Method and apparatus for capturing commercial loan application data and assigning a commercial loan request
View Patent ↗Methods, apparatus, and articles of manufacture for capturing commercial loan application data and assigning a commercial loan request are disclosed herein. Embodiments of the invention provide mechanisms for capturing commercial loan application data, assigning a commercial loan request, monitoring an approval process, and administering association of accounts with approved requests via a series of user interface displays communicated to a user via a network communication link. In addition, the network environment of the invention provides for the storage of data in a relational database management system that enables previously entered data to populate data fields of applets within the user interface displays without the necessity to re-enter the data. Moreover, the status of the review process may be monitored to more quickly respond to requests for such information by the customer.
1. A method, comprising:
communicating a user interface to a client system via a network communication link, the user interface comprising a first user interface display of a plurality of user interface displays configured to capture commercial loan application data, wherein
the plurality of user interface displays are further configured to facilitate preparation of a commercial loan request for a customer, using the commercial loan application data;
receiving one or more portions of the commercial loan application data from the client system via the network communication link as each portion of the one or more portions of commercial loan application data is captured by the first user interface display;
storing the one or more portions of received commercial loan application data in a storage device;
communicating at least a first portion of the received commercial loan application data to the client system, wherein
the client system uses the first portion of the received commercial loan application data to pre-populate at least one data field of a second user interface display of the plurality of user interface displays;
assigning the commercial loan request to a reviewer of a lending facility; and
subsequent to approval of the commercial loan request by the lending facility, creating a financial account for the customer, and
associating the lending facility with the financial account.
2. The method of claim 1 , wherein
the plurality of user interface displays are further configured to capture lending facility syndication information, and
the lending facility syndication information indicates the commercial loan request is split among several lending facilities.
3. The method of claim 2 , wherein the plurality of user interface displays are further configured to monitor a status of review corresponding to the commercial loan request.
4. The method of claim 3 , wherein the plurality of user interface displays are further configured to administer association of accounts with approved commercial loan requests.
5. The method of claim 1 , wherein the plurality of user interface displays comprise hypertext markup language (HTML) documents, and communicating the user interface to the client system comprises transmitting the HTML documents via a network communication protocol in response to a request from the client system.
6. The method of claim 1 , wherein storing the commercial loan application data in the storage device includes storing the data in a manner to be retrieved in response to customer identifying information.
7. The method of claim 1 , wherein the customer is at least one of a plurality of borrowers and a plurality of companies.
8. A non-transitory machine-readable medium that includes a set of instructions, the set of instructions, which when executed, perform a method, comprising:
communicating a user interface to a client system via a network communication link, the user interface comprising a first user interface display of a plurality of user interface displays configured to capture commercial loan application data, wherein
the plurality of user interface displays are further configured to facilitate preparation of a commercial loan request for a customer, using the commercial loan application data;
receiving one or more portions of the commercial loan application data from the client system via the network communication link as each portion of the one or more portions of commercial loan application data is captured by the first user interface display;
storing the one or more portions of received commercial loan application data in a storage device;
communicating at least a first portion of the received commercial loan application data to the client system, wherein
the client system uses the first portion of the received commercial loan application data to pre-populate at least one data field of a second user interface display of the plurality of user interface displays;
assigning the commercial loan request to a reviewer of a lending facility; and
subsequent to approval of the commercial loan request by the lending facility, creating a financial account for the customer, and
associating the lending facility with the financial account.
9. The non-transitory machine-readable medium of claim 8 , wherein
the plurality of user interface displays are further configured to capture lending facility syndication information, and
the lending facility syndication information indicates the commercial loan request is split among several lending facilities.
10. The non-transitory machine-readable medium of claim 9 , wherein the plurality of user interface displays are further configured to monitor a status of review corresponding to the commercial loan request.
11. The non-transitory machine-readable medium of claim 10 , wherein the plurality of user interface displays are further configured to administer association of accounts with approved commercial loan requests.
12. The non-transitory machine-readable medium of claim 8 , wherein the plurality of user interface displays comprise hypertext markup language (HTML) documents, and communicating the user interface to the client system comprises transmitting the HTML documents via a network communication protocol in response to a request from the client system.
13. The non-transitory machine-readable medium of claim 8 , wherein storing the commercial loan application data in the storage device includes storing the data in a manner to be retrieved in response to customer identifying information.
14. A method, comprising:
receiving a user interface at a computer system via a network communication link, the user interface comprising a first user interface display of a plurality of user interface displays configured to capture commercial loan application data, wherein
the plurality of user interface displays are further configured to facilitate preparation of a commercial loan request for a customer, using the commercial loan application data;
receiving a user input, the user input comprising entry of one or more portions of the commercial loan application data, wherein the one or more portions of the commercial loan application is captured by the first user interface;
communicating the one or more portions of commercial loan application data to a server to store in a storage device, wherein said communicating is performed as each portion of the one or more portions of commercial loan application data is captured;
receiving at least a first portion of the captured commercial loan application data at the computer system from the server;
pre-populating at least one data field of a second user interface display of the plurality of user interface displays using the received first portion of commercial loan application data,
wherein said pre-populating is performed by the computer system;
displaying the pre-populated second user interface display on a display coupled to the computer system;
assigning the commercial loan request to a reviewer of a lending facility; and
subsequent to approval of the commercial loan request by the lending facility, creating a financial account for the customer, and
associating the lending facility with the financial account.
15. The method of claim 14 , wherein
the plurality of user interface displays are further configured to capture lending facility syndication information, and
the lending facility syndication information indicates the commercial loan request is split among several lending facilities.
16. The method of claim 15 , wherein the plurality of user interface displays are further configured to monitor a status of review corresponding to the commercial loan request.
17. The method of claim 15 , wherein the plurality of user interface displays are further configured to
assign an approval level corresponding to the commercial loan request, and
assign each stage of an approval process to a specified reviewer.
18. The method of claim 16 , wherein the plurality of user interface displays are further configured to administer association of accounts with approved commercial loan requests.
19. A non-transitory machine-readable medium that includes a set of instructions, the set of instructions, which when executed, perform a method, comprising:
receiving a user interface at a computer system via a network communication link, the user interface comprising a first user interface display of a plurality of user interface displays configured to capture commercial loan application data, wherein
the plurality of user interface displays are further configured to facilitate preparation of a commercial loan request for a customer, using the commercial loan application data;
receiving a user input, the user input comprising entry of one or more portions of the commercial loan application data, wherein the one or more portions of the commercial loan application is captured by the first user interface;
communicating the one or more portions of commercial loan application data to a server to store in a storage device, wherein said communicating is performed as each portion of the one or more portions of commercial loan application data is captured;
receiving at least a first portion of the captured commercial loan application data at the computer system from the server;
pre-populating at least one data field of a second user interface display of the plurality of user interface displays using the received first portion of commercial loan application data,
wherein said pre-populating is performed by the computer system;
displaying the pre-populated second user interface display on a display coupled to the computer system;
assigning the commercial loan request to a reviewer of a lending facility; and
subsequent to approval of the commercial loan request by the lending facility, creating a financial account for the customer, and
associating the lending facility with the financial account.
20. The non-transitory machine-readable medium of claim 19 , wherein
the plurality of user interface displays are further configured to capture lending facility syndication information, and
the lending facility syndication information indicate the commercial loan request is split among several lending facilities.
21. The non-transitory machine-readable medium of claim 20 , wherein the plurality of user interface displays are further configured to monitor a status of review corresponding to the commercial loan request.
22. The non-transitory machine-readable medium of claim 20 , wherein the plurality of user interface displays are further configured to
assign an approval level corresponding to the commercial loan request, and
assign each stage of an approval process to a specified reviewer.
23. The non-transitory machine-readable medium of claim 21 , wherein the plurality of user interface displays are further configured to administer association of accounts with approved commercial loan requests.
24. The non-transitory machine-readable medium of claim 19 , wherein one of the plurality of user interface displays comprises a user interface display corresponding to a sequence of user interface displays accessible to the user via actuation of a tab associated with each display of the sequence of user interface displays.