DIFFERENTIAL DELIVERY OF LOAN APPLICATION CONTENT TO APPLICANTS ON MOBILE DEVICES, AND OTHER DIFFERENTIAL CONTENT DELIVERY

• US 20170124644A1
• Filed: 11/04/2016
• Published: 05/04/2017
• Est. Priority Date: 11/04/2015
• Status: Abandoned Application

• Current Assignee: EFT Network, Inc.
• Original Assignee: EFT Network, Inc.
• Inventors: Davis, Steven
• Application Number:
  US15/343,764
• Publication Number:
  US 20170124644A1
• Time in Patent Office: Days
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: H04W 4/02 Services making use of location information

Abstract

Differential state-specific content delivery depending on user actual geographic location by state within the United States is provided. Some uses for the technology include consumer loan application-processing systems, consumer leasing application-processing systems, and insurance claims-processing systems.

Claims

1. A system comprising:

a computer system comprising a server system and configured to receive incoming data files from mobile telephone devices and further configured to receive GPS location data from mobile telephone devices;

a library of state-specific content stored in compartmentalized manner by state for a plurality of states S1 . . . Sn;

a plurality of mobile telephone devices M1 . . . Mn each capable of transmitting GPS location;

and wherein the computer system performs steps comprising;

receiving an incoming communication from a mobile telephone device while receiving GPS location data from the mobile telephone device;

shielding the mobile telephone device that has communicated with the computer system from being sent, in an outgoing communication by the computer system back to the mobile telephone device, any content from the library other than state-specific content from a compartment for the exact state that is the state housing the GPS coordinates of the GPS location data received from the mobile phone device.

2. The system of claim 1, wherein the state-specific content is content useable for a lease to be requested.

3. The system of claim 2, wherein the lease is selected from the group consisting of a vehicle lease;

a lease of a TV.

4. The system of claim 1, wherein the state-specific content is content useable for a loan to be requested.

5. The system of claim 4, wherein the loan is selected from the group consisting of a vehicle loan;

an unsecured loan;

a payday loan;

a mortgage loan.

6. A method of differential content delivery depending on user actual geographic location in the United States, comprising:

receiving a GPS location from a telephone device, wherein the GPS-location receiving step is performed by a first computer system;

maintaining, performed by the first computer system, in compartmentalized state-by-state manner, a series of content S1 . . . Sn, wherein the content S1 is rated as permissible to deliver to users located in State1, and content Sn is rated as permissible to deliver to users located in State “

n”

;

electronically delivering state-specific content to the telephone device, wherein the electronically delivering step is performed by the first computer system.

7. The method of claim 6, wherein in the GPS-location receiving step, the first computer system is located at a remote location relative to the telephone device, and the method further comprises:

based on the received GPS location, in real-time with the GPS-location receiving step, determining a state where the telephone device is physically located, wherein the determining step is performed by the first computer system;

storing, performed by the first computer system, a table having a plurality of entries, each entry comprising a state name or a state identifier of a state;

maintaining, performed by the first computer system, for a state in the table, a linked state-specific content associated with the state, wherein the content is rated as permissible to deliver to users located in the state;

within about seconds after the determining step has been performed and the state has been determined, performing the step of delivering state-specific content to the telephone device.

8. The method of claim 7, wherein the table comprises in a range of 2 to 51 entries, and wherein each entry of the entries is for a different state.

9. The method of claim 7, further comprising, after the delivering step, transmitting application data as entered by the user from the telephone device to a server of a lending company, without the user-entered application data reaching the first computer system.

10. The method of claim 7, wherein the delivered content comprises (1) instructions to the user to download an application, and (2) a code to be entered by the user.

11. The method of claim 9, wherein the application data comprises at least one selected from the group consisting of paperwork signed by the user;

a photograph of a driver'"'"'s license of the user;

a photograph of a physical signature of the user;

a photograph of the user.

12. The method of claim 7, wherein the state-specific content that is delivered to the user'"'"'s telephone device comprises a code that, when entered by the user into a downloaded application, connects to state-specific content specific to applicants in the state where the telephone device is then physically located.

13. The method of claim 7, further comprising:

receiving, performed by the first computer system, from the telephone device a number of a bank account that has been entered by the user into the telephone device;

delivering, performed by the first computer system, to the telephone device a screen seeking a fingertip signature of the user;

receiving, performed by the first computer system, the fingertip signature of the consumer;

after the fingertip signature of the consumer has been received by the first computer system, producing an image of a signed consumer check, wherein the image-producing is performed by the first computer system.

14. The method of claim 13, further comprising transmitting the image of the signed consumer check to a server of the loan or lease application company.

15. The method of claim 14, wherein the transmitting of the signed consumer check image is performed by the user'"'"'s telephone device and without the signed consumer check image being stored by the first computer system.

16. The method of claim 7, comprising a step of capturing, at 200 dots per image (dpi) in black and white, a check image.

17. The method of claim 15, comprising a step of displaying the captured check image, and automatically cropping content external to a predefined set of edges.