Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2011-04-26
2011-04-26
Colbert, Ella (Department: 3694)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S001100, C705S014270, C705S026640, C705S035000, C705S037000, C705S039000, C705S042000, C705S045000, C705S050000, C705S064000, C235S379000, C463S042000, C707S793000, C709S204000
Reexamination Certificate
active
07933833
ABSTRACT:
A method and apparatus for rapidly and remotely providing temporary credit to a borrower is provided. In one embodiment, a lender uses as one criterion in approving the temporary credit a minimum number of deposits within a predetermined deposit verification time. Upon receipt of a request for credit, which may come either from a prospective borrower or from a merchant upon denial of credit to the prospective borrower, a lender queries a deposit account to determine whether a predetermined minimum number of deposits has been made within a predetermined deposit verification time. The lender may also determine whether each of the deposits exceeds a minimum deposit amount. Where approved, the lender is able to rapidly dispense funds for use by the borrower. In one embodiment, the lender makes these funds available via a pre-paid credit card. The lender is then able to collect principal and interest through electronic withdrawals.
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http://www.pdlloans.com/index.php === already submitted by the Applicant with IDS filed on Aug. 31, 2006.
http://www.mtvernonfinancial.comlleads/leadform.jsp === already submitted by the Applicant with IDS filed on Aug. 31, 2006.
http://www.pdlloans.com/index.php.
http://www.mtvernonfinancial.com/leads/leadform.jsp.
Hotz Stephen
Jindia Ajay Kumar
Kelly Jennifer
Srinivasan Krishnamoorthy
Burrus, IV Philip H.
Carroll Chason A.
Colbert Ella
Compucredit Intellectual Property Holdings Corp. II
Malhotra Sanjeev
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