Loan Quotation System and Method
A loan quotation system and method is provided having a consumer data entry point device operatively coupled, via a network, to one or more severs for entering data and receiving a responsive loan quotation.
1 . A system comprising:
a consumer data entry point device operatively coupled, via a network, to one or more severs for entering personal data, securely transmitting the personal data and receiving a responsive loan quotation or rate watch report via an application loaded on the data entry point device or by email or another consumer selected notification setting;
a service provider or consumer advertising platform that provides the loan quotation or the rate watch report from one or more different lenders to the consumer data entry point and transmits a loan quotation request and consumer contact information upon permission being granted by the consumer via the application loaded on the data entry point device.
2 . The system of claim 1 , further comprising a lender platform for generating the loan quotation, in response to the loan quotation request from the service provider platform, and receiving contact information for a consumer from the service provider platform.
3 . The system of claim 2 , wherein the consumer advertising platform and the lender platform are provided on a single system.
4 . The system of claim 2 , wherein the lender platform offers to provide loan quotations via a website associated with a lender or a partner of the lender.
5 . The system of claim 1 , wherein the application is available for downloading from a server that offers other applications available for downloading.
6 . The system of claim 1 , wherein lending rates are watched and reported to the consumer data entry point in response to a request made by the consumer and the entered personal data.
7 . The system of claim 1 , wherein the loan quotation is provided by a lender that pays the service provider to post the loan quotation.
8 . The system of claim 1 , the consumer data entry point device comprising a cellular telephone.
9 . The system of claim 1 , the consumer data entry point device comprising a television and a cable set top box.
10 . The system of claim 1 , the consumer data entry point device comprising a gaming system.
11 . The system of claim 1 , the consumer data entry point device comprising a handheld device.
12 . The system of claim 1 , the system comprising an eligibility and pricing engine.
13 . The system of claim 1 , the consumer data entry point device comprising a digital video recording (DVR) device.
14 . The system of claim 1 , the service provider platform providing lead management to the lender platform related to the loan request and requests from other consumers.
15 . The system of claim 1 , the service provider platform providing customer relationship management to the consumer related to the loan quotation request.
16 . The system of claim 1 , the consumer advertising platform providing a loan qualification response to the consumer data entry point and relaying a selection response to a selected lenders.
17 . A system comprising:
a cellular telephone operatively coupled, via a network, to one or more severs for entering personal data, securely transmitting the personal data and receiving a responsive loan quotation via an application loaded on the cellular telephone or by email or another consumer selected notification setting;
a service provider or consumer advertising platform that provides the loan quotation to the cellular telephone and transmits a loan quotation request and consumer contact information upon permission being granted by the consumer via the application loaded on the data entry point device.
18 . The system of claim 17 , wherein the application is available for downloading from a server that offers other applications for downloading.
19 . The system of claim 18 further including a lender platform for generating the loan quotation, in response to the loan quotation request from the service provider platform.
20 . The system of claim 19 , wherein the consumer advertising platform and the lender platform are provided on a single system.
21 . The system of claim 19 , wherein the lender platform offers to provide loan quotations via a website associated with a lender or a partner of the lender.
22 . The system of claim 18 , wherein lending rates are watched and reported to the cellular telephone in response to a request made by the consumer and the entered personal data.
23 . The system of claim 18 , wherein the loan quotation is provided by a lender that pays the service provider to post the loan quotation.
24 . The system of claim 18 , the system comprising an eligibility and pricing engine.
25 . The system of claim 18 , the service provider platform providing lead management to the lender platform related to the loan request and requests from other consumers.
26 . The system of claim 18 , the service provider platform providing customer relationship management for sending reminders to the consumer related to the loan quotation request.
27 . A system comprising:
an application available for downloading from a server that offers other applications for downloading;
a cable set top box, gaming system, or handheld device operatively coupled, via a network, to one or more severs for downloading the application, entering personal data, securely transmitting the personal data and receiving a responsive loan quotation;
a service provider or consumer advertising platform that provides the loan quotation to the cable set top box, gaming system, or handheld device and transmits a loan quotation request and consumer contact information upon permission being granted by the consumer via the application loaded on the cable set top box, gaming system, or handheld device; and,
a lender platform for generating the loan quotation, in response to the loan quotation request from the service provider platform.
28 . The system of claim 27 , wherein the consumer advertising platform and the lender platform are provided on a single system.
29 . The system of claim 27 , wherein the lender platform offers to provide loan quotations via a website associated with a lender or a partner of the lender.
30 . The system of claim 27 , wherein lending rates are watched and reported to the cable set top box, gaming system or handheld device in response to a request made by the consumer and the entered personal data.
31 . The system of claim 27 , the system comprising an eligibility and pricing engine.
32 . The system of claim 27 , the service provider platform providing lead management to the lender platform related to the loan request and requests from other consumers.
33 . The system of claim 27 , the service provider platform providing customer relationship management for sending reminders to the consumer related to the loan quotation request.