Granted Patent B2

US 12,646,119 · App. 18/152,543 · Granted Jun 2, 2026

Inventors: John David Bleazard (Katy, TX); Gary Wayne Petty (Conroe, TX); Ethan Caleb Ferrell (Houston, TX)

Assignee: eCU Technology, LLC

G06Q40/06G06F8/20G06F8/76G06F8/77G06Q40/02

Abstract

Claims (59)

1 . A method for building an online application platform for a client institution, the method comprising:

providing a default configuration for the online application platform stored in a computer memory, the default configuration comprising a default application framework and a default theme,

the default application framework defining a default set of account types, a default set of products for an application, and default sets of application processes associated with each of the default set of account types and the default set of products; and

the default theme defining an appearance of the online application platform;

providing a management platform executing on one or more processors and accessible via a backend user interface by the client institution, the management platform including a framework tool for customizing the default application framework and a theme tool for customizing the default theme;

receiving, by the framework tool via the backend user interface associated with the management platform, a first set of inputs associated with a selection of a set of products from a list of predefined products and a set of application processes associated with the selected set of products, wherein the selected set of products and the selected set of application processes associated with the selected set of products are to be accessible via the online application platform;

converting, by the framework tool executing on the one or more processors, the default application framework into a customized application framework, the converting comprising automatically modifying computer code associated with the online application platform stored in the computer memory such that the selected set of products and the selected set of application processes associated with the selected set of products are accessible via the online application platform;

receiving, by the theme tool via the backend user interface associated with the management platform, a second set of inputs, each input of the second set of inputs associated with a selection of a value for a respective characteristic of the appearance of the online application platform;

converting, by the theme tool executing on the one or more processors, the default theme into a customized theme, the converting comprising automatically modifying visual display code associated with the appearance of the online application platform stored in the computer memory to reflect the selected values for the respective characteristics; and

providing, from the backend user interface to a frontend user interface located remotely from the backend user interface via a network, a customized configuration of the online application platform comprising the customized application framework and the customized theme by transmitting the modified computer code and the modified visual display code over the network to a remote computing device.

2 . The method of claim 1 , wherein the first set of inputs includes an input associated with a deselection of a product in the default set of products and a deselection of an application process in the default set of application processes associated with the deselected product.

3 . The method of claim 1 , wherein the first set of inputs includes an input associated with a selection of a product from the list of predefined products that is not already present in the default set of products and a selection of an application process associated with the selected product that is not already present in the default set of application processes.

4 . The method of claim 1 , further comprising:

receiving, by the framework tool via the backend user interface associated with the management platform, a third set of inputs associated with a selection of a set of account types from a list of predefined account types and a selection of a set of application processes associated with the selected set of account types, wherein each of the set of account types corresponds to a different type of membership for the client institution,

wherein converting, by the framework tool, the default framework into the customized framework, further comprises modifying the online platform to make the selected set of account types and the selected set of application processes associated with the selected set of account types available to users via the online application platform.

5 . The method of claim 1 , further comprising:

receiving, by the framework tool via the backend user interface associated with the management platform, a third set of inputs associated with an addition of a set of document types; and

wherein converting, by the framework tool, the default framework into the customized framework, further comprises modifying the online platform to at least one of generate or enable an upload of documents associated with the set of document types by the user via the frontend user interface.

6 . The method of claim 1 , further comprising:

receiving, by the framework tool via the backend user interface associated with the management platform, a third set of inputs associated with a selection of a set of product groups from a list of predefined product groups that is different from a default set of product groups included in the default framework; and

wherein converting, by the framework tool, the default framework into the customized framework, further comprises modifying the online platform to allow only products corresponding to the set of product groups, and only application processes associated with those products, to be accessible via the online application platform.

7 . The method of claim 1 , further comprising:

receiving, by the framework tool via the backend user interface associated with the management platform, a third set of inputs associated with a selection of a set of third-party services from a list of predefined third-party services that is different from a default set of third party services included in the default application framework; and

wherein converting, by the framework tool, the default framework into the customized framework, further comprises modifying the online application platform to allow communication between the online application platform and the set of third-party services.

8 . The method of claim 1 , wherein the second set of inputs includes at least one of:

a first input, wherein the value is selected for the respective characteristic of a primary color of the appearance of the online application platform;

a second input, wherein the value is selected for the respective characteristic of a secondary color of the appearance of the online application platform;

a third input, wherein the value is selected for the respective characteristic of an accent color of the appearance of the online application platform; or

a fourth input, wherein the value is selected for the respective characteristic of an alternate color of the appearance of the online application platform.

9 . The method of claim 1 , wherein the second set of inputs includes at least one of:

a first input, wherein the value is selected for the respective characteristic of a background color of the appearance of the online application platform;

a second input, wherein the value is selected for the respective characteristic of a body text color of the appearance of the online application platform;

a third input, wherein the value is selected for the respective characteristic of a success color for the online application platform; or

a fourth input, wherein the value is selected for the respective characteristic of an error color for the online application platform.

10 . The method of claim 1 , wherein the second set of inputs includes an input in which the value is selected for the respective characteristic of a logo for the online application platform, wherein the value comprises an image for the logo.

11 . The method of claim 1 , wherein the theme tool comprises a characteristic modifier for making changes to a plurality of characteristics that includes the respective characteristic and a preview section that previews the appearance of the online application platform based on the changes.

12 . A system for building an online application platform for a client institution, the system comprising:

a memory containing a machine-readable medium containing instructions; and

a processor coupled to the memory, the processor configured to execute the instructions to cause the processor to:

provide a default configuration for an online application platform, the default configuration comprising a default application framework and a default theme,

the default application framework defining a default set of account types, a default set of products for an application, and default sets of application processes associated with each of the default set of account types and the default set of products; and

the default theme defining an appearance of the online application platform;

provide a management platform accessible via a backend user interface by the client institution, the management platform including a framework tool for customizing the default application framework and a theme tool for customizing the default theme;

receive, by the framework tool via the backend user interface associated with the management platform, a first set of inputs associated with a selection of a set of products from a list of predefined products and a set of application processes associated with the selected set of products, wherein the selected set of products and the selected set of application processes associated with the selected set of products are to be accessible via the online application platform;

convert, by the framework tool, the default application framework into a customized application framework, the converting comprising modifying the online application platform such that the selected set of products and the selected set of application processes associated with the selected set of products are accessible via the online application platform;

receive, by the theme tool via the backend user interface associated with the management platform, a second set of inputs, each input of the second set of inputs associated with a selection of a value for a respective characteristic of the appearance of the online application platform;

convert, by the theme tool, the default theme into a customized theme, the converting comprising automatically modifying visual display code associated with the appearance of the online application platform to reflect the selected values for the respective characteristics; and

provide, from the backend user interface to a frontend user interface located remotely from the backend user interface via a network, a customized configuration of the online application platform comprising the customized application framework and the customized theme.

13 . The system of claim 12 , wherein the first set of inputs includes an input associated with a deselection of a product in the default set of products and a deselection of an application process in the default set of application processes associated with the deselected product.

14 . The system of claim 12 , wherein the first set of inputs includes an input associated with a selection of a product from the list of predefined products that is not already present in the default set of products and a selection of an application process associated with the selected product that is not already present in the default set of application processes.

15 . The system of claim 12 , wherein the processor is further configured to execute the instructions to cause the processor to:

receive, by the framework tool via the backend user interface associated with the management platform, a third set of inputs associated with a selection of a set of account types from a list of predefined account types and a selection of a set of application processes associated with the selected set of account types, wherein each of the set of account types corresponds to a different type of membership for the client financial institution; and

wherein the conversion, by the framework tool, of the default application framework into the customized application framework further comprises modifying the online application platform to make the selected set of account types and the selected set of application processes associated with the selected set of account types accessible via the online application platform.

16 . The system of claim 13 , wherein the processor is further configured to execute the instructions to cause the processor to:

receive, by the framework tool via the backend user interface associated with the management platform, a third set of inputs associated with an addition of a set of document types; and

wherein the conversion, by the framework tool, of the default application framework into the customized application framework further comprises modifying the online application platform to at least one of generate or enable an upload of documents associated with the set of document types by the applicants via the frontend user interface.

17 . The system of claim 12 , wherein the processor is further configured to execute the instructions to cause the processor to:

receive, by the framework tool via the backend user interface associated with the management platform, a third set of inputs associated with a selection of a set of third-party services, from a list of predefined third-party services, that is different from a default set of third party services included in the default application framework; and

convert, by the framework tool, the default application framework into the customized application framework, by modifying the online application platform to allow communication between online application platform and the set of third-party services.

Assignments (2)

Continuity (2)

References Cited (12)