SYSTEM AND METHOD FOR DETERMINING ELEGIBILITY AND ENROLLING MEMBERS IN VARIOUS PROGRAMS

• US 20090070247A1
• Filed: 11/14/2008
• Published: 03/12/2009
• Est. Priority Date: 12/20/2000
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: SIMON, Scott H., Forst, Jon K., Woodall, Nancy W., Nikithser, Michael F., Shields, Gregory
• Granted Patent: US 7,962,391 B2
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis

Abstract

A system and method for determining eligibility of persons and enrolling those persons in various programs. For example, one embodiment is particularly suited for enrolling credit card members in payment programs. A program is selected, after which enrollment information is entered. The enrollment information is checked and verified, and the enrollment application is checked for eligibility. The enrollment may be either accepted or declined. The possibility of reiterative enrollment in more than one program is provided. A system is provided for tracking which payment programs are the most enticing for later feedback analysis.

Claims

1-22. -22. (canceled)

23. A system for enrolling an individual who has an obligation to a financial institution in one or more payment programs comprising:

at least one computer having a display operatively connected to at least one processor and an input device operatively connected to the at least one processor;

an interactive user application running on the at least one processor;

a graphical user interface generated by the interactive user application and displayed on the display, the graphical user interface displaying a list of payment programs in which the individual may enroll;

the graphical user interface further displaying on the display upon selection of a payment program from the list of payment programs, an application form for receiving enrollment information regarding a selected payment program, and a description of the selected program.

24. The system according to claim 23, wherein the displayed list of payment programs are credit card repayment programs.

25. The system according to claim 23, wherein the graphical user interface further displays information regarding the eligibility of the individual to enroll in each of the payment programs on the list of payment programs.

26. The system according to claim 25, wherein the graphical user interface further displays information regarding whether the individual has previously been offered the payment programs from the list of payment programs and whether the individual is currently enrolled in any of the payment programs from the list of payment programs.

27. The system according to claim 23, wherein the graphical user interface displays information indicating the payment programs that are likely to most benefit the individual.

28. The system according to claim 23, wherein the application form includes fields to facilitate entry of enrollment information.

29. The system according to claim 23, wherein graphical user interface comprises a plurality of windows.

30. The system according to claim 23, wherein the system further comprises a validation and verification module.

31. The system according to claim 30, wherein the validation and verification module determines whether payment program enrollment information is within a specified range.

32. A computer implemented method for enrolling an individual who has an obligation to a financial institution in one or more payment programs comprising:

displaying to a user via a graphical user interface a list of payment programs in which the individual may enroll;

receiving from the user an indication of a selection of a payment program from the list of payment programs; and

displaying to the user via the graphical user interface an application form for receiving enrollment information regarding the selected payment program, and a description of the selected program.

33. The computer implemented method of claim 32, wherein the user is customer service representative.

34. The computer implemented method of claim 32, wherein the user is an individual who has an obligation to a financial institution.

35. The computer implemented method of claim 32, wherein the displayed list of payment programs are credit card repayment programs.

36. The computer implemented method of claim 32, further comprising:

displaying information regarding the eligibility of the individual to enroll in each of the payment programs on the list of payment programs.

37. The computer implemented method of claim 32, further comprising:

displaying information regarding whether the individual has previously been offered the payment programs from the list of payment programs and whether the individual is currently enrolled in any of the payment programs from the list of payment programs.

38. The computer implemented method of claim 32, further comprising:

displaying information indicating the payment programs that are likely to most benefit the individual.

39. The computer implemented method of claim 32, wherein the application form includes fields to facilitate entry of enrollment information.

40. The computer implemented method of claim 32, wherein the method further comprises:

receiving enrollment information from the user; and

validating and verifying at least a portion of the received enrollment information.

41. The computer implemented method of claim 40, wherein validating and verifying enrollment information comprises:

determining whether payment program enrollment information is within a specified range.

42. The computer implemented method of claim 40, wherein validating and verifying enrollment information comprises:

determining whether payment program enrollment information is within a supervisor override range.