System and method for low friction operator interface on a mobile device

1. A computer system that provides a low friction operator interface, the computer system comprising:

a mobile device processor;

a mobile application executable by the mobile device processor to:

present a graphical user interface at the mobile device, the graphical user interface comprising a series of application pages having inputs for a limited set of user record information; generate a user record;

receive the limited set of user record information of a user via the user interface, the limited set of user record information including comprising an image of a government issued identification document;

populate one or more fields of the user record with pieces of information included in the limited set of user record information received via the user interface;

extract one or more pieces of personally identifiable information from the image of the government identification document;

modify the user record to populate one or more fields of the user record with the one or more pieces of personally identifiable information extracted from the image of the government identification document, thereby creating an enhanced user record; and

send a set of application data to a server computer for processing, the set of application data comprising an enhanced set of user record information contained in the enhanced user record;

wherein the server computer is executable to:

based on a request to approve a user application from the mobile application, connect to a plurality of remote information provider systems to retrieve a set of information provider data referenced by approval rules using personally identifiable information from the enhanced set of user record information;

determine if the user application is approved based on the approval rules and the set of information provider data;

based on a determination that the user application is not approved, send a decision response to the mobile application indicating denial of the user application; and

based on a determination the user application is approved, send a decision response to the mobile application indicating approval of the user application.

2. The computer system of claim 1 , wherein the mobile application is further executable to:

pre-fill a plurality of editable fields in the user interface with the personally identifiable information extracted from the image and enabling confirmation of the personally identifiable information extracted from the image; and

receive a user input based on a user interaction with the graphical user interface, the user input confirming the personally identifiable information in the editable fields;

wherein the mobile application modifies the limited set of user record information with the personally identifiable information extracted from the image based responsive to the user input confirming the personally identifiable information in the editable fields.

3. The computer system of claim 1 , wherein the mobile application further comprises an interface for a remote identification verification service and is further executable to:

based on receiving the image of the government issued identification document, connect to the remote identification verification service and provide the image to the remote identification verification service;

receive an identification verification signal responsive to the image from the remote identification verification service; and

based on the identification verification signal indicating the government issued identification document is authentic, continue an application approval process to enhance the limited set of user record information.

4. The computer system of claim 1 , wherein the mobile application further comprises an interface for a remote data extraction service and is further executable to:

connect to the remote data extraction service;

provide the image of the government issued identification document to the third party data extraction service; and

receive the personally identifiable information extracted from the image of the government issued identification document from the data extraction service.

5. The computer system of claim 1 , further comprising:

a data store storing approval rules; and

the server computer, the server computer comprising a server computer processor and a server data application and coupled to the data store, the server data application executable to process a user application according to the approval rules to approve or deny the user application, the user application comprising the set of application data.

6. The computer system of claim 5 , wherein the server computer comprises a set of application program interfaces (APIs) specifically configured for a plurality of remote information provider systems, wherein the server data application is further executable to retrieve a set of information provider data using the APIs.

7. The computer system of claim 5 , wherein the mobile application is further executable to:

based on the decision response indicating denial of the user application, present an application page requesting additional user information and responsive to receiving the additional user information, generate a request to approve the user application, the user application comprising the additional user information; and

based on the decision response indicating approval of the user application, present an application page indicating approval of the user application.

8. The computer system of claim 7 , wherein the approval rules comprise fraud detection rules, identity verification rules, income verification rules and affordability rules.

9. The computer system of claim 5 , wherein the approval rules comprise a credit check rule referencing data from a credit report from a crediting reporting service and the server data application is executable to:

connect to the credit reporting service and retrieve the credit report for the user using the enhanced set of user record information; and

determine if the application passes the credit check based on applying the credit check rule to the retrieved credit report.

10. The computer system of claim 5 , wherein the approval rules comprise an identity verification rule referencing data from a remote identity verification service and the server data application is executable to:

connect to the remote identity verification service and retrieve identity verification data for the user using the enhanced set of user record information; and

determine if the application passes the identity verification rule based on applying the identity verification rule to the retrieved identity verification data.

11. The computer system of claim 5 , further comprising a maximum debt-to-income ratio (DTI) and maximum payment-to-income ratio (PTI) stored in the data store, wherein the approval rules comprise an affordability rule that specifies a credit report from a credit reporting service and wherein the server data application is further executable to:

connect to the credit reporting service and retrieve a soft pull credit report for the user using personally identifiable information from the enhanced set of user record information, the credit report comprising trade lines;

analyzing the trade lines in the credit report to determine a monthly debt obligation;

determine a current DTI for the user from a user income and the monthly debt obligation;

determine an affordability score for the user, the affordability score for the user comprising a monthly payment that does not exceed the maximum PTI and when added to a specified income for the user, does not exceed the maximum DTI; and

enhance the set of application data with the affordability score.

12. The computer system of claim 11 , further comprising a maximum payment limit, wherein the affordability score is limited by the maximum payment limit.

13. The computer system of claim 11 , wherein the user income is a verified income.

14. The computer system of claim 13 , wherein the server data application is further executable to determine the verified income using at least two different income measures selected from a projected income determined based on financial transactions in a financial account of the user, a self-reported income and an estimated income.

15. The computer system of claim 5 , wherein the approval rules further comprise an income verification rule to verify a user's income, the income verification rule referencing a self-reported income collected in the limited set of user record information and an estimated income from an income estimation service, wherein the server data application is further executable to:

connect to the income estimation service and retrieve the estimated income for the user from the income estimation service using personally identifiable information from the enhanced set of user record information; and

determine a verified income from the estimated income and self-reported income based on the income verification rule.

16. The computer system of claim 1 , further comprising an income prediction model stored in the data store, the income prediction model referencing an estimated income from an income estimation service and a projected income determined based on financial transactions in a financial account of the user, wherein the approval rules comprise an income verification rule that references a predicted income from the income prediction model and server data application is further executable to:

connect to the income estimation service and retrieve the estimated income for the user from the income estimation service using personally identifiable information from the enhanced set of user record information;

retrieve the projected income for the user based on financial transactions in the financial account of the user, wherein the projected income is retrieved using credentials provided by the user to the mobile application;

determine the predicted income based on the income prediction model and using the projected income and the estimated income; and

determine a verified income according to the income verification rule using the predicted income determined from the income prediction model and a self-reported income from the limited set of user record information.

17. The computer system of claim 1 , further comprising an income prediction model stored in the data store, the income prediction model referencing an estimated income from an income estimation service and a projected income determined based on financial transactions in a financial account of the user, wherein the approval rules comprise an income verification rule that references a predicted income from the income prediction model, the estimated income and a self-reported income from the limited set of user record data and wherein the server data application is further executable to:

connect to the income estimation service and retrieve the estimated income for the user from the income estimation service using personally identifiable information from the enhanced set of user record information;

retrieve the projected income for the user based on financial transactions in the financial account of the user, wherein the projected income is retrieved using credentials provided by the user to the mobile application;

determine the predicted income based on the income prediction model and using the projected income and the estimated income; and

determine a verified income according to the income verification rule using the predicted income determined from the income prediction model, the self-reported income from the limited set of user record information and the estimated income.

18. A computer program product comprising a non-transitory computer readable medium comprising a set of computer instructions executable to perform a method comprising:

presenting a graphical user interface in a display of a mobile device, the graphical user interface comprising a series of application pages having inputs for a limited set of user record information;

generating a user record;

receiving the limited set of user record information via the user interface, the limited set of user record information including comprising an image of a government issued identification document;

populating one or more fields of the user record with pieces of information included in the limited set of user record information received via the user interface;

extracting one or more pieces of personally identifiable information from the image of the government identification document;

modifying the user record to populate one or more fields of the user record with the one or more pieces of personally identifiable information extracted from the image of the government identification document, thereby creating an enhanced user record; and

sending a set of application data from the mobile device to a server computer for processing, the set of application data comprising an enhanced set of user record information contained in the enhanced user record;

wherein the server computer is executable to perform:

based on a request to approve a user application from the mobile application, connecting to a plurality of remote information provider systems to retrieve a set of information provider data referenced by approval rules using personally identifiable information from the enhanced set of user record information;

determining if the user application is approved based on the approval rules and the set of information provider data;

based on a determination that the user application is not approved, sending a decision response to the mobile application indicating denial of the user application; and

based on a determination the user application is approved, sending a decision response to the mobile application indicating approval of the user application.

19. The computer program product of claim 18 , wherein the method further comprises:

pre-filling a plurality of editable fields in the user interface with the personally identifiable information extracted from the image to allow the user to confirm the personally identifiable information extracted from the image; and

receiving a user input based on a user interaction with the graphical user interface confirming the personally identifiable information in the editable fields;

wherein the enhancing the limited set of user record information with personally identifiable information extracted from the image is performed responsive to the user input confirming the personally identifiable information in the editable fields.

20. The computer program product of claim 19 , wherein the method further comprises:

receiving an update to a piece of personally identifiable information displayed in an editable field from the plurality of editable fields; and

enhancing the limited set of user record information with the updated piece of personally identifiable information.

21. The computer program product of claim 18 , wherein the method further comprises:

based on receiving the image of the government issued identification document, connecting the mobile device to a remote identification verification service and providing the image to the remote identification verification service;

receiving an identification verification signal at the mobile device from the remote identification verification service, the identification verification signal responsive to the image; and

based on the identification verification signal indicating the government issued identification document is authentic, continuing an application approval process to enhance the limited set of user record information.

22. The computer program product of claim 18 , wherein the method further comprises:

connecting the mobile device to a third party data extraction service;

providing the image of the government issued identification document to the third party data extraction service; and

receiving the personally identifiable information extracted from the image of the government issued identification document at the mobile device from the data extraction service.