Specific gui structured for application data entry
AssigneeConfident Financial Solutions, Inc.
InventorKevin Cawley
Life of this patent
Estimating the term…
Abstract
A method of electronically processing a loan application, the method including receiving, via a computer system, identifying information for an applicant for the loan application; matching, in real time and via the computer system, the identifying information with a potential identity within a credit bureau; authenticating, using a two-factor authentication method and the computer system, that the potential identity within the credit bureau is associated with the applicant; and auto-populating the loan application with information from the potential identity within the credit bureau.
Claims20
A method of electronically processing a loan application, the method comprising:
- (a) receiving, via a computer system, identifying information for an applicant of the loan application;
- (b) matching, in real time and via the computer system, the identifying information with a potential identity within a credit bureau;
- (c) authenticating, using a two-factor authentication method and the computer system, that the potential identity within the credit bureau is associated with the applicant;
- and
- (d) auto-populating the loan application with information from the potential identity within the credit bureau.
A method of completing a secure loan application for a financial institution by authenticating a customer's identity, comprising the steps of:
- (a) obtaining customer-specific information from the user via a first window displayed on a graphical user interface;
- wherein the customer-specific information consists of:
- a mobile phone number associated with the user;
- a first name of the user;
- a last name of the user;
- and
- a portion of a government-issued identification number of the user;
- (b) comparing, by a processor, the obtained customer-specific information with customer information from a credit bureau to verify the customer's identity by:
- determining that the mobile phone number is associated with the user based on records accessible by the credit bureau;
- generating a random code and transmitting it to a mobile communication device using the mobile phone number;
- and
- receiving the random code via a second window displayed on the graphical user interface;
- wherein verifying the customer's identity creates at least a portion of the secure loan application;
- (c) displaying, by the processor, asset(s) associated with the user based on the records accessible by the credit bureau;
- (d) receiving, by the processor, a selection of an asset from the user;
- wherein receiving the selection of the asset completes another portion of the secure loan application;
- and
- (e) determining whether the user is approved for a loan based on the customer information from the credit bureau, the portion of the secure loan application, and the another portion of the secure loan application.
A method comprising:
- (a) providing a graphical user interface, wherein the graphical user interface is adapted to display a first, second, third, and fourth dialogue box and a graphical control element within a first window;
- wherein the first dialogue box is configured to receive a user first name;
- wherein the second dialogue box is configured to receive a user last name;
- wherein the third dialogue box is configured to receive a user phone number;
- wherein the fourth dialogue box is configured to receive a portion of a personal identification number associated with the user;
- and
- wherein the graphical control element is configured to display a list of income ranges;
- (b) after displaying the first window, receiving by a processor, user information data from the first, second, and fourth dialogue boxes and the graphical control element, wherein the user information data consists of:
- first name data received via the first dialogue box;
- last name data received via the second dialogue box;
- user phone number data received via the third dialogue box;
- a portion of a personal identification number received via the fourth dialogue box;
- and an income range received via the graphical control element;
- (c) matching at least a portion of the user information data with a user profile and classifying the user as “provisionally identified”;
- wherein the user profile associates the user with one or more vehicles;
- (d) sending a PIN number to a mobile device associated with the phone number provided via the third dialogue box;
- (e) displaying a fifth dialogue box on a second window that is different from the first window, wherein the fifth dialogue box is configured to receive the PIN number;
- (f) upon receiving the PIN number via the fifth dialogue box, displaying the one or more vehicles associated with the user profile in a third window that is different from the first and second windows;
- and
- (g) receiving an indication of a selected vehicle from the one or more vehicles and changing the classification of the user from provisionally identified to identity confirmed.
Dependencies are inferred from the claim text.