BR9611941A - Sistema e disposição para executar exames e aprovação de solicitações de créditos e de obrigações on line. - Google Patents

Sistema e disposição para executar exames e aprovação de solicitações de créditos e de obrigações on line.

Info

Publication number
BR9611941A
BR9611941A BR9611941-1A BR9611941A BR9611941A BR 9611941 A BR9611941 A BR 9611941A BR 9611941 A BR9611941 A BR 9611941A BR 9611941 A BR9611941 A BR 9611941A
Authority
BR
Brazil
Prior art keywords
credit
applicant
obligations
approval
online
Prior art date
Application number
BR9611941-1A
Other languages
English (en)
Inventor
Lawrence Sussman
Mona Mayr
Charles G Dean Jr
Dennis Selb
Richard Musci
Original Assignee
Citibank Na
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Citibank Na filed Critical Citibank Na
Publication of BR9611941A publication Critical patent/BR9611941A/pt

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Economics (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Credit Cards Or The Like (AREA)

Abstract

<B>"SISTEMA E DISPOSIçãO PARA EXECUTAR EXAMES E APROVAçõES DE SOLICITAçõES DE CRéDITOS E DE OBRIGAçõES ONLINE"<D>. A presente invenção trata de um sistema computadorizado, que opera em tempo real, para processar solicitações de produtos e serviços oferecidos por uma instituição financeira. O sistema automatiza o processo de exame e de aprovação de crédito e de obrigações, a execução de avaliações antecedentes de mérito de crédito fundamentadas na classificação de crédito (28) do requerente (10), a informação financeira e o novo ou já existente relacionamento com a instituição financeira (52), e recomenda a aqueles requerentes (10) que excederam o critério inicial para fins de crédito, produtos específicos de crédito com valores predeterminados de ofertas qualificadas de crédito. O sistema imediatamente analisa um histórico de uma agência de crédito (30, 32, 34) de um requerente (10) e uma classificação de crédito automatizada (28), fornecendo estes resultados a um representante da filial local (12). O sistema pode suprir requerentes com aprovação visualizada condicional (fundamentada no histórico da agência de crédito de avaliação sistemática, classificação do crédito, capacidade de débito e novos ou já existentes relacionamentos de requerentes), sujeitos à verificações necessárias.
BR9611941-1A 1995-12-12 1996-12-12 Sistema e disposição para executar exames e aprovação de solicitações de créditos e de obrigações on line. BR9611941A (pt)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US853895P 1995-12-12 1995-12-12
US08/758,770 US6088686A (en) 1995-12-12 1996-12-03 System and method to performing on-line credit reviews and approvals
PCT/US1996/019228 WO1997022073A1 (en) 1995-12-12 1996-12-12 System and method for performing on-line reviews and approvals of credit and liability applications

Publications (1)

Publication Number Publication Date
BR9611941A true BR9611941A (pt) 1999-12-28

Family

ID=26678297

Family Applications (1)

Application Number Title Priority Date Filing Date
BR9611941-1A BR9611941A (pt) 1995-12-12 1996-12-12 Sistema e disposição para executar exames e aprovação de solicitações de créditos e de obrigações on line.

Country Status (9)

Country Link
US (1) US6088686A (pt)
EP (1) EP0954811A1 (pt)
JP (1) JP2002515991A (pt)
CN (1) CN1251187A (pt)
AR (1) AR010204A1 (pt)
AU (1) AU713746B2 (pt)
BR (1) BR9611941A (pt)
CA (1) CA2239713A1 (pt)
WO (1) WO1997022073A1 (pt)

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