Automated assistance program qualification and enrollment

A method for providing automated assistance program qualification and enrollment, comprising:

• using a questionnaire generator as part of:
• receiving a request for a determination of a user's qualification for an assistance program for receiving assistance in association with an ongoing transaction record;
• evaluating assistance program rules and a service provider policy corresponding to the ongoing transaction record for determining qualification data that are evaluated as part of determining the user's qualification for one or more assistance programs;
• retrieving user data that include information about the user collected by one or more service providers, wherein:
• the one or more service providers include the service provider corresponding to the ongoing transaction record;
• and
• the user data include qualification data for the one or more assistance programs;
• retrieving financial data about the user from a third-party data source, wherein the financial data include qualification data for the one or more assistance programs;
• determining which qualification data are not included in the retrieved user data and financial data;
• generating a questionnaire comprising one or more questions, wherein the one or more questions correlate with the qualification data not included in the retrieved user data and financial data;
• and
• transmitting the questionnaire to a self-service portal configured to:
• generate a user interface for display to the user, wherein the user interface includes the questionnaire;
• receive user responses to the questionnaire via the user interface;
• and
• transmit the user responses to a screening engine;
• using a screening engine as part of:
• receiving the user responses;
• evaluating the user responses, user data, and financial data for determining whether the user responses, user data, and financial data satisfy qualification criteria for an assistance program of the one or more assistance programs;
• and
• when the qualification criteria for a first assistance program are satisfied:
• determining a discounted obligation amount for the ongoing transaction record based on the first assistance program;
• including, in a response, an indication that the user is qualified to receive assistance provided by the first assistance program and the discounted obligation amount;
• and
• transmitting the response to the self-service portal for display to the user in the user interface;
• using an enrollment engine as part of:
• receiving, via the self-service portal, a user request to enroll in the first assistance program;
• and
• enrolling the user in the first assistance program;
• and
• after enrolling the user in the first assistance program, via the screening engine:
• identifying a second assistance program of the one or more assistance programs based at least in part on the user request to enroll in the first assistance program and the assistance program rules;
• determining that an enrollment of the user in the second assistance program conflicts with the enrollment of the user in the first assistance program;
• and
• disabling input controls in the self-service portal for the user for selecting and enrolling in the second assistance program.

A computer readable storage device including computer readable instructions, which when executed by a processing unit are configured to:

• provide a questionnaire generator, the questionnaire generator configured to:
• receive a request for a determination of a user's qualification for an assistance program for receiving assistance in association with one or more ongoing transaction records;
• evaluate assistance program rules and a service provider policy corresponding to each of the one or more ongoing transaction records for determining qualification data that are evaluated as part of determining the user's qualification for one or more assistance programs;
• retrieve user data that include information about the user collected by one or more service providers, wherein:
• the one or more service providers include the service providers corresponding to the one or more ongoing transaction records;
• and
• the user data include qualification data for the one or more assistance programs;
• retrieve financial data about the user from a third-party data source, wherein the financial data include qualification data for the one or more assistance programs;
• determine which qualification data are not included in the retrieved user data and financial data;
• generate a questionnaire comprising one or more questions, wherein the one or more questions correlate with the qualification data not included in the retrieved user data and financial data;
• and
• transmit the questionnaire to a self-service portal configured to:
• generate a user interface for display to the user, wherein the user interface includes the questionnaire;
• receive user responses to the questionnaire via the user interface;
• and
• transmit the user responses to a screening engine;
• provide a screening engine, the screening engine configured to:
• receive the user responses;
• evaluate the user responses, user data, and financial data for determining whether the user responses, user data, and financial data satisfy qualification criteria for an assistance program of the one or more assistance programs;
• after the qualification criteria for a first assistance program is satisfied:
• determine a discounted obligation amount for the ongoing transaction record based on the first assistance program;
• include, in a response, an indication that the user is qualified to receive assistance provided by the first assistance program and the discounted obligation amount;
• and
• transmit the response to the self-service portal for display to the user in the user interface;
• and
• provide an enrollment engine, the enrollment engine configured to:
• receive, via the self-service portal, a user request to enroll in the first assistance program;
• and
• enroll the user in the first assistance program,
• identify, via the screening engine, a second assistance program of the one or more assistance programs based at least in part on the user request to enroll in the first assistance program and the assistance program rules;
• determine, via the screening engine, that an enrollment of the user in the second assistance program conflicts with the enrollment of the user in the first assistance program;
• and
• disable, via the screening engine, input controls in the self-service portal for the user for selecting and enrolling in the second assistance program.