Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2003-01-31
2009-12-08
Poinvil, Frantzy (Department: 3696)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S037000
Reexamination Certificate
active
07630932
ABSTRACT:
Methods, apparatuses and systems facilitating analysis of expected interest rates and, in some embodiments, other conditions and circumstances associated with a variety of different loan types. In one embodiment, the present invention allows for a network-based application allowing users the ability to assess for what loan interest rates they are eligible based on current interest rate data and credit analysis scores that are used to determine qualifications for one of a variety of interest rates. In one embodiment, the present invention enables a web-based loan rate analysis system that combines credit score analysis with analyses of collateral and debt/income to offer users the ability to learn for what loan interest rates they are eligible when purchasing or refinancing a home. Embodiments of the present invention further provide “what if” calculators allowing users to assess the impact of hypothetical changes to various factors determinative of available loan rates and other circumstances associated with loans.
REFERENCES:
patent: 6823319 (2004-11-01), Lynch et al.
patent: 6988082 (2006-01-01), Williams et al.
“LandSafe Offers Online Order, Delivery of Credit Reporting Products; Company's Web Site Enables Convenient and Easy Lending Decisions”, PR Newswire, New York, Oct. 27, 200, p. 1.
“Consumers now Can Know What Loan Rate Offers to Expect based on their FICO Credit Score at My FICO.com”, Business Editors and Real Estate/Automotive Writers. Business Wire, New York: Mar. 6, 2002, p. 1.
“Countrywide Reports February Operations Data”, PR NewsWire, NewYork: Mar. 6, 2000, p. 1.
Danaher John Thomas
Depow Justin
Maxwell Michael
Metzger Scott
Lenz William J.
Neal Gerber & Eisenberg LLP
Poinvil Frantzy
Transunion Interactive, Inc.
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