Customized credit offer strategy based on terms specified by...

Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance

Reexamination Certificate

Rate now

  [ 0.00 ] – not rated yet Voters 0   Comments 0

Details

C705S035000

Reexamination Certificate

active

07552080

ABSTRACT:
A customized offer is transmitted to an applicant. A requested term is obtained from the applicant and a set of offers is determined for the applicant. An offer is selected from among the set of offers to display to the applicant using the requested term and the selected offer is transmitted to the applicant. Alternatively, a requested term is obtained from an applicant and the requested term is fixed. A set of offers is determined with the fixed requested term. An offer is selected from among the set of offers to display to the applicant and the selected offer is transmitted to the applicant.

REFERENCES:
patent: 5235519 (1993-08-01), Miura
patent: 5372507 (1994-12-01), Goleh
patent: 5375055 (1994-12-01), Togher et al.
patent: 5590038 (1996-12-01), Pitroda
patent: 5724155 (1998-03-01), Saito
patent: 5748755 (1998-05-01), Johnson et al.
patent: 5764916 (1998-06-01), Busey et al.
patent: 5778164 (1998-07-01), Watkins et al.
patent: 5819235 (1998-10-01), Tamai et al.
patent: 5857079 (1999-01-01), Claus et al.
patent: 5866889 (1999-02-01), Weiss et al.
patent: 5878403 (1999-03-01), DeFrancesco et al.
patent: 5963625 (1999-10-01), Kawecki et al.
patent: 5970478 (1999-10-01), Walker et al.
patent: 5991740 (1999-11-01), Messer
patent: 6014645 (2000-01-01), Cunningham
patent: 6044360 (2000-03-01), Picciallo
patent: 6049784 (2000-04-01), Weatherly et al.
patent: 6058428 (2000-05-01), Wang et al.
patent: 6064987 (2000-05-01), Walker et al.
patent: 6070149 (2000-05-01), Tavor et al.
patent: 6085126 (2000-07-01), Mellgren, III et al.
patent: 6085195 (2000-07-01), Hoyt et al.
patent: 6088686 (2000-07-01), Walker et al.
patent: 6138139 (2000-10-01), Beck et al.
patent: 6144991 (2000-11-01), England
patent: 6167395 (2000-12-01), Beck et al.
patent: 6185543 (2001-02-01), Galperin et al.
patent: 6202053 (2001-03-01), Christiansen et al.
patent: 6202155 (2001-03-01), Tushie et al.
patent: 6240396 (2001-05-01), Walker et al.
patent: 6267292 (2001-07-01), Walker et al.
patent: 6272506 (2001-08-01), Bell
patent: 6289319 (2001-09-01), Lockwood
patent: 6311169 (2001-10-01), Duhon
patent: 6311178 (2001-10-01), Bi et al.
patent: 6324524 (2001-11-01), Lent et al.
patent: 6330546 (2001-12-01), Gopinathan et al.
patent: 6349290 (2002-02-01), Horowitz et al.
patent: 6356909 (2002-03-01), Spencer
patent: 6374230 (2002-04-01), Walker et al.
patent: 6385594 (2002-05-01), Lebda et al.
patent: 6405181 (2002-06-01), Lent et al.
patent: 6438526 (2002-08-01), Dykes et al.
patent: 6449646 (2002-09-01), Sikora et al.
patent: 6510418 (2003-01-01), Case et al.
patent: 6516421 (2003-02-01), Peters et al.
patent: 6535492 (2003-03-01), Shtivelman
patent: 6542936 (2003-04-01), Mayle et al.
patent: 6567791 (2003-05-01), Lent et al.
patent: 6622131 (2003-09-01), Brown et al.
patent: 6718313 (2004-04-01), Lent et al.
patent: 6766302 (2004-07-01), Bach
patent: 6795812 (2004-09-01), Lent et al.
patent: 7143063 (2006-11-01), Lent et al.
patent: 7346576 (2008-03-01), Lent et al.
patent: 2001/0011245 (2001-08-01), Duhon
patent: 2001/0011246 (2001-08-01), Tammaro
patent: 2001/0011262 (2001-08-01), Hoyt et al.
patent: 2001/0011282 (2001-08-01), Katsumata et al.
patent: 2001/0014877 (2001-08-01), Defrancesco, Jr. et al.
patent: 2001/0027436 (2001-10-01), Tenembaum
patent: 2002/0016731 (2002-02-01), Kupersmit
patent: 2002/0023051 (2002-02-01), Kunzle et al.
patent: 2002/0029188 (2002-03-01), Schmid
patent: 2002/0067500 (2002-06-01), Yokomizo et al.
patent: 2003/0055778 (2003-03-01), Erlanger
patent: 2003/0195848 (2003-10-01), Felger
patent: 2004/0064412 (2004-04-01), Phillips et al.
patent: 2005/0004864 (2005-01-01), Lent et al.
patent: 2007/0027785 (2007-02-01), Lent et al.
patent: 2008/0021816 (2008-01-01), Lent et al.
patent: 2008/0270294 (2008-10-01), Lent et al.
patent: 2008/0270295 (2008-10-01), Lent et al.
patent: EP 1850284 (2007-04-01), None
patent: 1233361 (2002-12-01), None
patent: 409288453 (1997-11-01), None
patent: 2002328974 (2002-11-01), None
patent: WO-9845797 (1998-10-01), None
patent: WO-9909470 (1999-02-01), None
patent: WO-9944152 (1999-09-01), None
Anon, Regulation Z Commentary Amendments, Retail Banking Digest, vol. 15, No. 2, p. 17-18, Mar.-Apr. 1995.
Anon, San Diego Savings Association Offers Customers No-Fee Visa Product, Card News, Feb. 29, 1988.
Black, H.C., Black's Law Dictionary, pp. 1586-1589, West Publishing Co. St Paul, Min., 1990.
Bloom, J.K., “For This New Visa, Only Web Surfers Need Apply,” American Banker, vol. 1163, No. 34, p. 12, Feb. 20, 1998.
Anon., “Lending Tree: Lending Tree Provides Borrowers Fast and Easy Online Access to Multiple Loan Offers,” Business Wire, Jun. 23, 1998.
Harney, K.R., “Realty Brokers, Lenders Face Restrictions,” Arizona Republic, Final Chaser edition, Sun Living section, p. S7, Feb. 10, 1991.
Higgins, K.T., “Mr. Plastic Joins the Marketing Team,” Credit Card Management, vol. 6., No. 3, pp. 26-30, Jun. 1993.
“Creditnet.com—An Online Guide to Credit Cards”, http://www.creditnet/com.
Kantrow, Yvette D., “Banks Press Cardholders to Take Cash Advances”, American Banker, v. 157, n. 18, pp. 1-2. Jan. 28, 1992.
Black, H.C., Black's Law Dictionary, p. 1586-1589, West Publishing Co., St. Paul, Minnesota, 1990.
Emigh, J., “AnswerSoft Unveils Concerto for Web-Based Call Centers Feb. 5, 1996,” Newsbytes, Feb. 5, 1997.
Grigonis, R., “Webphony—It's not Just Callback Buttons Anymore,” Computer Telephony, p. 92, Dec. 1997.
Wagner, M., “Caring for Customers,” Internet World, Sep. 1, 1999.
Sweat, J., “Human Touch—A New Wave of E-Service Offerings Blends the Web, E-Mail, and Voice Bringing People back into the Picture,” Informationweek, Oct. 4, 1999.
Kirkpatrick, K., “Electronic Exchange 2000, The,” Computer Shopper, Nov. 1999.
Anon., “InstantService.com Teams with Island Data to provide Integrated Solution for Online Customer Response,” Business Wire, May 22, 2000.
Kersnar, S., “Countrywide Offers Proprietary Technology for Online Wholesale Lending,” National Mortgage News, vol. 24, No. 38, p. 8, Jun. 5, 2000.
Microsoft Press Computer Dictionary, Third Edition, Microsoft Press, Redmond, 1997, pp. 88 and 265.
Whiteside, D.E., “One Million and Counting,” Collections and Credit Risk, vol. 1, No. 11, p. 38, Nov. 1996.
Fickenscher, L., “Providian Undercuts rivals with 7.9% Rate Offer,” American banker, vol. 163, p. 16, Oct. 8, 1998.
Fargo, J., “The Internet Specialists,” Credit Card Management, vol. 11, No. 10, pp. 38-45, Jan. 1999.
Lemay, T., “Browsing for a Mortgage a Click away,” Financial Post, p. 1, Jan. 15, 2000.
Wijnen, R., “Banks Fortify Online Services,” Bank Technology News, vol. 13, No. 3, p. 8, Mar. 2000.
Armstrong, Douglas “Firstar Web Site Helps Add Up Future”, Milwaukee Journal Sentinel, Mar. 28, 1996, Final Edition, front page through p. 8.
Anon. “IAFC Launches NextCard, The First True Internet VISA,” Business Wire, New York: Feb. 6, 1998, p. 1 (3 pages).
Lazarony, Lucy, “Only Online Applicants Need Apply,” Bank Advertising News, North Palm Beach, Mar. 23, 1998, vol. 21, Issue 15, p. 1 (3 pages).
FIData, Inc., News & Press Releases, “Instant Credit Union Loans via the Internet,” http://web.archive.org/web/19990221115203/www.fidata-inc.com
ews-pr01.htm.
FIData, Inc., Press Releases, “Instant Loan Approvals via the Internet,” http://www.fidata-inc.com
ews/pr—040198.htm, Apr. 1, 1998.
Staff, “On-Line System Approves Loans While Customer Waits”—Abstract, Communication News, vol. 31, Issue 9, Sep. 1994.
Hibbard, Justin; Dalton, Gregory; Thyfault, Mary E.; “Web-based Customer Care,” InformationWeek, Jun. 1, 1998, 684, 18-20 (3 pages).
“ESL Federal Credit Union Inaugurates Internet Target Marketing,” PR Newswire, 210, Oct. 6, 1998 (3 pages).
Nash, Kim S. “Calling all Customers,

LandOfFree

Say what you really think

Search LandOfFree.com for the USA inventors and patents. Rate them and share your experience with other people.

Rating

Customized credit offer strategy based on terms specified by... does not yet have a rating. At this time, there are no reviews or comments for this patent.

If you have personal experience with Customized credit offer strategy based on terms specified by..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Customized credit offer strategy based on terms specified by... will most certainly appreciate the feedback.

Rate now

     

Profile ID: LFUS-PAI-O-4111199

  Search
All data on this website is collected from public sources. Our data reflects the most accurate information available at the time of publication.