Patent ID: 7925589

Claim:
A method for authorizing access to an account for modification of a loan, the method comprising: receiving an indication of the loan to be modified; providing a printed authorization document to an account owner, wherein: the authorization document comprises an enrollment passcode, the enrollment passcode is only provided to the account owner on the authorization document; the enrollment passcode confirms the account owner has possession of the printed authorization document; the authorization document includes information designating the purpose of the document as being for, at least, authorizing access to the one or more accounts, and the authorization document includes terms, including a revocation provision allowing the account owner to revoke authorization for an entity modifying the loan to access the one or more accounts previous established using the enrollment passcode; receiving, at an interactive voice response system, an authorization request from the account owner via a voice network, wherein the authorization request includes the passcode; based at least in part on the passcode received at the interactive voice response system, authorizing access to the account associated with the account owner; receiving planning characteristics in relation to the account from the account holder following access to the account being authorized; providing projected results to the account holder at least partially based on the planning characteristics; implementing a plan to modify the loan at least partially based on the planning characteristics; and receiving a revocation from the account holder in accordance with the revocation provision.