# US 2021/0241371 A1 · System for Dynamically Adjusting a Pre-Approval Letter

> Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt

- Number: US 2021/0241371 A1
- Document ID: US20210241371A1
- Status: Published application
- Kind: A1
- Application number: 17/162,095
- Filed: 2021-01-29
- Published: 2021-08-05
- Earliest claimed: 2020-01-31
- Assignees: Avenu Technologies, Inc.
- Applicants: Avenu Technologies, Inc.
- Inventors: Marc L. Diana
- Web page: https://patentgrep.com/patent/US20210241371A1

## CPC

- G06F 40/174: Form filling; Merging
- G06Q 40/03: Credit; Loans; Processing thereof
- G06F 40/166: Editing, e.g. inserting or deleting
- G06F 40/56: Natural language generation
- G06F 40/131: Fragmentation of text files, e.g. creating reusable text-blocks; Linking to fragments, e.g. using XInclude; Namespaces
- G06Q 50/16: Real estate
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

According to certain embodiments, a user device comprises a communication interface, an input/output (I/O) interface, and processing circuitry. The processing circuitry is configured to obtain a maximum pre-approval amount, generate a graphical user interface comprising an adjustable pre-approval field that enables a user to select up to the maximum pre-approval amount to include in a pre-approval letter, display the graphical user interface via the I/O interface, and receive an input associated with the adjustable pre-approval field via the I/O interface. The input indicates an adjusted pre-approval amount selected by the user. The processing circuitry is further configured to facilitate generating the pre-approval letter indicating that a customer has been pre-approved for the adjusted pre-approval amount, the pre-approval letter including a pre-authorized signature of a lender and generated without sending the lender the adjusted pre-approval amount.

## Claims

### Claim 1

A user device, the user device comprising:
a communication interface;
an input/output (I/O) interface; and
processing circuitry, the processing circuitry configured to:
obtain a maximum pre-approval amount available to a customer, the maximum pre-approval amount based on a pre-approval policy that has been pre-authorized by a lender;
generate a graphical user interface comprising an adjustable pre-approval field that enables a user to select up to the maximum pre-approval amount to include in a pre-approval letter;
display the graphical user interface via the I/O interface;
receive an input associated with the adjustable pre-approval field via the I/O interface, the input indicating an adjusted pre-approval amount selected by the user; and
facilitate generating the pre-approval letter indicating that the customer has been pre-approved for the adjusted pre-approval amount, the adjusted pre-approval amount less than or equal to the maximum pre-approval amount, the pre-approval letter including a pre-authorized signature of the lender and generated without sending the adjusted pre-approval amount to the lender.

### Claim 2 (depends on 1)

The user device of claim 1, wherein to facilitate generating the pre-approval letter, the processing circuitry is configured to generate the pre-approval letter at the user device.

### Claim 3 (depends on 1)

The user device of claim 1, wherein to facilitate generating the pre-approval letter, the processing circuitry is further configured to:
communicate the adjusted pre-approval amount to the lending system via the communication interface and, in response, receive the pre-approval letter comprising the adjusted pre-approval amount from the lending system via the communication interface.

### Claim 4 (depends on 1)

The user device of claim 1, wherein the processing circuitry is further configured to perform at least one of the following:
store the pre-approval letter;
instruct the communication interface to communicate the pre-approval letter to a second user device, the second user device associated with another party;
instruct the I/O interface to display the pre-approval letter to the user; or
instruct the I/O interface to print the pre-approval letter.

### Claim 5 (depends on 1)

The user device of claim 1, wherein the processing circuitry is further configured to:
receive, via the I/O interface, a second input associated with the adjustable pre-approval field, the second input indicating a second adjusted pre-approval amount selected by the user; and
facilitate generating a second pre-approval letter indicating that the customer has been pre-approved for the second adjusted pre-approval amount, the second adjusted pre-approval amount less than or equal to the maximum pre-approval amount, the second pre-approval letter including the pre-authorized signature of the lender and generated without sending the second adjusted pre-approval amount to the lender.

### Claim 6 (depends on 1)

The user device of claim 1, wherein the processing circuitry is further configured to:
store both the pre-approval letter and the second pre-approval letter in memory;
receive a request from the user, the request requesting to retrieve either the pre-approval letter or the second pre-approval letter; and
retrieve either the pre-approval letter or the second pre-approval letter from memory based on the request.

### Claim 7 (depends on 1)

The user device of claim 1, wherein the user device is associated with an agent representing the customer and the processing circuitry is further configured to communicate a referral to the lending system, wherein the referral initiates a process of registering the customer with the lending system.

### Claim 8

A non-transitory computer readable medium comprising logic that, when executed by processing circuitry of a user device, causes the user device to perform actions comprising:
obtaining a maximum pre-approval amount available to a customer, the maximum pre-approval amount based on a pre-approval policy that has been pre-authorized by a lender;
generating a graphical user interface comprising an adjustable pre-approval field that enables a user to select up to the maximum pre-approval amount to include in a pre-approval letter;
displaying the graphical user interface;
receiving an input associated with the adjustable pre-approval field, the input indicating an adjusted pre-approval amount selected by the user; and
facilitating generation of the pre-approval letter indicating that the customer has been pre-approved for the adjusted pre-approval amount, the adjusted pre-approval amount less than or equal to the maximum pre-approval amount, the pre-approval letter including a pre-authorized signature of the lender and generated without sending the adjusted pre-approval amount to the lender.

### Claim 9 (depends on 8)

The non-transitory computer readable medium of claim 8, wherein to facilitating generation of the pre-approval letter comprises causing the user device to generate the pre-approval letter itself.

### Claim 10 (depends on 8)

The non-transitory computer readable medium of claim 8, wherein facilitating generation of the pre-approval letter comprises communicating the adjusted pre-approval amount to a lending system from which the maximum pre-approval amount was obtained and, in response, receiving the pre-approval letter comprising the adjusted pre-approval amount from the lending system.

### Claim 11 (depends on 8)

The non-transitory computer readable medium of claim 8, wherein the logic, when executed by processing circuitry of the user device, further causes the user device to perform actions comprising at least one of the following:
storing the pre-approval letter;
instructing a communication interface to communicate the pre-approval letter to a second user device, the second user device associated with another party;
instructing the I/O interface to display the pre-approval letter to the user; or
instructing the I/O interface to print the pre-approval letter.

### Claim 12 (depends on 8)

The non-transitory computer readable medium of claim 8, wherein the logic, when executed by processing circuitry of the user device, further causes the user device to perform actions comprising:
receiving, via the I/O interface, a second input associated with the adjustable pre-approval field, the second input indicating a second adjusted pre-approval amount selected by the user; and
facilitating generation of a second pre-approval letter indicating that the customer has been pre-approved for the second adjusted pre-approval amount, the second adjusted pre-approval amount less than or equal to the maximum pre-approval amount, the second pre-approval letter including the pre-authorized signature of the lender and generated without sending the second adjusted pre-approval amount to the lender.

### Claim 13 (depends on 8)

The non-transitory computer readable medium of claim 8, wherein the logic, when executed by processing circuitry of the user device, further causes the user device to perform actions comprising:
storing both the pre-approval letter and the second pre-approval letter in memory;
receiving a request from the user, the request requesting to retrieve either the pre-approval letter or the second pre-approval letter; and
retrieving either the pre-approval letter or the second pre-approval letter from memory based on the request.

### Claim 14

A lending system, the lending system comprising:
a communication interface; and
processing circuitry, the processing circuitry configured to:
obtain a pre-authorization of a lender to include a signature of the lender on pre-approval letters that comply with a pre-approval policy;
receive customer information via the communication interface, the customer information associated with a customer seeking pre-approval of a loan;
apply the pre-approval policy to the customer information to yield a pre-approval result, wherein applying the pre-approval policy occurs sometime after obtaining the pre-authorization of the lender;
determine, based on the pre-approval result, a maximum pre-approval amount available to the customer; and
facilitate generating one or more of the pre-approval letters, each pre-approval letter indicating that the customer has been pre-approved for an adjusted pre-approval amount, the adjusted pre-approval amount less than or equal to the maximum pre-approval amount, each pre-approval letter including the signature of the lender based on the pre-authorization of the lender, without obtaining further authorization from the lender.

### Claim 15 (depends on 14)

The lending system of claim 14, wherein to facilitate generating the one or more pre-approval letters, the processing circuitry is further configured to:
communicate the maximum pre-approval amount to a user device associated with the customer or an agent of the customer via the communication interface, wherein communicating the maximum pre-approval amount indicates to the user device that the user device has been authorized to obtain each adjusted pre-approval amount from the customer or agent of the customer and to generate the one or more pre-approval letters that include the signature of the lender and that indicate that the customer has been pre-approved for the adjusted pre-approval amount.

### Claim 16 (depends on 14)

The lending system of claim 14, wherein to facilitate generating the one or more pre-approval letters, the processing circuitry is further configured to:
communicate the maximum pre-approval amount to a user device associated with the customer or an agent of the customer via the communication interface;
in response to communicating the maximum pre-approval amount to the user device, receive each adjusted pre-approval amount from the user device;
generate the one or more pre-approval letters that include the signature of the lender and that indicate that the customer has been pre-approved for the respective adjusted pre-approval amount; and
communicate the one or more pre-approval letters to the user device via the communication interface.

### Claim 17 (depends on 14)

The lending system of claim 14, wherein the customer information comprises:
at least one credit report associated with the customer, the credit report obtained from a credit bureau; and
information obtained from the customer via a web portal configured to manage a pre-approval application of the customer.

### Claim 18 (depends on 14)

The lending system of claim 14, wherein:
the pre-approval result comprises a set of loan products for which the customer has qualified for pre-approval, each loan product associated with a respective pre-approval amount; and
the processing circuitry is further configured to compare the respective pre-approval amounts of the set of loan products and select a highest pre-approval amount as the maximum pre-approval amount.

### Claim 19 (depends on 14)

The lending system of claim 14, the processing circuitry further configured to:
receive a referral from an agent, the referral referring the customer to the lending system, the referral received via the communication interface;
create an account for the customer in response to receiving the referral;
communicate an invitation to the customer via the communication interface, the invitation comprising a web address or link that enables the customer to complete registration of the account.

### Claim 20 (depends on 14)

The lending system of claim 14, the processing circuitry further configured to:
receive an indication that the customer has opted to proceed with a loan process; and
facilitate connecting the customer with the lender or another lender.