System and method for determining eligibility and enrolling members in various programs
First Claim
1. A computer implemented method for enrolling an individual, who has an obligation to a financial institution, in a program wherein at least some financial status information relating to the individual is known, comprising:
- providing by at least one processor a list of payment programs to a user;
receiving, from the user, a selection of a payment program suitable to the individual'"'"'s financial circumstances from the list of payment programs;
determining by the at least one processor whether the individual is eligible to enroll in the selected payment program by performing an evaluation with a processor based at least in part upon the at least some financial status information relating to the individual;
providing information on the selected payment program to the user based on determining whether the individual is eligible to enroll in the selected payment program;
receiving enrollment information for the selected first program from the user;
determining whether the enrollment information meets a set of predetermined criteria for enrolling the individual in the selected payment program by performing an evaluation with a processor on at least part of the enrollment information; and
enrolling the individual in the selected payment program when the enrollment information meets the set of predetermined criteria and the individual accepts enrollment in the selected payment program.
3 Assignments
0 Petitions
Accused Products
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.
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Citations
16 Claims
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1. A computer implemented method for enrolling an individual, who has an obligation to a financial institution, in a program wherein at least some financial status information relating to the individual is known, comprising:
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providing by at least one processor a list of payment programs to a user; receiving, from the user, a selection of a payment program suitable to the individual'"'"'s financial circumstances from the list of payment programs; determining by the at least one processor whether the individual is eligible to enroll in the selected payment program by performing an evaluation with a processor based at least in part upon the at least some financial status information relating to the individual; providing information on the selected payment program to the user based on determining whether the individual is eligible to enroll in the selected payment program; receiving enrollment information for the selected first program from the user; determining whether the enrollment information meets a set of predetermined criteria for enrolling the individual in the selected payment program by performing an evaluation with a processor on at least part of the enrollment information; and enrolling the individual in the selected payment program when the enrollment information meets the set of predetermined criteria and the individual accepts enrollment in the selected payment program. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A system for enrolling individuals who have obligations to a financial institution in payment programs comprising:
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an input device; an output device; a database containing information about the individuals who have obligation to the financial institution; at least one processor operatively associated with the input device, the output device and the database, the at least one processor programmed to perform; a program list function wherein the processor outputs a list of programs to the output device; a program description function wherein the processor receives a selection of a program from input through the input device and outputs a description of the selected program to the output device; a validation and verification function wherein the processor receives enrollment information corresponding to the selected program input through the input device, determines whether the enrollment information is sufficient to enroll the individual in the selected program, and outputs the results of the determination to the output device, and an enrollment completion function wherein the processor receives an enrollment decision input through the input device and records the enrollment decision in the database. - View Dependent Claims (13, 14, 15, 16)
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Specification