System and method to provide a response to an inquiry

Description

CROSS REFERENCE TO RELATED APPLICATIONS

This application is a continuation of U.S. patent application Ser. No. 14/154,985, filed Jan. 14, 2014, now U.S. Pat. No. 9,036,810, which 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. The disclosure of each application is incorporated herein by reference in its entirety and made a part hereof.

FIELD OF THE DISCLOSURE

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.

BACKGROUND

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.

SUMMARY

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.

BRIEF DESCRIPTION OF THE DRAWINGS

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

FIG. 1b 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. 1a.

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

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

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

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

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

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

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

DETAILED DESCRIPTION

Referring now to FIG. 1a, 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. 1a depicts only one provider 110. However, the system 100 may include a plurality of providers. Likewise, for clarity, FIG. 1a 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. 1a, 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. 1b, 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 130a for executing and otherwise processing instructions, (b) a plurality of input devices 130b, which are operably coupled to the processor 130a, for inputting information, (c) a display device 130c (e.g., a conventional electronic cathode ray tub (CRT) device or a conventional liquid crystal display (LCD)), which is operably coupled to the processor 130a, for displaying information, (d) a print device 130d (e.g. a conventional electronic printer or plotter), which is operably coupled to the processor 130a, 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 130e, which is operably coupled to the processor 130a, 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 130a 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 130a and data operated upon by processor 130a in response to such instructions)). Accordingly the processor 130a is operably coupled to the network 105, the input devices 130b, the display device 130c, the print device 130d, and the computer-readable medium 130e, as illustrated in FIG. 1b.

For example, in response to signals from the processor 130a, the display device 130c displays visual images. Information may be input to the processor 130a from the input devices 130b, and the processor 130a may receive such information from the input devices 130b. Also, in response to signals from the processor 130a, the print device 130d 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 130a, and the processor 130a may receive such alphanumeric text information from the keyboard. The pointing device may be operated to input cursor-control information to the processor 130a, and the processor 130a may receive such cursor control information from the pointing device.

The computer-readable medium 130e and the processor 130a 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 130a is structurally and functionally interrelated with the computer-readable medium 130e. In that regard, the computer-readable medium 130e is a representative one of such computer-readable media including, for example, but not limited to, a hard disk drive.

The computer-readable medium 130e 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 130e. Also, such functional descriptive material is structurally and functionally interrelated to the computer-readable medium 130e.

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

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

Further, the computer-readable medium 130e is an apparatus from which the computer application is accessible by the processor 130a, and the computer application is processable by the processor 130a for causing the processor 130a to perform such additional operations. In addition to reading such functional descriptive material from the computer-readable medium 130e, the processor 130a 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. 1a, 1b and 1c, the provider 110 is illustrated in more detail. A communication engine 110a which may be, for example, software stored on the computer-readable medium 130e in the IHS 130, is included in the provider 110 and is operably coupled to the network 105, described above with reference to FIG. 1a, and to a party database 110b. A translating engine 110c which may be, for example, software stored on the computer-readable medium 130e 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 110a, the network 105, described above with reference to FIG. 1a, and a translating database 110d. A routing engine 110e which may be, for example, software stored on the computer-readable medium 130e 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 110a, the network 105, described above with reference to FIG. 1a, the translating engine 110c, and a representative database 110f. A metrics engine 110g which may be, for example, software stored on the computer-readable medium 130e 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 110a, the network 105, described above with reference to FIG. 1a, and a metrics database 110h. In an embodiment, the party database 110b, the translating database 110d, the representative database 110f, and/or the metrics database 110h are conventional databases known in the art. In an embodiment, the party database 110b, the translating database 110d, the representative database 110f, and/or the metrics database 110h may be located outside the provider 110 and still operably coupled to the provider 110 and the communication engine 110a through, for example, the network 105, described above with reference to FIG. 1a. In an embodiment, the party database 110b, the translating database 110d, the representative database 110f, and/or the metrics database 110h include a plurality of databases. In an embodiment, the provider 110 is a membership organization and the party database 110b includes a variety of previously collected information on members of the membership organization. In an embodiment, the party database 110b, the translating database 110d, the representative database 110f, and/or the metrics database 110h are publicly available databases. In an embodiment, the party database 110b, the translating database 110d, the representative database 110f, and/or the metrics database 110h are private databases which are available to be accessed by the provider 110.

Referring now to FIGS. 1a, 1b, 1c, 2a and 2b, 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. 1a. 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. 1a. In the illustrated embodiment, the provider 110 provides a products and/or services website 202a through the network 105. The products and/or services website 202a includes an insurance product and/or service 202aa, a banking product and/or service 202ab, an investment product and/or service 202ac, and a financial advice product and/or service 202ad. The insurance product and/or service 202aa includes a plurality of links such as, for example, an auto insurance link 202aaa, a home and property insurance link 202aab, a business insurance link 202aac, a life insurance link 202aad, and an annuities insurance link 202aae. The banking product and/or service 202ab includes a plurality of links such as, for example, an checking link 202aba, a savings link 202abb, a credit cards link 202abc, a loans link 202abd, a Certificate of Deposits (CDs) link 202abe, and a youth banking link 202abf. The investment product and/or service 202ac includes a plurality of links such as, for example, an mutual funds link 202aca, a brokerage link 202acb, a college savings link 202acc, a personal asset management link 202acd, an annuities link 202ace, and a Individual Retirement Accounts (IRAs) link 202acf. The financial advice product or service 202ad includes a learn more link 202ada. 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 202a 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. 1a, 1b, 1c, 2a, 2b and 2c, the method 200 then proceeds to step 204 where the party 115 desires more information. While viewing the products and/or service website 202a 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 202abc under the banking products and/or services 202ab to access a credit cards information website 204a. Upon the selection of the credit card link 202abc by the party 115, the communication engine 110a provides the party 115 with the credit cards website 204a. The credit card website 204a includes a plurality of information 204aa about credit cards offered by the provider. The credit card website 204a may also include an application section 204ab having a join link 204aba such that the party 115 may apply for a credit card 204ac by selecting the join link 204aba. The credit card website 204a also includes a contact a representative link 204ac.

Referring now to FIGS. 1a, 1b, 1c, 2a, 2c and 2d, 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 204ac to access a inquiry form website 206a. Upon the selection of the contact a representative link 204ac by the party 115, the communication engine 110a provides the party 115 with the inquiry form website 206a. The inquiry form website 206a includes a party identifying section 206aa having a party identification field 206aaa and a security field 206aab. The inquiry form website 206a also includes a inquiry classification section 206ab having a plurality of inquiry classifier fields 206aba, 206abb and 206abc. The inquiry form website 206a also includes a inquiry narrative section 206ac and a submit link 206ad. 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 206aaa such as, for example, a member number provided by provider 110, and a security password in the security field 206aab 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 206aaa and the security field 206aab in the party identifying section 206aa may be left blank. The party 115 then provides an inquiry classifier in each of the inquiry classifier fields 206aba, 206abb and 206abc of the inquiry classification section 206ab. In an embodiment, each of the plurality of inquiry classifier fields 206aba, 206abb and 206abc are drop-down menus. In an embodiment, a first inquiry classifier may be selected from the drop down menu in the inquiry classifier field 206aba 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 206abb, and the selection of the second inquiry classifier in the drop down menu in the inquiry classifier field 206abc dictates the availability of choices for a third inquiry classifier in the drop down menu in the inquiry classifier field 206abc. The party 115 also provides a brief description or narrative of the inquiry in the inquiry narrative section 206ac. The party 115 may then select the submit link 206ad 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. 1a, 1b, 1c, 2a and 2d, the method 200 then proceeds to step 208 where the inquiry is translated. The communication engine 110a takes the party identifier provided in the party identification field 206aaa and the security password provided in the security field 206aab, and accesses the party database 110b to retrieve a party status of the party 115. In an embodiment, the party database 110b 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 110c then accesses the translating database 110d and may use the party status and the inquiry classifiers provided in the inquiry classifier fields 206aba, 206abb and 206abc to translate the inquiry into a skill set. In an embodiment, the translating engine 110c may use information from the communication engine 110a such as, for example, the content of the website that the party 115 was on before the party 115 accessed the inquiry form website 206a. In an embodiment, the translating engine 110c may include an artificial intelligence engine that is operable to access the narrative provided in the inquiry narrative section 206ac on the inquiry form website 206a and determine a first or second subject that the party 115 desires information on. In an embodiment, different combinations of the first inquiry classifier 208a, second inquiry classifier 208b, third inquiry classifier 208c, and party status 208d translate into a skill set 208e. For example, the chart below illustrates a plurality of possibilities available for a first inquiry classifier 208a of “Banking”, including the available second inquiry classifiers 208b 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 208d may or may not help determine the skill set 208e:

1st Inquiry	2nd Inquiry	3rd Inquiry
Classifier	Classifier	Classifier	Party
208a	208b	208c	Status 208d	Skill Set 208e
Banking	ANY	ANY	Bank Executive	Bank Executive Complaint
			Complaint
Banking	ANY	ANY	Employee	Employee Submitted Bank
				Inquiries
Banking	ANY	ANY	Select	Bank Select
Banking	Auto,	Automatic Payment		Bank Automatic Payment
	Recreational, and	Update		Update
	Personal Loans
Banking	Auto,	Negotiation		Bank Negotiation Services
	Recreational, and	Services
	Personal Loans
Banking	Auto,	Other		Bank Auto, Recreational,
	Recreational, and			and Personal Loans Other
	Personal Loans
Banking	Auto,	Payment		Bank Payment Information
	Recreational, and	Information
	Personal Loans
Banking	Auto,	Payoff Quote/Loan		Bank Payoff Quote/Loan
	Recreational, and	Balance		Balance
	Personal Loans
Banking	Auto,	Status of Application		Bank Status of Application
	Recreational, and
	Personal Banking
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 & Savings	ATM/Debit Card		Bank ATM/Debit Card
Banking	Checking & Savings	Account		Bank Account
		Activity/History		Activity/History
Banking	Checking & Savings	Check Orders/		Bank Check Orders/
		Deposit Slips		Deposit Slips
Banking	Checking & Savings	Funds Transfer		Bank Funds Transfer
Banking	Checking & Savings	Other		Bank Checking & Savings
				Other
Banking	Checking & Savings	Signature Cards		Bank Signature Cards
Banking	Checking & Savings	Statements		Bank Statements
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 Disputes		Bank Debit Card Disputes
Banking	Credit Cards	Other		Bank Credit Cards Other
Banking	Credit Cards	Payment Inquiry		Bank Payment Inquiry
Banking	Home Equity Loans	About Home Equity		Bank About Home Equity
		Loans		Loans
Banking	Home Equity Loans	Convenience		Bank Convenience Check
		Check Request		Request
Banking	Home Equity Loans	Increase Credit		Bank Increase Credit Limit
		Limit
Banking	Home Equity Loans	Other		Bank Home Equity Loans
				Other
Banking	Home Equity Loans	Status of		Bank Status of Application
		Application
Banking	Mortgages/Movers	Mortgage		Bank Mortgages
	Advantage
Banking	Mortgages/Movers	Movers Advantage		Bank Movers Advantage
	Advantage
Banking	Mortgages/Movers	Other		Bank Mortgages/Movers
	Advantage			Advantage Other
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 208a of “Enterprise”. The chart below illustrates that the party status 208d is the only factor to determine the skill set 208e for a first inquiry classifier 208a of “Enterprise”:

1st Inquiry	2nd Inquiry	3rd Inquiry
Classifier	Classifier	Classifier	Party	Skill
208a	208b	208c	Status 208d	Set 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 208a of “Financial Guidance” including the available second inquiry classifiers 208b 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 208d may not help determine the skill set 208e:

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

For example, the chart below illustrates a plurality of possibilities available for a first inquiry classifier 208a of “Investments” including the available second inquiry classifiers 208b 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 208d may or may not help determine the skill set 208e:

1st Inquiry	2nd Inquiry	3rd Inquiry
Classifier	Classifier	Classifier	Party
208a	208b	208c	Status 208d	Skill Set 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 Services	Existing Account		IMCO Brokerage Services
		Questions/Servicing		Existing Account
				Questions/Servicing
Investments	Brokerage Services	Non-USAA Mutual		IMCO Brokerage Services
		Funds		Non-USAA Mutual Funds
Investments	Brokerage Services	Open an		IMCO Brokerage Services
		Account/Request		Open an
		Information		Account/Request
				Information
Investments	Brokerage Services	Other		IMCO Brokerage Services
				Other
Investments	Brokerage Services	Scheduled Transfers		IMCO Brokerage Services
				Scheduled Transfers
Investments	Brokerage Services	Stock/Trading		IMCO Brokerage Services
		Questions		Stock/Trading Questions
Investments	Brokerage Services	Transfer Funds		IMCO Brokerage Services
				Transfer Funds
Investments	Brokerage Services	Web Site		IMCO Brokerage 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 208a of “Other” including the available second inquiry classifiers 208b when “Other” is selected as the first inquiry classifier. Furthermore, the chart below illustrates that the third inquiry classifier 208c and the party status 208d may not help determine the skill set 208e:

1st Inquiry	2nd Inquiry	3rd Inquiry	Party
Classifier	Classifier	Classifier	Status
208a	208b	208c	208d	Skill Set 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 208a of “Shopping and Discounts” including the available second inquiry classifiers 208b 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 208d may not help determine the skill set 208e:

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

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

	2nd			1st	2nd
1st Inquiry	Inquiry	3rd Inquiry	Party	Translated	Translated
Classifier	Classifier	Classifier	Status	Level	Level	Skill Set
208a	208b	208c	208d	208f	208g	208h
Insurance	Auto	Antique Auto	Employee	General	Auto	Auto
				Agency		Employee
Insurance	Auto	Antique Auto	Select	General	Auto	Auto Select
				Agency
Insurance	Auto	Antique Auto		General	Auto	Antique Auto
				Agency
Insurance	Property	Boat	Employee	General	Property	Property
				Agency		Employee
Insurance	Property	Boat	Select	General	Property	Property
				Agency		Select
Insurance	Property	Boat		General	Property	Boat
				Agency
Insurance	Property	Earthquake	Employee	General	Property	Property
				Agency		Employee
Insurance	Property	Earthquake	Select	General	Property	Property
				Agency		Select
Insurance	Property	Earthquake		General	Property	Earthquake
				Agency
Insurance	Property	Flood	Employee	General	Property	Property
				Agency		Employee
Insurance	Property	Flood	Select	General	Property	Property
				Agency		Select
Insurance	Property	Flood		General	Property	Flood
				Agency
Insurance	Auto	Antique Auto	Europe	International	Auto	Auto
						International
						Europe
Insurance	Auto	Antique Auto	non-	International	Auto	Auto
			Europe			International
						non-Europe
Insurance	Auto	Auto Sales	Europe	International	Auto	Auto
						International
						Europe
Insurance	Auto	Auto Sales	non-	International	Auto	Auto
			Europe			International
						non-Europe
Insurance	Auto	Billing	Europe	International	Auto	Auto
						International
						Europe
Insurance	Auto	Billing	non-	International	Auto	Auto
			Europe			International
						non-Europe
Insurance	Auto	Complex	Europe	International	Auto	Auto
		Billing				International
						Europe
Insurance	Auto	Billing	non-	International	Auto	Auto
		Complex	Europe			International
						non-Europe
Insurance	Auto	Other	Europe	International	Auto	Auto
						International
						Europe
Insurance	Auto	Other	non-	International	Auto	Auto
			Europe			International
						non-Europe
Insurance	Auto	Quote/Adjust	Europe	International	Auto	Auto
		Existing				International
		Policy				Europe
Insurance	Auto	Quote/Adjust	non-	International	Auto	Auto
		Existing	Europe			International
		Policy				non-Europe
Insurance	Property	Billing	Europe	International	Property	Property
						International
						Europe
Insurance	Property	Billing	non-	International	Property	Property
			Europe			International
						non-Europe
Insurance	Property	Boat	Europe	International	Property	Property
						International
						Europe
Insurance	Property	Boat	non-	International	Property	Property
			Europe			International
						non-Europe
Insurance	Property	Complex	Europe	International	Property	Property
		Billing				International
						Europe
Insurance	Property	Complex	non-	International	Property	Property
		Billing	Europe			International
						non-Europe
Insurance	Property	Earthquake	Europe	International	Property	Property
						International
						Europe
Insurance	Property	Earthquake	non-	International	Property	Property
			Europe			International
						non-Europe
Insurance	Property	Flood	Europe	International	Property	Property
						International
						Europe
Insurance	Property	Flood	non-	International	Property	Property
			Europe			International
						non-Europe
Insurance	Property	Other	Europe	International	Property	Property
						International
						Europe
Insurance	Property	Other	non-	International	Property	Property
			Europe			International
						non-Europe
Insurance	Property	Quote/Adjust	Europe	International	Property	Property
		an Existing				International
		Policy				Europe
Insurance	Property	Quote/Adjust	non-	International	Property	Property
		an Existing	Europe			International
		Policy				non-Europe
Insurance	Annuities	ANY	Complaint	Life Co.	Annuities	Life
						Complaint
Insurance	Annuities	ANY	Employee	Life Co.	Annuities	Life Employee
Insurance	Annuities	ANY	Life	Life Co.	Annuities	Life Executive
			Executive			Complaint
			Complaint
Insurance	Annuities	ANY	Select	Life Co.	Annuities	Life Select
Insurance	Annuities	Cancellation		Life Co.	Annuities	Cancellation
Insurance	Annuities	Information		Life Co.	Annuities	Information
		about a New				about a New
		Contract				Contract
Insurance	Annuities	Other		Life Co.	Annuities	Other/Misc.
Insurance	Annuities	Service to		Life Co.	Annuities	Service to
		your Existing				your Existing
		Contract				Contract
Insurance	Life	ANY	Life	Life Co.	Insurance	Life Executive
			Executive		Life	Complaint
			Complaint
Insurance	Life	ANY	Complaint	Life Co.	Life	Life
						Complaint
Insurance	Life	ANY	Employee	Life Co.	Life	Life Employee
Insurance	Life	ANY	Select	Life Co.	Life	Life Select
Insurance	Life	Cancellation		Life Co.	Life	Cancellation
Insurance	Life	Get A Quote		Life Co.	Life	Get A Quote
Insurance	Life	Other		Life Co.	Life	Other/Misc.
Insurance	Life	Report a		Life Co.	Life	Report a
		Claim				Claim
Insurance	Life	Service to		Life Co.	Life	Service to
		your Existing				your Existing
		Policy				Policy
Insurance	Life	Service to		Life Co.	Life	Service to
		your Pending				your Pending
		Policy				Policy
Insurance	Medicare/	ANY	Complaint	Life Co.	Medicare/	Life
	Long				Long	Complaint
	Term				Term
	Care				Care
Insurance	Medicare/	ANY	Employee	Life Co.	Medicare/	Life Employee
	Long				Long
	Term				Term
	Care				Care
Insurance	Medicare/	ANY	Life	Life Co.	Medicare/	Life Executive
	Long		Executive		Long	Complaint
	Term		Complaint		Term
	Care				Care
Insurance	Medicare/	ANY	Select	Life Co.	Medicare/	Life Select
	Long				Long
	Term				Term
	Care				Care
Insurance	Medicare/	Claim Inquiry		Life Co.	Medicare/	Claim Inquiry
	Long	for your			Long	for your
	Term	Existing			Term	Existing
	Care	Medicare			Care	Medicare
		Supplement				Supplement
		Policy				Policy
Insurance	Medicare/	Get A Quote		Life Co.	Medicare/	Get A Quote
	Long	for Medicare			Long	for Medicare
	Term	or Long Term			Term	or Long Term
	Care	Care			Care	Care
		Insurance				Insurance
Insurance	Medicare/	Other		Life Co.	Medicare/	Other/Misc.
	Long				Long
	Term				Term
	Care				Care
Insurance	Medicare/	Service to		Life Co.	Medicare/	Service to
	Long	your Existing			Long	your Existing
	Term	Medicare			Term	Medicare
	Care	Supplement			Care	Supplement
		Policy				Policy
Insurance	Auto	Auto Sales	Prospective	Member	Auto	Auto Sales
				Acquisition		Prospective
Insurance	Auto	Auto Sales	Prospective	Member	Auto	Auto Sales
			Employee	Acquisition		Prospective
						Employee
Insurance	Auto	Auto Sales	Prospective	Member	Auto	Auto Sales
			International	Acquisition		Prospective
						International
Insurance	Auto	Auto Sales	Prospective	Member	Auto	Auto Sales
			New	Acquisition		Prospective
			Jersey			New Jersey
Insurance	Property	Renters Sales	Prospective	Member	Property	Property
				Acquisition		Prospective
Insurance	Property	Renters Sales	Prospective	Member	Property	Renters Sales
			International	Acquisition		Prospective
						International
Insurance	Property	Renters Sales	Prospective	Member	Property	Renters Sales
			New	Acquisition		Prospective
			Jersey			New Jersey
Insurance	Property	Valuable	Prospective	Member	Property	Property
		Personal		Acquisition		Prospective
		Property
Insurance	Property	Valuable	Prospective	Member	Property	Property
		Personal	Employee	Acquisition		Prospective
		Property				Employee
Insurance	Property	Valuable	Prospective	Member	Property	Valuable
		Personal	International	Acquisition		Personal
		Property				Property
						Prospective
						International
Insurance	Property	Valuable	Prospective	Member	Property	Valuable
		Personal	New	Acquisition		Personal
		Property	Jersey			Property
						Prospective
						New Jersey
Insurance	Auto	Complex	Employee	P&C Billing	Auto	Auto
		Billing				Employee
Insurance	Auto	Complex	Select	P&C Billing	Auto	Auto Select
		Billing
Insurance	Auto	Complex		P&C Billing	Auto	Complex
		Billing				Billing
Insurance	Property	Complex	Employee	P&C Billing	Property	Property
		Billing				Employee
Insurance	Property	Complex	Select	P&C Billing	Property	Property
		Billing				Select
Insurance	Property	Complex		P&C Billing	Property	Complex
		Billing				Billing
Insurance	Auto	ANY	P&C	P&C Claims	Auto	P&C
	Claims		Executive		Claims	Executive
			Complaint			Complaint
Insurance	Auto	All United		P&C Claims	Auto	All United
	Claims	States			Claims	States
Insurance	Auto	Auto Claim	Central	P&C Claims	Auto	Auto Claim
	Claims		Region		Claims	Central
						Region
Insurance	Auto	Auto Claim	Employee	P&C Claims	Auto	Auto Claim
	Claims				Claims	Employee
Insurance	Auto	Auto Claim	International	P&C Claims	Auto	Auto Claim
	Claims				Claims	International
Insurance	Auto	Auto Claim	MARO	P&C Claims	Auto	Auto Claim
	Claims		Region		Claims	MARO
						Region
Insurance	Auto	Auto Claim	MSTRO	P&C Claims	Auto	Auto Claim
	Claims		Region		Claims	MSTRO
						Region
Insurance	Auto	Auto Claim	NE Region	P&C Claims	Auto	Auto Claim
	Claims				Claims	NE Region
Insurance	Auto	Auto Claim	SERO	P&C Claims	Auto	Auto Claim
	Claims		Region		Claims	SERO Region
Insurance	Auto	Auto Claim	SW Region	P&C Claims	Auto	Auto Claim
	Claims				Claims	SW Region
Insurance	Auto	Auto Claim	WESTRO	P&C Claims	Auto	Auto Claim
	Claims		Region		Claims	WESTRO
						Region
Insurance	Auto	Glass/Roadside		P&C Claims	Auto	Glass/Roadside
	Claims				Claims
Insurance	Auto	Other		P&C Claims	Auto	Other/Misc.
	Claims				Claims
Insurance	Property	ANY	P&C	P&C Claims	Property	P&C
	Claims		Executive		Claims	Executive
			Complaint			Complaint
Insurance	Property	Property	Central	P&C Claims	Property	Property
	Claims	Claim	Region		Claims	Claim Central
						Region
Insurance	Property	Property	Employee	P&C Claims	Property	Property
	Claims	Claim			Claims	Claim
						Employee
Insurance	Property	Property	International	P&C Claims	Property	Property
	Claims	Claim			Claims	Claim
						International
Insurance	Property	Property	MARO	P&C Claims	Property	Property
	Claims	Claim	Region		Claims	Claim MARO
						Region
Insurance	Property	Property	MSTRO	P&C Claims	Property	Property
	Claims	Claim	Region		Claims	Claim
						MSTRO
						Region
Insurance	Property	Property	NE Region	P&C Claims	Property	Property
	Claims	Claim			Claims	Claim NE
						Region
Insurance	Property	Property	SERO	P&C Claims	Property	Property
	Claims	Claim	Region		Claims	Claim SERO
						Region
Insurance	Property	Property	SW Region	P&C Claims	Property	Property
	Claims	Claim			Claims	Claim SW
						Region
Insurance	Property	Property	WESTRO	P&C Claims	Property	Property
	Claims	Claim	Region		Claims	Claim
						WESTRO
						Region
Insurance	Auto	ANY	P&C	P&C Service	Auto	P&C
			Executive			Executive
			Complaint			Complaint
Insurance	Auto	Auto Sales	Employee	P&C Service	Auto	Auto
						Employee
Insurance	Auto	Auto Sales	Massachusetts	P&C Service	Auto	Quote/Adjust
						Existing
						Policy
						Massachusetts
Insurance	Auto	Auto Sales	Select	P&C Service	Auto	Auto Select
Insurance	Auto	Auto Sales		P&C Service	Auto	Auto Sales
Insurance	Auto	Billing	Employee	P&C Service	Auto	Auto
						Employee
Insurance	Auto	Billing	Select	P&C Service	Auto	Auto Select
Insurance	Auto	Billing		P&C Service	Auto	Billing
Insurance	Auto	Other	Employee	P&C Service	Auto	Auto
						Employee
Insurance	Auto	Other	Select	P&C Service	Auto	Auto Select
Insurance	Auto	Other		P&C Service	Auto	Other/Misc.
Insurance	Auto	Quote/Adjust	Employee	P&C Service	Auto	Auto
		Existing				Employee
		Policy
Insurance	Auto	Quote/Adjust	Massachusetts	P&C Service	Auto	Quote/Adjust
		Existing				Existing
		Policy				Policy
						Massachusetts
Insurance	Auto	Quote/Adjust	Select	P&C Service	Auto	Auto Select
		Existing
		Policy
Insurance	Auto	Quote/Adjust		P&C Service	Auto	Quote/Adjust
		Existing				Existing
		Policy				Policy
Insurance	Property	ANY	P&C	P&C Service	Property	P&C
			Executive			Executive
			Complaint			Complaint
Insurance	Property	Billing	Employee	P&C Service	Property	Property
						Employee
Insurance	Property	Billing	Select	P&C Service	Property	Property
						Select
Insurance	Property	Billing		P&C Service	Property	Billing
Insurance	Property	Other	Employee	P&C Service	Property	Property
						Employee
Insurance	Property	Other	Select	P&C Service	Property	Property
						Select
Insurance	Property	Other		P&C Service	Property	Other/Misc.
Insurance	Property	Quote/Adjust	Employee	P&C Service	Property	Property
		an Existing				Employee
		Policy
Insurance	Property	Quote/Adjust	Select	P&C Service	Property	Property
		an Existing				Select
		Policy
Insurance	Property	Quote/Adjust		P&C Service	Property	Quote/Adjust
		an Existing				an Existing
		Policy				Policy
Insurance	Property	Renters Sales	Employee	P&C Service	Property	Property
						Employee
Insurance	Property	Renters Sales	Europe	P&C Service	Property	Property
						International
						Europe
Insurance	Property	Renters Sales	Select	P&C Service	Property	Property
						Select
Insurance	Property	Renters Sales	non-	P&C Service	Property	Property
			Europe			International
						non-Europe
Insurance	Property	Renters Sales		P&C Service	Property	Renters Sales
Insurance	Property	Valuable	Employee	P&C Service	Property	Property
		Personal				Employee
		Property
Insurance	Property	Valuable	Europe	P&C Service	Property	Property
		Personal				International
		Property				Europe
Insurance	Property	Valuable	Select	P&C Service	Property	Property
		Personal				Select
		Property
Insurance	Property	Valuable	non-	P&C Service	Property	Property
		Personal	Europe			International
		Property				non-Europe
Insurance	Property	Valuable		P&C Service	Property	Valuable
		Personal				Personal
		Property				Property
Insurance	Property	Quote a New	Employee	Property	Property	Property
		Purchase		Specialization		Employee
Insurance	Property	Quote a New	Europe	Property	Property	Property
		Purchase		Specialization		International
						Europe
Insurance	Property	Quote a New	Prospective	Property	Property	Property
		Purchase		Specialization		Prospective
Insurance	Property	Quote a New	Prospective	Property	Property	Property
		Purchase	Employee	Specialization		Prospective
						Employee
Insurance	Property	Quote a New	Prospective	Property	Property	Quote a New
		Purchase	International	Specialization		Purchase
						Prospective
						International
Insurance	Property	Quote a New	Select	Property	Property	Property
		Purchase		Specialization		Select
Insurance	Property	Quote a New	non-	Property	Property	Property
		Purchase	Europe	Specialization		International
						non-Europe
Insurance	Property	Quote a New		Property	Property	Quote a New
		Purchase		Specialization		Purchase

Referring now to FIGS. 1a, 1b, 1c, 2a, 2d and 2e, 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 210a, illustrated in FIG. 2e. The representative skill set website 210a includes a representative name section 210aa, a representative unit number section 210ab, a representative identification section 210ac, a skill sets section 210ad, a primary skill set selector 210ae, a secondary skill set selector 210af, and a reviewer selector 210ag. The skill sets section 210ad includes a plurality of skill set selectors that are organized under sections such as, for example, a banking section 210ada having a plurality of subsections such as, for example, a credit cards subsection 210adaa, a CDs/IRAs subsection 210adab, an auto, recreational, and personal loans subsection 210adac, and a mortgages/movers advantage subsection 210adad. A representative skill set website 210a may be generated and modified for every representative that is connected to the inquiry response center. The representative name section 210aa includes the name of the representative that the representative skill set website 210a has been generated for, the representative unit number section 210ab includes the number of a subsection of the inquiry response center that the representative belongs to, and the representative identification section 210ac includes an identification number assigned to the representative that the representative skill set website 210a has been generated for. The skills sets section 210ad includes selectors for every possible skill set a representative may have such as, for example, the skills sets 208e and 208h listed in the charts above, and the representative supervisor may select any of the selectors under, for example, the credit cards subsection 210adaa, the CDs/IRAs subsection 210adab, the auto, recreational, and personal loans subsection 210adac, and the mortgages/movers advantage subsection 210adad that correspond to knowledge possessed by the representative that the representative skill set website 210a has been generated for. Furthermore, the representative supervisor may use the primary skill set selector 210ae and the secondary skill set selector 210af 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 210ag 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 110e accesses the representative database 110f and determines the representatives that have that skill set to provide a response to the inquiry. The routing engine 110e 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 110e searches for inquiries that match the representatives skill sets as determined using the primary skill set selector 210ae in the skill set section 210ad and provides those inquiries to the primary representative. If the routing engine 110e does not find inquiries that match the representatives skill sets as determined using the primary skill set selector 210ae in the skill set section 210ad, the routing engine 110e searches for inquiries that match the representatives skill sets as determined using the secondary skill set selector 210af in the skill set section 210ad 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 210ae and the secondary skill set selector 210af 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 110e 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. 1a, 1b, 1c, 2a and 2f, 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 212a, illustrated in FIG. 2f. The representative worklist website 212a includes a status section 212aa where the primary representative may set their status using a plurality of selectors such as, for example, a available selector 212aaa, an unavailable selector 212aab, an away selector 212aac, and an offline selector 212aad. The representative worklist website 212a also includes a folders section 212ab where the primary representative may access current inquiries through a worklist link 212aba and pending inquiries through a pending link 212abb. The representative worklist website 212a also includes a search section 212ac where the primary representative may search for inquiries by providing information in one or more of a customer/party number field 212aca, representative identification field 212acb, and a plurality of date fields 212acc and 212acd. The representative worklist website 212a also includes a worklist section 212ad where the primary representative may manage inquiries that the primary representative is currently working on and that includes a from field 212ada, a customer/party number field 212adb, a subject field 212adc, a received field 212add, a due by field 212ade, and a compose new message link 212adf. In an embodiment, when the primary representative has the available selector 212aaa in the status section 212aa 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. 2e. The worklist section 212ad will then populate with an inquiry entry including the name of the party 115 in the from field 212ada, an identification number that was either previously assigned or assigned during step 206 of the method 200 in the customer/party number field 212adb, an inquiry subject that may be the translated skill set from step 208 of the method 200 in the subject field 212adc, a date the inquiry was submitted in the received field 212add, and a date and time that the inquiry must be responded to in the due by field 212ade. In an embodiment, the date and time in the due by field 212ade 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 212adf 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 212ad with new inquiries such that the predetermined number of inquiries is provided to the primary representative.

Furthermore, the metrics engine 110g is connected to the representative worklist website 212a 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. 1a, 1b, 1c and 2a, 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 210a. 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 212a, illustrated in FIG. 2f. 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 210ag on the representative skill set website 210a, described above with reference to FIG. 2e. 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 110e 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 110f. 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.