System and method for determining elegibility and enrolling members in various programs

• US 7,962,391 B2
• Filed: 11/14/2008
• Issued: 06/14/2011
• Est. Priority Date: 12/20/2000
• Status: Expired due to Term

• 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: Forst, Jon K., Woodall, Nancy W., Simon, Scott Howard, Nikithser, Michael F., Shields, Gregory
• Primary Examiner(s): Subramanian; Narayanswamy
• Application Number:
  US12/271,180
• Publication Number:
  US 20090070247A1
• Time in Patent Office: 942 Days
• Field of Search: 705 35- 38
• 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. A system for enrolling an individual who has a financial obligation to a third party in a payment program comprising:

at least one processor;

at least one computer having a display operatively connected to the at least one processor and an input device operatively connected to the at least one processor, wherein the at least one computer comprises a first computer that communicates with a second computer through an information sharing network;

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

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;

the graphical user interface further providing an interface for displaying a description of the listed payment programs on the display and for receiving enrollment information regarding a payment program and enrolling the individual in a payment program based at least in part on the enrollment information.

2. The system of claim 1, wherein the description of the payment programs displayed by the interface comprises a payment date, a payment amount, and an interest rate.

3. The system of claim 1, wherein the at least one processor is programmed to determine whether the individual is eligible to enroll in a payment program based at least in part upon financial status information of the individual provided by the at least one processor.

4. The system of claim 3, wherein the financial status information comprises account information of the individual.

5. The system of claim 4, wherein the account comprises a credit card account.

6. The system of claim 1, wherein the list of payment programs comprises a plurality of payment programs in which the individual is eligible to enroll.

7. The system of claim 1, wherein the one or more payment programs comprise payment programs for payment of past due accounts.

8. The system of claim 1, wherein the at least one processor is programmed to determine whether the payment programs are declined or accepted by the individual.

9. The system of claim 1, wherein the interface comprises an application form which includes enrollment information fields.