Providing Loan Services in the Event of a Total Loss Claim
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Accused Products
Abstract
A computer-based method for automatically providing a loan offer to a customer may include: receiving an indication of a total loss event for the customer'"'"'s property, collecting prequalification data for the customer from a data source comprising customer-specific data, collecting credit data associated with the customer'"'"'s credit, determining whether to prequalify the customer for a property replacement loan based at least on (a) the collected prequalification data for the customer and (b) the collected credit data associated with the customer'"'"'s credit, and in response to a determination to prequalify the customer for a property replacement loan, communicating to the customer an offer for the property replacement loan.
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Citations
32 Claims
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1-20. -20. (canceled)
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21. A computer-based method for automatically providing a loan offer to a customer, the computer-based method comprising:
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receiving at a computer an indication of a total loss event for the customer'"'"'s property; the computer collecting prequalification data for the customer from a data source comprising customer-specific data; the computer collecting credit data associated with the customer'"'"'s credit; the computer determining whether to prequalify the customer for a property replacement loan based at least on (a) the collected prequalification data for the customer and (b) the collected credit data associated with the customer'"'"'s credit; and in response to a determination to prequalify the customer for a property replacement loan, the computer communicating to the customer an offer for the property replacement loan. - View Dependent Claims (22, 23, 24, 25, 26)
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27. A computer-based system for automatically providing a loan offer to a customer, the system comprising:
a total loss claim loan offer module comprising computer instructions stored in non-transitory computer-readably media a executable by a processor to; receive an indication of a total loss event for the customer'"'"'s property; collect prequalification data for the customer from a data source comprising customer-specific data; collect credit data associated with the customer'"'"'s credit; determine whether to prequalify the customer for a property replacement loan based at least on (a) the collected prequalification data for the customer and (b) the collected credit data associated with the customer'"'"'s credit; and in response to determining to prequalify the customer for a property replacement loan, communicate to the customer an offer for the property replacement loan. - View Dependent Claims (28, 29, 30, 31, 32)
Specification