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US 11,538,107 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.
Claims20
A computing device, comprising:
- a processing unit;
- and
- system memory, the system memory including instructions that, when executed by the processing unit, cause the computing device to:
- responsive to authentication of a customer, provide a financial accounts interface for display at the computing device, with the financial accounts interface including financial accounts associated with the customer, wherein the financial accounts interface includes a plurality of first fields listing information about each of the financial accounts, and wherein the financial accounts interface includes a first control for each of the financial accounts that is programmed to allow for selection of a financial account of the financial accounts;
- receive, at the first control on the financial accounts interface on display at the computing device, selection of the financial account from the financial accounts;
- responsive to selection of the financial account, provide a financial products interface for display at the computing device, with the financial products interface including financial products available to the customer, wherein the financial products interface includes a plurality of second fields listing information about each of the financial products, including current pricing information for the financial products based upon financial information associated with the customer from the financial account, wherein the financial products interface includes a second control for each of the financial products that is programmed to allow for selection of the financial products for comparison;
- receive, at the second control on the financial products interface on display at the computing device, a comparison request from the customer including at least two selected products of the financial products on the financial products interface;
- and
- responsive to receipt of the comparison request, provide a comparison interface for display at the computing device, the comparison interface including:
- a representation that compares the at least two selected products, wherein the representation includes a graphical depiction of an aspect of the at least two selected products;
- and
- a recommendation of one of the at least two selected products based upon the financial information from the financial account.
9 more elements
A computer-implemented method for selecting financial products, the computer-implemented method comprising:
- responsive to authentication of a customer, providing a financial accounts interface for display at a computing device, with the financial accounts interface including financial accounts associated with the customer, wherein the financial accounts interface includes a plurality of first fields listing information about each of the financial accounts, and wherein the financial accounts interface includes a first control for each of the financial accounts that is programmed to allow for selection of a financial account of the financial accounts;
- receiving, at the first control on the financial accounts interface on display at the computing device, selection of the financial account from the financial accounts;
- responsive to selection of the financial account, providing a financial products interface for display at the computing device, with the financial products interface including the financial products available to the customer, wherein the financial products interface includes a plurality of second fields listing information about each of the financial products, including current pricing information for the financial products based upon financial information associated with the customer from the financial account, wherein the financial products interface includes a second control for each of the financial products that is programmed to allow for selection of the financial products for comparison;
- receiving, at the second control on the financial products interface on display at the computing device, a comparison request from the customer including at least two selected products of the financial products on the financial products interface;
- and
- responsive to receipt of the comparison request, provide a comparison interface for display at the computing device, the comparison interface including:
- a representation that compares the at least two selected products, wherein the representation includes a graphical depiction of an aspect of the at least two selected products;
- and
- a recommendation of one of the at least two selected products based upon the financial information from the financial account.
6 more elements
Dependencies are inferred from the claim text.