Application and processes for the review and adjustment of the full lifecycle of consumer finances
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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Abstract
A network based system to facilitate managing a consumer'"'"'s financial development. This network based system includes at least one computer system operable to execute a consumer module, a communication module, a lead sourcing module, a creditor module, a financial processing module, and a counselor module. A number of databases such as a consumer database, creditor database, and lead database operably couple to the network based computer. Consumers, counselors and creditors may interact with one another through web-based user interfaces presented by modules executed on the network based computer.
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Citations
20 Claims
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1. A method to manage consumer'"'"'s financial development, comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A network based system to facilitate managing a consumer'"'"'s financial development, comprising:
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a network based computer, operable to execute a;
a consumer module;
a communication module;
a lead sourcing module;
a creditor module;
a financial processing module; and
a counselor module;
a consumer database operably coupled to the network based computer;
a creditor database operably coupled to the network based computer;
a lead database operably coupled to the network based computer; and
wherein consumers, counselors and creditors may interact with one another through web-based user interfaces presented by modules executed on the network based computer. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification