# US 2026/0065321 A1 · System and method of generating existing customer leads > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2026/0065321 A1 - Document ID: US20260065321A1 - Status: Published application - Kind: A1 - Application number: 19/324,992 - Filed: 2025-09-10 - Published: 2026-03-05 - Earliest claimed: 2008-06-13 - Assignees: Lmb Mortgage Services, Inc. - Applicants: Lmb Mortgage Services, Inc. - Inventors: Bruce Cook; Vincent Lewis; Anson Lee - Web page: https://patentgrep.com/patent/US20260065321A1 ## CPC - G06Q 30/0255: {based on user history} - G06Q 30/0251: Targeted advertisements - G06Q 30/0609: {Qualifying participants for shopping transactions (payment transaction verification G06Q20/401)} - G06Q 30/0611: {Request for offers or quotes} - G06Q 40/03: Credit; Loans; Processing thereof - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract One embodiment of an existing customer lead generation system comprises a vendor customer information database, a vendor criteria database, a web server, a matching engine, and a transmission component. The vendor customer information database identifies vendor's existing customers. The vendor criteria database determines which leads each vendor wants to receive. Separate criteria may be specified for consumers that are existing customers and consumers that are not existing customers. The web server receives characteristics of a consumer and a product or service. The matching engine compares the consumer characteristics with the vendor customer information database to identify vendors for which the consumer is an existing customer. The matching engine applies existing customer criteria to match the consumer with existing vendors. The matching engine applies non-existing customer criteria to match the consumer with other vendors. The transmission component transmits a lead identifying the consumer to the matched vendors. ## Claims ### Claim 1 (canceled) ### Claim 2 A system comprising: one or more computer readable storage devices configured to store: a plurality of computer-executable instructions; vendor criteria that specifies, for each vendor, criteria for determining leads of interest to the vendor, including existing customer criteria and potential customer criteria; and a web server configured to receive user characteristics and characteristics of a product or service; and one or more hardware computer processors in communication with the one or more computer readable storage devices to execute the plurality of computer-executable instructions to cause the system to: automatically generate display instructions comprising a web-based form configured to be presented on a web page, the web-based form configured to prompt a user to input a first set of user characteristics associated with the user; electronically receive a request to match the user with one or more vendors; electronically receive, from a third party server, a second set of user characteristics comprising user characteristics associated with the user; transmit, to a vendor, at least a portion of at least one of the first set of user characteristics and the second set of user characteristics, including enough information to determine whether the user is an existing customer of the vendor while maintaining security and privacy of sensitive personal information belonging to the user due to the portion including not enough information to allow the vendor to directly contact the user; receive, from the vendor, an indication of whether the user is an existing customer of the vendor; if the user is an existing customer of the vendor, perform a first update to the web page to include the vendor; if the user is not an existing customer of the vendor, perform a second update to the web page to include the vendor, wherein the second update is different from the first update; and in response to receiving an indication of selection of the vendor by the user, transmit personally identifying user information associated with the user to the vendor. ### Claim 3 (depends on 2) The system of claim 2, wherein the second set of user characteristics is identified based at least in part on the first set of user characteristics. ### Claim 4 (depends on 2) The system of claim 2, wherein the first update is performed based on a first comparison indicating a match to an existing customer, wherein the first comparison is based on a determination that a close match to an existing customer is found, even if the match is not exact. ### Claim 5 (depends on 2) The system of claim 2, wherein the one or more hardware computer processors further cause the system to: check bounties that vendors are willing to pay to receive a lead; and select one or more vendors, including the vendor, based at least in part on the bounties. ### Claim 6 (depends on 2) The system of claim 2, wherein the one or more hardware computer processors are configured to further cause the system to: transmit, to the vendor, in addition to the portion of the first set of user characteristics, additional information related to a type of good of service being offered. ### Claim 7 (depends on 2) The system of claim 2, wherein the at least a portion of the first set of user characteristics or the second set of user characteristics comprises a match key, wherein the match key provides a unique identification of the user with a high degree of accuracy. ### Claim 8 (depends on 2) The system of claim 2, wherein the second set of user characteristics is encrypted once received from the third party server to protect sensitive user information. ### Claim 9 A method comprising: accessing a vendor criteria database comprising vendor criteria that specifies, for each vendor, criteria for determining leads of interest to the vendor; generating, display instruction comprising a web-based form configured to be presented on a web page, the web-based form configured to prompt a user to input a first set of user characteristics associated with the user; electronically receiving, by a web server, a request to match the user with one or more vendors; transmitting, to a vendor, at least a portion of the first set of user characteristics, including enough information to determine whether the user is an existing customer of the vendor while maintaining security and privacy of sensitive personal information belonging to the user; receiving, from the vendor, an indication of whether the user is an existing customer of the vendor; if the user is an existing customer of the vendor, perform a first update to the web page to include the vendor; if the user is not an existing customer of the vendor, perform a second update to the web page to include the vendor, wherein the second update is different from the first update; and in response to receiving an indication of selection of the vendor by the user, transmitting personally identifying user information associated with the user to the vendor. ### Claim 10 (depends on 9) The method of claim 9, further comprising: electronically receiving, from a third party server, a second set of user characteristics comprising user characteristics associated with the user, wherein the second set of user characteristics is identified based at least in part on the first set of user characteristics. ### Claim 11 (depends on 9) The method of claim 9, wherein the second update is performed based on a second comparison indicating a match to an existing customer, wherein the second comparison is based on a determination that a close match to a potential customer is found, even if the match is not exact. ### Claim 12 (depends on 9) The method of claim 9, further comprising: checking, bounties that vendors are willing to pay to receive a lead; and selecting, one or more vendors, including the vendor, based at least in part on the bounties. ### Claim 13 (depends on 9) The method of claim 9, further comprising: transmitting, to the vendor, in addition to the portion of the first set of user characteristics, additional information related to a type of good of service being offered. ### Claim 14 (depends on 10) The method of claim 10, wherein the at least a portion of the first set of user characteristics or the second set of user characteristics comprises a match key, wherein the match key provides a unique identification of the user with a high degree of accuracy. ### Claim 15 (depends on 10) The method of claim 10, wherein the second set of user characteristics is encrypted once received from the third party server to protect sensitive user information. ### Claim 16 A method comprising: accessing a vendor criteria database comprising vendor criteria that specifies, for each vendor, potential customer criteria for determining leads of interest to the vendor; generating, display instruction comprising a web-based form configured to be presented on a web page, the web-based form configured to prompt a user to input a first set of user characteristics associated with the user; electronically receiving, by a web server, a request to match the user with one or more vendors, wherein the request includes the first set of user characteristics; transmitting, to a vendor, at least a portion of the first set of user characteristics, including enough information to determine whether the user is an existing customer of the vendor; and in response to receiving, from the vendor, an indication that the user is not an existing customer, perform an update to the web page to include the vendor. ### Claim 17 (depends on 16) The method of claim 16, further comprising: electronically receiving, from a third party server, a second set of user characteristics comprising user characteristics associated with the user, wherein the second set of user characteristics is identified based at least in part on the first set of user characteristics. ### Claim 18 (depends on 16) The method of claim 16, further comprising: checking, bounties that vendors are willing to pay to receive a lead; and selecting, one or more vendors, including the vendor, based at least in part on the bounties. ### Claim 19 (depends on 16) The method of claim 16, further comprising: in response to receiving an indication of selection of the vendor by the user, transmitting personally identifying user information associated with the user to the vendor. ### Claim 20 (depends on 16) The method of claim 16, wherein the at least a portion of the first set of user characteristics comprises a match key, wherein the match key provides a unique identification of the user with a high degree of accuracy. ### Claim 21 (depends on 17) The method of claim 17, wherein the second set of user characteristics is encrypted once received from the third party server to protect sensitive user information.