Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2011-01-25
2011-01-25
Poinvil, Frantzy (Department: 3691)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S039000
Reexamination Certificate
active
07877323
ABSTRACT:
The present invention generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present invention relates to rating consumer lenders based on the predicted spend capacity of their consumers.
REFERENCES:
patent: 5557518 (1996-09-01), Rosen
patent: 5940812 (1999-08-01), Tengel et al.
patent: 6366892 (2002-04-01), Altman et al.
patent: 2004/0024667 (2004-02-01), Quaile et al.
patent: 2004/0172317 (2004-09-01), Davis et al.
patent: 2005/0203834 (2005-09-01), Prieston
patent: 2006/0021009 (2006-01-01), Lunt
patent: 2006/0241923 (2006-10-01), Xu et al.
patent: 2006/0242046 (2006-10-01), Haggerty et al.
patent: 2006/0248003 (2006-11-01), Basin et al.
patent: 2007/0027779 (2007-02-01), Bhambri et al.
patent: 2007/0067208 (2007-03-01), Haggerty et al.
Wikianswers Web Page, “What is the meaning of the quote: A Man is Known by the Company He Keeps?,” printed Mar. 2, 2010.
Non-Final Office Action for U.S. Appl. No. 12/058,394, dated Mar. 18, 2010.
Non-Final Office Action for U.S. Appl. No. 12/058,431, dated Mar. 22, 2010.
Non-Final Office Action for U.S. Appl. No. 12/058,333, dated Mar. 23, 2010.
Non-FinalEx ParteQuayle Office Action for U.S. Appl. No. 12/058,306, dated Apr. 5, 2010.
Non-Final Office Action for U.S. Appl. No. 12/058,378, dated Apr. 5, 2010.
Notice of Allowance for U.S. Appl. No. 12/058,254, dated Apr. 19, 2010.
Non-Final Office Action for U.S. Appl. No. 12/058,306, dated Dec. 28, 2009.
Non-Final Office Action for U.S. Appl. No. 12/058,254, dated Feb. 5, 2010.
Haggerty Kathleen
Prakash Aashish
Sahu Prasanta
Xu Di
Yuan Chao
American Express Travel Related Services Company Inc.
Poinvil Frantzy
Snell & Wilmer L.L.P.
LandOfFree
Consumer behaviors at lender level does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with Consumer behaviors at lender level, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Consumer behaviors at lender level will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-2624445