Computer implemented automated credit application analysis...

Details Computer implemented automated credit application analysis... Computer implemented automated credit application analysis...

2003-08-28

2010-10-12

Nguyen, Nga B. (Department: 3684)

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

Automated electrical financial or business practice or...

Finance

C705S035000, C705S03600T, C705S037000

Reexamination Certificate

active

07814002

ABSTRACT:
A credit application and routing system includes a central processor having and executing a program. The system includes data input capabilities for selectively receiving credit application data from respective applicants at remote locations, and routing capabilities for selectively forwarding the credit application data to remote funding sources and selectively forwarding funding decision data from the funding sources to the respective applicants. The computer program includes routines for receiving a credit application from at least one remote application input and display device, for selectively forwarding a received credit application to at least one funding source, for receiving a funding decision from the at least one funding source, and for forwarding a received funding decision to the at least one remote application input and display device. The system can also obtain credit report data from credit bureau, and analyze and summarize the credit report data. A computer readable storage medium has a substrate physically configured to represent the computer program which causes a computer to provide the credit application and routing system.

REFERENCES:
patent: 3970992 (1976-07-01), Boothroyd et al.
patent: 4017835 (1977-04-01), Randolph
patent: 4491725 (1985-01-01), Pritchard
patent: 4598367 (1986-07-01), DeFrancesco et al.
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 et al.
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
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: 5774883 (1998-06-01), Andersen et al.
patent: 5794133 (1998-08-01), Kashima
patent: 5797133 (1998-08-01), Jones et al.
patent: 5867799 (1999-02-01), Lang 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: 6014645 (2000-01-01), Cunningham
patent: 6029149 (2000-02-01), Dykstra et al.
patent: 6105007 (2000-08-01), Norris
patent: 6135349 (2000-10-01), Zirkel
patent: 6135399 (2000-10-01), Savoie et al.
patent: 6233566 (2001-05-01), Levine et al.
patent: 6385594 (2002-05-01), Lebda et al.
patent: 6603487 (2003-08-01), Bennett et al.
patent: 6611052 (2003-08-01), Poo et al.
patent: 7181427 (2007-02-01), DeFrancesco et al.
patent: 0629962 (1994-12-01), None
patent: 0 774 725 (1997-05-01), None
patent: 0774725 (1997-05-01), None
patent: 5-101250 (1993-04-01), None
patent: 5101250 (1993-04-01), None
“Barnett arm links with auto dealers,” Bank Systems & Technology, vol. 34, No. 4, printed from Dialog File 268, 2 pages (Apr. 1997).
Eckerson, W., “Network automates auto loan application process; Speeds loan Oks, helps buyers find best rates,” Network World, Network World, Inc., available at http://www.lexis.com, 2 pages (Mar. 6, 1989).
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 pp. 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,” SNL Securities, Jan. 2000, pp. 39-40.
Lawrence, Jeannette, “(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.RTM. Version 1.2, Fair, Isaac and Company, Incorporated, 1998, 60 pages. (Missing pp. 44 & 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;col.,” 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, pp. 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 Telephones,” 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, Interlinq Software Corp, Nov. 1992.
David O. Tyson, Interlinq Mortgage Software Hits Big Time with Prudential Real Estate Subsidiary Deal, American Banker, p. 12, Nov. 18, 1987.
Harry S. Wortmann, “Re-Engineering Update: Where Banks are Going to Fit Along the Information Highway,” American Banker, p. 7, vol. 159, No. 98, May 23, 1994.
Conroy, Bill, “Citicorp test-markets device that simplifies home banking,” The Business Journal, p. 16, Oct. 29, 1990.
Day, Kathleen, &#

Affiliated with

Also associated with

Rating

Computer implemented automated credit application analysis... does not yet have a rating. At this time, there are no reviews or comments for this patent.

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

Rate now

Comments { 0 }

Profile ID: LFUS-PAI-O-4224583