System and method for implementing a consolidated application process

• US 9,734,484 B2
• Filed: 08/16/2012
• Issued: 08/15/2017
• Est. Priority Date: 06/23/2000
• Status: Expired due to Fees

• 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:
  US13/587,099
• Publication Number:
  US 20120323761A1
• Time in Patent Office: 1,825 Days
• Field of Search: 705 27, 705 26, 705 44, 705 271, 705 35, 705 38, 707104
• 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 dynamically creating a network based application form and receiving an application including multiple products or services offered by a single entity, the system including:

a memory storing instructions;

a host server having at least one computer processor accessing the memory and executing the stored instructions, thereby performing steps including;

receiving a request from a customer computing system applying for at least two of a plurality of products or services offered by the entity, wherein the request is in the form of parameters received within a universal resource locator, the request received over a network at the host server, wherein specific categories of information are required to be submitted to apply for each one of the plurality of products or services available through the entity;

dynamically assembling, using a dynamic application module, in response to the request, an application page and displaying the application page over the network, the assembly including;

determining the categories of information required to apply for the plurality of products, wherein determining the categories of information includes identifying categories of generic information common to all products and identifying remaining categories of specific information required to apply for the requested products;

locating a file corresponding to each category of information identified from a plurality of files;

combining the located files, using the dynamic application module, thereby 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;

determining, using the dynamic application module, whether the customer is logged in to a session manager, accessing stored data regarding the customer from an e-profile database when the customer is logged in and inserting the stored data, thereby completing fields of the application page displayed over the network; and

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

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

4. 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.

5. The system of claim 4, further including the step of forwarding the information input, using the dynamic application module, to a decision module processing the information input to determine when data input justifies extension of credit.

6. A computer-implemented system dynamically creating a network based application form in order to receive an application including multiple products or services offered by a single entity, the system including:

a memory storing instructions;

a host server having at least one computer processor accessing the memory and executing the stored instructions, thereby performing steps including;

receiving, over a network at the host server, a request to apply for at least two of a plurality of products or services 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 or services;

parsing the uniform resource locator thereby identifying the at least one of a plurality of products or services;

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

determining the categories of information required to apply for the plurality of products, wherein determining the categories of information includes identifying categories of generic information common to all products and identifying remaining categories of specific information required to apply for the requested products;

locating a file corresponding to each category of information from a plurality of files;

combining the located files, thereby creating the application page;

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 when 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; and

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

7. The system of claim 6, wherein the assembly includes:

combining the located files using the dynamic application module, thereby creating 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.

8. The system of claim 6, 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.

9. The system of claim 6, further including the step of forwarding, using the dynamic application module, the information input to a decision module processing the information input.

10. The system of claim 6, 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 include information regarding an amount of credit to be extended.

11. The system of claim 6, further including the step of forwarding the information input, using the dynamic application module, to a decision module processing the information input to determine when data input justifies extension of credit.