Systems and methods for facilitating responses to credit requests
First Claim
1. A method of facilitating responses to credit requests, comprising:
- receiving via a customer service representative information associated with a customer'"'"'s credit request;
estimating income information associated with the customer; and
arranging for the customer to receive a response to the credit request in substantially real time.
1 Assignment
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Accused Products
Abstract
Systems and methods are disclosed to facilitate responses to credit requests. According to one embodiment, information associated with a credit request is received from a customer. For example, information may be received from a customer via a customer service representative located at a telephone call center. Income information associated with the customer is then estimated. For example, a credit rating service may estimate the customer'"'"'s income based on an existing mortgage loan. The estimated income is then used to provide the customer with a response to his or her request in substantially real time. For example, the customer service representative may provide the response to the customer via the telephone call.
88 Citations
24 Claims
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1. A method of facilitating responses to credit requests, comprising:
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receiving via a customer service representative information associated with a customer'"'"'s credit request;
estimating income information associated with the customer; and
arranging for the customer to receive a response to the credit request in substantially real time. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. An apparatus, comprising:
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a processor; and
a storage device in communication with said processor and storing instructions adapted to be executed by said processor to;
receive via a customer service representative information associated with a customer'"'"'s credit request, estimate income information associated with the customer, and arrange for the customer to receive a response to the credit request in substantially real time. - View Dependent Claims (19, 20)
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21. A medium storing instructions adapted to be executed by a processor to perform a method of facilitating responses to credit requests, said method comprising:
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receiving via a customer service representative information associated with a customer'"'"'s credit request;
estimating income information associated with the customer; and
arranging for the customer to receive a response to the credit request in substantially real time.
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22. A computer-implemented method of facilitating responses to requests for increased credit limits, comprising:
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receiving information associated with a request for an increased credit limit via a telephone call between a customer and a customer service representative;
automatically transmitting credit request information from a customer service representative device to a credit rating service device via a communication network;
receiving a response from the credit rating service device, the response being based on an estimated income determined in accordance with mortgage information associated with the customer; and
providing the response to the customer in substantially real time via the telephone call.
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23. A method of facilitating responses to credit requests, comprising:
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receiving information associated with a customer'"'"'s credit request;
automatically generating a response to the credit request; and
if the automatically generated response to the credit request is not an approval, determining if the response to the credit request will be a referral.
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24. A method of facilitating responses to credit requests, comprising:
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receiving from a customer information associated with a credit request;
locally determining if a response to the credit request is a denial; and
if it is not determined that the response is a denial;
automatically transmitting information to a credit rating service device, and receiving a response to the credit request based on credit rating information; and
providing the response to the customer in substantially real time.
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Specification