Abstract: Systems and methods permit the efficient and accurate aggregation and analysis of loan application data as well as the convenient display of the loan application data to a financial service provider. In one embodiment, a computing device associated with a financial service provider receives a loan application containing loan application data. The computing device performs a compliance and underwriting analysis and a verification analysis to validate inputs, authenticate customer identity, ensure compliance with regulatory requirements, and evaluate the risk posed by a loan application, among other features. If the verification analysis indicates that supplemental loan application data is required, the provider computing device generates an application status message identifying the required supplemental data.

Abstract: Systems and methods enable the creation, administration, and enforcement of self-enforcing electronic contracts within a network-based participation exchange as well as the matching of participation opportunities with exchange participants having compatible profiles. In one embodiment, participation opportunity data is provided to an exchange participant computing device, and the exchange participant computing device transmits a participation opportunity purchase request to an exchange network computing device. In response to the purchase request, the exchange network computing device generates an electronic contract.

Abstract: Systems and methods permit flexible and convenient customer account opening to minimize both customer friction and the risk to financial service providers. In one embodiment, a computing device associated with a financial service provider receives an account application containing customer information and a request to open a new account or a request to upgrade an existing account. The computing device performs a verification analysis to validate inputs, authenticate customer identity, ensure compliance with regulatory requirements, or evaluate the risk posed by a customer. The computing device performs a recommendation analysis to determine the appropriate product types and account restrictions that should be offered to a customer, if any. The computing device creates an account application status message indicating approval or denial of the account application.

Abstract: Systems and methods enable the processing of a customer-support request by allowing customers to initiate a support request through a computing device without the need for the customer to provide information relating to the customer's reasons for initiating the request. In one embodiment, a server associated with a provider receives a support request from a customer computing device. The provider server performs predictive analysis to determine the most likely reasons the customer initiated the service request. The provider server also identifies one or more representatives qualified to address the support request and transmits a support request notification to a computing device associated with a provider representative who is qualified to address the request.