System for automated description and categorization

A system to facilitate data exchange between a user and an enterprise via an automated back-end application computer server, comprising:

• (a) a description data store including a plurality of electronic records each associating a descriptive term with at least one hidden term and a potential pre-determined description;
• (b) a categorization data store including a plurality of electronic records each associating a description with a dynamic information exchange and at least one pre-determined category,
• (c) a communication interface to facilitate an exchange of electronic messages, including messages exchanged via a distributed communication network, supporting interactive user interface displays at remote front-end user devices;
• and
• (d) the back-end application computer server, coupled to the description data store, the categorization data store, and the communication interface, programmed to:
• (i) receive, directly from a front-end user device associated with the user, a request,
• (ii) receive at least one descriptive term from the front-end user device via the interactive user interface display,
• (iii) perform a look-up process based on the at least one descriptive term to establish a set of potential pre-determined descriptions, wherein the look-up process associates hidden descriptive terms with at least some of the potential pre-determined descriptions based on electronic records in the description data store,
• (iv) transmit an indication of the set of potential pre-determined descriptions from the back-end application computer server to the front-end user device via the communication network,
• (v) receive, from the front-end user device via the interactive user interface display, a selected description from the set of potential pre-determined descriptions,
• (vi) associate a user identifier with the request,
• (vii) automatically assign, via a series of dynamic information exchanges retrieved based on the selected description and electronic data records in the categorization data store, one of a number of pre-determined categories as being associated with the user identifier,
• (viii) receive, from a third-party device based on the selected description, the user identifier, or the assigned category, a partial set of initial request details,
• (ix) receive, from the front-end user device, adjustments to the partial set of initial request details along with additional initial request details to establish a complete set of request details,
• (x) automatically calculate, based on the selected description, the assigned category, the complete set of request details, and information from an enterprise platform associated with the enterprise, a potential value associated with the request,
• (xi) transmit an indication of the automatically calculated potential value directly from the back-end application computer server to the front-end user device via the communication network, and
• (xii) automatically transmit information about the user identifier to a user response terminal, associated with the enterprise, to facilitate communication between the user response terminal and the user.

A computerized method to facilitate a risk relationship between a user and an enterprise via an automated back-end application computer server, comprising:

• receiving at the back-end application computer server, directly from a remote front-end user device associated with the user via a communication interface, a potential risk relationship request, wherein the communication interface facilitates an exchange of electronic messages, including messages exchanged via a distributed communication network;
• receiving at least one descriptive term from the front-end user device via an interactive user interface display;
• performing a look-up process based on the at least one descriptive term to establish a set of potential pre-determined descriptions, wherein the look-up process associates hidden descriptive terms with at least some of the potential pre-determined descriptions based on electronic records in a description data store, the description data store including a plurality of electronic records each associating a descriptive term with at least one hidden term and a potential pre-determined description;
• transmitting an indication of the set of potential pre-determined descriptions from the back-end application computer server to the front-end user device via the communication network;
• receiving, from the front-end user device via the interactive user interface display, a selected description from the set of potential pre-determined descriptions;
• associating a user identifier with the potential risk relationship request;
• automatically assigning, via a series of dynamic information exchanges retrieved based on the selected description and electronic data records in a categorization data store, one of a number of pre-determined categories as being associated with the user identifier, wherein the categorization data store includes a plurality of electronic records each associating a description with a dynamic information exchange and at least one pre-determined category;
• receiving, from a third-party device based on the selected description, the user identifier, or the assigned category, a partial set of initial request details;
• receiving, from the front-end user device, adjustments to the partial set of initial request details along with additional initial request details to establish a complete set of request details;
• automatically calculating, based on the selected description, the assigned category, the complete set of request details, and information from an enterprise platform associated with the enterprise, a potential value associated with the potential risk relationship;
• transmitting an indication of the automatically calculated potential value directly from the back-end application computer server to the front-end user device via the communication network;
• and
• automatically transmitting information about the user identifier to a user response terminal, associated with the enterprise, to facilitate communication between the user response terminal and the user.