System and method for implementing a consolidated application process

• US 8,266,054 B2
• Filed: 01/19/2012
• Issued: 09/11/2012
• Est. Priority Date: 06/23/2000
• 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: Rosko, Robert J.
• Primary Examiner(s): FELTEN, DANIEL S
• Application Number:
  US13/353,589
• Publication Number:
  US 20120117202A1
• Time in Patent Office: 236 Days
• Field of Search: 705/38, 705/27.1, 705/26.81, 709/225
• US Class Current: 705/38
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: H04L 9/50 using hash chains, e.g. blockchains or hash trees

Abstract

A system and method for dynamically creating and presenting a network based application for any number of a plurality of products. The method and system upon receiving a request to apply for one or more of a plurality of products, dynamically creates an application pages that includes fields to input the specific information required to apply for the selected products. The application page is provided to the applicant through the network and the application data is received by the system. The method and system causes the application data to be processed and provides the results to the applicant. The applicant is provided the results of multiple specific applications in with minimal data input and in real time.

Claims

1. A computer-implemented system for obtaining application data from an applicant through a dynamically created network based application form in order to receive an application for multiple products or services offered by a single entity, the system comprising:

a dynamic application module utilized by a host server for receiving a request over a network from a customer computing system to apply for at least two of a plurality of products or services offered by the entity, the dynamic application module determining categories of information required for the at least two selected products or services, wherein specific categories of information are required to be submitted to apply for each one of the products or services, the dynamic application module dynamically creating an application requesting data corresponding to the information categories from the customer computing system required to apply for the at least two of a plurality of products or services available through the entity, and receiving the data requested over the network at the host server;

a universal session manager in communication with said dynamic application module, said universal session manager for creating a verification of the customer originating the request and determining if the customer is logged into the system;

a profile database in communication with said dynamic application module and universal session manager, said profile database for providing stored data regarding the customer originating the request, wherein the dynamic application module receives the stored data to fill application fields if the customer is logged into the system; and

a decision module utilized by the host server, the decision module in communication with said dynamic application module, said decision module for receiving the data, generating a decision regarding the application using a computer processor, and providing the decision to said dynamic application module.

2. The system of claim 1, wherein the dynamic creation includes

determining, utilizing the dynamic application module, each category of information required for each requested product or service;

locating, using the dynamic application module, at least one file corresponding to each category of information, and

combining the located files using the dynamic application module to create the application page in response to the request, such that a field for each located file is included in the application page only once, thus avoiding duplicative requests for information to the customer.

3. The system according to claim 1, wherein said dynamic application module, said universal session manager and said database reside on said host server.

4. The system according to claim 1, wherein said dynamic application module provides the application page over the network to the originator of the request.

5. The system of claim 1, wherein the request is in the form of parameters received within a uniform resource locator and the dynamic application module is configured for parsing the uniform resource locator to identify the at least two of a plurality of products or services.

6. The system of claim 1, wherein the dynamic application module is further configured to determine whether the request to apply originates from a customer logged in to the universal session manager and for accessing stored data regarding the customer from an e-profile database if the customer is logged in.

7. The system of claim 6, wherein the dynamic application module is further configured for inserting the stored data to complete fields of the application page displayed over the network.

8. The system of claim 7, wherein the host server receives information over the network from the customer computing system corresponding to each uncompleted field contained in the application page.

9. The system of claim 1, wherein the dynamic application module is further configured for validating the information input by comparing the information input to validation criteria and when the information input fails to correctly compare to the validation criteria, for assembling a second application page including prompts to reenter information.

10. The system of claim 1, wherein the plurality of products or services includes banking products or services and the specific information required to apply for one of the plurality of products or services includes information regarding an amount of credit to be extended.

11. The system of claim 10, wherein the dynamic application module is further configured for forwarding the information input to the decision module for processing the information input to determine if data input justifies extension of credit.

12. The system of claim 1, wherein the dynamic application module is further configured for creating the application page in response to the request, such that fields for each located file are included in the application page only once, thus avoiding duplicative requests for information to the customer and for receiving information over the network at the host server from the customer computing system corresponding to each uncompleted field contained in the application page.