DYNAMIC PRE-QUALIFICATION

• US 20120259776A1
• Filed: 04/08/2011
• Published: 10/11/2012
• Est. Priority Date: 04/08/2011
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Bajaj, Hitesh, Banerjee, Amlan, Pigg, Charles F., Hernandez, Ray R., Saar, Andrew L.
• Application Number:
  US13/083,325
• Publication Number:
  US 20120259776A1
• Time in Patent Office: Days
• US Class Current: 705/42
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Embodiments of the invention are directed to systems, methods and computer program products for determining whether an account is eligible to participate in a banking service. In some embodiments, a method includes: (a) receiving information associated with an account; (b) determining, based at least partially on the information, that the account is eligible to participate in a banking service; and (c) presenting, in an electronic banking environment accessible to a holder of the account, an identifier associated with the banking service, where the presenting is based at least partially on the determining that the account is eligible. In some embodiments, the method further includes activating the banking service for the account. In some embodiments, the identifier is embodied as an input feature that enables the holder to enroll in the banking service. In other embodiments, the identifier is embodied as an input feature that enables the holder to use the banking service.

Claims

1. A method comprising:

receiving information associated with an account;

determining, using a processor and based at least partially on the information, that the account is eligible to participate in a banking service; and

presenting, in an electronic banking environment accessible to a holder of the account, an identifier associated with the banking service, wherein the presenting is based at least partially on the determining that the account is eligible.

2. The method of claim 1, wherein the identifier comprises an input feature that enables the holder to enroll in the banking service.

3. The method of claim 2, further comprising:

activating the banking service for the account based at least partially on a determination that the holder has enrolled in the banking service.

4. The method of claim 3, further comprising:

presenting a second identifier in the electronic banking environment after the activating the banking service, wherein the second identifier enables the holder to use the banking service.

5. The method of claim 1, wherein the identifier comprises an input feature that enables the holder to use the banking service.

6. The method of claim 1, further comprising:

activating the banking service for the account based at least partially on the determining that the account is eligible.

7. The method of claim 1, further comprising:

receiving second information associated with the account, wherein the receiving the second information occurs after the presenting the identifier;

determining, based at least partially on the second information, that the account is ineligible to participate in the banking service; and

deactivating the banking service for the account based at least partially on the determining that the account is ineligible.

8. The method of claim 1, further comprising:

receiving second information associated with the account, wherein the receiving the second information occurs after the presenting the identifier;

determining, based at least partially on the second information, that the account is ineligible to participate in the banking service; and

removing the identifier from the electronic banking environment based at least partially on the determining that the account is ineligible.

9. The method of claim 1, further comprising:

receiving second information associated with the account, wherein the receiving the second information occurs after the presenting the identifier;

determining, based at least partially on the second information, that the account is ineligible to participate in the banking service; and

presenting, in the electronic banking environment, a message that indicates that the banking service will be deactivated, wherein the presenting the message is based at least partially on the determining that the account is ineligible.

10. The method of claim 9, wherein the message comprises a recommendation for preventing deactivation of the banking service.

11. The method of claim 1, wherein the information associated with the account comprises information associated with the holder.

12. The method of claim 1, wherein the information associated with the account comprises a risk rating associated with the account.

13. The method of claim 1, further comprising:

determining that the holder has accessed the electronic banking environment, and

wherein the receiving the information is triggered by the determining that the holder has accessed the electronic banking environment.

14. The method of claim 1, further comprising:

determining that the holder has accessed the electronic banking environment, and

wherein the receiving the information, the determining that the account is eligible, and the presenting the identifier all occur within approximately two minutes of the determining that the holder has accessed the electronic banking environment.

15. The method of claim 1, further comprising:

determining that the holder has selected the identifier, and

wherein the receiving the information, the determining that the account is eligible, and activating the banking service for the account, based at least partially on the determining that the account is eligible, all occur within approximately two minutes of the determining that the holder has selected the identifier.

16. The method of claim 1, wherein the identifier comprises information indicating that the banking service has been activated for the account.

17. The method of claim 1, wherein the electronic banking environment comprises a mobile banking environment accessible to the holder via a mobile device, wherein the mobile banking environment is configured to output transaction information associated with the account to the holder, and wherein the mobile banking environment enables the holder to perform one or more transactions using the account.

18. The method of claim 1, wherein the electronic banking environment comprises a mobile banking environment accessible to the holder via a remote capture device, and wherein the banking service comprises a mobile deposit service that enables the holder to perform a deposit transaction involving the account and using the remote capture device.

19. An apparatus comprising:

a processor configured to;

receive information associated with an account;

determine, based at least partially on the information, that the account is eligible to participate in a banking service; and

present, in an electronic banking environment accessible to a holder of the account, an identifier associated with the banking service.

20. The apparatus of claim 19, wherein the processor is further configured to:

activate the banking service for the account based at least partially on a determination that the holder has enrolled in the banking service.

21. The apparatus of claim 20, wherein the processor is further configured to:

present a second identifier in the electronic banking environment after the processor activates the banking service, wherein the second identifier enables the holder to use the banking service.

22. The apparatus of claim 19, wherein the processor is further configured to:

activate the banking service for the account based at least partially on the processor determining that the account is eligible.

23. The apparatus of claim 19, wherein the processor is further configured to:

receive second information associated with the account;

determine, based at least partially on the second information, that the account is ineligible to participate in the banking service; and

deactivate the banking service for the account based at least partially on the processor determining that the account is ineligible.

24. The apparatus of claim 19, wherein the processor is further configured to:

receive second information associated with the account;

determine, based at least partially on the second information, that the account is ineligible to participate in the banking service; and

remove the identifier from the electronic banking environment based at least partially on the processor determining that the account is ineligible.

25. The apparatus of claim 19, wherein the processor is further configured to:

receive second information associated with the account;

determine, based at least partially on the second information, that the account is ineligible to participate in the banking service; and

present, in the electronic banking environment, a message that indicates that the banking service will be deactivated, wherein the processor presents the message based at least partially on the processor determining that the account is ineligible.

26. The apparatus of claim 19, wherein the processor is further configured to:

determine that the holder has accessed the electronic banking environment, and

wherein the processor is configured such that the processor determining that the holder has accessed the electronic banking environment triggers the processor to receive the information.

27. The apparatus of claim 19, wherein the processor is further configured to:

determine that the holder has accessed the electronic banking environment, and

wherein the processor is configured such that the processor receives the information, determines that the account is eligible, and presents the identifier all within approximately two minutes of the processor determining that the holder has accessed the electronic banking environment.

28. The apparatus of claim 19, wherein the processor is further configured to:

determine that the holder has selected the identifier, and

wherein the processor is configured such that the processor'"'"'s receiving the information, determining that the account is eligible, and activating the banking service for the account, based at least partially on the processor determining that the account is eligible, all occur within approximately two minutes of the processor determining that the holder has selected the identifier.

29. A computer program product comprising a non-transitory computer-readable medium, wherein the non-transitory computer-readable medium comprises one or more computer-executable program code portions that, when executed by a computer, cause the computer to:

receive information associated with an account;

determine, based at least partially on the information, that the account is eligible to participate in a banking service; and

present, in an electronic banking environment accessible to a holder of the account, an identifier associated with the banking service.

30. The computer program product of claim 29, wherein the one or more computer-executable program code portions, when executed by the computer, cause the computer to:

activate the banking service for the account based at least partially on a determination that the holder has enrolled in the banking service.

31. The computer program product of claim 30, wherein the one or more computer-executable program code portions, when executed by the computer, cause the computer to:

present a second identifier in the electronic banking environment after the computer activates the banking service, wherein the second identifier enables the holder to use the banking service.

32. The computer program product of claim 29, wherein the one or more computer-executable program code portions, when executed by the computer, cause the computer to:

activate the banking service for the account based at least partially on the computer determining that the account is eligible.

33. The computer program product of claim 29, wherein the one or more computer-executable program code portions, when executed by the computer, cause the computer to:

receive second information associated with the account;

determine, based at least partially on the second information, that the account is ineligible to participate in the banking service; and

deactivate the banking service for the account based at least partially on the computer determining that the account is ineligible.

34. The computer program product of claim 29, wherein the one or more computer-executable program code portions, when executed by the computer, cause the computer to:

receive second information associated with the account;

determine, based at least partially on the second information, that the account is ineligible to participate in the banking service; and

remove the identifier from the electronic banking environment based at least partially on the computer determining that the account is ineligible.

35. The computer program product of claim 29, wherein the one or more computer-executable program code portions, when executed by the computer, cause the computer to:

receive second information associated with the account;

determine, based at least partially on the second information, that the account is ineligible to participate in the banking service; and

present, in the electronic banking environment, a message that indicates that the banking service will be deactivated.

36. The computer program product of claim 29, wherein the one or more computer-executable program code portions, when executed by the computer, cause the computer to:

determine that the holder has accessed the electronic banking environment, and

wherein the computer determining that the holder has accessed the electronic banking environment triggers the computer to receive the information.

37. The computer program product of claim 29, wherein the one or more computer-executable program code portions, when executed by the computer, cause the computer to:

determine that the holder has accessed the electronic banking environment, and

wherein the computer receives the information, determines that the account is eligible, and presents the identifier all within approximately two minutes of the computer determining that the holder has accessed the electronic banking environment.

38. The computer program product of claim 29, wherein the one or more computer-executable program code portions, when executed by the computer, cause the computer to:

determine that the holder has selected the identifier, and

wherein the computer is configured such that the computer'"'"'s receiving the information, determining that the account is eligible, and activating the banking service for the account, based at least partially on the computer determining that the account is eligible, all occur within approximately two minutes of the computer determining that the holder has selected the identifier.

39. A method comprising:

receiving a risk rating associated with an account;

determining, using a processor and based at least partially on the risk rating, that the account is eligible to participate in a mobile deposit service; and

presenting, in a mobile banking environment accessible to a holder of the account, an identifier associated with the mobile deposit service, wherein the presenting is based at least partially on the determining that the account is eligible.

40. The method of claim 39, wherein the identifier comprises an input feature that enables the holder to enroll in the mobile deposit service.

41. The method of claim 40, further comprising:

activating the mobile deposit service for the account based at least partially on a determination that the holder has enrolled in the mobile deposit service.

42. The method of claim 41, further comprising:

presenting a second identifier in the mobile banking environment after the activating the mobile deposit service, wherein the second identifier enables the holder to use the mobile deposit service.

43. The method of claim 39, wherein the identifier comprises an input feature that enables the holder to use the mobile deposit service.

44. The method of claim 39, further comprising:

activating the mobile deposit service for the account based at least partially on the determining that the account is eligible.

45. The method of claim 39, further comprising:

receiving an updated risk rating associated with the account, wherein the receiving the updated risk rating occurs after the presenting the identifier;

determining, based at least partially on the updated risk rating, that the account is ineligible to participate in the mobile deposit service; and

deactivating the banking service for the account based at least partially on the determining that the account is ineligible.

46. The method of claim 39, further comprising:

receiving an updated risk rating associated with the account, wherein the receiving the updated risk rating occurs after the presenting the identifier;

determining, based at least partially on the updated risk rating, that the account is ineligible to participate in the mobile deposit service; and

removing the identifier from the electronic banking environment based at least partially on the determining that the account is ineligible.

47. The method of claim 39, further comprising:

determining the risk rating associated with the account based at least partially on a transaction history associated with the account.

48. The method of claim 39, wherein the determining that the account is eligible comprises determining that the risk rating associated with the account is less than a predetermined risk threshold for participating in the mobile deposit service.

49. The method of claim 39, further comprising:

determining that the holder has accessed the mobile banking environment, and

wherein the receiving the risk rating is triggered by the determining that the holder has accessed the electronic banking environment.

50. The method of claim 39, further comprising:

determining that the holder has accessed the electronic banking environment, and

wherein the receiving the risk rating, the determining that the account is eligible, and the presenting the identifier all occur within approximately two minutes of the determining that the holder has accessed the mobile banking environment.

51. The method of claim 39, further comprising:

determining that the holder has selected the identifier, and

wherein the receiving the risk rating, the determining that the account is eligible, and activating the mobile deposit service for the account based at least partially on the determining that the account is eligible all occur within approximately two minutes of the determining that the holder has selected the identifier.

52. The method of claim 39, wherein the mobile banking environment is accessible to the holder via a remote capture device, and wherein the mobile deposit service enables the holder to perform a deposit transaction involving the account and using the remote capture device.

53. A method comprising:

presenting, in an electronic banking environment accessible to a holder of an account, an identifier associated with a banking service;

determining that the holder has selected the identifier;

receiving, based at least partially on determining that the holder has selected the identifier, information associated with the account; and

determining, using a processor and based at least partially on the information, that the account is eligible to participate in the banking service.

54. The method of claim 53, further comprising:

activating the banking service for the account based at least partially on the determining that the account is eligible.