US 11,854,075 B1
Systems and methods for end-to-end consumer lending and financing solutions for the consolidation of debt
Charles H. May, Pittsburgh, PA (US); Daniel Tallarico, Pittsburgh, PA (US); Jason Faybik, Pittsburgh, PA (US); Granville Wagner, Pittsburgh, PA (US); Roxanne Hutchinson, Pittsburgh, PA (US); Kelly Price, Pittsburgh, PA (US); Dejan Pujic, Broadview, OH (US); and Rahul Deol Sinha, Pittsburgh, PA (US)
Assigned to The PNC Financial Services Group, Inc., Pittsburgh, PA (US)
Filed by The PNC Financial Services Group, Inc., Pittsburgh, PA (US)
Filed on Mar. 29, 2021, as Appl. No. 17/301,205.
Claims priority of provisional application 63/001,809, filed on Mar. 30, 2020.
Int. Cl. G06Q 30/02 (2023.01); G06Q 30/06 (2023.01); G06Q 40/03 (2023.01); G06Q 30/0601 (2023.01); G06Q 30/0283 (2023.01)
CPC G06Q 40/03 (2023.01) [G06Q 30/0283 (2013.01); G06Q 30/0641 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A communication system comprising:
a centrally accessed platform including a host system, a server, a database, a plurality of third party computer devices, and a communication network;
a client device in communication with the host system; and
a loan officer device in communication with the host system;
wherein:
each third party computer device includes data that is disparate from another third party computer device;
the host system is configured transmit data to the client device and generate a graphical user interface (GUI), the GUI including a field to receive a user-defined goal associated with borrowing money to consolidate a plurality of debts held by the user, the GUI further including an operating module to facilitate data entry to the host system by a user via the client device and data retrieval by the host system from the database and the plurality of third party computer devices, the data including a total consolidated debt comprising the plurality of debts held by the user, the data being stored in memory of the host system, wherein the host system is configured to generate a code or receive a code via the client device, and the code is configured to recall, via the client device and the loan officer device, the data stored in memory of the host system;
the operating module is configured to perform steps including:
generating a financial solution for borrowing money to consolidate the plurality of debts, the financial solution comprising a plurality of financial solution products dynamically calculated based on data entered and data retrieved, the financial solution presented to the user via the client device, each financial solution product associated with the user-defined goal, wherein the presentation provides the user with access to the plurality of financial solution products;
generating an itemized debt table including the plurality of debts and the plurality of financial solution products;
provide the user a selection object to select at least one financial solution product from the plurality of financial solution products;
generating, for each of the selected financial solution products, an itemized debt confirmation window that includes a debt summary table, an expected payoff date, and the overall interest the user will pay if the user makes the monthly payments to satisfy the total consolidated debt;
generating a financial solution product application display, allowing the user of the client device to apply for any one or combination of the selected financial solution products within the itemized debt confirmation window by transmitting details of the any one or combination of the selected financial solution product to the loan officer device and;
displaying to the user the itemized debt confirmation window and the financial solution product application display.