Method and system for loan application non-acceptance follow-up
First Claim
1. A method of post offer borrower query for an on-line lending system, the method comprising the steps of:
- receiving an electronic loan application over a network from a client terminal, the electronic loan application comprising applicant credential data;
presenting electronically, over the network, on the client terminal, at least one loan offer;
waiting at least a predetermined time for an electronic signal from the client terminal comprising an acceptance indication of the at least one loan offer;
upon failing to receive the electronic signal from the client terminal within the at least a predetermined time, electronically transmitting the at least one loan offer and the applicant credential data to a call center terminal; and
generating electronically a prompt on the call center terminal for a customer service representative to initiate communication with a prospective borrower.
4 Assignments
0 Petitions
Accused Products
Abstract
Methods and systems for facilitating post offer communication with a prospective borrower using an on-line lending system (110) are provided. The post offer communication is in response to non-acceptance of an electronic loan offer. The on-line lending system receives an electronic loan application (100) from client terminal (101). The electronic loan application (100) contains applicant credential data, such as personal information (202) and financial information (302). When a loan offer (500) is presented on the client terminal (101), the on-line lending system (110) waits a predetermined time for an electronic signal indicating acceptance of the loan offer (500). When such electronic signal is not received within the predetermined time, a pending loan offer application (800) is transmitted to a call center terminal (1414). Upon receipt of the pending loan offer application (800), the call center terminal (1414) presents an electronically generated prompt (1415) for electronically generated prompt (1415) a customer service representative to initiate communication with the prospective borrower.
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Citations
20 Claims
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1. A method of post offer borrower query for an on-line lending system, the method comprising the steps of:
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receiving an electronic loan application over a network from a client terminal, the electronic loan application comprising applicant credential data; presenting electronically, over the network, on the client terminal, at least one loan offer; waiting at least a predetermined time for an electronic signal from the client terminal comprising an acceptance indication of the at least one loan offer; upon failing to receive the electronic signal from the client terminal within the at least a predetermined time, electronically transmitting the at least one loan offer and the applicant credential data to a call center terminal; and generating electronically a prompt on the call center terminal for a customer service representative to initiate communication with a prospective borrower. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. An on-line lending system for post offer borrower query, the on-line lending system, comprising:
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a loan application collection module, configured to receive an electronic loan application over a network from a client terminal, the electronic loan application comprising applicant credential data; a loan offering module, configured to present at least one loan offer to the client terminal over the network; and a loan response module, configured to wait at least a predetermined time for an electronic signal from the client terminal indicating acceptance of the at least one loan offer; a call center terminal, configured to electronically generate a prompt for a customer service representative to initiate communication with a prospective borrower upon receiving the at least one loan offer and the applicant credential data from the loan response module, the loan response module transmitting the at least one loan offer and the applicant credential data upon failing to receive the electronic signal. - View Dependent Claims (15, 16, 17, 18, 19, 20)
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Specification