Bank of America Corporation

Anna Vladimirovna Starikova

Linda Ann Eddy

Amanda Jane Summers

Dana Renee Wassam

Kera Porri Smith

Brian J Dunne

In some embodiments, a system identifies content for display on a user device. The system determines a device category associated with the user device. The system determines that the content for display on the user device comprises at least one of a group comprising a plurality of bank product options, a user assistance option associated with one or more of the plurality of bank product options, a plurality of questions associated with one or more of the plurality of bank product options, and a disclosure associated with acceptance of a selected bank product option of the plurality of bank product options. The system determines a presentation format for the content according to presentation rules that determine presentation format for the content on the user device according to the content and the determined device category.

Customizing content presentation format in accordance with the category of device used to access the content

In some embodiments, a system calculates a user risk score, and determines a first subset of questions using the user risk score and type of user device. The system communicates and receives answers to the first subset of questions. The system determines a second subset of questions based on the answers to the first subset of questions. The system communicates and receives answers to the second subset of questions. The system determines whether the answers to the first subset of questions are accurate. If the verification indicates that the answer to one or more of the first subset of questions is not accurate, the system determines a third subset of questions. The system communicates and receives answers to the third subset of questions. The system determines a plurality of repayment plans based on the user risk score and the answers to the first, second, and third subset of questions.

Dynamically modifying an application questionnaire

In accordance with embodiments of the present disclosure, an apparatus may include a network interface configured receive data from and communicate data to a remote electronic device and a processor coupled to the network interface. The processor may be configured to receive, via a user interface of the remote electronic device and the network interface, credentials for identifying a customer; and determine, based on known information regarding the customer available at the time of receipt of the credentials, whether the customer is eligible to apply for a payment program an account with a past-due amount.

Customer assistance system

An apparatus may include a network interface configured to receive data from and communicate data to a remote electronic device and a processor coupled to the network interface. The processor may be configured to display to the user interface an electronic query regarding whether the customer is willing to pay at least a portion of the past-due amount, receive via the user interface and the network interface a response to the query and, in response to a customer indication that the customer is unwilling to pay at least a portion of the past-due amount, and determine, based on known information regarding the customer, whether the customer is eligible for a payment program for an account with a past-due amount.

In accordance with embodiments of the present disclosure, an apparatus may include a network interface configured to receive data from and communicate data to a remote electronic device and a processor coupled to the network interface. The processor may be configured to receive, via a user interface at the remote electronic device and the network interface, credentials for identifying a customer, and to display to the user interface a notification that the customer owes a past-due amount on at least one loan account. The processor may also be configured to display to the user interface a plurality of options regarding the account. The processor may further be configured to receive via the user interface and the network interface, a selected option from the plurality of options.

Growing community of inventors

Santa Clarita, CA, United States of America

Anna Vladimirovna Starikova