System and method for efficiently processing multiple credit...

Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance

Reexamination Certificate

Rate now

  [ 0.00 ] – not rated yet Voters 0   Comments 0

Details

C705S035000, C705S067000, C709S201000, C709S226000, C715S744000, C715S780000

Reexamination Certificate

active

07882024

ABSTRACT:
A system and method for forwarding multiple credit applications to multiple potential lenders. A user computer or a credit management server sends queries to potential lenders inquiring about the respective information fields used in the potential lenders' respective credit applications. The queries also request information relating to the desired format and transmission method of the respective credit applications. With this information, a dynamic credit application is generated which includes all of information fields from all potential lenders. A credit applicant enters credit information into the dynamic credit application. The system then generates tailored credit applications for each lender and forwards these tailored applications to the respective potential lenders. The lenders process the tailored applications and provide results to the user.

REFERENCES:
patent: 4937439 (1990-06-01), Wanninger et al.
patent: 5611052 (1997-03-01), Dykstra et al.
patent: 5765144 (1998-06-01), Larche et al.
patent: 5966699 (1999-10-01), Zandi
patent: 6016482 (2000-01-01), Molinari et al.
patent: 6021400 (2000-02-01), Gallacher et al.
patent: 6029146 (2000-02-01), Hawkins et al.
patent: 6029149 (2000-02-01), Dykstra et al.
patent: 6223983 (2001-05-01), Kjonaas et al.
patent: 6385594 (2002-05-01), Lebda et al.
patent: 6574314 (2003-06-01), Martino
patent: 6587841 (2003-07-01), DeFrancesco et al.
patent: 6606842 (2003-08-01), Ohshita
patent: 6668273 (2003-12-01), Rust
patent: 6738740 (2004-05-01), Barash
patent: 6867789 (2005-03-01), Allen et al.
patent: 7010616 (2006-03-01), Carlson et al.
patent: 7089503 (2006-08-01), Bloomquist et al.
patent: 7136814 (2006-11-01), McConnell
patent: 7146337 (2006-12-01), Ward et al.
patent: 7181427 (2007-02-01), DeFrancesco et al.
patent: 7254557 (2007-08-01), Gillin et al.
patent: 7261239 (2007-08-01), Rao
patent: 7287008 (2007-10-01), Mahoney et al.
patent: 7366694 (2008-04-01), Lazerson
patent: 7478064 (2009-01-01), Nacht
patent: 7542922 (2009-06-01), Bennett et al.
patent: 2001/0011246 (2001-08-01), Tammaro
patent: 2001/0029482 (2001-10-01), Tealdi et al.
patent: 2002/0091630 (2002-07-01), Inoue
patent: 2003/0041003 (2003-02-01), Kayser, III
patent: 2003/0135451 (2003-07-01), O'Brien et al.
patent: 2003/0172025 (2003-09-01), Gallina
patent: 2004/0034684 (2004-02-01), Payne
patent: 2006/0277123 (2006-12-01), Kennedy et al.
patent: 2008/0103963 (2008-05-01), Mahoney et al.
patent: 784943 (2002-06-01), None
patent: 9712601 (2002-06-01), None
patent: 506319 (2001-12-01), None
Bloombery Businessweek, Lending Tree: Steadily Spreading Its Roots, Dean Foust, Feb. 7, 2002 (LTree).
Blanche Evans, Want Loans on Your Site? LoansDirect Wants to be Your Partner, Realty Times, Oct. 19, 1999 (Realty).
Examination Report for European Application No. 04788962.1 dated Sep. 29, 2008.
Written Opinion dated Mar. 20, 2006 in counterpart International Application No. PCT/US04/31281.
International Search Report dated Mar. 20, 2006 in counterpart International Application No. PCT/US04/31281.
Examiner's First Report for Australian Patent Application No. 2004277235 dated Dec. 2, 2009.
First Office Action for Chinese Patent Application No. 200480027706.1 dated May 8, 2009.
Second Office Action for Chinese Patent Application No. 200480027706.1 dated Oct. 30, 2009.
Rejection Decision for Chinese Patent Application No. 200480027706.1 dated Mar. 10, 2010.
Supplementary European Search Report for European Patent Application No. 04788962.1 dated Apr. 16, 2008.
Examination Report for New Zealand Patent Application No. 545754 dated Apr. 23, 2007.
Examination Report for New Zealand Patent Application No. 545754 dated Nov. 12, 2008.
Examination Report for New Zealand Patent Application No. 545754 dated Feb. 24, 2009.
Examination Report for New Zealand Patent Application No. 545754 dated Jun. 9, 2009.

LandOfFree

Say what you really think

Search LandOfFree.com for the USA inventors and patents. Rate them and share your experience with other people.

Rating

System and method for efficiently processing multiple credit... does not yet have a rating. At this time, there are no reviews or comments for this patent.

If you have personal experience with System and method for efficiently processing multiple credit..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and System and method for efficiently processing multiple credit... will most certainly appreciate the feedback.

Rate now

     

Profile ID: LFUS-PAI-O-2628322

  Search
All data on this website is collected from public sources. Our data reflects the most accurate information available at the time of publication.