System and method to provide a response to an inquiry

The present application is a continuation of U.S. patent application Ser. No. 11/734,486, filed Apr. 12, 2007, now U.S. Pat. No. 8,630,402, and is related in subject matter to U.S. patent application Ser. No. 11/734,457, filed Apr. 12, 2007, and U.S. patent application Ser. No. 11/734,524, filed Apr. 12, 2007.

Various embodiments of the disclosure pertain to a system and method to receive an inquiry from a party, wherein the inquiry comprises a plurality of inquiry classifiers that are provided by the party, determine a party status, translate the plurality of inquiry classifiers and the party status into a skill set, route the inquiry to a primary representative based on the skill set, and provide a inquiry response to the party.

Providing a response to an inquiry is well-known and readily appreciated by those of skill in the art. Typically, a customer may have questions about a good or service provided by a provider, and that customer may submit an inquiry to the provider. For example, the provider may provide a form on a website for the customer to submit the inquiry, and that form may ask for a general subject and a brief description of the inquiry. The inquiry is then sent to a representative of the provider, and the representative provides the customer with a response to the inquiry.

However, when the provider provides multiple lines of business including many different goods and/or services, such conventional systems and methods for providing a response to an inquiry raise a number of issues. Typically, the different lines of business use different processes and applications for responding to the customer inquiries, resulting in an appearance to the customer that the provider is a plurality of independent businesses rather than one entity including a plurality of business lines that provide multiple goods and/or services. A multiple-business-line provider may require that the customer submit their inquiry by classifying their question as a general subject and including a description of the subject matter of the question. The inquiry is then sent to a database with all other inquiries from other customers. A plurality of representatives then choose inquiries from the database, typically based on their knowledge of the general subject that the customer classified the inquiry. However, the customer may incorrectly classify the general subject of the question, resulting in the representative not being able to provide a response that satisfies the customer, or the representative may not have the proper knowledge of the general subject of the inquiry to provide a response that satisfies the customer. Furthermore, the inquiry may include multiple inquiries that run across different lines of businesses of the provider, and the representative may not have the proper knowledge to provide a response to all the different inquiries such that the customer is satisfied with the response. Conventional solutions to these problems include manually reviewing and routing inquiries to ensure that they reach representatives with the proper knowledge to provide a response that satisfies the customer. Such solutions are time intensive and result in longer response times. Other solutions include using artificial intelligence programs that search the description of the subject matter of the question provided by the customer and classify the inquiry based on that terms found in that search. Such solutions are prone to errors in classification.

Accordingly, it would be desirable to provide an improved system and method to provide a response to an inquiry.

Various embodiments of the present disclosure are directed to systems and methods to provide a response to an inquiry. The systems and methods provide techniques to receive an inquiry from a party, wherein the inquiry comprises a plurality of inquiry classifiers that are provided by the party, determine a party status, translate the plurality of inquiry classifiers and the party status into a skill set, route the inquiry to a primary representative based on the skill set, and provide a inquiry response to the party.

FIG. 1 a is a schematic view illustrating an embodiment of a system to provide a response to an inquiry.

FIG. 1 b is a schematic view illustrating an embodiment of an information handling system used with the system to provide a response to an inquiry of FIG. 1 a.

FIG. 1 c is a schematic view illustrating an embodiment of a provider used in the system to provide a response to an inquiry of FIG. 1 a.

FIG. 2 a is a flow chart illustrating an embodiment of a method to provide a response to an inquiry.

FIG. 2 b is a screen shot illustrating an embodiment of a product and/or services website used in the method of FIG. 2 a.

FIG. 2 c is a screen shot illustrating an embodiment of a credit card website used in the method of FIG. 2 a.

FIG. 2 d is a screen shot illustrating an embodiment of an inquiry form website used in the method of FIG. 2 a.

FIG. 2 e is a screen shot illustrating an embodiment of a representative skill set website used in the method of FIG. 2 a.

FIG. 2 f is a screen shot illustrating an embodiment of a representative worklist website used in the method of FIG. 2 a.

Referring now to FIG. 1 a , in one embodiment, a system to provide a response to an inquiry 100 is illustrated. The system 100 includes a computer network 105 such as, for example, a Transport Control Protocol/Internet Protocol (TCP/IP) network (e.g., the internet or an intranet). A provider 110 is operably coupled to the network 105 . A plurality of parties 115 , 120 and 125 are also operably coupled to the network 105 in order to allow communication between the parties 115 , 120 and 125 and the provider 110 . In an embodiment, the provider 110 includes any entity providing products and/or services. In an embodiment, the provider 110 may include a plurality of business lines such as, for example, banking, insurance, financial services, loan providing, and/or a variety of other services known in the art, and the provider 110 may offer a plurality of products and/or services in each business line. In an embodiment, the provider 110 includes a membership organization which provides a plurality of services for its members such as, for example, banking, insurance, financial services, loan providing, and/or a variety of other services known in the art, wherein the members include parties 115 , 120 and 125 . In an embodiment, the provider 110 is a third party to a party and a provider where the provider is attempting to provide products and/or services to the party. In an embodiment, the parties 115 , 120 and 125 may be, for example, a person interested in a product or service offered by a provider.

Each of the provider 110 and the parties 115 , 120 and 125 includes a respective network interface for communicating with the network 105 (e.g., outputting information to, and receiving information from, the network 105 ), such as by transferring information (e.g., instructions, data, signals) between such parties and the network 105 . Accordingly, through the network 105 , the provider 110 communicates with the parties 115 , 120 and 125 , and the parties 115 , 120 and 125 communicate with the provider 110 .

For clarity, FIG. 1 a depicts only one provider 110 . However, the system 100 may include a plurality of providers. Likewise, for clarity. FIG. 1 a depicts only three parties 115 , 120 and 125 . However, the system 100 may include a plurality of parties. In the discussion below, the party 115 is a representative one of the parties 115 , 120 and 125 .

Each of the provider 110 and the parties 115 , 120 and 125 includes a respective information handling system (IHS), a subsystem, or a part of a subsystem for executing processes and performing operations (e.g., processing or communicating information) in response thereto, as discussed further below. Each such IHS is formed by various electronic circuitry components. Moreover, as illustrated in FIG. 1 a , all such IHSs are coupled to each other. Accordingly, the provider 110 and the parties 115 , 120 and 125 operate within the network 105 .

An IHS is an electronic device capable of processing, executing or otherwise handling information. Examples of an IHS include a server computer, a personal computer (e.g., a desktop computer or a portable computer such as, for example, a laptop computer), or a handheld computer. Examples of an IHS also include a router, a switch and other devices coupled to a network (e.g., the network 105 ).

Referring now to FIG. 1 b , an IHS 130 which is representative of one of the IHSs described above, is illustrated. The IHS 130 may include any or all of the following: (a) a processor 130 a for executing and otherwise processing instructions, (b) a plurality of input devices 130 b , which are operably coupled to the processor 130 a , for inputting information, (c) a display device 130 c (e.g., a conventional electronic cathode ray tub (CRT) device or a conventional liquid crystal display (LCD)), which is operably coupled to the processor 130 a , for displaying information, (d) a print device 130 d (e.g. a conventional electronic printer or plotter), which is operably coupled to the processor 130 a , for printing visual images (e.g., textual or graphic information on paper), scanning visual images, and/or faxing visual images, (e) a computer-readable medium 130 e , which is operably coupled to the processor 130 a , for storing information, as discussed further below, and (f) various other electronic circuitry for performing other operations of the IHS 130 known in the art.

For example, the IHS 130 includes (a) a network interface (e.g., circuitry) for communicating between the processor 130 a and the network 105 and (b) a memory device (e.g., random access memory (RAM) device or read only memory (ROM) device for storing information (e.g., instructions executed by processor 130 a and data operated upon by processor 130 a in response to such instructions)). Accordingly the processor 130 a is operably coupled to the network 105 , the input devices 130 b , the display device 130 c , the print device 130 d , and the computer-readable medium 130 e , as illustrated in FIG. 1 b.

For example, in response to signals from the processor 130 a , the display device 130 c displays visual images. Information may be input to the processor 130 a from the input devices 130 b , and the processor 130 a may receive such information from the input devices 130 b . Also, in response to signals from the processor 130 a , the print device 130 d may print visual images on paper, scan visual images, and/or fax visual images.

The input devices include a variety of input devices known in the art such as, for example, a conventional electronic keyboard and a pointing device such as, for example, a conventional electronic “mouse”, rollerball, or light pen. The keyboard may be operated to input alphanumeric text information to the processor 130 a , and the processor 130 a may receive such alphanumeric text information from the keyboard. The pointing device may be operated to input cursor-control information to the processor 130 a , and the processor 130 a may receive such cursor control information from the pointing device.

The computer-readable medium 130 e and the processor 130 a are structurally and functionally interrelated with one another as described below in further detail. Each IHS of the illustrative embodiment is structurally and functionally interrelated with a respective computer-readable medium, similar to the manner in which the processor 130 a is structurally and functionally interrelated with the computer-readable medium 130 e . In that regard, the computer-readable medium 130 e is a representative one of such computer-readable media including, for example, but not limited to, a hard disk drive.

The computer-readable medium 130 e stores (e.g., encodes, records, or embodies) functional descriptive material (e.g., including but not limited to software (also referred to as computer programs or applications) or data structures). Such functional descriptive material imparts functionality when encoded on the computer-readable medium 130 e . Also, such functional descriptive material is structurally and functionally interrelated to the computer-readable medium 130 e.

With such functional descriptive material, data structures define structural and functional interrelationships between such data structures and the computer-readable medium 130 e (and other aspects of the system 100 ). Such interrelationships permit the data structures' functionality to be realized. Also, within such functional descriptive material, computer programs define structural and functional interrelationships between such computer programs and the computer-readable medium 130 e (and other aspects of the system 100 ). Such interrelationships permit the computer programs' functionality to be realized.

For example, the processor 130 a reads (e.g., accesses or copies) such functional descriptive material from the computer-readable medium 130 e onto the memory device of the IHS 130 , and the IHS 130 (more particularly, the processor 130 a ) performs its operations (as described elsewhere herein) in response to such material which is stored in the memory device of the IHS 130 . More particularly, the processor 130 a performs the operation of processing a computer application (that is stored, encoded, recorded, or embodied on a computer-readable medium) for causing the processor 130 a to perform additional operations (as described elsewhere herein). Accordingly, such functional descriptive material exhibits a functional interrelationship with the way in which processor 130 a executes its processes and performs its operations.

Further, the computer-readable medium 130 e is an apparatus from which the computer application is accessible by the processor 130 a , and the computer application is processable by the processor 130 a for causing the processor 130 a to perform such additional operations. In addition to reading such functional descriptive material from the computer-readable medium 130 e , the processor 130 a is capable of reading such functional descriptive material from (or through) the network 105 which is also a computer-readable medium (or apparatus). Moreover, the memory device of the IHS 130 is itself a computer-readable medium (or apparatus).

Referring now to FIGS. 1 a , 1 b and 1 c , the provider 110 is illustrated in more detail. A communication engine 110 a which may be, for example, software stored on the computer-readable medium 130 e in the IHS 130 , is included in the provider 110 and is operably coupled to the network 105 , described above with reference to FIG. 1 a , and to a party database 110 b . A translating engine 110 c which may be, for example, software stored on the computer-readable medium 130 e in the IHS 130 or a representative of the provider 110 , is included in the provider 110 and is operably coupled to the communication engine 110 a , the network 105 , described above with reference to FIG. 1 a , and a translating database 11 d . A routing engine 110 e which may be, for example, software stored on the computer-readable medium 130 e in the IHS 130 or a representative of the provider 110 , is included in the provider 110 and is operably coupled to the customer communication engine 110 a , the network 105 , described above with reference to FIG. 1 a , the translating engine 110 c , and a representative database 110 f . A metrics engine 110 g which may be, for example, software stored on the computer-readable medium 130 e in the IHS 130 or a representative of the provider 110 , is included in the provider 110 and is operably coupled to the customer communication engine 110 a , the network 105 , described above with reference to FIG. 1 a , and a metrics database 110 h . In an embodiment, the party database 110 b , the translating database 110 d , the representative database 110 f , and/or the metrics database 110 h are conventional databases known in the art. In an embodiment, the party database 110 b , the translating database 110 d , the representative database 110 f , and/or the metrics database 110 h may be located outside the provider 110 and still operably coupled to the provider 110 and the communication engine 110 a through, for example, the network 105 , described above with reference to FIG. 1 a . In an embodiment, the party database 110 b , the translating database 110 d , the representative database 110 f , and/or the metrics database 110 h include a plurality of databases. In an embodiment, the provider 110 is a membership organization and the party database 110 b includes a variety of previously collected information on members of the membership organization. In an embodiment, the party database 110 b , the translating database 110 d , the representative database 110 f , and/or the metrics database 110 h are publicly available databases. In an embodiment, the party database 110 b , the translating database 110 d , the representative database 110 f , and/or the metrics database 110 h are private databases which are available to be accessed by the provider 110 .

Referring now to FIGS. 1 a , 1 b , 1 c , 2 a and 2 b , a method 200 to provide a response to an inquiry is illustrated. The illustrated embodiment of the method 200 is described below as it may be applied to a website that transfers information over a network such as, for example, the network 105 , described above with reference to FIG. 1 a . However, the method 200 is not limited to websites and may be practiced using phone communication, fax communication, short message services or text messaging, face-to-face communication, and a variety of other communication techniques known in the art. Throughout the description of the method 200 , embodiments will be briefly described that utilize these forms of communication that are alternatives to the websites used in the illustrated embodiment. The method 200 begins at step 202 where the provider 110 communicates with a party such as, for example, the party 115 , described above with reference to FIG. 1 a . In the illustrated embodiment, the provider 110 provides a products and/or services website 202 a through the network 105 . The products and/or services website 202 a includes an insurance product and/or service 202 aa , a banking product and/or service 202 ab , an investment product and/or service 202 ac , and a financial advice product and/or service 202 ad . The insurance product and/or service 202 aa includes a plurality of links such as, for example, an auto insurance link 202 aaa , a home and property insurance link 202 aab , a business insurance link 202 aac , a life insurance link 202 aad , and an annuities insurance link 202 aae . The banking product and/or service 202 ab includes a plurality of links such as, for example, an checking link 202 aba , a savings link 202 abb , a credit cards link 202 abc , a loans link 202 abd , a Certificate of Deposits (CDs) link 202 abe , and a youth banking link 202 abf . The investment product and/or service 202 ac includes a plurality of links such as, for example, an mutual funds link 202 aca , a brokerage link 202 acb , a college savings link 202 acc , a personal asset management link 202 acd , an annuities link 202 ace , and a Individual Retirement Accounts (IRAs) link 202 acf . The financial advice product or service 202 ad includes a learn more link 202 ada . In an embodiment, the provider 110 provides a plurality products and/or services websites that are substantially similar to the products and/or services website 202 a but which each contain products and/or services relating to different business lines of the provider 110 . In an alternative embodiment, the provider 110 may provide information about products and/or services in a newspaper, on a billboard, in a television ad, or in a variety of other locations using a variety of other methods known in the art.

Referring now to FIGS. 1 a , 1 b , 1 c , 2 a , 2 b and 2 c , the method 200 then proceeds to step 204 where the party 115 desires more information. While viewing the products and/or service website 202 a in step 202 of the method 200 , the party 115 may desire more information on a first subject such as, for example, credit cards. The party 115 may then use the credit card link 202 abc under the banking products and/or services 202 ab to access a credit cards information website 204 a . Upon the selection of the credit card link 202 abc by the party 115 , the communication engine 110 a provides the party 115 with the credit cards website 204 a . The credit card website 204 a includes a plurality of information 204 aa about credit cards offered by the provider. The credit card website 204 a may also include an application section 204 ab having a join link 204 aba such that the party 115 may apply for a credit card 204 ac by selecting the join link 204 aba . The credit card website 204 a also includes a contact a representative link 204 ac.

Referring now to FIGS. 1 a , 1 b , 1 c , 2 a , 2 c and 2 d , the method 200 then proceeds to step 206 where the party 115 provides an inquiry. If the party 115 does not find the desired information on the first subject desired in step 204 of the method 200 , the party 115 may use the contact a representative link 204 ac to access a inquiry form website 206 a . Upon the selection of the contact a representative link 204 ac by the party 115 , the communication engine 110 a provides the party 115 with the inquiry form website 206 a . The inquiry form website 206 a includes a party identifying section 206 aa having a party identification field 206 aaa and a security field 206 aab . The inquiry form website 206 a also includes a inquiry classification section 206 ab having a plurality of inquiry classifier fields 206 aba , 206 abb and 206 abc . The inquiry form website 206 a also includes a inquiry narrative section 206 ac and a submit link 206 ad . In an embodiment, the provider 110 may be a membership organization, the party 115 may be a member of the membership organization, and the party 115 may provide a party identifier in the party identification field 206 aaa such as, for example, a member number provided by provider 110 , and a security password in the security field 206 aab such as, for example, any combination of characters that the provider 110 has associated with the party 115 and provided to the party 115 . In an alternative embodiment, the party 115 may not be a member of the membership organization, and the party identification field 206 aaa and the security field 206 aab in the party identifying section 206 aa may be left blank. The party 115 then provides an inquiry classifier in each of the inquiry classifier fields 206 aba , 206 abb and 206 abc of the inquiry classification section 206 ab . In an embodiment, each of the plurality of inquiry classifier fields 206 aba , 206 abb and 206 abc are drop-down menus. In an embodiment, a first inquiry classifier may be selected from the drop down menu in the inquiry classifier field 206 aba and the selection of that first inquiry classifier dictates the availability of choices for a second inquiry classifier in the drop down menu in the inquiry classifier field 206 abb , and the selection of the second inquiry classifier in the drop down menu in the inquiry classifier field 206 abc dictates the availability of choices for a third inquiry classifier in the drop down menu in the inquiry classifier field 206 abc . The party 115 also provides a brief description or narrative of the inquiry in the Inquiry narrative section 206 ac . The party 115 may then select the submit link 206 ad to provide the inquiry to the provider 110 . In an embodiment, a plurality of parties such as, for example, the parties 115 , 120 and 125 may provide a plurality of inquiries to the provider 110 regarding a plurality of different subjects in substantially the same manner as described above. In an embodiment, the inquiry may be for the first subject and a second subject relating to any of the products and/or services offered by the provider 110 in the plurality of business lines of the provider 110 . In an alternative embodiment, the party 115 may see the product and/or service information, for example, in a newspaper, on a billboard, in a television ad, or in a variety of other locations using a variety of other methods known in the art, and may access the inquiry form using a variety of different methods such as, for example, calling a phone number or sending a text message. In the case of calling a phone number to access the inquiry form, the party 115 may be connected to a representative through phone communication and the representative may prompt the party 115 for the inquiry classifiers and/or the party status information. In the case of sending a text message to access the inquiry form, the party 115 may use a short message service (SMS) to provide the inquiry classifiers and/or the party status information to the representative of the provider 110 .

Referring now to FIGS. 1 a , 1 b , 1 c , 2 a and 2 d , the method 200 then proceeds to step 208 where the inquiry is translated. The communication engine 110 a takes the party identifier provided in the party identification field 206 aaa and the security password provided in the security field 206 aab , and accesses the party database 110 b to retrieve a party status of the party 115 . In an embodiment, the party database 110 b includes previously collected information on the party 115 and the party status may be, for example, military rank, employment status, job title, or a variety of other party status known in the art and listed below with reference to the charts describing step 208 of the method 200 . In an embodiment, the party status includes any attribute of the party 115 that is used to classify the inquiry from the party 115 . The translating engine 110 c then accesses the translating database 110 d and may use the party status and the inquiry classifiers provided in the inquiry classifier fields 206 aba , 206 abb and 206 abc to translate the inquiry into a skill set. In an embodiment, the translating engine 110 c may use information from the communication engine 110 a such as, for example, the content of the website that the party 115 was on before the party 115 accessed the inquiry form website 206 a . In an embodiment, the translating engine 110 c may include an artificial intelligence engine that is operable to access the narrative provided in the inquiry narrative section 206 ac on the inquiry form website 206 a and determine a first or second subject that the party 115 desires information on. In an embodiment, different combinations of the first inquiry classifier 208 a , second inquiry classifier 208 b , third inquiry classifier 208 c , and party status 208 d translate into a skill set 208 e . For example, the chart below illustrates a plurality of possibilities available for a first inquiry classifier 208 a of “Banking”, including the available second inquiry classifiers 208 b when “Banking” is selected as the first inquiry classifier and the available third inquiry classifiers for the selected second inquiry classifiers. Furthermore, the chart below illustrates that the party status 208 d may or may not help determine the skill set 208 e :

1 st Inquiry 2 nd Inquiry 3 rd Inquiry Party Classifier Classifier Classifier Status Skill Set 208a 208b 208c 208d 208e Banking ANY ANY Bank Bank Executive Complaint Executive Complaint Banking ANY ANY Employee Employee Submitted Bank Inquiries Banking ANY ANY Select Bank Select Banking Auto, Automatic Payment Bank Automatic Payment Recreational, Update Update and Personal Loans Banking Auto, Negotiation Bank Negotiation Services Recreational, Services and Personal Loans Banking Auto, Other Bank, Auto, Recreational, Recreational, and Personal Loans Other and Personal Loans Banking Auto, Payment Bank Payment Information Recreational, Information and Personal Loans Banking Auto, Payoff Quote/ Loan Bank Payoff Quote/ Loan Recreational, Balance Balance and Personal Loans Banking Auto, Status of Bank Status of Application Recreational, Application and Personal Loans Banking CDs/IRAs Account Activity Bank CDs/IRAsAccount Activity Banking CDs/IRAs Interest Bank CDs/IRAsInterest Banking CDs/IRAs Renewal Bank CDs/IRAsRenewal Banking CDs/IRAs Rollover Bank CDs/IRAsRollover Banking Checking & ATM/Debit Card Bank ATM/Debit Card Savings Banking Checking & Account Bank Account Savings Activity/History Activity/History Banking Checking & Check Orders/ Bank Check Orders/ Savings Deposit Slips Deposit Slips Banking Checking & Funds Transfer Bank Funds Transfer Savings Banking Checking & Other Bank Checking & Savings Savings Other Banking Checking & Signature Cards Bank Signature Cards Savings Banking Checking & Statements Bank Statements Savings Banking Credit Cards Add Cardholder Bank Add Cardholder Banking Credit Cards Annual Percentage Bank Annual Percentage Rate (APR) Rate (APR) Banking Credit Cards Balance Inquiry Bank Balance Inquiry Banking Credit Cards CC Disputes Bank CC Disputes Banking Credit Cards CC/Debit Fraud Bank CC/Debit Fraud Banking Credit Cards Credit Limit Inquiry Bank Credit Limit Inquiry Banking Credit Cards Debit Card Bank Debit Card Disputes Disputes Bankins Credit Cards Other Bank Credit Cards Other Banking Credit Cards Payment Inquiry Bank Payment inquiry Banking Home Equity About Home Equity Bank About Home Equity Loans Loans Loans Banking Home Equity Convenience Bank Convenience Check Loans Check Request Request Banking Home Equity Increase Credit Bank Increase Credit Limit Loans Limit Banking Home Equity Other Bank Home Equity Loans Loans Other Banking Home Equity Status of Bank Status of Application Loans Application Banking Mortgages/ Mortgage Bank Mortgages Movers Advantage Banking Mortgages/ Movers Advantage Bank Movers Advantage Movers Advantage Banking Mortgages/ Other Bank Mortgages/ Movers Movers Advantage Other Advantage Banking Other N/A Bank Other Banking Web Bill Pay Non Payment Bank Web BillPay non- Inquiry Payment Inquiry Banking Web Bill Pay Other Bank Web BillPay Other Banking Web Bill Pay Payment Inquiry Bank Web BillPay Payment Inquiry

For example, the chart below illustrates a plurality of possibilities available for a first inquiry classifier 208 a of “Enterprise”. The chart below illustrates that the party status 208 d is the only factor to determine the skill set 208 e for a first inquiry classifier 208 a of “Enterprise”:

1 st Inquiry 2 nd Inquiry 3 rd Inquiry Classifier Classifier Classifier Party Status Skill Set 208a 208b 208c 208d 208e Enterprise ANY ANY Enterprise Enterprise Executive Executive Complaint Complaint Enterprise ANY ANY Enterprise Enterprise Select Select

For example, the chart below illustrates a plurality of possibilities available for a first inquiry classifier 208 a of “Financial Guidance” including the available second inquiry classifiers 208 b when “Financial Guidance” is selected as the first inquiry classifier and the available third inquiry classifiers for the selected second inquiry classifiers. Furthermore, the chart below illustrates that the party status 208 d may not help determine the skill set 208 e :

1 st Inquiry 2 nd Inquiry 3 rd Inquiry Classifier Classifier Classifier Party Status Skill Set 208a 208b 208c 208d 208e Financial Buying A Car Get an Auto Financial Guidance Buying Guidance Loan A CarGet an Auto Loan Financial Buying A Car Negotiate Financial Guidance Buying Guidance Vehicle Price A Car Negotiate Vehicle Price Financial Buying A Car Request an Auto Financial Guidance Buying Guidance Insurance Quote A CarRequest an Auto Insurance Quote Financial Change In Getting Financial Guidance Guidance Marital Status Divorced Change In Marital Status Financial Change In Getting Married Financial Guidance Guidance Marital Status Change In Marital Status Financial Changing Jobs Military Financial Guidance Guidance Retirement Changing Jobs Financial Changing Jobs Review Your Financial Guidance Guidance Cash Flow Changing Jobs and Budget Financial Changing Jobs Review Your Financial Guidance Guidance Life Insurance Review Your Life Insurance Financial Changing Jobs Review Your Financial Guidance Guidance Retirement Changing Jobs Needs Financial Deployment Review Your Financial Guidance Guidance Finances Deployment Review Your Finances Financial Deployment Review Your Financial Guidance Guidance Life Insurance Review Your Life Insurance Financial Deployment Update Your Financial Guidance Guidance Auto Insurance Deployment Update Your Auto Insurance Financial Free Financial N/A Financial Guidance Free Guidance Advice Financial Advice Financial Having a Baby Questions about Financial Guidance Guidance and Parenting College Savings Questions about College Plans Savings Plans Financial Having a Baby Review Your Financial Guidance Guidance and Parenting Life Insurance Review Your Life Insurance Financial Moving Buy or Sell Financial Guidance Moving Guidance Your Home Buy or Sell Your Home Financial Moving Get a Home Financial Guidance Moving Guidance Insurance Quote Get a Home Insurance Quote Financial Moving Get a Home Financial Guidance Moving Guidance Loan Get a Home Loan Financial Moving Get a Real Financial Guidance Moving Guidance Estate Agent Get a Real Estate Agent Financial Other Financial Other Financial Guidance Other Guidance Advice Financial Advice Financial Personalized Already Financial Guidance Guidance Financial Plans Enrolled Personalized Financial Plans Already Enrolled Financial Personalized Looking For Financial Guidance Guidance Financial Plans Information Personalized Financial Plans Looking For Information Financial Retirement Already Saving Financial Guidance Guidance Retirement Already Saving Financial Retirement Considering Financial Guidance Guidance Long Term Care Retirement Considering Insurance Long Term Care Insurance Financial Retirement Just Starting Financial Guidance Guidance Out Retirement Just Starting Out Financial Retirement Military Financial Guidance Guidance Retirement Retirement Military Retirement Financial Retirement Retired Financial Guidance Guidance Retirement Retired Financial Survivorship Receiving an Financial Guidance Guidance Inheritance Survivorship Financial Survivorship Review Life Financial Guidance Guidance Insurance Survivorship

For example, the chart below illustrates a plurality of possibilities available for a first inquiry classifier 208 a of “Investments” including the available second inquiry classifiers 208 b when “Investments” is selected as the first inquiry classifier and the available third inquiry classifiers for the selected second inquiry classifiers. Furthermore, the chart below illustrates that the party status 208 d may or may not help determine the skill set 208 e :

1 st Inquiry 2 nd Inquiry 3 rd Inquiry Party Classifier Classifier Classifier Status Skill Set 208a 208b 208c 208d 208e Investments ANY ANY Employee Employee Submitted IMCO Inquiries Investments ANY ANY IMCO IMCO Executive Executive Complaint Complaint Investments ANY ANY Select IMCO Select Investments Annuities Cancellation LifeCo Annuities Cancellation Investments Annuities Information about a LifeCo Annuities New Contract Information about a New Contract Investments Annuities Other LifeCo Annuities Other Investments Annuities Service to your LifeCo Annuities Service Existing Contract to your Existing Contract Investments Brokerage Existing Account IMCO Brokerage Services Services Questions/Servicing Existing Account Questions/Servicing Investments Brokerage Non-USAA Mutual IMCO Brokerage Services Services Funds Non-USAA Mutual Funds Investments Brokerage Open an IMCO Brokerage Services Services Account/Request Open an Information Account/Request Information Investments Brokerage Other IMCO Brokerage Services Services Other Investments Brokerage Scheduled Transfers IMCO Brokerage Services Services Scheduled Transfers Investments Brokerage Stock/Trading IMCO Brokerage Services Services Questions Stock/Trading Questions Investments Brokerage Transfer Funds IMCO Brokerage Services Services Transfer Funds Investments Brokerage Web Site IMCO Brokerage Services Services Questions/Comments Web Site Questions/Comments Investments College Savings Existing Account IMCO College Savings Questions/Servicing Existing Account Questions/Servicing Investments College Savings Incoming Transfer IMCO College Savings Incoming Transfer Investments College Savings Open an IMCO College Savings Account/Request Open an Information Account/Request Information Investments College Savings Other IMCO College Savings Other Investments College Savings Questions About IMCO College Savings College Savings Questions About College Plans Savings Plans Investments College Savings Sell IMCO College Savings Shares/Outbound Sell Shares/Outbound Transfer Transfer Investments College Savings Web Site IMCO College Savings Questions/Comments Web Site Questions/Comments Investments IRAs Convert to Roth IRA IMCO IRAs Convert to Roth IRA Investments IRAs Existing Account IMCO IRAs Existing Questions/Servicing Account Questions/Servicing Investments IRAs Incoming IMCO IRAs Incoming Transfer/Rollover Transfer/Rollover Investments IRAs Open an Account IMCO IRAs Open an Account Investments IRAs Other IMCO IRAs Other Investments IRAs Questions About IMCO IRAs Questions IRAs About IRAs Investments IRAs Web Site IMCO IRAs Web Site Questions/Comments Questions/Comments Investments IRAs Withdrawal IMCO IRAs Withdrawal Funds/Outbound Funds/Outbound Transfers Transfers Investments Mutual Funds Automatic IMCO Mutual Funds Contributions Automatic Contributions Investments Mutual Funds Existing Account IMCO Mutual Funds Questions/Servicing Existing Account Questions/Servicing Investments Mutual Funds Mutual Fund IMCO Mutual Funds Questions/Comments Mutual Fund Questions/Comments Investments Mutual Funds Open an IMCO Mutual Funds Account/Request Open an Information Account/Request Information Investments Mutual Funds Other IMCO Mutual Funds Other Investments Mutual Funds Transfer Funds IMCO Mutual Funds Transfer Funds Investments Mutual Funds Web Site IMCO Mutual Funds Web Questions/Comments Site Questions/Comments Investments Other N/A IMCO Investments Other Investments Personalized Other IMCO Personalized Asset Asset Management Other Management Investments Personalized Questions For Your IMCO Personalized Asset Asset Representative Management Questions Management For Your Representative Investments Personalized Request Product IMCO Personalized Asset Asset Information Management Request Management Product Information

For example, the chart below illustrates a plurality of possibilities available for a first inquiry classifier 208 a of “Other” including the available second inquiry classifiers 208 b when “Other” is selected as the first inquiry classifier. Furthermore, the chart below illustrates that the third inquiry classifier 208 c and the party status 208 d may not help determine the skill set 208 e :

1 st Inquiry 2 nd Inquiry 3 rd Inquiry Party Classifier Classifier Classifier Status Skill Set 208a 208b 208c 208d 208e Other General N/A Enterprise General Feedback Feedback Other Other N/A Enterprise Other Other Update Personal N/A Enterprise Update Information Personal Information (example: Address change Other usaa.com N/A Enterprise usaa.com Website Website Technical Technical Support Support

For example, the chart below illustrates a plurality of possibilities available for a first inquiry classifier 208 a of “Shopping and Discounts” including the available second inquiry classifiers 208 b when “Shopping and Discounts” is selected as the first inquiry classifier and the available third inquiry classifiers for the selected second inquiry classifiers. Furthermore, the chart below illustrates that the party status 208 d may not help determine the skill set 208 e :

1 st Inquiry 2 nd Inquiry 3 rd Inquiry Classifier Classifier Classifier Party Status Skill Set 208a 208b 208c 208d 208e Shopping Discount ADT Home Security ASC Discount Services & Services & Companion Svcs ADT Home Security & Discounts Companion Svcs Shopping Discount AHS American ASC Discount Services & Services Home Shield AHS American Home Discounts Warranty Shield Warranty Shopping Discount Car Rentals ASC Discount Services & Services Car Rentals Avis Discounts Shopping Discount Car Rentals Budget ASC Discount Services & Services Car Rentals Buggt Discounts Shopping Discount Car Rentals Hertz ASC Discount Services & Services Car Rentals Hertz Discounts Shopping Discount FedEx Express and ASC Discount Services & Services Ground Delivery FedEx Express and Discounts Svc Ground Delivery Svc Shopping Discount Other ASC Discount Services & Services Other Discounts Shopping Online Get Order Stratus ASC Online Shopping/ & Shopping/USAA Catalog Orders Get Order Discounts Catalog Orders Status Shopping Online Jewelry Appraisals ASC Online Shopping/ & Shopping/USAA Catalog Orders Jewelry Discounts Catalog Orders Appraisals Shopping Online Order Flowers- ASC Online Shopping/ & Shopping/USAA Teleflora Catalog Orders Order Discounts Catalog Orders Flowers- Teleflora Shopping Online Other ASC Online Shopping/ & Shopping/USAA Catalog Orders Other Discounts Catalog Orders Shopping Online Request Product ASC Online Shopping/ & Shopping/USAA Information Catalog Orders Request Discounts Catalog Orders Product Information Shopping Online Returns and ASC Online Shopping/ & Shopping/USAA Exchanges Catalog Orders Returns Discounts Catalog Orders and Exchanges Shopping Other Other ASC Shopping & & Discounts Other Discounts Shopping Travel Services Car Rentals ASC Travel Services Car & Rentals Avis Discounts Shopping Travel Services Car Rentals Budget ASC Travel Services Car & Rentals Budget Discounts Shopping Travel Services Car Rentals Hertz ASC Travel Services Car & Rentals Hertz Discounts Shopping Travel Services Cruise Travel and ASC Travel Services & Land Tours Cruise Travel and Land Discounts Tours Shopping Travel Services Get Travel ASC Travel Services Get & Insurance Travel insurance Discounts Shopping Travel Services Other ASC Travel Services Other & Discounts

In an embodiment, different combination of the first inquiry classifier 208 a , second inquiry classifier 208 b , third inquiry classifier 208 c , and party status 208 d translate into a first translated level 208 f , a second translated level 208 g , and a skill set 208 h . For example, the chart below illustrates a plurality of possibilities available for a first inquiry classifier 208 a of “Insurance” including the available second inquiry classifiers 208 b when “Insurance” is selected as the first inquiry classifier and the available third inquiry classifiers for the selected second inquiry classifiers. Furthermore, the chart below illustrates that the party status 208 d may or may not help determine the a first translated level 208 f , the second translated level 208 g , and the skill set 208 h :

Referring now to FIGS. 1 a , 1 b , 1 c , 2 a , 2 d and 2 e , the method 200 then proceeds to step 210 where a representative is assigned to the inquiry from the party 115 . In an embodiment, the provider 110 may include an inquiry response center having a plurality of representatives. In an embodiment, the inquiry response center may be an IHS network such as, for example, the network 105 , with each of the representatives connected to the IHS network via an IHS such as, for example, the IHS 130 . A representative supervisor may have access to a representative skill set website 210 a , illustrated in FIG. 2 e . The representative skill set website 210 a includes a representative name section 210 aa , a representative unit number section 210 ab , a representative identification section 210 ac , a skill sets section 210 ad , a primary skill set selector 210 ae , a secondary skill set selector 210 af , and a reviewer selector 210 ag . The skill sets section 210 ad includes a plurality of skill set selectors that are organized under sections such as, for example, a banking section 210 ada having a plurality of subsections such as, for example, a credit cards subsection 210 adaa , a CDs/IRAs subsection 210 adab , an auto, recreational, and personal loans subsection 210 adac , and a mortgages/movers advantage subsection 210 adad . A representative skill set website 210 a may be generated and modified for every representative that is connected to the inquiry response center. The representative name section 210 aa includes the name of the representative that the representative skill set website 210 a has been generated for, the representative unit number section 210 ab includes the number of a subsection of the inquiry response center that the representative belongs to, and the representative identification section 210 ac includes an identification number assigned to the representative that the representative skill set website 210 a has been generated for. The skills sets section 210 ad includes selectors for every possible skill set a representative may have such as, for example, the skills sets 208 e and 208 h listed in the charts above, and the representative supervisor may select any of the selectors under, for example, the credit cards subsection 210 adaa , the CDs/IRAs subsection 210 adab , the auto, recreational, and personal loans subsection 210 adac , and the mortgages/movers advantage subsection 210 adad that correspond to knowledge possessed by the representative that the representative skill set website 210 a has been generated for. Furthermore, the representative supervisor may use the primary skill set selector 210 ae and the secondary skill set selector 210 af for each skill set selected to indicate the degree of knowledge of the skill set that is possessed by the representative. The representative supervisor may also select a reviewer selector 210 ag to indicate who may or must review responses created by the representative (described in further detail below.) With the skill set translated in step 208 of the method 200 , the routing engine 110 e accesses the representative database 110 f and determines the representatives that have that skill set to provide a response to the inquiry. The routing engine 110 e will then determine which of those representatives are available to provide a response to the inquiry (described in further detail below), and will forward the inquiry to a primary representative. In an embodiment, the routing engine 110 e searches for inquiries that match the representatives skill sets as determined using the primary skill set selector 210 ae in the skill set section 210 ad and provides those inquiries to the primary representative. If the routing engine 110 e does not find inquiries that match the representatives skill sets as determined using the primary skill set selector 210 ae in the skill set section 210 ad , the routing engine 110 e searches for inquiries that match the representatives skill sets as determined using the secondary skill set selector 210 af in the skill set section 210 ad and provides those inquiries to the primary representative. In an embodiment, the skill set for a representative as determined using the primary skill set selector 210 ae and the secondary skill set selector 210 af may be modified depending on incoming inquiry volume such that the provider 110 may manage the inquiry response center more efficiently. In addition, the routing engine 110 e may determine which representatives in the inquiry response center have not been assigned to an inquiry for the longest amount of time and may assign the inquiry to those representatives. In an embodiment, the representative supervisor may manually assign or re-assign an inquiry to a representative. In an embodiment, the primary representative is the first representative to receive the inquiry from the part 115 . In an embodiment the representative supervisor may view all of the inquiries in the inquiry response center by assigned skill set and representative in order to determine, for example, what skill sets are being used to respond to inquiries at any given time.

Referring now to FIGS. 1 a , 1 b , 1 c , 2 a and 2 f , the method 200 then proceeds to step 212 where the representative composes a response. In an embodiment, the primary representative may be connected to an IHS network such as, for example, the network 105 , via an IHS such as, for example, the IHS 130 . In an embodiment, the primary representative has access to a representative worklist website 212 a . Illustrated in FIG. 2 f . The representative worklist website 212 a includes a status section 212 aa where the primary representative may set their status using a plurality of selectors such as, for example, a available selector 212 aaa , an unavailable selector 212 aab , an away selector 212 aac , and an offline selector 212 aad . The representative worklist website 212 a also includes a folders section 212 ab where the primary representative may access current inquiries through a worklist link 212 aba and pending inquiries through a pending link 212 abb . The representative worklist website 212 a also includes a search section 212 ac where the primary representative may search for inquiries by providing information in one or more of a customer/party number field 212 aca , representative identification field 212 acb , and a plurality of date fields 212 acc and 212 acd . The representative worklist website 212 a also includes a worklist section 212 ad where the primary representative may manage inquiries that the primary representative is currently working on and that includes a from field 212 ada , a customer/party number field 212 adb , a subject field 212 adc , a received field 212 add , a due by field 212 ade , and a compose new message link 212 adf . In an embodiment, when the primary representative has the available selector 212 aaa in the status section 212 aa selected, the primary representative may receive the inquiry from the party 115 if the skill set translated in step 208 of the method 200 corresponds to a skill set assigned to the primary representative, described above with reference to FIG. 2 e . The worklist section 212 ad will then populate with an inquiry entry including the name of the party 115 in the from field 212 ada , an identification number that was either previously assigned or assigned during step 206 of the method 200 in the customer/party number field 212 adb , an inquiry subject that may be the translated skill set from step 208 of the method 200 in the subject field 212 adc , a date the inquiry was submitted in the received field 212 add , and a date and time that the inquiry must be responded to in the due by field 212 ade . In an embodiment, the date and time in the due by field 212 ade is 24 hours after the inquiry was received by the provider 115 . The primary representative may then select the inquiry entry to view the narrative provided by the part 115 in step 206 of the method 200 . The primary representative will then use their knowledge in their assigned skill set to compose a primary response to the inquiry by, for example, replying to the inquiry directly or using the compose new message link 212 adf to compose a message to a party that has provided their inquiry by, for example, using a phone communication, a fax communication, a face-to-face communication, or a variety of other communication methods known in the art. In an embodiment, the worklist may automatically populate with a new inquiry from, for example, the party 120 or 125 , when the response to the inquiry is sent to the party 115 . In an embodiment, the worklist may populate with a predetermined number of inquiries and, as those inquiries are responded to, may populate the worklist section 212 ad with new inquiries such that the predetermined number of inquiries is provided to the primary representative.

Furthermore, the metrics engine 110 g is connected to the representative worklist website 212 a and is operable to record and analyze the inquiries moving through the inquiry response center. For example, all inquiries provided to all of the representatives in the inquiry response center and the time used to provide a response for individual representatives are recorded in the metrics database. Such information may be analyzed to determine, for example, average response times for inquiries, inquiries processed per day or hour, and a variety of other types of information that can help in determining, for example, the productivity of individual representatives and what days of the week and what times of the day experience the most inquiries.

Referring now to FIGS. 1 a , 1 b , 1 c and 2 a , the method 200 then proceeds to decision block 214 where it is determined whether a supplementary response is needed. If it is determined that no supplementary response is needed, the primary response becomes an inquiry response and the method 200 proceeds to step 222 . However, during step 212 of the method 200 , the primary representative may determine that the inquiry includes a request for information on a second subject that the primary representative does not have a proper skill set to provide. In an alternative embodiment, during step 208 of the method 200 , it may be determined that the inquiry included requests for information on multiple subjects requiring multiple representatives with different skill sets to provide an inquiry response. If it is determined that a supplementary response is needed, the method proceeds to step 216 where the inquiry is forwarded to a supplementary representative. In an embodiment, the supplementary representative is substantially similar to the primary representative and is connected to an IHS network such as, for example, the network 105 , via an IHS such as, for example, the IHS 130 , with the provision that the supplementary representative has been assigned a different skill set or sets than the primary representative using the representative skill set website 210 a . In an embodiment, the primary representative has access to a representative worklist website that is substantially similar in design and operation to the representative worklist website 212 a , illustrated in FIG. 2 f . The method 200 then proceeds to step 218 where the supplementary representative uses their knowledge in their assigned skill set to compose a supplementary response to the inquiry. The method 200 then proceeds to step 220 where the primary response composed by the primary representative in step 212 of the method 200 and the supplementary response composed by the supplementary representative in step 218 of the method 200 are combined into an inquiry response.

Following step 220 of the method 200 , or if at decision block 214 of the method 200 it is determined that no supplementary response is needed, the method 200 proceeds to step 222 where the inquiry response is reviewed. In an embodiment, the inquiry response may be reviewed for the primary representation and/or the supplementary representative based on the information provided by the representative supervisor in the reviewer selector 210 ag on the representative skill set website 210 a , described above with reference to FIG. 2 e . In an alternative embodiment, the review is mandatory due to of the subject matter of the response such as, for example, a response to a financial inquiry or an investments inquiry. In an embodiment, the review may be for quality control of inquiry responses and a predetermined percentage of the inquiry responses from representatives in the inquiry response center may be reviewed. In an embodiment, the reviewer will correct any errors in the response or confirm that the response is correct. The method 200 then proceeds to step 224 where the response is sent to the party 115 . The routing engine 110 e may associate the response with all parties involved with the response such as, for example, the primary representative, the supplementary representative, and/or the reviewer, and store that association in the representative database 110 f . The inquiry response is then provided to the communication engine, which sends the inquiry response to the party 115 . The association of the inquiry response with the parties involved in the response allows the party 115 to respond to the inquiry response and to have that response routed to the primary representative, the supplementary representative, and/or the reviewer. In an embodiment, the provider 110 is a membership organization and the party 115 is a member of the membership organization and additional security is provided by sending the response to the member through a website of the membership organization rather than, for example, Simple Mail Transfer Protocol (SMTP). In an embodiment, the response may be read by a representative to the party 115 using a phone communication, sent to the party using a SMS or text message, using a fax communication, using an email communication, or using a variety of other communication tools known in the art. Thus, a system and method are provided that provide a common inquiry response tool for a provider across multiple lines of business that ensures that representatives of the provider receive only those types of inquiries that they have the skill set to respond to.

Although illustrative embodiments have been shown and described, a wide range of modification, change and substitution is contemplated in the foregoing disclosure and in some instances, some features of the embodiments may be employed without a corresponding use of other features. Accordingly, it is appropriate that the appended claims be construed broadly and in a manner consistent with the scope of the embodiments disclosed herein.