Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2005-05-31
2005-05-31
Nguyen, Cuong (Department: 3625)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S035000, C705S03600T
Reexamination Certificate
active
06901384
ABSTRACT:
An automated deal processing for customers is disclosed, and includes prompting a customer for at least one deal parameter, such as loan amount, prompting the customer for information relating to the customer, such as income and collateral offered by the customer, optionally accessing in real-time information relating to the credit history of the customer, applying a plurality of origination rules, such as exclusionary rules, pricing rules, risk rules, and edit preference rules, to the at least one deal parameter and the information relating to the customer, applying at least one strategy, such as compensation for risk, repair, or upsell, to the results of the application of the rules, generating at least one deal based on the accessing and applying of the strategy, and presenting the customer with the at least one option which may include a customer-preferred loan, a piggyback loan, a pre-qualification, or reduced term loan option,
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Barrett, What bankers want to know before granting a small business loan, Jour. of Accountancy, v169n4 pp. 47-54, Apr. 1990 (Dialog(R) file 15 acc. No. 00494378).*
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D'Urbano Roberto E.
Kaiser William
Lynch Joan
McNair John Howard
Polito Stephen John
American Home Credit, Inc.
Nguyen Cuong
Reed Smith LLP
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