US 11,676,203 B2
System for dynamically adjusting a pre-approval letter
Marc L. Diana, Cornelius, NC (US)
Assigned to AVENU TECHNOLOGIES, INC., Salt Lake City, UT (US)
Filed by Avenu Technologies, Inc., Salt Lake City, UT (US)
Filed on Jan. 29, 2021, as Appl. No. 17/162,095.
Claims priority of provisional application 62/968,693, filed on Jan. 31, 2020.
Prior Publication US 2021/0241371 A1, Aug. 5, 2021
Int. Cl. G06Q 40/03 (2023.01); G06F 40/166 (2020.01); G06F 40/131 (2020.01); G06Q 50/16 (2012.01)
CPC G06Q 40/03 (2023.01) [G06F 40/166 (2020.01); G06F 40/131 (2020.01); G06Q 50/16 (2013.01)] 19 Claims
OG exemplary drawing
 
1. A user device, the user device comprising:
a communication interface;
an input/output (I/O) interface; and
processing circuitry, the processing circuitry configured to:
obtain a maximum pre-approval amount available to a customer, the maximum pre-approval amount based on a pre-approval policy that has been pre-authorized by a lender;
generate a graphical user interface comprising an interactive pre-approval field indicating a range of permissible pre-approval amounts equal to or less than the maximum pre-approval amount;
present the graphical user interface via the I/O interface;
receive an input associated with the interactive pre-approval field via the I/O interface, the input indicating a requested pre-approval amount from the range of permissible pre-approval amounts;
generate a pre-approval letter indicating that the customer has been pre-approved for the requested pre-approval amount in response to receiving the input, the pre-approval letter including a pre-authorized signature of the lender and being generated without sending the requested pre-approval amount to the lender;
store both the pre-approval letter and a second pre-approval letter in memory;
receive a request from a user, the request requesting to retrieve either the pre-approval letter or the second pre-approval letter; and
retrieve either the pre-approval letter or the second pre-approval letter from memory based on the request.