Michael J Rowell

US Patent:

8340985, Dec 25, 2012

Filed:

Mar 14, 2011

Appl. No.:

13/047446

Inventors:

Michael Rowell - Issaquah WA, US

Assignee:

Efinancial, LLC - Bellevue WA

International Classification:

G06Q 40/00

US Classification:

705 4, 705 2, 705 3, 705 7, 707 9

Abstract:

A method comprises analyzing the psychology of a typical consumer and defining first key stages wherein customers drop out and second key stages wherein sales could be maximized.

US Patent:

20110258067, Oct 20, 2011

Filed:

Apr 14, 2011

Appl. No.:

13/086999

Inventors:

Michael Rowell - Medina WA, US

International Classification:

G06Q 30/00

US Classification:

705 262

Abstract:

A system and methods to enable a plurality of vendors of information to sell that information to a plurality of consumers of information are disclosed. The information may include sales leads, such as sales leads for potential sales of insurance products. The disclosed system may enable a plurality of users to provide standing orders for information, including defining a plurality of parameters or filters. The system applies these parameters to information offered for sale by the vendors, and automatically delivers information that satisfies the parameters. The system may enable the user to define when to purchase information, such that information offered for sale during a time the user cannot use it is not purchased. The disclosed system may therefore provide an online marketplace that enables a plurality of different users to purchase information sold by a plurality of different vendors in an easy and consistent way.

US Patent:

20130117051, May 9, 2013

Filed:

Dec 21, 2012

Appl. No.:

13/724141

Inventors:

Michael Rowell - Issaquah WA, US

International Classification:

G06Q 40/08

US Classification:

705 4

Abstract:

A method comprises analyzing the psychology of a typical consumer and defining first key stages wherein customers drop out and second key stages wherein sales could be maximized.

US Patent:

7949549, May 24, 2011

Filed:

Jul 10, 2008

Appl. No.:

12/171276

Inventors:

Michael Rowell - Issaquah WA, US

International Classification:

G06Q 40/00

US Classification:

705 4, 705 2, 705 3, 705 7, 707 9

Abstract:

A method comprises analyzing the psychology of a typical consumer and defining first key stages wherein customers drop out and second key stages wherein sales could be maximized.

US Patent:

20140207494, Jul 24, 2014

Filed:

Jan 17, 2014

Appl. No.:

14/158340

Inventors:

- Oakbrook IL, US
Michael Rowell - Medina WA, US

Assignee:

Fidelity Life Association - Oakbrook IL

International Classification:

G06Q 40/08
G06Q 30/06

US Classification:

705 4

Abstract:

A system and methods to enable a consumer or agent to purchase intangible products, such as life insurance, are disclosed. The system is a workflow implementation system that processes a consumer through the purchase process, updating the consumer at various points with options of intangible products available for purchase. In various embodiments, the system presents cross-sell opportunities in the form of other intangible products that the customer has not specifically indicated an interested in purchasing, but that the consumer qualifies or potentially qualifies for that the system has determined may be of interest.