System and Method for Generating Graphical User Interface

• US 20130179332A1
• Filed: 03/01/2013
• Published: 07/11/2013
• Est. Priority Date: 02/15/2000
• Status: Active Grant

• 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: Allen, Brian J., Buroker, Bruce A., Flood, John P., Gentz, Scott A., Lidman, Gina M., Teichman, William J.
• Granted Patent: US 9,710,851 B2
• Time in Patent Office: Days
• US Class Current: 705/38
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• 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: G06V 10/22 by selection of a specific region containing or referencing a pattern; Locating or processing of specific regions to guide the detection or recognition
• CPC Class Codes: H04N 1/00209 Transmitting or receiving image data, e.g. facsimile data, via a computer, e.g. using e-mail, a computer network, the internet, I-fax
• CPC Class Codes: H04N 2201/0089 Image display device

Abstract

An automated method for generating Graphical User Interfaces (GUI'"'"'s) is illustrated in the context of a system for processing financial applications. In one embodiment, the GUI generator converts domain data representing over one thousand application types into an equal number of corresponding user screens. The interface may also be bi-directional, operating on user inputs to validate data or check for double keying.

Claims

1-13. -13. (canceled)

14. A computer-implemented method for processing applicant input information, the method implementing an application processing system for use in creating and processing an application for one or more selected financial services products, the method comprising:

accepting, over one of multiple distinct input channels, applicant input information through an input interface;

generating a graphical user interface using a GUI generator for mediation between the applicant and the application processing system;

implementing computer processing components to perform steps including;

identifying the input channel and collecting the applicant input information;

performing a double key check on the applicant input information;

automatically selecting one or more decision engines based on the applicant input information and the one or more selected financial services products;

selecting a required format corresponding to the selected decision engine from a plurality of available formats stored in a library of decision engine proxies;

converting the applicant input information into application data according to the corresponding required format;

communicating with one or more servers of one or more credit bureaus;

routing the application data to the one or more selected decision engines to process the application data; and

receiving the decision from the one or more selected decision engines.

28. The system of claim 14, wherein the mobile computing device utilizes a wireless internet connection.

23. A computer-implemented system for use in creating and processing an application for one or more selected financial services products, the system comprising:

an input interface for accepting applicant input information in one of multiple available input formats through one of multiple distinct input channels;

application processing components implementing a computer processor programmed to perform steps including;

identifying the input channel and collecting the applicant input information;

performing a double key check on the applicant input information;

automatically selecting one or more decision engines based on the applicant input information and the one or more selected financial services products;

selecting a required format corresponding to the selected decision engine from a plurality of available formats stored in a library of decision engine proxies;

converting the applicant input information into application data according to the corresponding required format;

communicating with one or more servers of one or more credit bureaus;

routing the application data to the one or more selected decision engines to process the application data; and

a graphical user interface generator for mediation between the applicant and application processing components.

32. A computer-implemented system for use in creating and processing an application for one or more selected financial services products, the system comprising:

an input interface for accepting applicant input information from a mobile computing device in one of multiple available input formats through one of multiple distinct input channels;

application processing components implementing a computer processor programmed to perform steps including;

identifying the input channel and collecting the applicant input information;

selecting real time processing for interactive input formats;

performing a double key check on the applicant input information by clearing at least some entered applicant input information from the graphical user interface and requiring the applicant to reenter the at least some cleared applicant input information;

automatically selecting one or more decision engines based on the applicant input information and the one or more selected financial services products;

selecting a required format corresponding to the selected decision engine from a plurality of available formats stored in a library of decision engine proxies;

converting the applicant input information into application data according to the corresponding required format;

communicating with one or more servers of one or more credit bureaus and obtaining an applicant'"'"'s historical credit information;

routing the application data and the applicant'"'"'s historical credit information to the one or more selected decision engines to process the application data; and

a graphical user interface generator for mediation between the applicant and application processing components.