WO2000028453A1 - Computer-driven information management system for selectively matching credit applicants with money lenders through a global communications network - Google Patents
Computer-driven information management system for selectively matching credit applicants with money lenders through a global communications network Download PDFInfo
- Publication number
- WO2000028453A1 WO2000028453A1 PCT/US1999/026395 US9926395W WO0028453A1 WO 2000028453 A1 WO2000028453 A1 WO 2000028453A1 US 9926395 W US9926395 W US 9926395W WO 0028453 A1 WO0028453 A1 WO 0028453A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- applicant
- profile
- model
- financial institution
- information
- Prior art date
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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
-
- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- 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
- G06Q40/08—Insurance
Definitions
- This application claims the priority filing date of U.S. Provisional Patent Application Serial No. 60/107,683 filed on November 9, 1998. The complete disclosure of this application is incorporated herein by reference.
- This invention relates to a computer-driven information management system for selectively matching credit applicants with money lenders through a global communications network.
- the system provides a criteria-based, user programmable consumer credit information distribution
- direct financing When an intermediary of any sort, such as a seller of the desired goods, is used to gather and distribute applicant information to one or more finance institutions, the term “indirect financing" is used.
- indirect financing was generally time consuming and costly, and was generally limited to an individual seller's access to finance product resources, and its skill and effort made in finding available finance products suitable for the customer. Moreover, depending on consumer credit quality, most credit applications that a finance institution receives through indirect channels do not result in a favorable
- finance institutions are legally required to process and either approve or deny all credit applications received.
- the finance institution For denied credit applications, the finance institution must prepare and forward a letter to the applicant stating that the application was denied. This procedure is costly and time consuming. It is also expensive for finance institutions to develop and maintain
- One advantage of the present invention is the creation of an automated process for applicant information distribution by indirect channels, and selective reception of this information by finance institutions.
- requested applicant information is keyed into the system by a seller who then creates a potential distribution pattern for this information to finance institutions having access to the system.
- the system automatically adds certain credit history information obtained through a credit bureau to create a unique electronic profile of the applicant.
- Finance institutions can access the system at any time from a different data entry port.
- the finance institution creates a model profile that outlines the characteristics of a desired credit applicant. The system then compares applicant profiles
- model profile of the finance institution acts as a filter to remove from view information of any applicant that falls outside the profiled parameters.
- the system receives applicant information, it checks the information for potential distribution to any finance institution having access to the system.
- the system receives applicant information, it checks the information for potential distribution to any finance institution having access to the system.
- an applicant profile is submitted to a finance institution if the finance institution is among the seller's selected distribution pattern and the applicant profile has characteristics consistent with the finance institution's
- the system allows the finance institution to automatically present the seller with a profile-specific finance product based on just
- the finance institution allows the finance institution to view the electronic profile of the applicant, but without any personal information and no credit bureau information. This abbreviated
- applicant profile does not constitute a "credit application” and thus, no formal approval or denial is required by the finance institution. With this option, the finance institution can have a real person more finely determine the desirability of any given applicant. Even though the model profile will rule out many applicants as undesirable, finance institutions often have human judgment factors built into their approval processes. If the human factor deems the credit applicant unacceptable, the finance institution can simply remove the applicant's profile from their view and conduct no further processing. As yet
- the finance institution can choose to automatically download all data from any applicant profile that meets its model profile.
- the finance institution can choose to automatically download all data from any applicant profile that meets its model profile. In this case, the finance
- credit applicant information is distributed on the basis of criteria established by both sellers and finance institutions.
- JavaScript C++, JANA, Cobalt, CICS, SQL, and various procedural and object-oriented programming languages.
- the management system for selectively matching credit applicants with money lenders through a global communications network.
- the system includes applicant data entry means for entering applicant data into the system.
- the applicant data defines an electronic applicant profile of a credit applicant seeking financing.
- model data is established by the lender and defines an electronic model profile representing characteristics of a desired applicant.
- Filter means electronically compares the applicant profile with the model profile, such that for those credit applicants matching the model
- the applicant data is made available through the system to lender. For those credit applicants not matching the model profile, no applicant data is made available
- the applicant data entry means includes a computer, a keyboard for entering the applicant data into the computer, and global communications means for communicating the applicant data to
- the model data entry means includes a computer, a keyboard for entering the model data into the computer, and global communications means for communicating the model data to the
- term notification means are provided for electronically notifying those credit applicants
- notification means occurs automatically in response to an applicant matching the model
- applicant profile distribution means are provided for simultaneously distributing the applicant
- lender selection means are provided for restricting the distribution of the applicant profile to only those lenders selected by the credit applicant and having access to the system.
- data storing means are provided for electronically storing applicant data received by the lender through the system.
- finance product selection means are provided for selecting a desired finance product from a group of finance products communicated to the system by the lenders.
- the present invention further comprises a method for electronically managing information distribution to credit applicants and money lenders through a global communications network.
- the method includes the steps of entering applicant data and model data into the system.
- the applicant data defines an electronic applicant
- the model data is established by the
- the applicant profile is then electronically compared with the model profile, such that for those credit applicants matching the model profile, the applicant data is made available through the system to lender. For those credit applicants not matching the model profile, no applicant data is made available through the system to the lender.
- the applicant data entry step includes using a computer, a keyboard for entering the applicant data into the computer, and global communications means for communicating the applicant data to the system.
- data entry step includes using a computer, a keyboard for entering the model data into the computer, and global communications means for communicating the model data to the system.
- the method includes the step of retrieving applicant credit information from a credit bureau and incorporating the credit information into the applicant profile.
- the method includes the step of electronically notifying those credit applicants matching the model profile of financing terms set by the lender.
- the term notification step occurs automatically in response to an applicant matching the model
- method includes the step of simultaneously distributing the applicant profile to a number of lenders having access to the system.
- the method includes the step of restricting the distribution of the applicant profile to only
- method includes the step of electronically storing applicant data received by the lender through the system.
- the method includes the step of selecting a desired finance product from a group of finance products communicated to the system by the lenders.
- the System is a three-tier application system with three primary subsystems or “tools”: 1) the afferent distribution programming tool (ADT), 2) the efferent distribution programming tool (EDT), and 3) the automated and non-automated finance product distribution tool (FDT).
- ADT afferent distribution programming tool
- EDT efferent distribution programming tool
- FDT automated and non-automated finance product distribution tool
- a description of the EDT begins with reference to item 6.
- a description of the automated FDT begins with reference to item 11.
- a description of the non-automated FDT begins with reference to item 13.
- the following example is of an auto dealer acting as the seller in an indirect financing process.
- ADT Afferent Distribution Tool
- a customer at a car dealership desires to purchase
- the car dealer or "seller”
- a standard tier-one computer workstation with suitable hardware and software configured to receive and distribute information through the Internet to a preconstructed system web site.
- the tier-one programming provides graphical user interface and application-specific entry forms or interactive windows.
- System software includes a suitable Web browser, such as Netscape Navigator or Microsoft's Internet Explorer, for navigating the networked components of the System.
- Web browser such as Netscape Navigator or Microsoft's Internet Explorer
- conventional front end I/O tools such as HTML, XTML, JAVA, or other similar network distributable software is used to create various functional screens for end users on a global wide-area network.
- the dealer connects to the system web site from his workstation, and navigates within the System to the first of a
- the dealer enters the requested applicant data including personal, financial, and automobile information. See items 1 and 2 of the flow diagram.
- tier-two system logic prompts the dealer to select (by mouse-clicking) finance institutions who would potentially receive the applicant data (item 3)-
- the finance institutions available for selection are those who subscribe to the System and use it as a source for obtaining credit applicant information. The dealer then
- the System automatically contacts a credit bureau and electronically imports certain employment and credit history information of the applicant using suitable tier-three application software.
- Efferent Distribution Tool Efferent Distribution Tool
- each finance institution requires at least one tier-one workstation including a computer, keyboard, mouse, monitor, communications equipment such as a modem, and at least
- System software includes a Web browser for navigating the networked components of the System, and conventional front end I/O tools such as HTML, XTML, JANA, or other similar network distributable tier-two applications.
- the finance institutions create customized electronic model profiles by
- the model profile is inputted into the System at any workstation of the
- the System electronically compares all available applicant profiles with the model profile, and filters out those applicant profiles that do not match the model profile.
- Tier-two middleware such as "Cold Fusion 3.1" or the
- tier-three data storage management and access tools are used to create system logic for analysis of each applicant profile to determine its distribution to finance institutions.
- the finance institution For each model profile created by a finance institution, the finance institution has the option of automatically submitting (item 8) through the System a preconfigured finance product to the dealer for those applicant profiles matching the model profile. This option is selected by the finance institution at the workstation using tier-one system programming.
- the System immediately presents a portion of the finance product to the front end screen of the dealer's workstation. See items 11 and 12.
- the dealer sees only a limited amount of information such as rate, term, monthly payment, " amount of financing and the finance institution behind the product. If this information is agreeable to the dealer and applicant (item 18), the details of the finance product, such as its stipulations, terms, and conditions, are available by simple "drill down" operations which the dealer can do very quickly from its workstation.
- Non-automated Finance Product Distribution Tool Referring to items 13-17, if the finance institution has elected not to automatically distribute a finance product application through the System, further applicant profile analysis is generally undertaken manually (item 13) by persons responsible for making "human judgment" determinations of credit applicant desirability.
- the finance institution views
- the finance institution may provide a more detailed manual analysis (item 14).
- finance institution may also download the complete applicant profile, and have data transferred to its own internal automated creditworthiness scoring system.
- Front end screens at the finance institution's workstation present an electronic form for including
- loan information such as terms, conditions, rates, amounts, monthly payments, and the like.
- This form is submitted through the System to the dealer's workstation using suitable tier-two system programming (item 12). The dealer can then compare the finance products of each finance institution for a given customer and determine which suit him
- money lender and "finance institution” are used synonymously herein.
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- Development Economics (AREA)
- Theoretical Computer Science (AREA)
- Marketing (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Economics (AREA)
- Technology Law (AREA)
- Entrepreneurship & Innovation (AREA)
- Game Theory and Decision Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
Description
Claims
Priority Applications (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CA002350541A CA2350541A1 (en) | 1998-11-09 | 1999-11-09 | Computer-driven information management system for selectively matching credit applicants with money lenders through a global communications network |
AU16125/00A AU1612500A (en) | 1998-11-09 | 1999-11-09 | Computer-driven information management system for selectively matching credit applicants with money lenders through a global communications network |
EP19990958841 EP1224598A4 (en) | 1998-11-09 | 1999-11-09 | Computer-driven information management system for selectively matching credit applicants with money lenders through a global communications network |
Applications Claiming Priority (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US10768398P | 1998-11-09 | 1998-11-09 | |
US60/107,683 | 1998-11-09 | ||
US24722299A | 1999-02-10 | 1999-02-10 | |
US09/247,222 | 1999-02-10 |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2000028453A1 true WO2000028453A1 (en) | 2000-05-18 |
Family
ID=26805042
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US1999/026395 WO2000028453A1 (en) | 1998-11-09 | 1999-11-09 | Computer-driven information management system for selectively matching credit applicants with money lenders through a global communications network |
Country Status (5)
Country | Link |
---|---|
US (1) | US6208979B1 (en) |
EP (1) | EP1224598A4 (en) |
AU (1) | AU1612500A (en) |
CA (1) | CA2350541A1 (en) |
WO (1) | WO2000028453A1 (en) |
Cited By (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2001052147A1 (en) * | 2000-01-12 | 2001-07-19 | Wilkinson William T | Method for matching financial supply to demand |
WO2002041213A1 (en) * | 2000-11-17 | 2002-05-23 | Gunnar Bretvin | System and method for issuing and managing a portfolio of credit insurance policies |
US7389256B1 (en) | 1999-08-02 | 2008-06-17 | Jpmorgan Chase Bank, N.A. | Network based financial transaction processing system |
US7574400B1 (en) | 1999-09-10 | 2009-08-11 | Jpmorgan Chase Bank, N.A. | Financing information processing system and method |
Families Citing this family (178)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7631343B1 (en) * | 1993-03-24 | 2009-12-08 | Endgate LLC | Down-line transcription system using automatic tracking and revenue collection |
US5369704A (en) * | 1993-03-24 | 1994-11-29 | Engate Incorporated | Down-line transcription system for manipulating real-time testimony |
US7249026B1 (en) * | 1993-03-24 | 2007-07-24 | Engate Llc | Attorney terminal having outline preparation capabilities for managing trial proceedings |
US6249775B1 (en) * | 1997-07-11 | 2001-06-19 | The Chase Manhattan Bank | Method for mortgage and closed end loan portfolio management |
US5995947A (en) * | 1997-09-12 | 1999-11-30 | Imx Mortgage Exchange | Interactive mortgage and loan information and real-time trading system |
US6385594B1 (en) * | 1998-05-08 | 2002-05-07 | Lendingtree, Inc. | Method and computer network for co-ordinating a loan over the internet |
US20050273406A1 (en) * | 2003-04-08 | 2005-12-08 | Lending Tree, Inc. | Method and computer network for co-ordinating a loan over the internet |
US20080071675A1 (en) * | 2004-11-10 | 2008-03-20 | Lendingtree, Llc | Method and computer network for co-ordinating a loan over the Internet |
US20040030639A1 (en) * | 2002-02-22 | 2004-02-12 | Lendingtree, Inc. | Method and computer network for co-ordinating a loan over the internet |
US6567791B2 (en) * | 1998-11-03 | 2003-05-20 | Nextcard, Inc. | Method and apparatus for a verifiable on line rejection of an application for credit |
US8010422B1 (en) | 1998-11-03 | 2011-08-30 | Nextcard, Llc | On-line balance transfers |
US6405181B2 (en) * | 1998-11-03 | 2002-06-11 | Nextcard, Inc. | Method and apparatus for real time on line credit approval |
AUPP962599A0 (en) * | 1999-04-07 | 1999-04-29 | Liberty Financial Pty Ltd | Application apparatus and method |
US8036941B2 (en) * | 2000-03-21 | 2011-10-11 | Bennett James D | Online purchasing system supporting lenders with affordability screening |
US7539628B2 (en) | 2000-03-21 | 2009-05-26 | Bennett James D | Online purchasing system supporting buyer affordability screening |
US7542922B2 (en) * | 2000-03-21 | 2009-06-02 | Bennett James D | Online purchasing system supporting sellers with affordability screening |
EP1049056A3 (en) * | 1999-04-26 | 2001-06-13 | CheckFree Corporation | Electronic bill presentment and/or payment clearinghouse |
US7797730B2 (en) * | 1999-06-24 | 2010-09-14 | Engate Llc | Downline transcription system using automatic tracking and revenue collection |
US7062462B1 (en) | 1999-07-26 | 2006-06-13 | The Chase Manhattan Bank | On-line higher education financing system |
US6993493B1 (en) | 1999-08-06 | 2006-01-31 | Marketswitch Corporation | Method for optimizing net present value of a cross-selling marketing campaign |
US7003489B1 (en) | 1999-09-08 | 2006-02-21 | Ge Capital Commercial Finance, Inc. | Methods and apparatus for submitting information to an automated lending system |
US7035821B1 (en) | 1999-09-08 | 2006-04-25 | Ge Capital Commercial Finance, Inc. | Methods and apparatus for processing cash advance requests |
US20010049653A1 (en) * | 1999-12-22 | 2001-12-06 | Sheets Monty D. | System for matching customers with products in inventory |
US8036978B1 (en) * | 1999-12-31 | 2011-10-11 | Pitney Bowes Inc. | Method of upgrading third party functionality in an electronic fraud management system |
US6867789B1 (en) | 2000-02-15 | 2005-03-15 | Bank One, Delaware, National Association | System and method for generating graphical user interfaces |
US6904412B1 (en) * | 2000-03-14 | 2005-06-07 | Everbank | Method and apparatus for a mortgage loan originator compliance engine |
US8504438B2 (en) | 2000-03-21 | 2013-08-06 | James D. Bennett | Online purchasing system supporting lenders with affordability screening |
US7599879B2 (en) * | 2000-03-24 | 2009-10-06 | Jpmorgan Chase Bank, National Association | Syndication loan administration and processing system |
US20010051960A1 (en) * | 2000-04-14 | 2001-12-13 | Kubick Ronald S. | Methods and systems for conducting due diligence |
US7099842B1 (en) * | 2000-05-02 | 2006-08-29 | Ford Motor Company | Electronic commerce credit origination method and system |
US20100057459A1 (en) * | 2000-05-31 | 2010-03-04 | Kenneth Barash | Voice recognition system for interactively gathering information to generate documents |
US6738740B1 (en) | 2000-05-31 | 2004-05-18 | Kenneth Barash | Speech recognition system for interactively gathering and storing verbal information to generate documents |
US7574401B1 (en) * | 2000-06-26 | 2009-08-11 | Arthur Dale Burns | Student loan consolidation qualification system and method of operation thereof |
US6873972B1 (en) | 2000-08-01 | 2005-03-29 | General Electric Company | Systems and methods for credit line monitoring |
US20020042772A1 (en) * | 2000-08-18 | 2002-04-11 | Rudman Jason M. | System and method for reconciling employment benefits |
JP2002092365A (en) * | 2000-09-11 | 2002-03-29 | Koki Kunimatsu | Credit granting system and credit granting method using it |
US9819561B2 (en) | 2000-10-26 | 2017-11-14 | Liveperson, Inc. | System and methods for facilitating object assignments |
US20060015390A1 (en) * | 2000-10-26 | 2006-01-19 | Vikas Rijsinghani | System and method for identifying and approaching browsers most likely to transact business based upon real-time data mining |
US8868448B2 (en) * | 2000-10-26 | 2014-10-21 | Liveperson, Inc. | Systems and methods to facilitate selling of products and services |
WO2002042982A2 (en) * | 2000-11-27 | 2002-05-30 | Nextworth, Inc. | Anonymous transaction system |
US20020107765A1 (en) * | 2000-12-13 | 2002-08-08 | Timothy Walker | Electronic financing system |
US7472088B2 (en) * | 2001-01-19 | 2008-12-30 | Jpmorgan Chase Bank N.A. | System and method for offering a financial product |
US20020152157A1 (en) * | 2001-01-25 | 2002-10-17 | Atanas Stoyanov | Computerized retail finance program selection systems and methods |
US20020103748A1 (en) * | 2001-01-30 | 2002-08-01 | Rai Abhyanker | System and method for consolidating financing in an internet exchange portal |
CA2333342A1 (en) * | 2001-01-31 | 2002-07-31 | Curomax Corporation | Automotive finance portal |
US20020107788A1 (en) * | 2001-02-05 | 2002-08-08 | Cunningham Patrick Steven | Application and payment database system for lenders and builders and a method therefor |
US20030028477A1 (en) * | 2001-07-31 | 2003-02-06 | Accredited Bankruptcy Services, Inc. | Automated method and system for consumer financial counseling |
US7447656B2 (en) * | 2001-08-15 | 2008-11-04 | Medha Parthasarathy | Electronic lending and borrowing system |
US7366694B2 (en) * | 2001-08-16 | 2008-04-29 | Mortgage Grader, Inc. | Credit/financing process |
US20030208412A1 (en) * | 2001-09-28 | 2003-11-06 | Hillestad Willam E. | Method and system facilitating transactions between consumers and service providers |
US20030065614A1 (en) * | 2001-10-01 | 2003-04-03 | Sweeney Joan M. | Method and system for rules based underwriting |
US20030088498A1 (en) * | 2001-10-26 | 2003-05-08 | Clark Patrick R. | System and method for automatically providing financial documents |
US7552086B1 (en) | 2001-12-03 | 2009-06-23 | Oracle International Corp. | Methods and systems for managing credit |
US20040158473A1 (en) * | 2001-12-26 | 2004-08-12 | Farok Contractor | Method of optimizing alliance agreements |
US20030139990A1 (en) * | 2002-01-22 | 2003-07-24 | Big Finance And Insurance Services, Inc. | Method, apparatus and system for control and assessment of risk in commercial transactions |
US9400589B1 (en) | 2002-05-30 | 2016-07-26 | Consumerinfo.Com, Inc. | Circular rotational interface for display of consumer credit information |
US7444302B2 (en) * | 2002-06-14 | 2008-10-28 | Ellie Mae, Inc. | Online system for fulfilling loan applications from loan originators |
US7472089B2 (en) * | 2002-08-15 | 2008-12-30 | Ellie Mae, Inc. | Loan origination system interface for online loan application processing |
US20040049440A1 (en) * | 2002-09-11 | 2004-03-11 | Masahiro Shinoda | Real estate appraisal auxiliary system, a storage medium with a computer software program stored therein for use by a computer system to assist in appraising real estate, and a real estate appraisal auxiliary method |
US10176476B2 (en) | 2005-10-06 | 2019-01-08 | Mastercard Mobile Transactions Solutions, Inc. | Secure ecosystem infrastructure enabling multiple types of electronic wallets in an ecosystem of issuers, service providers, and acquires of instruments |
US20040133509A1 (en) * | 2002-11-01 | 2004-07-08 | Mccoy Randal A. | Technique for making payments for a non-subscriber payor |
US7526448B2 (en) | 2002-11-01 | 2009-04-28 | Checkfree Corporation | Matching consumers with billers having bills available for electronic presentment |
US7395243B1 (en) | 2002-11-01 | 2008-07-01 | Checkfree Corporation | Technique for presenting matched billers to a consumer |
US8073773B2 (en) * | 2002-11-01 | 2011-12-06 | Checkfree Corporation | Technique for identifying probable billers of a consumer |
US20040088251A1 (en) * | 2002-11-01 | 2004-05-06 | Peter Moenickheim | Easy establishment of biller or payees of a payor |
US7729996B2 (en) | 2002-11-01 | 2010-06-01 | Checkfree Corporation | Reuse of an EBP account through alternate authentication |
US20040133515A1 (en) * | 2002-11-01 | 2004-07-08 | Mccoy Randal A. | Distributed matching of consumers with billers having bills available for electronic presentment |
US7742980B1 (en) | 2002-11-15 | 2010-06-22 | Imx, Inc. | Automated loan approval system |
US20040177030A1 (en) * | 2003-03-03 | 2004-09-09 | Dan Shoham | Psychometric Creditworthiness Scoring for Business Loans |
US20040215547A1 (en) * | 2003-04-24 | 2004-10-28 | Financial Circuit, Inc. | Automated liability management and optimization system |
US20040236647A1 (en) * | 2003-05-23 | 2004-11-25 | Ravi Acharya | Electronic checkbook register |
US8930263B1 (en) | 2003-05-30 | 2015-01-06 | Consumerinfo.Com, Inc. | Credit data analysis |
US20050021451A1 (en) * | 2003-07-22 | 2005-01-27 | Kian Khalooghli | System and method for providing access to debt payment information |
US7668777B2 (en) * | 2003-07-25 | 2010-02-23 | Jp Morgan Chase Bank | System and method for providing instant-decision, financial network-based payment cards |
US20050086176A1 (en) * | 2003-07-31 | 2005-04-21 | John Dahlgren | Method and apparatus for loan management using an electronic portal |
US9378525B2 (en) | 2003-07-31 | 2016-06-28 | Dealertrack, Inc. | Integrated electronic credit application, contracting and securitization system and method |
US20050182713A1 (en) * | 2003-10-01 | 2005-08-18 | Giancarlo Marchesi | Methods and systems for the auto reconsideration of credit card applications |
US20090313163A1 (en) * | 2004-02-13 | 2009-12-17 | Wang ming-huan | Credit line optimization |
US8346593B2 (en) | 2004-06-30 | 2013-01-01 | Experian Marketing Solutions, Inc. | System, method, and software for prediction of attitudinal and message responsiveness |
US8990254B2 (en) * | 2004-07-02 | 2015-03-24 | Ellie Mae, Inc. | Loan origination software system for processing mortgage loans over a distributed network |
US20060059422A1 (en) * | 2004-09-16 | 2006-03-16 | Ting-Hu Wu | Desktop application implemented with web paradigm |
US8732004B1 (en) | 2004-09-22 | 2014-05-20 | Experian Information Solutions, Inc. | Automated analysis of data to generate prospect notifications based on trigger events |
US20060100944A1 (en) * | 2004-11-10 | 2006-05-11 | Lendingtree, Llc | Method and computer network for co-ordinating financial services/products |
US20060108880A1 (en) * | 2004-11-24 | 2006-05-25 | Lg Electronics Inc. | Linear compressor |
US7774248B1 (en) | 2004-11-30 | 2010-08-10 | Jp Morgan Chase Bank | Method and apparatus for managing risk |
US8209247B2 (en) * | 2005-03-25 | 2012-06-26 | LeaseASP/Joint Venture | Automated system and method for providing lease payment information to consumers via the internet |
US8019639B2 (en) | 2005-07-07 | 2011-09-13 | Sermo, Inc. | Method and apparatus for conducting an online information service |
US20080281734A1 (en) * | 2005-07-11 | 2008-11-13 | Appone Services, Inc. | System and method for integrated credit application and tax refund estimation |
US7734530B1 (en) * | 2005-07-11 | 2010-06-08 | Appone Services, Inc. | Meta-marketplace method |
US20070027791A1 (en) * | 2005-07-28 | 2007-02-01 | Zopa Limited | Method of and apparatus for matching lenders of money with borrowers of money |
US7925578B1 (en) | 2005-08-26 | 2011-04-12 | Jpmorgan Chase Bank, N.A. | Systems and methods for performing scoring optimization |
US9432468B2 (en) | 2005-09-14 | 2016-08-30 | Liveperson, Inc. | System and method for design and dynamic generation of a web page |
US8738732B2 (en) | 2005-09-14 | 2014-05-27 | Liveperson, Inc. | System and method for performing follow up based on user interactions |
WO2007044500A2 (en) | 2005-10-06 | 2007-04-19 | C-Sam, Inc. | Transactional services |
US7225093B1 (en) * | 2005-11-21 | 2007-05-29 | Agilent Technologies, Inc. | System and method for generating triggers based on predetermined trigger waveform and a measurement signal |
US8489497B1 (en) | 2006-01-27 | 2013-07-16 | Jpmorgan Chase Bank, N.A. | Online interactive and partner-enhanced credit card |
US20070226131A1 (en) * | 2006-03-09 | 2007-09-27 | Decker Katherine K | Data processing method and apparatus for mitigating risk in financing purchases of goods including but not limited to automobiles |
US7711636B2 (en) | 2006-03-10 | 2010-05-04 | Experian Information Solutions, Inc. | Systems and methods for analyzing data |
US20070288360A1 (en) * | 2006-05-03 | 2007-12-13 | Joseph Guy Seeklus | Systems and methods for determining whether candidates are qualified for desired situations based on credit scores |
WO2008022289A2 (en) | 2006-08-17 | 2008-02-21 | Experian Information Services, Inc. | System and method for providing a score for a used vehicle |
US11887175B2 (en) | 2006-08-31 | 2024-01-30 | Cpl Assets, Llc | Automatically determining a personalized set of programs or products including an interactive graphical user interface |
US8799148B2 (en) * | 2006-08-31 | 2014-08-05 | Rohan K. K. Chandran | Systems and methods of ranking a plurality of credit card offers |
US8036979B1 (en) | 2006-10-05 | 2011-10-11 | Experian Information Solutions, Inc. | System and method for generating a finance attribute from tradeline data |
US8135607B2 (en) * | 2006-11-03 | 2012-03-13 | Experian Marketing Solutions, Inc. | System and method of enhancing leads by determining contactability scores |
US8027871B2 (en) | 2006-11-03 | 2011-09-27 | Experian Marketing Solutions, Inc. | Systems and methods for scoring sales leads |
US7657569B1 (en) | 2006-11-28 | 2010-02-02 | Lower My Bills, Inc. | System and method of removing duplicate leads |
US7778885B1 (en) * | 2006-12-04 | 2010-08-17 | Lower My Bills, Inc. | System and method of enhancing leads |
US8639614B2 (en) * | 2006-12-29 | 2014-01-28 | The Debt Exchange, Inc. | System and methods for trading complex financial products |
US8606666B1 (en) | 2007-01-31 | 2013-12-10 | Experian Information Solutions, Inc. | System and method for providing an aggregation tool |
US8606626B1 (en) | 2007-01-31 | 2013-12-10 | Experian Information Solutions, Inc. | Systems and methods for providing a direct marketing campaign planning environment |
US20090043690A1 (en) * | 2007-08-06 | 2009-02-12 | Maclellan Paul | System and method for validating indirect financing transactions |
US20080243661A1 (en) * | 2007-03-30 | 2008-10-02 | Bussone Ryan Joseph | System and method of acquiring instant credit |
US7742982B2 (en) | 2007-04-12 | 2010-06-22 | Experian Marketing Solutions, Inc. | Systems and methods for determining thin-file records and determining thin-file risk levels |
WO2008147918A2 (en) * | 2007-05-25 | 2008-12-04 | Experian Information Solutions, Inc. | System and method for automated detection of never-pay data sets |
US20090024518A1 (en) * | 2007-07-18 | 2009-01-22 | Alena Pavlisova | Automated system of supply and demand pairing |
US8055671B2 (en) | 2007-08-29 | 2011-11-08 | Enpulz, Llc | Search engine using world map with whois database search restriction |
US8219533B2 (en) | 2007-08-29 | 2012-07-10 | Enpulz Llc | Search engine feedback for developing reliable whois database reference for restricted search operation |
US8301574B2 (en) * | 2007-09-17 | 2012-10-30 | Experian Marketing Solutions, Inc. | Multimedia engagement study |
US8600798B1 (en) | 2007-09-21 | 2013-12-03 | Ellie Mae, Inc. | Loan screening |
US20090099914A1 (en) * | 2007-10-16 | 2009-04-16 | Alliance Data Systems Corporation | Automated transactional credit system and method for electronic transactions |
US20090112687A1 (en) * | 2007-10-30 | 2009-04-30 | Dealerspan, Llc | System and method for developing and managing advertisement campaigns |
US7962404B1 (en) * | 2007-11-07 | 2011-06-14 | Experian Information Solutions, Inc. | Systems and methods for determining loan opportunities |
US7996521B2 (en) | 2007-11-19 | 2011-08-09 | Experian Marketing Solutions, Inc. | Service for mapping IP addresses to user segments |
US10083420B2 (en) | 2007-11-21 | 2018-09-25 | Sermo, Inc | Community moderated information |
US8626622B2 (en) * | 2007-12-14 | 2014-01-07 | Routeone Llc | System and methods for electronic signature capture in e-contracting transactions |
US20090271248A1 (en) * | 2008-03-27 | 2009-10-29 | Experian Information Solutions, Inc. | Precalculation of trending attributes |
US20090248574A1 (en) * | 2008-03-28 | 2009-10-01 | Leung Florence F L | Peer-to-peer currency exchange and associated systems and methods |
US8229911B2 (en) | 2008-05-13 | 2012-07-24 | Enpulz, Llc | Network search engine utilizing client browser activity information |
US8190623B2 (en) | 2008-06-05 | 2012-05-29 | Enpulz, L.L.C. | Image search engine using image analysis and categorization |
US8180788B2 (en) | 2008-06-05 | 2012-05-15 | Enpulz, L.L.C. | Image search engine employing image correlation |
US8171041B2 (en) | 2008-05-15 | 2012-05-01 | Enpulz, L.L.C. | Support for international search terms |
US20090287471A1 (en) | 2008-05-16 | 2009-11-19 | Bennett James D | Support for international search terms - translate as you search |
US8250083B2 (en) | 2008-05-16 | 2012-08-21 | Enpulz, Llc | Support for international search terms—translate as you crawl |
US10373198B1 (en) | 2008-06-13 | 2019-08-06 | Lmb Mortgage Services, Inc. | System and method of generating existing customer leads |
US7991689B1 (en) | 2008-07-23 | 2011-08-02 | Experian Information Solutions, Inc. | Systems and methods for detecting bust out fraud using credit data |
US8762313B2 (en) | 2008-07-25 | 2014-06-24 | Liveperson, Inc. | Method and system for creating a predictive model for targeting web-page to a surfer |
US8260846B2 (en) | 2008-07-25 | 2012-09-04 | Liveperson, Inc. | Method and system for providing targeted content to a surfer |
US8805844B2 (en) | 2008-08-04 | 2014-08-12 | Liveperson, Inc. | Expert search |
US8412593B1 (en) | 2008-10-07 | 2013-04-02 | LowerMyBills.com, Inc. | Credit card matching |
US8560161B1 (en) | 2008-10-23 | 2013-10-15 | Experian Information Solutions, Inc. | System and method for monitoring and predicting vehicle attributes |
US20100205024A1 (en) * | 2008-10-29 | 2010-08-12 | Haggai Shachar | System and method for applying in-depth data mining tools for participating websites |
US9892417B2 (en) | 2008-10-29 | 2018-02-13 | Liveperson, Inc. | System and method for applying tracing tools for network locations |
US8639920B2 (en) * | 2009-05-11 | 2014-01-28 | Experian Marketing Solutions, Inc. | Systems and methods for providing anonymized user profile data |
US20100332292A1 (en) | 2009-06-30 | 2010-12-30 | Experian Information Solutions, Inc. | System and method for evaluating vehicle purchase loyalty |
US9652802B1 (en) | 2010-03-24 | 2017-05-16 | Consumerinfo.Com, Inc. | Indirect monitoring and reporting of a user's credit data |
US9767212B2 (en) | 2010-04-07 | 2017-09-19 | Liveperson, Inc. | System and method for dynamically enabling customized web content and applications |
US10453093B1 (en) | 2010-04-30 | 2019-10-22 | Lmb Mortgage Services, Inc. | System and method of optimizing matching of leads |
US9152727B1 (en) | 2010-08-23 | 2015-10-06 | Experian Marketing Solutions, Inc. | Systems and methods for processing consumer information for targeted marketing applications |
US8930262B1 (en) | 2010-11-02 | 2015-01-06 | Experian Technology Ltd. | Systems and methods of assisted strategy design |
US11301922B2 (en) | 2010-11-18 | 2022-04-12 | AUTO I.D., Inc. | System and method for providing comprehensive vehicle information |
US10977727B1 (en) | 2010-11-18 | 2021-04-13 | AUTO I.D., Inc. | Web-based system and method for providing comprehensive vehicle build information |
US8918465B2 (en) | 2010-12-14 | 2014-12-23 | Liveperson, Inc. | Authentication of service requests initiated from a social networking site |
US9350598B2 (en) | 2010-12-14 | 2016-05-24 | Liveperson, Inc. | Authentication of service requests using a communications initiation feature |
US9147217B1 (en) | 2011-05-02 | 2015-09-29 | Experian Information Solutions, Inc. | Systems and methods for analyzing lender risk using vehicle historical data |
US8943002B2 (en) | 2012-02-10 | 2015-01-27 | Liveperson, Inc. | Analytics driven engagement |
US8805941B2 (en) | 2012-03-06 | 2014-08-12 | Liveperson, Inc. | Occasionally-connected computing interface |
US9563336B2 (en) | 2012-04-26 | 2017-02-07 | Liveperson, Inc. | Dynamic user interface customization |
US9672196B2 (en) | 2012-05-15 | 2017-06-06 | Liveperson, Inc. | Methods and systems for presenting specialized content using campaign metrics |
US9654541B1 (en) | 2012-11-12 | 2017-05-16 | Consumerinfo.Com, Inc. | Aggregating user web browsing data |
US9916621B1 (en) | 2012-11-30 | 2018-03-13 | Consumerinfo.Com, Inc. | Presentation of credit score factors |
US8756112B1 (en) | 2013-10-28 | 2014-06-17 | 2knome LLC | Method, medium, and system for facilitating vehicle purchases |
US10262362B1 (en) | 2014-02-14 | 2019-04-16 | Experian Information Solutions, Inc. | Automatic generation of code for attributes |
US11386442B2 (en) | 2014-03-31 | 2022-07-12 | Liveperson, Inc. | Online behavioral predictor |
US11257117B1 (en) | 2014-06-25 | 2022-02-22 | Experian Information Solutions, Inc. | Mobile device sighting location analytics and profiling system |
US10580054B2 (en) | 2014-12-18 | 2020-03-03 | Experian Information Solutions, Inc. | System, method, apparatus and medium for simultaneously generating vehicle history reports and preapproved financing options |
US10445152B1 (en) | 2014-12-19 | 2019-10-15 | Experian Information Solutions, Inc. | Systems and methods for dynamic report generation based on automatic modeling of complex data structures |
CA2988120C (en) | 2015-06-02 | 2024-06-25 | Liveperson, Inc. | Dynamic communication routing based on consistency weighting and routing rules |
US9767309B1 (en) | 2015-11-23 | 2017-09-19 | Experian Information Solutions, Inc. | Access control system for implementing access restrictions of regulated database records while identifying and providing indicators of regulated database records matching validation criteria |
US10409867B1 (en) | 2016-06-16 | 2019-09-10 | Experian Information Solutions, Inc. | Systems and methods of managing a database of alphanumeric values |
EP4130998A1 (en) | 2016-08-14 | 2023-02-08 | Liveperson Inc. | Systems and methods for real-time remote control of mobile applications |
US20180060954A1 (en) | 2016-08-24 | 2018-03-01 | Experian Information Solutions, Inc. | Sensors and system for detection of device movement and authentication of device user based on messaging service data from service provider |
US11210276B1 (en) | 2017-07-14 | 2021-12-28 | Experian Information Solutions, Inc. | Database system for automated event analysis and detection |
US10565181B1 (en) | 2018-03-07 | 2020-02-18 | Experian Information Solutions, Inc. | Database system for dynamically generating customized models |
US10740404B1 (en) | 2018-03-07 | 2020-08-11 | Experian Information Solutions, Inc. | Database system for dynamically generating customized models |
US10529018B1 (en) | 2018-07-16 | 2020-01-07 | Capital One Services, Llc | Credit scoring and pre-approval engine integration |
US11157835B1 (en) | 2019-01-11 | 2021-10-26 | Experian Information Solutions, Inc. | Systems and methods for generating dynamic models based on trigger events |
US11915196B2 (en) * | 2019-05-23 | 2024-02-27 | Capital One Services, Llc | Self-service lender portal |
US11682041B1 (en) | 2020-01-13 | 2023-06-20 | Experian Marketing Solutions, Llc | Systems and methods of a tracking analytics platform |
Citations (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4736294A (en) * | 1985-01-11 | 1988-04-05 | The Royal Bank Of Canada | Data processing methods and apparatus for managing vehicle financing |
US5239462A (en) * | 1992-02-25 | 1993-08-24 | Creative Solutions Groups, Inc. | Method and apparatus for automatically determining the approval status of a potential borrower |
US5774883A (en) * | 1995-05-25 | 1998-06-30 | Andersen; Lloyd R. | Method for selecting a seller's most profitable financing program |
US5797133A (en) * | 1994-08-31 | 1998-08-18 | Strategic Solutions Group, Inc | Method for automatically determining the approval status of a potential borrower |
US5878403A (en) * | 1995-09-12 | 1999-03-02 | Cmsi | Computer implemented automated credit application analysis and decision routing system |
US5930776A (en) * | 1993-11-01 | 1999-07-27 | The Golden 1 Credit Union | Lender direct credit evaluation and loan processing system |
US5940812A (en) * | 1997-08-19 | 1999-08-17 | Loanmarket Resources, L.L.C. | Apparatus and method for automatically matching a best available loan to a potential borrower via global telecommunications network |
Family Cites Families (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5495603A (en) | 1993-06-14 | 1996-02-27 | International Business Machines Corporation | Declarative automatic class selection filter for dynamic file reclassification |
ATE202864T1 (en) | 1993-08-27 | 2001-07-15 | Affinity Technology Inc | CLOSED LOOP FINANCIAL TRANSACTION METHOD AND DEVICE |
US5940811A (en) | 1993-08-27 | 1999-08-17 | Affinity Technology Group, Inc. | Closed loop financial transaction method and apparatus |
US5611052A (en) | 1993-11-01 | 1997-03-11 | The Golden 1 Credit Union | Lender direct credit evaluation and loan processing system |
US5867799A (en) * | 1996-04-04 | 1999-02-02 | Lang; Andrew K. | Information system and method for filtering a massive flow of information entities to meet user information classification needs |
-
1999
- 1999-11-09 AU AU16125/00A patent/AU1612500A/en not_active Abandoned
- 1999-11-09 WO PCT/US1999/026395 patent/WO2000028453A1/en active Application Filing
- 1999-11-09 CA CA002350541A patent/CA2350541A1/en not_active Abandoned
- 1999-11-09 EP EP19990958841 patent/EP1224598A4/en not_active Withdrawn
- 1999-12-03 US US09/454,095 patent/US6208979B1/en not_active Expired - Lifetime
Patent Citations (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4736294A (en) * | 1985-01-11 | 1988-04-05 | The Royal Bank Of Canada | Data processing methods and apparatus for managing vehicle financing |
US5239462A (en) * | 1992-02-25 | 1993-08-24 | Creative Solutions Groups, Inc. | Method and apparatus for automatically determining the approval status of a potential borrower |
US5930776A (en) * | 1993-11-01 | 1999-07-27 | The Golden 1 Credit Union | Lender direct credit evaluation and loan processing system |
US5797133A (en) * | 1994-08-31 | 1998-08-18 | Strategic Solutions Group, Inc | Method for automatically determining the approval status of a potential borrower |
US5774883A (en) * | 1995-05-25 | 1998-06-30 | Andersen; Lloyd R. | Method for selecting a seller's most profitable financing program |
US5878403A (en) * | 1995-09-12 | 1999-03-02 | Cmsi | Computer implemented automated credit application analysis and decision routing system |
US5940812A (en) * | 1997-08-19 | 1999-08-17 | Loanmarket Resources, L.L.C. | Apparatus and method for automatically matching a best available loan to a potential borrower via global telecommunications network |
Non-Patent Citations (1)
Title |
---|
See also references of EP1224598A4 * |
Cited By (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7389256B1 (en) | 1999-08-02 | 2008-06-17 | Jpmorgan Chase Bank, N.A. | Network based financial transaction processing system |
US7574400B1 (en) | 1999-09-10 | 2009-08-11 | Jpmorgan Chase Bank, N.A. | Financing information processing system and method |
US8200574B2 (en) | 1999-09-10 | 2012-06-12 | Jpmorgan Chase Bank, N.A. | Financing information processing system and method |
WO2001052147A1 (en) * | 2000-01-12 | 2001-07-19 | Wilkinson William T | Method for matching financial supply to demand |
WO2002041213A1 (en) * | 2000-11-17 | 2002-05-23 | Gunnar Bretvin | System and method for issuing and managing a portfolio of credit insurance policies |
Also Published As
Publication number | Publication date |
---|---|
CA2350541A1 (en) | 2000-05-18 |
US6208979B1 (en) | 2001-03-27 |
EP1224598A1 (en) | 2002-07-24 |
EP1224598A4 (en) | 2002-10-23 |
AU1612500A (en) | 2000-05-29 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US6208979B1 (en) | Computer-driven information management system for selectively matching credit applicants with money lenders through a global communications network | |
AU759423B2 (en) | Method and computer network for coordinating a loan over the internet | |
US20120054091A1 (en) | Method and system for selecting qualification forms for financial services and financial products | |
US7818228B1 (en) | System and method for managing consumer information | |
US8359264B2 (en) | System and method for matching loan consumers and lenders | |
US7630933B2 (en) | System and method for matching loan consumers and lenders | |
US20020107765A1 (en) | Electronic financing system | |
US20030139990A1 (en) | Method, apparatus and system for control and assessment of risk in commercial transactions | |
US8117120B2 (en) | Computer system and method for networked interchange of data and information for members of the real estate financial and related transactional services industry | |
US8538854B1 (en) | Method and apparatus for filtering and/or sorting responses to electronic requests for quote | |
US20040039690A1 (en) | Method and system for offering a loan through a computing system | |
US20030229582A1 (en) | Method, apparatus and system for providing notifications in commercial transactions | |
US8027896B2 (en) | System and method for automated documentation for solicited trades | |
US20120054092A1 (en) | Method and computer network for co-ordinating financial service/products | |
US7478064B1 (en) | System and process for applying for and obtaining universal multiple mortgage underwriting approvals | |
US8504438B2 (en) | Online purchasing system supporting lenders with affordability screening | |
US20030149658A1 (en) | System for providing a warranty for the automated valuation of property | |
JP2003223559A (en) | Housing loan contract system and method | |
US11508007B2 (en) | System and method for identifying vehicles for a purchaser from vehicle inventories | |
US7542914B1 (en) | Method for generating an insurance quote | |
US20020069159A1 (en) | Method and apparatus for recycling declined credit applications | |
US20030182215A1 (en) | Network-enabled method and system for asset finance | |
AU2004100534A4 (en) | Financial product application processing system and method | |
EP3913567A1 (en) | Server computer system and evaluation method | |
AU2003213496A1 (en) | Method and computer network for coordinating a loan over the Internet |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
ENP | Entry into the national phase |
Ref country code: AU Ref document number: 2000 16125 Kind code of ref document: A Format of ref document f/p: F |
|
AK | Designated states |
Kind code of ref document: A1 Designated state(s): AE AL AM AT AU AZ BA BB BG BR BY CA CH CN CR CU CZ DE DK DM EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX NO NZ PL PT RO RU SD SE SG SI SK SL TJ TM TR TT TZ UA UG UZ VN YU ZA ZW |
|
AL | Designated countries for regional patents |
Kind code of ref document: A1 Designated state(s): GH GM KE LS MW SD SL SZ TZ UG ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN GW ML MR NE SN TD TG |
|
121 | Ep: the epo has been informed by wipo that ep was designated in this application | ||
DFPE | Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101) | ||
ENP | Entry into the national phase |
Ref document number: 2350541 Country of ref document: CA Ref country code: CA Ref document number: 2350541 Kind code of ref document: A Format of ref document f/p: F |
|
WWE | Wipo information: entry into national phase |
Ref document number: 1999958841 Country of ref document: EP |
|
REG | Reference to national code |
Ref country code: DE Ref legal event code: 8642 |
|
WWP | Wipo information: published in national office |
Ref document number: 1999958841 Country of ref document: EP |