Patents by Inventor Richard Marc Libman
Richard Marc Libman has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20140316909Abstract: Methods and systems for preparing combined communications having a plurality of client communication sections is presented. Initial interest in a product or service offer is received from a client at a computer system. The computer system generates a communications that combine host information and one or more client communication sections, wherein the client communication sections contain a second offer for the product or service.Type: ApplicationFiled: May 1, 2014Publication date: October 23, 2014Applicant: Phoenix Licensing, LLCInventor: Richard Marc Libman
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Publication number: 20140257948Abstract: 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.Type: ApplicationFiled: May 23, 2014Publication date: September 11, 2014Applicant: PHOENIX LICENSING, LLCInventor: Richard Marc Libman
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Patent number: 8738435Abstract: 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.Type: GrantFiled: December 9, 2013Date of Patent: May 27, 2014Assignee: LPL Licensing, LLCInventor: Richard Marc Libman
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Patent number: 8719114Abstract: Methods and systems for preparing combined communications having a plurality of client communication sections is presented. Initial interest in a product or service offer is received from a client at a computer system. The computer system generates a communications that combine host information and one or more client communication sections, wherein the client communication sections contain a second offer for the product or service.Type: GrantFiled: July 27, 2012Date of Patent: May 6, 2014Assignee: Phoenix Licensing, LLCInventor: Richard Marc Libman
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Publication number: 20140108157Abstract: 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.Type: ApplicationFiled: December 9, 2013Publication date: April 17, 2014Applicant: PHOENIX LICENSING, LLCInventor: Richard Marc Libman
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Patent number: 8606632Abstract: An apparatus and method are provided that receive client data for a plurality of clients and financial product data at a processor. The processor prepares a client communication for some of the clients. The client communication incorporates a portion of the client data and a portion of the financial product data. The financial product data for each client is based on the client data. Moreover, the financial product data constitutes the financial product offered in the client communication. decision criteria pertaining to selection from among the financial products, The method also includes storing the client information, the financial products information, the ancillary information, and the decision criteria. This method further includes using the client information, the financial products information, the ancillary information, and the decision criteria to select a subset of the financial products.Type: GrantFiled: August 9, 2010Date of Patent: December 10, 2013Assignee: Phoenix Licensing, LLCInventor: Richard Marc Libman
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Patent number: 8458052Abstract: A system for automatically preparing customized replies in response to communications from a plurality of clients. To facilitate automation and tracking, each original communication to the client (or each original response from the client) is tagged with a unique label, and replies to client responses are each correspondingly labeled. The system provides individualized replies to each of a variety of response options that a client might exercise in response to a received communication, whether an original communication or a reply to a previous response. The system is applicable to mass marketing communications, and is particularly well suited to the generation of personalized replies to each and every one of a multitude (tens of thousands and up to millions) of communications from clients. The system is also capable of continuing to generate replies to follow-up responses from clients and to thereby maintain an ongoing “conversation” until the client makes a purchase decision, or no longer responds.Type: GrantFiled: July 26, 2011Date of Patent: June 4, 2013Assignee: Phoenix Licensing, LLCInventor: Richard Marc Libman
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Publication number: 20120296748Abstract: Methods and systems for preparing combined communications having a plurality of client communication sections is presented. Initial interest in a product or service offer is received from a client at a computer system. The computer system generates a communications that combine host information and one or more client communication sections, wherein the client communication sections contain a second offer for the product or service.Type: ApplicationFiled: July 27, 2012Publication date: November 22, 2012Applicant: PHOENIX LICENSING, LLCInventor: Richard Marc Libman
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Patent number: 8234184Abstract: A system for automatically preparing customized replies in response to communications from a plurality of clients. To facilitate automation and tracking, each original communication to the client (or each original response from the client) is tagged with a unique label, and replies to client responses are each correspondingly labeled. The system provides individualized replies to each of a variety of response options that a client might exercise in response to a received communication, whether an original communication or a reply to a previous response. The system is applicable to mass marketing communications, and is particularly well suited to the generation of personalized replies to each and every one of a multitude (tens of thousands and up to millions) of communications from clients. The system is also capable of continuing to generate replies to follow-up responses from clients and to thereby maintain an ongoing “conversation” until the client makes a purchase decision, or no longer responds.Type: GrantFiled: July 15, 2005Date of Patent: July 31, 2012Assignee: Phoenix Licensing, LLCInventor: Richard Marc Libman
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Patent number: 8175934Abstract: A system for automatically preparing customized replies in response to communications from a plurality of clients. To facilitate automation and tracking, each original communication to the client (or each original response from the client) is tagged with a unique label, and replies to client responses are each correspondingly labeled. The system provides individualized replies to each of a variety of response options that a client might exercise in response to a received communication, whether an original communication or a reply to a previous response. The system is applicable to mass marketing communications, and is particularly well suited to the generation of personalized replies to each and every one of a multitude (tens of thousands and up to millions) of communications from clients. The system is also capable of continuing to generate replies to follow-up responses from clients and to thereby maintain an ongoing “conversation” until the client makes a purchase decision, or no longer responds.Type: GrantFiled: July 26, 2011Date of Patent: May 8, 2012Assignee: Phoenix Licensing, LLCInventor: Richard Marc Libman
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Patent number: 8073735Abstract: An automated system determines appropriate compliance information for documents pertaining to financial products or services. The compliance information can vary on each document depending on the particular financial product and/or financial service, and based on both company and jurisdictional requirements.Type: GrantFiled: May 25, 2007Date of Patent: December 6, 2011Assignee: Phoenix Licensing, LLCInventor: Richard Marc Libman
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Publication number: 20110288933Abstract: A system for automatically preparing customized replies in response to communications from a plurality of clients. To facilitate automation and tracking, each original communication to the client (or each original response from the client) is tagged with a unique label, and replies to client responses are each correspondingly labeled. The system provides individualized replies to each of a variety of response options that a client might exercise in response to a received communication, whether an original communication or a reply to a previous response. The system is applicable to mass marketing communications, and is particularly well suited to the generation of personalized replies to each and every one of a multitude (tens of thousands and up to millions) of communications from clients. The system is also capable of continuing to generate replies to follow-up responses from clients and to thereby maintain an ongoing “conversation” until the client makes a purchase decision, or no longer responds.Type: ApplicationFiled: July 26, 2011Publication date: November 24, 2011Applicant: PHOENIX LICENSING, LLCInventor: Richard Marc Libman
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Publication number: 20110282737Abstract: A system for automatically preparing customized replies in response to communications from a plurality of clients. To facilitate automation and tracking, each original communication to the client (or each original response from the client) is tagged with a unique label, and replies to client responses are each correspondingly labeled. The system provides individualized replies to each of a variety of response options that a client might exercise in response to a received communication, whether an original communication or a reply to a previous response. The system is applicable to mass marketing communications, and is particularly well suited to the generation of personalized replies to each and every one of a multitude (tens of thousands and up to millions) of communications from clients. The system is also capable of continuing to generate replies to follow-up responses from clients and to thereby maintain an ongoing “conversation” until the client makes a purchase decision, or no longer responds.Type: ApplicationFiled: July 26, 2011Publication date: November 17, 2011Applicant: PHOENIX LICENSING, LLCInventor: Richard Marc Libman
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Patent number: 8019644Abstract: A method and apparatus are provided for automatically preparing a client communication pertaining to a financial product for a client, wherein the client communication is for combined use with a corresponding host vehicle. The method comprises providing a format for the client communication wherein the communication format includes a variable portion; inputting into a computer-accessible storage medium variable information other than a client identification; inputting into the storage medium decision information; and using the decision information to select a subset of the variable information for inclusion in a variable portion of the client communication corresponding to the variable portion of the client communication format.Type: GrantFiled: June 30, 2007Date of Patent: September 13, 2011Assignee: Phoenix Licensing, LLCInventor: Richard Marc Libman
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Patent number: 7991649Abstract: A system for automatically preparing customized replies in response to communications from a plurality of clients. To facilitate automation and tracking, each original communication to the client (or each original response from the client) is tagged with a unique label, and replies to client responses are each correspondingly labeled. The system provides individualized replies to each of a variety of response options that a client might exercise in response to a received communication, whether an original communication or a reply to a previous response. The system is applicable to mass marketing communications, and is particularly well suited to the generation of personalized replies to each and every one of a multitude (tens of thousands and up to millions) of communications from clients. The system is also capable of continuing to generate replies to follow-up responses from clients and to thereby maintain an ongoing “conversation” until the client makes a purchase decision, or no longer responds.Type: GrantFiled: April 19, 2007Date of Patent: August 2, 2011Assignee: Phoenix Licensing, LLCInventor: Richard Marc Libman
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Patent number: 7890366Abstract: A personalized communication document pertaining to financial products or services is provided, including a method and system for preparing the same. The financial product and/or financial services are associated with a set of separate descriptions, characteristics and/or identifications, any one of which may be presented within a personalized content section of the personalized communication documents. The documents are generated automatically by a computing system such that different consumer entities can be provided with different personalized content for a particular product/service.Type: GrantFiled: December 22, 2006Date of Patent: February 15, 2011Assignee: Phoenix Licensing, LLCInventor: Richard Marc Libman
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Patent number: 7860744Abstract: A personalized notice pertaining to financial products or services is provided, including a method and system for preparing the same. The financial product and/or financial services are associated with a set of separate descriptions, characteristics and/or identifications, any one of which may be presented within a personalized content section of the personalized communication documents. The notices are generated automatically by a computing system such that different consumer entities can be provided with different personalized content for a particular product/service.Type: GrantFiled: April 27, 2007Date of Patent: December 28, 2010Assignee: Phoenix Licensing, LLCInventor: Richard Marc Libman
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Patent number: 7856375Abstract: A personalized communication document pertaining to financial products or services is provided, including a method and system for preparing the same. The financial product and/or financial services are associated with a set of separate descriptions, characteristics and/or identifications, any one of which may be presented within a personalized content section of the personalized communication documents. The documents are generated automatically by a computing system such that different consumer entities can be provided with different personalized content for a particular product/service.Type: GrantFiled: December 29, 2006Date of Patent: December 21, 2010Assignee: Phoenix Licensing, LLCInventor: Richard Marc Libman
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Patent number: 7778867Abstract: A method and apparatus are provided for automatically preparing a client communication pertaining to a financial product for a client, wherein the client communication is for combined use with a corresponding host vehicle. The method comprises providing a format for the client communication wherein the communication format includes a variable portion; inputting into a computer-accessible storage medium variable information other than a client identification; inputting into the storage medium decision information; and using the decision information to select a subset of the variable information for inclusion in a variable portion of the client communication corresponding to the variable portion of the client communication format.Type: GrantFiled: June 30, 2007Date of Patent: August 17, 2010Assignee: Phoenix Licensing, LLCInventor: Richard Marc Libman
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Patent number: 7774230Abstract: An apparatus and method are provided which use client information from a client to automatically select and present financial products appropriate for the client. The apparatus according to one aspect of the invention comprises an input device for inputting client information relevant to a need by the client for the financial products, for inputting information about the financial products, for inputting ancillary data which excludes the client information and the financial products information, and for inputting decision criteria pertaining to selection from among the financial products. The apparatus still further includes decision making logic circuitry for using the client information, the financial products information, the ancillary information, and the decision criteria to select a subset of the financial products. It further includes an output device for preparing a client communication which identifies the subset of the financial products.Type: GrantFiled: April 4, 2003Date of Patent: August 10, 2010Assignee: Phoenix Licensing, LLCInventor: Richard Marc Libman