System and method for implementing a consolidated application process

• US 7,831,508 B1
• Filed: 06/23/2000
• Issued: 11/09/2010
• Est. Priority Date: 06/23/2000
• Status: Active Grant

• Current Assignee: 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:
  US09/599,602
• Time in Patent Office: 3,791 Days
• Field of Search: 757/201, 709/225, 705/38, 705/27, 705/26, 705/10
• 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 method for dynamically creating a network based application form in order to receive an application for multiple products offered by a single entity, the method comprising the steps of:

receiving a request from a customer computing system to apply for a plurality of products offered by the entity, the request received over a network at a host server, wherein specific categories of information are required to be submitted to apply for each one of the plurality of products available through the entity;

dynamically assembling, using a dynamic application module implemented by a computer processor at the host server, in response to the request, an application page for display over the network, the assembly including,

determining, using the dynamic application module, each category of information required for each requested product,

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

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

receiving information over the network at the host server from the customer computing system corresponding to each field contained in the application page.

2. The method of claim 1, further including the steps of:

validating, using the dynamic application module, the information input by comparing the information input to validation criteria; and

when the information input fails to correctly compare to the validation criteria, assembling, using the dynamic application module, a second application page including prompts to reenter information and receiving correction information input.

3. The method of claim 1, further including the step of forwarding, using the dynamic application module, the information input to a decision module for processing the information input.

4. The method of claim 1, further including the steps of:

determining, using the dynamic application module, whether the request to apply originates from a customer that is logged in to a session manager;

accessing stored data regarding the customer from an e-profile database if the customer is logged in, wherein the step of assembling an application page includes inserting the stored data in the application page displayed over the network.

5. The method of claim 1 wherein the plurality of products includes banking products and the specific information required to apply for one of the plurality of products includes information regarding an amount of credit to be extended.

6. The method of claim 5 further including the step of forwarding the information input, using the dynamic application module, to a decision module for processing the information input to determine if data input justifies extension of credit.

7. The method of claim 1 wherein the request is in the form of parameters received within a universal resource locator.

8. 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 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 offered by the entity, the dynamic application module determining categories of information required for the at least two selected products, wherein specific categories of information are required to be submitted to apply for each one of the products, 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 available through the entity, the dynamic creation including,

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

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

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

and receiving the data requested over the network at the host server; 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.

9. The system according to claim 8 further comprising:

a universal session manager in communication with said dynamic application module, said universal session manager for creating a verification of an originator of the request; and

a profile database in communication with said dynamic application module, said profile database for providing stored data regarding the originator of the request.

10. The system according to claim 9 wherein said dynamic application module, said universal session manager and said database reside on said host server.

11. The system according to claim 8 wherein said dynamic application module provides the application page over the network to the originator of the request.

12. The system according to claim 8 further including a processing database in communication with said dynamic application module, said processing database for receiving data regarding use of said dynamic application module.

13. A computer-implemented method for dynamically creating a network based application form in order to receive an application for multiple products offered by a single entity, the method comprising the steps of:

receiving, over a network at a host server, a request to apply for at least one of a plurality of products in the form of a uniform resource locator, wherein specific categories of information are required to be submitted to apply for each one of the plurality of products;

parsing the uniform resource locator to identify the at least one of a plurality of products;

dynamically assembling an application page using a dynamic application module implemented by a processor at the host server for display over the network, the assembly including,

determining, using the dynamic application module, each category of information required for each requested product,

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

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

receiving, over the network at the host server, information input corresponding to each field contained in the application page.

14. The method of claim 13, further including the steps of:

validating, using the dynamic application module, the information input by comparing the information input to validation criteria; and

when the information input fails to correctly compare to the validation criteria, assembling, using the dynamic application module, a second application page including prompts to reenter information and receiving correction information input.

15. The method of claim 13, further including the step of forwarding, using the dynamic application module, the information input to a decision module for processing the information input.

16. The method of claim 13, further including the steps of:

determining, using the dynamic application module, whether the request to apply originates from a customer that is logged in to a session manager;

accessing stored data regarding the customer from an e-profile database if the customer is logged in, wherein the step of assembling an application page includes inserting the stored data in the application page displayed over the network.

17. The method of claim 13 wherein the plurality of products includes banking products and the specific information required to apply for one of the plurality of products includes information regarding an amount of credit to be extended.

18. The method of claim 17 further including the step of forwarding the information input, using the dynamic application module, to a decision module for processing the information input to determine if data input justifies extension of credit.