Patent ID: 7620580
Filing Date: 2009-11-17
Classification: G06Q

Abstract:
1. A method for interfacing with a financial institution using a computer interface, the method comprising the steps of: (a) receiving a customer's interface request at the financial institution; (b) sending a first content to the customer wherein said first content is presented to the customer and wherein said first content includes a list comprising one or more products; (c) receiving at the financial institution a first input from the customer wherein said first input is based at least on said first content and includes a choice of one or more of said products; (d) determining if the customer is a current online client of the financial institution; (e) if the customer is a current online client, receiving from the customer a first set of information and if said first set of information is verified by the financial institution, sending a second content to the customer; (f) if the customer is not a current online client or if said first set of information is not verified by the financial institution, requesting a second set of information from the customer and determining a status of the customer, comprising: (g) performing a suitability check on the customer or pending customer based on at least the first input; (h) approving the customer or pending customer for the chosen product based at least on the suitability check or flagging the customer as a pending customer if not approved for the chosen product based at least on the suitability check; and (i) sending a third content to the customer or pending customer based at least on a set of qualification criteria wherein said third content includes a list comprising one or more cross-sell products.