Patent ID: 9552610
Date: 2017-01-24
CPC Classifications: G06Q

Claim:
1. A computer-implemented method for initiating account status remediation via an online banking website, comprising: receiving login information, using an account management system, from an account holder via an account login display presented to the account holder via a user computing device; responsive to receiving the login information, accessing a non-transitory machine-readable storage medium to access a database and retrieving information regarding an account of the account holder from the database; generating a risk assessment of the account holder that indicates a probability of delinquency or default on the account by the account holder based on an amount of the adverse account status and an amount of funds in other accounts of the account holder, using a risk assessment system; selecting a format of presenting an account remediation message to the account holder based on a level of risk determined by the risk assessment system, wherein the format varies according to the level of risk associated with the probability of delinquency or default; delivering, using a collection system, the account remediation message using the format selected, including generating an adverse account status display to prompt the account holder to remediate an adverse account status, the adverse account status display being presented to the account holder to view following the account login display via the user computing device, wherein the adverse account status display comprises the account remediation message generated based on the information retrieved from the database that informs the account holder of an adverse account status of the account; and in response to determining a relatively high degree of risk, generating and providing a splash page configured to display the account remediation message when the account holder logs onto the online banking website, wherein the splash page interrupts a flow of a normal login process to the online banking website.