Automated credit application system

Details Automated credit application system Automated credit application system

2007-02-20

2007-02-20

Nguyen, Nga (Department: 3628)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Finance

C705S035000, C705S03600T, C705S037000, C705S039000

Reexamination Certificate

active

08922462

ABSTRACT:
A computer based credit application processing system provides a graphical user interface, automatic software update downloading, lender to lender routing of credit applications, and integration with in-house finance and insurance systems and third party data entry facilities, among other features. Web site linkage is also accommodated.

REFERENCES:
patent: 3970992 (1976-07-01), Boothroyd et al.
patent: 4017835 (1977-04-01), Randolph
patent: 4491725 (1985-01-01), Pritchard
patent: 4600828 (1986-07-01), Nogami et al.
patent: 4642768 (1987-02-01), Roberts
patent: 4646250 (1987-02-01), Childress
patent: 4648037 (1987-03-01), Valentino
patent: 4649037 (1987-03-01), Marsh et al.
patent: 4649832 (1987-03-01), Hain et al.
patent: 4675815 (1987-06-01), Kuroki et al.
patent: 4683536 (1987-07-01), Yamamoto
patent: 4722055 (1988-01-01), Roberts
patent: 4730252 (1988-03-01), Bradshaw
patent: 4736294 (1988-04-01), Gill et al.
patent: 4752877 (1988-06-01), Roberts et al.
patent: 4772055 (1988-09-01), Fang
patent: 4774664 (1988-09-01), Campbell et al.
patent: 4814587 (1989-03-01), Carter
patent: 4890228 (1989-12-01), Longfield
patent: 4914587 (1990-04-01), Clouse
patent: 4947028 (1990-08-01), Gorog
patent: 4949028 (1990-08-01), Brune
patent: 4958368 (1990-09-01), Parker
patent: 4965821 (1990-10-01), Bishop et al.
patent: 4992939 (1991-02-01), Tyler
patent: 5023904 (1991-06-01), Kaplan et al.
patent: 5025138 (1991-06-01), Cuervo
patent: 5025373 (1991-06-01), Keyser, Jr. et al.
patent: 5049862 (1991-09-01), Dao et al.
patent: 5083270 (1992-01-01), Gross et al.
patent: 5120906 (1992-06-01), Protheroe et al.
patent: 5126936 (1992-06-01), Champion et al.
patent: 5126939 (1992-06-01), Carpentier et al.
patent: 5198642 (1993-03-01), Deniger
patent: 5202825 (1993-04-01), Miller et al.
patent: 5202826 (1993-04-01), McCarthy
patent: 5206803 (1993-04-01), Vitagliano et al.
patent: 5212789 (1993-05-01), Rago
patent: 5213571 (1993-05-01), Fujio et al.
patent: 5218539 (1993-06-01), Elphick et al.
patent: 5220501 (1993-06-01), Lawlor et al.
patent: 5231571 (1993-07-01), D'Agostino
patent: 5239462 (1993-08-01), Jones et al.
patent: 5241620 (1993-08-01), Ruggiero
patent: 5262941 (1993-11-01), Saladin et al.
patent: 5274547 (1993-12-01), Zoffel et al.
patent: 5287268 (1994-02-01), McCarthy
patent: 5297202 (1994-03-01), Kapp et al.
patent: 5301320 (1994-04-01), McAtee et al.
patent: 5361201 (1994-11-01), Jost et al.
patent: 5369570 (1994-11-01), Parad
patent: 5383113 (1995-01-01), Kight et al.
patent: 5537315 (1996-07-01), Mitcham
patent: 5559895 (1996-09-01), Lee et al.
patent: 5576951 (1996-11-01), Lockwood
patent: 5604341 (1997-02-01), Grossi et al.
patent: 5611052 (1997-03-01), Dykstra et al.
patent: 5627978 (1997-05-01), Altom et al.
patent: 5699527 (1997-12-01), Davidson
patent: 5734837 (1998-03-01), Flores et al.
patent: 5744882 (1998-04-01), Teshima et al.
patent: 5774882 (1998-06-01), Keen et al.
patent: 5794133 (1998-08-01), Kashima
patent: 5797133 (1998-08-01), Jones et al.
patent: 5870721 (1999-02-01), Norris
patent: 5878403 (1999-03-01), DeFrancesco et al.
patent: 5893128 (1999-04-01), Nauckhoff
patent: 5930776 (1999-07-01), Dykstra et al.
patent: 5940811 (1999-08-01), Norris
patent: 5940812 (1999-08-01), Tengel et al.
patent: 5940829 (1999-08-01), Tsuiki et al.
patent: 5950169 (1999-09-01), Borghesi et al.
patent: 5960404 (1999-09-01), Chaar et al.
patent: 5966699 (1999-10-01), Zandi
patent: 5974392 (1999-10-01), Endo
patent: 6105007 (2000-08-01), Norris
patent: 6135349 (2000-10-01), Zirkel
patent: 6611052 (2003-08-01), Poo et al.
patent: 0 774 725 (1997-05-01), None
patent: 0774725 (1997-05-01), None
patent: 5-101250 (1993-04-01), None
patent: 101250 (1993-04-01), None
“Re-Engineering Update: Where Banks are Going to Fit Along the Information Highway,” American Banker, p. 7, vol. 159, No. 98, Apr. 1994.
“Barnett arm links with auto dealers”, Bank Systems & Technology, v34, n4, p. 14, Apr. 1997.
Baljko, Jennifer, “Automated review system drives BB&T's subprime loan business”. Bank Systems & Technology, v34, n7, p. 62, Jul. 1997.
“The Lure of the subprime”, Automotive News, n 5673, p. li, Aug. 12, 1996.
“Opportunities, Obstacles in Suprime Loan Market”, Credit Risk Management Report, Feb. 26, 1996, vol. 6, Issue: 4.
Berzof, Ken, “Kiosk Issues Bank Cards for Those Dashing Through Dough,”The Courier-Journal, vol. 269, No. 155, p. 12, Dec. 2, 1989.
Capstone Decision Manager: Application Decision Management, HNC Software, 28 pages, Publication date unknown. (Missing Pages 8, 12, 22, and 28).
“Car loans in minutes,”Bank Management, Bank Administration Institute, vol. 69, No. 4, Apr. 1993, p. A23.
E-mail Message from Michael J. McEnvoy, Tower Group, to Dennis Warnke, CMSINC, Nov. 5, 1998, 3 pages.
Evans, Steve, “No Longer Processing Just Plastic,”SNLSecurities, Jan. 2000, pp. 39-40.
Lawrence, Jeanette, “(Part 1 of 3) Untangling Neural Nets (When is one model better than another?),”Dr. Dobbs Journal, Miller Freeman Inc., Apr. 1990, 3 pages, printed from Internet (http address unclear).
Marjanovic, Steven, “Investors Shrink as Fair, Isaac Grows,” 1 page, Publication date and source unknown.
Product Description: StrategyWare® Version 1.2, Fair, Isaac and Company, Incorporated, 1998, 60 pages. (Missing Pages 44 and 48).
RiskWise Products and Services, 2 page brochure, Publication date and source unknown.
RiskWise Technology Overview, 4 page brochure, Publication date and source unknown.
“Atlanta-based COIN Banking Systems signs alliance with NCR for credit authorization solution,” Business Wire, Business Wire, Inc., Apr. 3, 1991.
Jason, Rich, “Software;for loan processing;column,” Mortgage Banking, Mortgage Association of America, vol. 50, No. 11, Aug. 1990.
Joe Kolman, “Ten Technologies Ahead of the Curve,” Institutional Investor, vol. 24, No. 16, p. 123-124, Dec. 1990.
“Application Processing for Credit Programs,” The Magazine of Bank Management, Bank Administrative Institute, p. 75, Nov. 1988.
Bill Atkinson, “Columbia Firm Helps Banks Ring Up Loans on Telephone,” Baltimore Business Journal, Baltimore Business Publications, Inc., vol. 6, No. 19, Sec. 2, p. 7B, Oct. 17, 1988.
Patrick Haverson, A man with Grand Visions, Banking Technology, pp. 30-32, dated May 1993.
Richard Read, Crossing the Track to Success, Euromoney, p. 177-180, Jun. 1988.
Anonymous, MortgageWare Resource guide, Interling Software Corp, Nov. 1992 (best available copy).
David O. Tyson, Interling Mortgage Software Hits Big Time with Prudential Real Estate Subsidiary Deal, American Banker, p. 12, Nov. 18, 1987.
Anonymous, “Barnett arm links with auto dealers,” Bank Systems & Technology, Gralla Publications, vol. 34, No. 4, p. 14, Apr. 1997.
Conroy, Bill, “Citicorp test-markets device that simplifies home banking,” The Business Journal, p. 16, Oct. 29, 1990.
Day, Kathleen, “Cutting Corners at the Kiosk: New services Widen Use of Electronic Devices,” The Washington Post, Jul. 22, 1994, p. A1.
Fortunato, Laura, “Loan Lending Magic,” Winter 1996/97, vol. 13, No. 4, p. 12-15.
Jost, Allen, “Neural Networks: A logical progression in credit and marketing decision systems,” Credit World, International Credit Association, Mar./Apr. 1993, p. 26-33.
Kantrow, Yvette D., “Electronic Network Will Link Car Dealers to Many Lenders: Goal is to Create a Form of EFT Transfer System,” American Banker Weekly Review, Feb. 8, 1988, pp. 5 & 10.
Karson, Daniel, “Tactical Field Strategies to Trace and Recover Assets in the United States,” A practical Guide to Asset Tracing and Recovery: Sure-Fire Strategies to turn hollow judgements into Litigation Victories, The Canadian Institute, Section VII, p. 1-22, Apr. 3 & 4, 1997.
McCall, William, “Microsoft, Banks Team Up to Provide Home Banking,” Associated Press, Aug. 3,

Affiliated with

Also associated with

Rating

Automated credit application system does not yet have a rating. At this time, there are no reviews or comments for this patent.

If you have personal experience with Automated credit application system, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Automated credit application system will most certainly appreciate the feedback.

Rate now

Comments { 0 }

Profile ID: LFUS-PAI-O-3892925