Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Electronic shopping
Reexamination Certificate
2001-03-14
2011-10-11
Rudy, Andrew Joseph (Department: 3687)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Electronic shopping
C705S038000, C235S380000
Reexamination Certificate
active
08036941
ABSTRACT:
An online system uses, in various embodiments of the invention, credit report information, loan affordability screening and credit approval and management functionality to facilitate the purchase and finance of products online. The online system may include both sellers of products and lenders that offer financing to buyers seeking to purchase the products. The system may automatically obtain a buyer's credit report information and use that information to determine if the buyer is pre-approved, for example, to obtain financing for a particular product or products. The system also enables use of buyer credit information to identify only those of a seller's products for which the buyer is pre-approved, for example, to finance using one or more loans. The system then enables selection of an identified product or products for purchase, and selection of a loan, for example, for financing of the selected product or products. Credit approval (or pre-approval) may be performed automatically, and along with credit processing, may be performed completely online.
REFERENCES:
patent: 5239462 (1993-08-01), Jones et al.
patent: 5339392 (1994-08-01), Risberg et al.
patent: 5732400 (1998-03-01), Mandler et al.
patent: 5797133 (1998-08-01), Jones et al.
patent: 5903721 (1999-05-01), Sixtus
patent: 5940811 (1999-08-01), Norris
patent: 5984180 (1999-11-01), Albrecht
patent: 6014645 (2000-01-01), Cunningham
patent: 6029149 (2000-02-01), Dykstra et al.
patent: 6052674 (2000-04-01), Zervides et al.
patent: 6055514 (2000-04-01), Wren
patent: 6088686 (2000-07-01), Walker et al.
patent: 6144948 (2000-11-01), Walker et al.
patent: 6167385 (2000-12-01), Hartley-Urquhart
patent: 6208979 (2001-03-01), Sinclair
patent: 6233566 (2001-05-01), Levine et al.
patent: 6311169 (2001-10-01), Duhon
patent: 6324521 (2001-11-01), Shiota et al.
patent: 6393436 (2002-05-01), Vaimberg-Araujo
patent: 6405181 (2002-06-01), Lent et al.
patent: 6434607 (2002-08-01), Haverstock et al.
patent: 6453306 (2002-09-01), Quelene
patent: 6466981 (2002-10-01), Levy
patent: 6477575 (2002-11-01), Koeppel et al.
patent: 6484149 (2002-11-01), Jammes et al.
patent: 6567791 (2003-05-01), Lent et al.
patent: 6587841 (2003-07-01), DeFrancesco et al.
patent: 6611816 (2003-08-01), Lebda et al.
patent: 6658393 (2003-12-01), Basch et al.
patent: 6766302 (2004-07-01), bach
patent: 6785661 (2004-08-01), Mandler et al.
patent: 6795812 (2004-09-01), Lent et al.
patent: 6898570 (2005-05-01), Tedesco et al.
patent: 6928412 (2005-08-01), DeBiasse
patent: 6950807 (2005-09-01), Brock
patent: 6957192 (2005-10-01), Peth
patent: 6988085 (2006-01-01), Hedy
patent: 7047219 (2006-05-01), Martin et al.
patent: 7069234 (2006-06-01), Cornelius et al.
patent: 7082412 (2006-07-01), Treider et al.
patent: 7096354 (2006-08-01), Wheeler et al.
patent: 7103568 (2006-09-01), Fusz et al.
patent: 7133935 (2006-11-01), Hedy
patent: 7143063 (2006-11-01), Lent et al.
patent: 7181427 (2007-02-01), DeFrancesco et al.
patent: 7194436 (2007-03-01), Tammaro
patent: 7249097 (2007-07-01), Hutchison et al.
patent: 7310617 (2007-12-01), Cunningham
patent: 7376603 (2008-05-01), Mayr et al.
patent: 7742966 (2010-06-01), Erlanger
Bennett James D.
Winslade Christopher C.
McAndrews Held & Malloy Ltd.
Rudy Andrew Joseph
LandOfFree
Online purchasing system supporting lenders with... does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with Online purchasing system supporting lenders with..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Online purchasing system supporting lenders with... will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-4272698