Computerized system for managing communications between a buyer, seller, and lender

Abstract

A computerized system and method are presented for exchanging information between a buyer, a seller, and a lender. The system permits sellers and lenders to input buyers that are then submitted for activation. The buyers use the system to obtain information about items, while the sellers and lenders make consistent contact with the buyer in order to work with the buyer. Information about the buyers is shared with both the sellers and the lenders. A business plan is also input into the computerized system by the financial institution employing the lender. This business plan includes goals for numbers of sellers and buyers using the system, and for loan officer candidates to be recruited. Activity on the computerized system is calculated for compliance with the business plan. Feedback is provided to management relating to whether the business plan is being met.

What is claimed is: 
     
         1 . A computerized method for tracking the utilization of a computerized system comprising:
 a) establishing separate interfaces into the computerized system for prospective buyers of items, sellers of the items, and lenders that provide financial information to buyers for the purchase of items;   b) associating a particular buyer with a particular seller and a particular lender;   c) storing buyer activity information on the computerized system relating to the interaction of the particular buyer with the computerized system;   d) storing buyer notes on the computerized system input by the particular buyer about a particular item;   e) storing seller notes and lender notes on the computerized system, the seller notes being input by the particular seller about the particular buyer and the lender notes being input by the particular lender about the particular buyer;   f) using the system to share buyer activity information, buyer notes, seller notes, and lender notes with both the particular lender and the particular seller;   g) using the system to prompt both the particular lender and the particular seller to contact the particular buyer, the prompts switching between the particular lender and the particular seller so as to ensure that the particular lender and the particular seller are not prompted to contact the particular buyer at the same time;   h) tracking whether the prompts were followed by actual communication with the particular buyer;   i) establishing a management interface allowing a manager to determine whether prompts directed to multiple individuals are being followed by actual communications to buyers.   
     
     
         2 . The computerized method of  claim 1 , wherein the step of using the system to prompt both the particular lender and the particular seller to contact the particular buyer further includes the step of triggering said prompts based upon stored buyer activity information. 
     
     
         3 . The computerized method of  claim 1 , further comprising:
 j) prompting the manager to communicate directly with the particular lender, the particular buyer, or the particular seller on the occurrence of a trigger event.   
     
     
         4 . The computerized method of  claim 3 , further comprising
 k) tracking whether the manager followed the prompts with actual communication to the particular lender or the particular seller; and   l) establishing an upper level manager interface allowing an upper level manager to determine whether the manager followed the prompts with actual communications.   
     
     
         5 . The computerized method of  claim 3 , wherein the triggering events relate to whether prompts to the particular lender to contact the particular buyer were followed by actual communication with the particular buyer. 
     
     
         6 . A computerized method for exchanging information between a plurality of buyers, sellers, and lenders, the computerized method comprising:
 a) inputting a business plan into a computerized system, the business plan including goals for increasing the numbers of sellers using the system;   b) storing buyer activity on the computerized system relating to the interaction of the buyers with the computerized system;   c) using the system to share information regarding buyer activity with both the lender and the seller;   d) using the system to prompt contact with a particular buyers using a timing algorithm that selects one of the lenders and sellers to contact the particular buyer; and   e) indicating through the computerized system how the activity of the buyers, sellers, and lenders compares with the business plan.   
     
     
         7 . The computerized method of  claim 6 , wherein the business plan includes:
 i) goals for the number of sellers using the system; and   ii) goals for the number of lenders using the system.   
     
     
         8 . The computerized method of  claim 7 , wherein the goals for the number of sellers using the system are divided into the number of new sellers that have not previously worked with the lender before and the number of new sellers that that have previously worked with the lender before but had not previously used the system. 
     
     
         9 . The computerized method of  claim 8 , wherein the business plan further includes goals for the number of buyers enrolled using the system per each seller using the system.