Method and system for loan application non-acceptance follow-up

• US 20090059909A1
• Filed: 09/18/2007
• Published: 03/05/2009
• Est. Priority Date: 08/30/2007
• Status: Active Grant

• Current Assignee: CC Serve Corp. (Atlanticus Holdings Corporation)
• Original Assignee: CC Serve Corp. (Atlanticus Holdings Corporation)
• Inventors: Sullivan, Richard Ali
• Granted Patent: US 9,152,995 B2
• Time in Patent Office: Days
• US Class Current: 370/360
• CPC Class Codes: G06Q 10/06 Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

An interface system (100) configured for interaction between a client browser portal (105) and a server-based information handling system (102) includes an interaction controller (110) and a workflow processor (115). The interaction controller (110) and workflow processor (115) operate to transfer, deliver, operate upon, and manage data objects flowing to and from the system from the client browser portal (105). In one embodiment, a web step manager (112) and a flow step manager (113) work to execute workflows that ensure data is delivered to and from the information handling system (102) in an efficient manner. In another embodiment, process activities are executed to do the same. The system (100) facilitates automated on-line systems, such as an on-line installment loan system, to operate with off the shelf information handling systems (102).

Claims

1. An interface system configured for interaction between a networked client portal and a server-based information handling system, comprising:

an interaction controller configured to receive data objects from a client browser portal and to identify a predetermined workflow corresponding to the data objects, wherein the interaction controller comprises;

a web step manager configured to load a workflow interaction component associated with the predetermined workflow, wherein the workflow interaction component comprises at least one executable flow step; and

a flow step manager configured to execute each of the at least one executable flow steps by at least delivering extracted data from the data objects to a data interface of the server-based information handling system and to determine any next flow steps remaining from the at least one executable flow step; and

a workflow processor configured to adapt the extracted data into a predetermined format recognized by the data interface of the server-based information handling system.

2. The interface system of claim 1, wherein the data objects comprise JSON data.

3. The interface system of claim 2, wherein the predetermined format comprises XML format.

4. The interface system of claim 1, wherein the client browser portal comprises a Java servlet configured to locate and manipulate the data objects.

5. The interface system of claim 4, wherein the client browser portal further comprises an html webpage providing an electronic loan application.

6. The interface system of claim 1, wherein the workflow interaction component comprises a form, wherein the form comprises a predetermined data arrangement.

7. The interface system of claim 1, wherein the any next flow steps remaining from the at least one executable flow step comprise one of another flow step or a web step.

8. The interface system of claim 7, wherein the web step comprises display information for presentation on the client browser portal.

9. The interface system of claim 1, wherein the flow step manager is further configured to deliver process control to the data interface of the server-based information handling system upon delivering the extracted data to the data interface of the server-based information handling system.

10. The interface system of claim 1, wherein the server-based information handling system comprises combined data viewer and data processing system for use with a computer-based information handling system having a display device and that displays on a screen of said display device a user interface for viewing reference data associated with a conceptual entity and for execution of multiple complex processes for manipulating said reference data, said combined data viewer and data processing system comprising:

a process panel comprising a first region including a list of all the complex processes, a second region for displaying a list of all currently running ones of the complex processes, and a third region comprising a process work area for display of a state of a selected process and/or receiving user input;

a data viewer comprising a content pane for display of data associated with said conceptual entity;

a common window framing the process panel and the data viewer;

said process work area and said content pane being selectably viewable and occupying overlapping positions within said common window; and

said first, second, and third regions being mutually non-overlapping.

11. A method of interfacing with a server-based information handling system, the method comprising the steps of:

receiving a data object from a client browser portal;

identifying a workflow associated with the data object from the client browser portal;

retrieving a web flow interaction corresponding to the workflow;

identifying a flow step to be executed;

extracting extracted data from the data object;

formatting the extracted data into a predetermined format recognized by a data interface of the server-based information handling system;

executing the flow step by delivering the extracted data from the data object to the data interface of the server-based information handling system; and

identifying a next executable step upon executing the flow step.

12. The method of claim 11, wherein the next executable step comprises a next flow step further comprising the step of executing the next flow step by delivering the extracted data from the data object to the data interface of the server-based information handling system.

13. The method of claim 12, wherein the step of executing the next flow step comprises capturing a completed data set and delivering at least a portion of the data object to the data interface of the server-based information handling system.

14. The method of claim 11, wherein the next executable step comprises a web step, further comprising the steps of executing the web step by:

identifying an empty data set structure;

identifying a presentation component corresponding to the empty data set structure; and

delivering the empty data set structure and the presentation component to the client browser portal.

15. The method of claim 11, wherein the step of formatting the extracted data into the predetermined format recognized by the data interface of the server-based information handling system comprises transforming the extracted data from JSON format to XML format.

16. The method of claim 11, further comprising the step of pausing after the step of executing the flow step.

17. A method of interfacing with a server-based information handling system, the method comprising the steps of:

receiving a data object from a client browser portal;

identifying a process activity corresponding to the data object, wherein the process activity comprises a process management construct that is configured to initiate, pause, and complete a workflow in the server-based information handling system;

extracting extracted data from the data object;

formatting the extracted data into a predetermined format recognized by a data interface of the server-based information handling system;

executing the process activity, wherein the step of executing comprises delivering the extracted data from the data object to the data interface of the server-based information handling system; and

identifying a subsequent process activity, wherein identification of the subsequent process activity is dependent in part upon completion of the process activity.

18. The method of claim 17, further comprising the step of resolving side effects resulting from the step of executing the process activity.

19. The method of claim 17, wherein the client browser portal comprises a web-based loan offer system.

20. The method of claim 17, wherein the process activity comprises at least one java server tag.