Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2006-03-07
2006-03-07
Bradley, P. Austin (Department: 2833)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
Reexamination Certificate
active
07010508
ABSTRACT:
A system for filing applications with an institution from a plurality of remote sites, and for automatically processing said applications in response to each applicant's credit rating obtained from a credit reporting service comprising a series of self-service terminals remotely linked via a telephone line to a first computer at the institution and to a second computer at the credit reporting service headquarters. Each remote terminal comprises a video screen and a video memory which holds image-and-sound-generating information arranged to simulate the aspect and speech of an application loan officer on the video screen. The simulated loan officer is used to acquire loan request data from the applicant by guiding him through an interactive sequence of inquiries and answers. The system may be utilized as a trading network whereby stations are used by sellers and buyers to place and accept offers for securities, the central installation acting as a central computerized database where all transactions are processed and the various data items stored and automatically updated.
REFERENCES:
patent: 4333152 (1982-06-01), Best
patent: 4359631 (1982-11-01), Lockwood et al.
patent: 4714989 (1987-12-01), Billings
Young, G, “Computer Firm to Help Buyers Shop for Loan”, Washington Post, Virginia, Real Estate Section, Apr. 9, 1984 Nexis™ Excerpts.
Bradley P. Austin
Charmasson & Buchaca & Leach, LLP
Chung-Trans X.
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