Patent Document ID: 9582829
Application ID: 14270483

Base Claim:
1. A system, comprising: one or more processors communicatively coupled to an interface, and configured to: calculate, by the one or more processors, a user risk score associated with a user, the user risk score based on a user payment history; determine, by the one or more processors, a question length correlating with a type of user device; determine, by the one or more processors, a number of questions correlating with the user risk score; select, by the one or more processors, a first subset of repayment questions from a set of repayment questions based on the determined question length and the determined number of questions; communicate, using the interface, the first subset of repayment questions to the user via a user device; receive, using the interface, answers to the first subset of repayment questions from the user via the user device; determine, by the one or more processors, a second subset of repayment questions based on the answers to the first subset of repayment questions; communicate, using the interface, the second subset of repayment questions to the user via the user device; and receive, using the interface, answers to the second subset of repayment questions from the user via the user device; perform, by the one or more processors, a verification to determine whether the answers to the first subset of repayment questions are accurate by comparing the answers to the first subset of repayment questions to user information associated with the user; and determine, by the one or more processors, a third subset of repayment questions when the verification indicates that the answer to one or more of the first subset of repayment questions is not accurate; communicate, using the interface, the third subset of repayment questions to the user from the user via the user device; and receive, using the interface, answers to the third subset of repayment questions from the user via the user device; determine, by the one or more processors, a plurality of repayment plans based on the user risk score, the answers to the first subset of repayment questions, the answers to the second subset of repayment questions, and the answers to the third subset of repayment questions; and communicate, using the interface, one or more of the plurality of determined repayment plans to the user via the user device.

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Claim 7:
7. The system of claim 1 , wherein the interface is further configured to: receive an acceptance from the user accepting one of the repayment plans in the plurality of repayment plans; receive billing information from the user; and communicate the accepted repayment plan and billing information to an external payment service.