Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2011-08-16
2011-08-16
Hamilton, Lalita (Department: 3691)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S035000
Reexamination Certificate
active
08001040
ABSTRACT:
Disclosed is a computer-implemented method (100) of rating a consumer in connection with a transaction initiated by the consumer and requesting credit from a credit issuer (28). The method (100) includes the steps of: providing a merchant-based consumer/transaction data set (16) to a central credit issuer database (20); providing a third party credit history data set (24) to the central credit issuer database (20); providing a credit issuer credit history data set (30) to the central credit issuer database (20); determining a consumer rating index variable (12) based upon a scoring formula (34) utilizing at least one data field from the provided data sets; and presenting the consumer rating index variable (12) to the credit issuer (28). A system (10) and apparatus (50) for rating the consumer in connection with this transaction is also disclosed.
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New System Will Give Retailers Instant Credit Checks; [All Editions.=.4 Star. 2 Star B. 2 Star P. 1 Star, , LateEarly] by Patricia Lamiell, The Associated Press. The Record. Bergen County, N.J.: Feb. 5, 1998. p. b.01.
eBay Inc.
Hamilton Lalita
Haynes & Boone LLP.
LandOfFree
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