Abstract: 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.

Abstract: 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.

Abstract: In some embodiments, a system receives a notice indicating a loan past due associated with a user. The system calculates a user risk score associated with the user with the user risk score based on a user payment history. The system determines a plurality of repayment plans for the user using the calculated user risk score, and calculates a repayment plan value score for each repayment plan. The system orders each repayment plan according to the repayment plan value score, and generates a repayment plan queue of the plurality of the ordered repayment plans. The system communicates a first repayment plan in the repayment plan queue to the user.

Abstract: A system includes a memory operable to store user data and a processor communicatively coupled to the memory. The processor is operable to identify a first user, access user data associated with the first user, and determine whether to provide a first alert to the first user. The processor selects a first alert format and a first alert type according to the user data associated with the first user. The processor communicates the first alert to the first user in accordance with the selected first alert format and first alert type. The processor identifies a second user, accesses user data associated with the second user, and determines whether to provide a second alert to the second user. The processor selects a second alert format and a second alert type and communicates the second alert to the second user in accordance with the selected second alert format and second alert type.

Abstract: In some embodiments, a system identifies a bank product flow associated with a user interacting with a website. The system accesses proactive chat session triggering rules associated with the identified bank product flow. The system monitors activity of the user interacting with the website. The system determines whether the activity of the user satisfies a trigger specified in the proactive chat session triggering rules associated with the identified bank product flow. The system determines availability of a customer service agent to engage in a chat session with the user. In accordance with the availability of the customer service agent, the system initiates the chat session between the user and the customer service agent associated with the bank product flow without waiting for the user to initiate the chat session.

Abstract: In some embodiments, a system facilitates receipt of a request from a user via a graphical user interface on a user device for a service agent to initiate a communication to the user using a first communication type. In response to receiving the request from the user, the system initiates a first communication attempt to the user using the first communication type. The system determines that the first communication attempt using the first communication type is not successful. The system accesses the rules for communicating with the user. In response to determining that the first communication attempt using the first communication type did not reach the first user, the system initiates a second communication attempt using a second communication type according to the rules for communicating with the user.

Abstract: 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.

Abstract: In some embodiments, a system receives promise-to-pay information associated with a loan past due from a user. The promise-to-pay information comprises a promised amount, a promised date, and a payment form. The system determines a minimum promise-to-pay amount for the user. If the promised amount is greater than the minimum promise-to-pay amount, the system determines an external payment service based on the payment form. The external payment service is a payment service that processes a payment for the promised amount. The system communicates to the determined external payment service portions of the promise-to-pay information used to process the payment for the promised amount within a predetermined time period before the promised date, and communicates an alert to the user.

Abstract: A system includes a memory operable to store user data associated with a user and a processor communicatively coupled to the memory. The processor receives a promise to perform from a user and determines whether the user has scheduled a payment associated with the promise to perform. The processor accesses, in response to determining that the user has not scheduled a payment, the user data associated with the user. The processor determines whether to communicate an alert reminding the user of the promise to perform and selects, in response to a determination to communicate the alert, one or more alert types according to the user data associated with the user. The processor determines, according to the user data associated with the user, an alert frequency, and communicates the alert to the user in accordance with the selected one or more alert types and the determined alert frequency.

Abstract: In some embodiments, a system receives information about a first loan and information about a second loan. The system calculates a user risk score based on a user payment history, a first loan priority score, and a second loan priority score. The system generates a single loan payment plan for the first loan and the second loan using the first loan priority score, the second loan priority score, and the user risk score. The system receives a payment associated with the single loan payment plan. The processor subdivides the payment into a first loan payment and a second loan payment using the first loan priority score and the second loan priority score. The system transfers the first loan payment to the first line of business and the second loan payment to the second line of business.

Abstract: In some embodiments, a system receives an image file from a user device. The image file depicts a financial document that a customer selects to submit to a bank for inclusion in an application for a bank product. The system associates the image file with the application and determines whether receipt of the image file completes the application. If yes, the system sends the application to a review process configured to determine whether to approve the application. If no, the system determines a time period for the customer to complete the application and, after the time period has elapsed, initiates communication with instructions for completing the application.

Abstract: In some embodiments, a system provides an interactive communication session between the user and a service agent associated with an enterprise. During the interactive communication session between the user and the service agent, the system provides the user with access to an online environment associated with the enterprise via a graphical user interface displayed on a user device. The system accesses the user's transaction history associated with the enterprise. The system accesses the rules for displaying the user's transaction history. The system identifies at least a portion of the user's transaction history associated with the enterprise according to the rules for displaying the user's transaction history. During the interactive communication session, the system provides the at least the portion of the user's transaction history associated with the enterprise to the user via the graphical user interface of the user device.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.