Patent ID: 8914307

Claim:
A method, comprising: receiving, at a client access module, a request from a client to process a loan transaction, wherein the request is to make a payment or receive loan funds through the client access module and comprises account information and is associated with a particular loan system, wherein the client access module is configured to receive requests to make payments and receive loan funds; determining, by a processor, the particular loan system associated with the request; determining one or more rules associated with the request and a selected one of the client access module and the particular loan system, the rules associated with a prepayment penalty when making the payment or receiving the loan funds through the client access module; applying, by the processor, the one or more determined rules to the request using the account information; based on the rules, determining, by the processor, whether the request is granted or preliminarily denied; based on a determination that the request is preliminarily denied, performing the following: transmitting a first message that causes first information to be displayed to the client via the client access module indicating that the request is being further processed while not indicating the determination of preliminary denial of the request; transmitting a second message to a reviewer requesting review of the preliminary denial; and upon receiving a third message from the reviewer that the preliminary denial is overruled, transmitting a fourth message that causes second information to be displayed to the client via the client access module indicating that the request is granted.