Card holder application status system and method

• US 20050038735A1
• Filed: 08/09/2004
• Published: 02/17/2005
• Est. Priority Date: 08/11/2003
• Status: Abandoned Application

• Current Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Hunt, Gordon R., Yadav, Vinod Y., Luke, Gary G., Rajagopalan, Sukumar J., Varty, Debra L., Holmes, Debbie G., Goldman, Mary L.
• Application Number:
  US10/914,667
• Publication Number:
  US 20050038735A1
• Time in Patent Office: Days
• US Class Current: 705/38
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

Facilitating the processing of requests for status of an application for a credit card or other financial instrument. An applicant for the financial instrument provides a request for status of the application, including with the request information related to an identification of the applicant. The request is validated using the identification information, and status information related to the request is obtained, if available. Based upon the validation and status information, if available, the status information is selectively providing to the applicant via a non-voice communication such as in an e-mail or web page.

Claims

1. A method for facilitating the processing of requests for status information related to an application, comprising:

receiving, from an applicant, a request for status information related to an application for a financial instrument;

obtaining information related to the request; and

providing via a non-voice electronic communication the information for the request.

2. The method of claim 1, further including validating the request for the status.

3. The method of claim 1 wherein the providing step includes providing the information in a web page.

4. The method of claim 2, further including obtaining from the applicant information identifying the applicant for use in validating the request.

5. The method of claim 1, further including attempting to obtain the information within a particular time frame.

6. The method of claim 1, further including providing an error message to the applicant if the information related to the request is not available.

7. The method of claim 1 wherein the providing step includes providing a date of the application, an identification of the financial instrument requested in the application, and a status of the application.

8. An apparatus for facilitating the processing of requests for status information related to an application, comprising:

a receive module for receiving, from an applicant, a request for status information related to an application for a financial instrument by the applicant;

an information module for obtaining information related to the request; and

a provide module providing via a non-voice electronic communication the information for the request.

9. The apparatus of claim 8, further including a module for validating the request for the status.

10. The apparatus of claim 8 wherein the provide module includes a module for providing the information in a web page.

11. The apparatus of claim 9, further including a module for obtaining from the applicant information identifying the applicant for use in validating the request.

12. The apparatus of claim 8, further including a module for attempting to obtain the information within a particular time frame.

13. The apparatus of claim 8, further including a module for providing an error message to the applicant if the information related to the request is not available.

14. The apparatus of claim 8 wherein the provide module includes a module for providing a date of the application, an identification of the financial instrument requested in the application, and a status of the application.

15. A method for facilitating the processing of requests for status information related to an application, comprising:

receiving, from an applicant, a request for status information related to an application for a financial instrument by the applicant, the request including information related to an identification of the applicant;

validating the request using the information;

attempting to obtain status information related to the request; and

based upon the validating steps, selectively providing to the applicant, via a non-voice electronic communication, the status information related to the request.

16. The method of claim 15 wherein the providing step includes providing the information in a web page.

17. The method of claim 15 wherein the attempting step includes accessing a system via a network connection in order to attempt to obtain the status information from the system.

18. The method of claim 15, further including providing, via the non-voice electronic communication, the status information at particular points during processing of the application.