DYNAMICALLY MODIFYING AN APPLICATION QUESTIONNAIRE

摘要

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.

主权项

1. A system, comprising:
one or more processors configured to:
calculate a user risk score associated with a user, the user risk score based on a user payment history; andselect a first subset of repayment questions from a set of repayment questions, the subset of repayment questions determined using the user risk score and type of user device; an interface communicatively coupled to the one or more processors, the interface configured to:
communicate the first subset of repayment questions to the user via a user device;receive answers to the first subset of repayment questions from the user via the user device; and the one or more processors further configured to determine a second subset of repayment questions based on the answers to the first subset of repayment questions; the interface further configured to:
communicate the second subset of repayment questions to the user via the user device; andreceive answers to the second subset of repayment questions from the user via the user device; the one or more processors further configured to:
perform a verification to determine whether the answers to the first subset of repayment questions are accurate by comparing the answers to the first subset of repayment questions to user information associated with the user; anddetermine a third subset of repayment questions if the verification indicates that the answer to one or more of the first subset of repayment questions is not accurate; the interface is further configured to:
communicate the third subset of repayment questions to the user from the user via the user device; andreceive answers to the third subset of repayment questions from the user via the user device; the one or more processors further configured to determine a plurality of repayment plans based on the user risk score, the answers to the first subset of repayment questions, the answers to the second subset of repayment questions, and the answers to the third subset of repayment questions; and the interface further configured to communicate one or more of the plurality of repayment plans to the user via the user device.