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US 10,949,921 B1Granted
Rate and payment guide
AssigneeWells Fargo Bank, N.A.
InventorsChristina A. Trayers, Stuart Rehfuss, Julie A. Lane, Sue Murphy, Rodney E. O'Neal, Ashwin Pinto
Life of this patent
Estimating the term…
Abstract
A system for generating rate and payment information for a customer receives an inquiry type from a customer relating to a loan or mortgage. The system also receives a value specific to the potential loan or mortgage. In combination with a product and policy database and a pricing/fee database, relevant financial products are determined and provided to the customer. The inquiry type can include buying a property, refinancing a mortgage, improving a property, and/or using funds from a property.
Claims9
A computer-implemented method for selecting one or more financial products, the method comprising:
- receiving a property loan inquiry from a customer computing device of a customer, the property loan inquiry being of a category selected from:
- refinancing a mortgage, including pay off a mortgage sooner, reduce a current interest rate, lower a monthly payment, and convert to a fixed rate;
- improving a property, including repair a property and renovate a property;
- and
- using funds from a property, including finance a major purchase and finance everyday purchases;
- presenting a loan interface for display at the customer computing device, the loan interface having a plurality of data fields relating to the property loan inquiry;
- presenting a financial accounts interface for display at the customer computing device, the financial accounts interface including a display of a plurality of financial accounts associated with the customer;
- receiving, from the customer computing device, a selection of a financial account of the plurality of financial accounts;
- responsive to receiving the selection of the financial account, automatically populating the plurality of data fields of the loan interface with data corresponding to the selected financial account, wherein the data includes:
- a property value, a location including a state and a county, and a current monthly payment;
- responsive to receiving the customer selection of the financial account and receiving the property loan inquiry of the category, determining a plurality of financial products available to the customer using data in the plurality of data fields, wherein the plurality of financial products reflect current pricing information from a pricing database;
- providing the determined plurality of financial products to the customer using a products interface presented for display at the customer computing device;
- after providing the plurality of financial products to the customer, receiving a selection of at least two financial products of the plurality of financial products from the customer via the products interface;
- and
- presenting a comparison interface for display at the customer computing device, the comparison interface including a graphical representation comparing the customer-selected at least two financial products.
12 more elements
An electronic computing device comprising:
- a processing unit;
- and
- system memory, the system memory including instructions that, when executed by the processing unit, cause the electronic computing device to:
- receive a property loan inquiry from a customer computing device of a customer, the property loan inquiry being of a category selected from:
- refinancing a mortgage, including pay off a mortgage sooner, reduce a current interest rate, lower a monthly payment, and convert to a fixed rate;
- improving a property, including repair a property and renovate a property;
- and
- using funds from a property, including finance a major purchase and finance everyday purchases;
- present a loan interface for display at the customer computing device, the loan interface having a plurality of data fields relating to the property loan inquiry;
- present a financial accounts interface for display at the customer computing device, the financial accounts interface including a display of a plurality of financial accounts associated with the customer;
- receive, from the customer computing device, a selection of a financial account of the plurality of financial accounts;
- responsive to receiving the selection of the financial account, automatically populate the plurality of data fields of the loan interface with data corresponding to the selected financial account, wherein the data includes:
- a property value, a location including a state and a county, and a current monthly payment;
- responsive to receiving the customer selection of the financial account and receiving the property loan inquiry of the category, determine a plurality of financial products available to the customer using data in the plurality of data fields, wherein the plurality of financial products reflect current pricing information from a pricing database;
- provide the determined plurality of financial products to the customer using a products interface presented for display at the customer computing device;
- after providing the plurality of financial products to the customer, receive a selection of at least two financial products of the plurality of financial products from the customer via the products interface;
- and
- present a comparison interface for display at the customer computing device, the comparison interface including a graphical representation comparing the customer-selected at least two financial products.
15 more elements
A non-transitory computer-readable medium encoding instructions that, when executed by one or more processing units, cause the one or more processing units to:
- receive a property loan inquiry from a customer computing device of a customer, the property loan inquiry being of a category selected from:
- refinancing a mortgage, including pay off a mortgage sooner, reduce a current interest rate, lower a monthly payment, and convert to a fixed rate;
- improving a property, including repair a property and renovate a property;
- and
- using funds from a property, including finance a major purchase and finance everyday purchases;
- present a loan interface for display at the customer computing device, the loan interface having a plurality of data fields relating to the property loan inquiry;
- present a financial accounts interface for display at the customer computing device, the financial accounts interface including a display of a plurality of financial accounts associated with the customer;
- receive, from the customer computing device, a selection of a financial account of the plurality of financial accounts;
- responsive to receiving the selection of the financial account, automatically populate the plurality of data fields of the loan interface with data corresponding to the selected financial account, wherein the data includes:
- a property value, a location including a state and a county, and a current monthly payment;
- responsive to receiving the customer selection of the financial account and receiving the selected loan inquiry of the category, determine a plurality of financial products available to the customer using data in the plurality of data fields, wherein the plurality of financial products reflect current pricing information from a pricing database;
- provide the determined plurality of financial products to the customer using a products interface presented for display at the customer computing device;
- after providing the plurality of financial products to the customer, receive a selection of at least two financial products of the plurality of financial products from the customer via the products interface;
- and
- present a comparison interface for display at the customer computing device, the comparison interface including a graphical representation comparing the customer-selected at least two financial products.
12 more elements
Dependencies are inferred from the claim text.