of  claim 40 , further comprising building the second profile based on user interaction with the system. 
     
     
         45 . The method of  claim 40 , further comprising collecting the recipient data in real time based on recipient interaction with the system and storing the collected recipient data in the second profile. 
     
     
         46 . The method of  claim 40 , further comprising recording events relevant to the recipient. 
     
     
         47 . The method of  claim 46 , further comprising providing for event subscriptions for system users. 
     
     
         48 . The method of  claim 47 , wherein the system provides a notification of events to the event subscribers. 
     
     
         49 . The method of  claim 47 , wherein each event is associated with a particular recipient. 
     
     
         50 . The method of  claim 40 , further comprising requiring an authentication process for verifying recipients. 
     
     
         51 . The method of  claim 50 , further comprising storing an authentication token in a recipient session. 
     
     
         52 . The method of  claim 51 , further comprising passing the authentication token with each recipient request.