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 . An automated computer implemented method that automatically enrolls a user who has an obligation to a financial institution in one or more payment programs, the method performed using a computing device and comprising:
 retrieving, via an electronic input, credit information including information about a user's current financial condition using a computer server, wherein the credit information comprises personal user data and account data regarding a user account; and   providing, via an interactive user interface, a list of payment programs comprising a plurality of individually selectable payment programs each comprising different terms specifically determined for the user based at least on the collected credit information,   wherein the list of payment programs is listed in an order specific to the user, each individually selectable payment program selectable, via the interactive user interface, to establish enrollment in the selected payment program,   wherein upon selection of one payment program by the user, the computer server obtains user payment information, retrieves data from the database and processes at least a portion of the one payment program selected by the user,   wherein the user selects more than one payment program through an iterative process and the computer server further determines whether enrollment in any accepted program is exclusive of enrollment in any other accepted program; and   for each of the selected payment programs, the interactive user interface provides suggested payment dates based on a billing cycle data associated with the user and suggested payment amounts based on account balance data associated with the user, the interactive user interface further comprises a feedback section that provides enrollment status for each of the selected payment programs.   
     
     
         24 . The method of  claim 23 , wherein the collected credit information comprises a current debt amount. 
     
     
         25 . The method of  claim 23 , wherein the collected credit information comprises information regarding employment status. 
     
     
         26 . The method of  claim 23 , wherein the collected credit information comprises a debt-level range of the user. 
     
     
         27 . (canceled) 
     
     
         28 . (canceled) 
     
     
         29 . The method of  claim 23 , wherein the collected credit information comprises the type of user. 
     
     
         30 . The method of  claim 23 , wherein the collected credit information comprises the card balance of the user. 
     
     
         31 . The method of  claim 23 , wherein the collected credit information comprises the card account data of the user. 
     
     
         32 . The method of  claim 23 , wherein the collected credit information comprises data relating to whether the user has previously enrolled in one or more of the payment programs. 
     
     
         33 . An automated computer implemented system that automatically enrolls a user who has an obligation to a financial institution in one or more payment programs, the system comprising:
 one or more processors;   a database that stores account information and payment program data; and   a computer-readable medium storing instructions for execution by the one or more processors, the one or more processors coupled to the database, the instructions operable to cause the one or more processors to perform operations comprising:   retrieving, via an electronic input, credit information including information about a user's current financial condition using a computer server, wherein the credit information comprises personal user data and account data regarding a user account; and   providing, via an interactive user interface, a list of payment programs comprising a plurality of individually selectable payment programs each comprising different terms specifically determined for the user based at least on the collected credit information,   wherein the list of payment programs is listed in an order specific to the user, each individually selectable payment program selectable, via the interactive user interface, to establish enrollment in the selected payment program,   wherein upon selection of one payment program by the user, the computer server obtains user payment information, retrieves data from the database and processes at least a portion of the one payment program selected by the user,   wherein the user selects more than one payment program through an iterative process and the computer server further determines whether enrollment in any accepted program is exclusive of enrollment in any other accepted program; and   for each of the selected payment programs, the interactive user interface provides suggested payment dates based on a billing cycle data associated with the user and suggested payment amounts based on account balance data associated with the user, the interactive user interface further comprises a feedback section that provides enrollment status for each of the selected payment programs.   
     
     
         34 . The system of  claim 33 , wherein the collected credit information comprises a current debt amount. 
     
     
         35 . The system of  claim 33 , wherein the collected credit information comprises information regarding employment status. 
     
     
         36 . The system of  claim 33 , wherein the collected credit information comprises a debt-level range of the user. 
     
     
         37 . (canceled) 
     
     
         38 . (canceled) 
     
     
         39 . The system of  claim 33 , wherein the collected credit information comprises the type of user. 
     
     
         40 . The system of  claim 33 , wherein the collected credit information comprises the card balance of the user. 
     
     
         41 . The system of  claim 33 , wherein the collected credit information comprises the card account data of the user. 
     
     
         42 . The system of  claim 33 , wherein the collected credit information comprises data relating to whether the user has previously enrolled in one or more of the payment programs. 
     
     
         43 . An automated computer implemented method for enrolling a user who has an obligation to a financial institution in one or more payment programs, the method performed using a computing device and comprising:
 collecting credit information including information about a user's current financial condition using a server; and   providing a list of payment programs comprising a plurality of individually selectable payment programs each comprising different terms specifically determined for the user based at least on the collected credit information, each individually selectable payment program selectable to establish enrollment in the selected payment program, and wherein upon selection of one payment program by the user, the server obtains user payment information and processes at least a portion of the one payment program selected by the user;   wherein the collecting credit information comprises personal data regarding the user; credit information related to account data regarding a user account, a current debt amount, employment status, a debt-level range of the user, type of user; and card account data of the user.