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Application and processes for the review and adjustment of the full lifecycle of consumer finances

  • US 20050027633A1
  • Filed: 06/25/2004
  • Published: 02/03/2005
  • Est. Priority Date: 06/25/2003
  • Status: Abandoned Application
First Claim
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1. A method to manage consumer'"'"'s financial development, comprising:

  • constructing a consumer'"'"'s financial profile for an individual consumer, wherein the consumer'"'"'s financial profile is maintained within a consumer database;

    creating a lead based on the consumer'"'"'s financial profile, wherein the lead is provided to at least one counselor, and wherein the at least one counselor is operable to establish a relationship with the individual consumer;

    determining financial options available to the individual consumer based on the consumer'"'"'s financial profile and communications between the at least one counselor and the individual consumer;

    selecting a financial program from the financial options available to the individual consumer based on the consumer'"'"'s financial profile; and

    submitting a financial application for the selected financial program for approval.

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