Zachary T Olroyd

US Patent:

20160171600, Jun 16, 2016

Filed:

Nov 12, 2015

Appl. No.:

14/757042

Inventors:

- Scottsdale AZ, US
Zachary Travis Olroyd - Phoenix AZ, US
Abdu El-Shaarawy - Scottsdale AZ, US
Erin Elizabeth See - Phoenix AZ, US
Jessica Lynn Echeverria - Phoenix AZ, US

International Classification:

G06Q 40/02
G06F 17/30
G06F 17/24

Abstract:

An SaaS solution for web based loan applications is disclosed that provides for a one-click system for automatically gathering personal data of a loan applicant from internal and external data sources and auto-fills an applicant's personal information into a loan application template. As part of the one click process, the loan application is also processed and the lending decision is sent to the applicant. The one click system enables users to apply for financial services quickly and easily. The system queries internal and external data sources for previous financial service applications and uses the data found to populate a current application, in many cases, eliminating the need for any data input from the user. Through the use of several layers of web, database, and security technologies the system streamlines the application process, reducing the number of steps a user must initiate, to a single click. For situations in which the loan applicant's personal data is not readily available, the one click system may be integrated into legacy platforms to enable data to be added manually.