System, method, and computer program product for selecting and presenting financial products and services

Abstract

An apparatus and method use client information to automatically select products appropriate for the client. According to one aspect of the invention, client information, information about the products, ancillary data, and decision criteria pertaining to selection from among the products are stored in a storage device Decision-making logic circuitry use the stored data to select the products. An output device prepares a client communication identifying the selected products and incorporates a portion of the client information and a portion of the product information into the client communication.

What is claimed is: 
     
         1 . A method comprising the steps of:
 receiving client data for a plurality of clients at a processor;   receiving product data at the processor;   preparing, by the processor, a client communication for certain clients of the plurality of clients, wherein each client communication for each certain client comprises a portion of the product data and a portion of the client data,   wherein the portion of the product data for each certain client is based on the client data for that particular client; and   wherein the portion of product data constitutes a product.