System and method for determining eligibility and enrolling members in various programs

Abstract

A system and method for determining eligibility of persons and enrolling those persons in various programs. For example, one embodiment is particularly suited for enrolling credit card members in payment programs. A program is selected, after which enrollment information is entered. The enrollment information is checked and verified, and the enrollment application is checked for eligibility. The enrollment may be either accepted or declined. The possibility of reiterative enrollment in more than one program is provided. A system is provided for tracking which payment programs are the most enticing for later feedback analysis.

1 .- 22 . (canceled) 
     
     
         23 . A system for enrolling an individual who has an obligation to a financial institution in one or more payment programs comprising:
 at least one processor;   at least one computer having a display operatively connected to the at least one processor and an input device operatively connected to the at least one processor, wherein the at least one computer comprises a first computer that communicates with a second computer through an information sharing network;   an interactive user application running on the at least one processor; and   a graphical user interface generated by the interactive user application and displayed on the display, the graphical user interface displaying a list of payment programs in which the individual may enroll;   the graphical user interface further providing an interface for displaying a description of the listed payment programs on the display, for receiving enrollment information regarding a payment program and for determining whether the individual is eligible to enroll in a payment program.   
     
     
         24 . The system of  claim 23 , wherein the description of the listed payment programs comprises a payment date, a payment amount, and an interest rate. 
     
     
         25 . The system of  claim 23 , wherein the at least one processor is programmed to enroll the individual in the payment program based at least in part on the enrollment information. 
     
     
         26 . The system of  claim 23 , wherein eligibility to enroll is based at least in part on financial status information of the individual. 
     
     
         27 . The system of  claim 26 , wherein the financial status information comprises account information. 
     
     
         28 . The system of  claim 23 , wherein the list of payment programs comprises a plurality of payment programs in which the individual is eligible to enroll. 
     
     
         29 . The system of  claim 23 , wherein the one or more payment programs comprise payment programs for payment of past due accounts. 
     
     
         30 . The system of  claim 23 , wherein the at least one processor is programmed to determine whether the payment programs are declined or accepted by the individual. 
     
     
         31 . The system of  claim 23 , wherein the interface comprises an application form which includes enrollment information fields. 
     
     
         32 . The system of  claim 23 , wherein eligibility to enroll is based at least in part on amount owed. 
     
     
         33 . The system of  claim 23 , wherein the description of the listed payment programs comprises a description of individuals who are eligible for a payment program and a description of one or more advantages of a payment program. 
     
     
         34 . The system of  claim 23 , wherein the description of the listed payment program comprises current status information. 
     
     
         35 . The system of  claim 34 , wherein the current status information comprises whether the individual is eligible for a payment program, whether the individual is already enrolled in a payment program and whether the individual has already been offered the payment program. 
     
     
         36 . The system of  claim 23 , wherein the description of the listed payment programs is displayed in an order based on one or more predefined strategies. 
     
     
         37 . A method for enrolling an individual who has an obligation to a financial institution in one or more payment programs comprising the steps of:
 displaying a list of payment programs in which an individual may enroll on a graphical user interface generated by an interactive user application running on at least one processor;   displaying a description of the listed payment programs on the display;   receiving enrollment information regarding a payment program;   determining whether the individual is eligible to enroll in a payment program; and   enrolling the individual in a payment program based at least in part on the enrollment information.   
     
     
         38 . The method of  claim 37 , wherein the description of the listed payment programs comprises a payment date, a payment amount, and an interest rate. 
     
     
         39 . The method of  claim 37 , wherein the at least one processor is programmed to enroll the individual in the payment program based at least in part on the enrollment information. 
     
     
         40 . The method of  claim 37 , wherein eligibility to enroll is based at least in part on financial status information of the individual. 
     
     
         41 . The system of  claim 40 , wherein the financial status information comprises account information. 
     
     
         42 . The method of  claim 37 , wherein the list of payment programs comprises a plurality of payment programs in which the individual is eligible to enroll. 
     
     
         43 . The method of  claim 37 , wherein the one or more payment programs comprise payment programs for payment of past due accounts. 
     
     
         44 . The method of  claim 37 , wherein the at least one processor is programmed to determine whether the payment programs are declined or accepted by the individual. 
     
     
         45 . The method of  claim 37 , wherein the interface comprises an application form which includes enrollment information fields. 
     
     
         46 . The method of  claim 37 , wherein eligibility to enroll is based at least in part on amount owed. 
     
     
         47 . The method of  claim 37 , wherein the description of the listed payment programs comprises a description of individuals who are eligible for a payment program and a description of one or more advantages of a payment program. 
     
     
         48 . The method of  claim 37 , wherein the description of the listed payment program comprises current status information. 
     
     
         49 . The method of  claim 48 , wherein the current status information comprises whether the individual is eligible for a payment program, whether the individual is already enrolled in a payment program and whether the individual has already been offered the payment program. 
     
     
         50 . The method of  claim 37 , wherein the description of the listed payment programs is displayed in an order based on one or more predefined strategies.