Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2001-06-01
2008-12-30
Trammeli, James P. (Department: 3693)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S035000
Reexamination Certificate
active
07472088
ABSTRACT:
A system and method for offering a financial product to a customer in real-time while the customer is conducting a transaction over a network. In response to received identification information regarding the customer over the network, the present system and method retrieves data related to the identification information, determines if the customer qualifies to receive an offer of the financial product in response to the retrieved data, and then offers the financial product to the customer if the customer qualifies. If the customer accepts the offer of the financial product, the financial product is made immediately usable by the customer. This entire process is performed while the customer is conducting a transaction on-line or via telephone. In other words, the process is conducted in real-time. Because the determination of the qualification for an offer is conducted in real-time, the back-end process required to re-check the customer's credit data before approving the offer is eliminated.
REFERENCES:
patent: 3316395 (1967-04-01), Lavin
patent: 3634669 (1971-01-01), Wykcoff et al.
patent: 4254474 (1981-03-01), Cooper et al.
patent: 4594663 (1986-06-01), Hirayama
patent: 4598367 (1986-07-01), DeFrancesco et al.
patent: 4642768 (1987-02-01), Roberts
patent: 4736294 (1988-04-01), Le Grand
patent: 4739478 (1988-04-01), Roberts et al.
patent: 4760604 (1988-07-01), Cooper et al.
patent: 4812628 (1989-03-01), Boston
patent: 4831526 (1989-05-01), Luchs
patent: 4866634 (1989-09-01), Reboh
patent: 4897811 (1990-01-01), Scofield
patent: 4914587 (1990-04-01), Clouse
patent: 4964043 (1990-10-01), Galvin
patent: 5054096 (1991-10-01), Beizer
patent: 5206803 (1993-04-01), Vitagliano
patent: 5220500 (1993-06-01), Baird et al.
patent: 5227874 (1993-07-01), Von Kohorn
patent: 5231571 (1993-07-01), D'Agostino
patent: 5239462 (1993-08-01), Jones
patent: 5262941 (1993-11-01), Saladin
patent: 5274547 (1993-12-01), Zoffel
patent: 5278751 (1994-01-01), Adiano et al.
patent: 5321841 (1994-06-01), East et al.
patent: 5424938 (1995-06-01), Wagner
patent: 5444844 (1995-08-01), Inoue et al.
patent: 5481647 (1996-01-01), Brody et al.
patent: 5523942 (1996-06-01), Tyler et al.
patent: 5537315 (1996-07-01), Mitcham
patent: 5550734 (1996-08-01), Tater
patent: 5551021 (1996-08-01), Harada et al.
patent: 5569897 (1996-10-01), Masuda
patent: 5606496 (1997-02-01), D'Agostino
patent: 5611052 (1997-03-01), Dykstra
patent: 5644493 (1997-07-01), Motai et al.
patent: 5649116 (1997-07-01), McCoy et al.
patent: 5655085 (1997-08-01), Ryan
patent: 5664115 (1997-09-01), Fraser
patent: 5689649 (1997-11-01), Altman et al.
patent: 5696907 (1997-12-01), Tom
patent: 5699527 (1997-12-01), Davidson
patent: 5701400 (1997-12-01), Amado
patent: 5715402 (1998-02-01), Popolo
patent: 5717865 (1998-02-01), Stratmann
patent: 5732397 (1998-03-01), DeTore et al.
patent: 5742775 (1998-04-01), King
patent: 5758328 (1998-05-01), Giovannoli
patent: 5765144 (1998-06-01), Larche
patent: 5774882 (1998-06-01), Keen
patent: 5774883 (1998-06-01), Andersen et al.
patent: 5794207 (1998-08-01), Walker et al.
patent: 5797133 (1998-08-01), Jones
patent: 5802502 (1998-09-01), Gell et al.
patent: 5809478 (1998-09-01), Greco
patent: 5815683 (1998-09-01), Volger
patent: 5832447 (1998-11-01), Rieker et al.
patent: 5838906 (1998-11-01), Doyle et al.
patent: 5842178 (1998-11-01), Giovannoli
patent: 5844553 (1998-12-01), Hao et al.
patent: 5845256 (1998-12-01), Pescitelli
patent: 5848427 (1998-12-01), Hyodo
patent: 5862223 (1999-01-01), Walker et al.
patent: 5870721 (1999-02-01), Norris
patent: 5870723 (1999-02-01), Pare
patent: 5873096 (1999-02-01), Lim
patent: 5878403 (1999-03-01), DeFrancesco et al.
patent: 5920848 (1999-07-01), Schutzer et al.
patent: 5926800 (1999-07-01), Baronowski
patent: 5930764 (1999-07-01), Melchione
patent: 5930775 (1999-07-01), McCauley et al.
patent: 5930776 (1999-07-01), Dykstra
patent: 5940811 (1999-08-01), Norris
patent: 5940812 (1999-08-01), Tengel et al.
patent: 5963953 (1999-10-01), Cram et al.
patent: 5966699 (1999-10-01), Zandi
patent: 5970482 (1999-10-01), Pham
patent: 5970483 (1999-10-01), Evans
patent: 5983206 (1999-11-01), Oppenheimer
patent: 5987434 (1999-11-01), Libman
patent: 5987436 (1999-11-01), Halbrook
patent: 5991750 (1999-11-01), Watson
patent: 5995947 (1999-11-01), Fraser
patent: 6012044 (2000-01-01), Maggioncalda et al.
patent: 6014645 (2000-01-01), Cunningham
patent: 6014646 (2000-01-01), Vallee et al.
patent: 6029149 (2000-02-01), Dykstra
patent: 6032137 (2000-02-01), Hallard
patent: 6055517 (2000-04-01), Friend et al.
patent: 6078905 (2000-06-01), Pick-Le Winter
patent: 6088686 (2000-07-01), Walker et al.
patent: 6105007 (2000-08-01), Norris
patent: 6108644 (2000-08-01), Goldschlag et al.
patent: 6112190 (2000-08-01), Fletcher et al.
patent: 6128603 (2000-10-01), Dent et al.
patent: 6134530 (2000-10-01), Bunting et al.
patent: 6135349 (2000-10-01), Zirkel
patent: 6144948 (2000-11-01), Walker et al.
patent: 6167383 (2000-12-01), Henson
patent: 6185543 (2001-02-01), Galperin et al.
patent: 6208979 (2001-03-01), Sinclair
patent: 6216115 (2001-04-01), Barrameda et al.
patent: 6249775 (2001-06-01), Freeman et al.
patent: 6260026 (2001-07-01), Tomida et al.
patent: 6272528 (2001-08-01), Cullen et al.
patent: 6311169 (2001-10-01), Duhon
patent: 6324524 (2001-11-01), Lent et al.
patent: 6339766 (2002-01-01), Gephardt
patent: 6343279 (2002-01-01), Bissonette et al.
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: 6502080 (2002-12-01), Eichorst et al.
patent: 6529187 (2003-03-01), Dickelman
patent: 6556979 (2003-04-01), Liu et al.
patent: 6567791 (2003-05-01), Lent et al.
patent: 6578761 (2003-06-01), Spector
patent: 6601034 (2003-07-01), Honarvar et al.
patent: 6805287 (2004-10-01), Bishop
patent: 2003/0046222 (2003-03-01), Bard et al.
patent: 2003/0046223 (2003-03-01), Crawford et al.
patent: 2003/0101133 (2003-05-01), DeFrancesco, Jr. et al.
patent: 2003/0120586 (2003-06-01), Litty
patent: 2003/0135448 (2003-07-01), Aguias et al.
patent: 2003/0135449 (2003-07-01), Xu et al.
patent: 2003/0135450 (2003-07-01), Aguais et al.
patent: 2003/0140000 (2003-07-01), Lee
patent: 2003/0176931 (2003-09-01), Pednault et al.
patent: 2003/0195840 (2003-10-01), Xu
patent: 2003/0229582 (2003-12-01), Sherman et al.
patent: 2004/0044615 (2004-03-01), Xue et al.
patent: 2005/0097036 (2005-05-01), White et al.
patent: WO/0026831 (2000-05-01), None
patent: WO/0026832 (2000-05-01), None
patent: WO/0026833 (2000-05-01), None
patent: WO 02/03226 (2002-01-01), None
“Online Business Computer Applicatns”, by Alan Eliason, 2ndedition, copyright 1987, ISBN: 0-02-332461-9 (5 pages attached).
Hickman et al., An Evolutionary Leap in Credit Portfolio Risk Modeling, Dec. 18, 2002.
Automated Capture for Forms & Documents, Cardiff Teleform Elite, copyright 1991-2000.
Anonymous, Car Loans in Minutes, Bank Management, vol. 64, No. 4, Apr, 1, 1993.
Credit Line Optimization, A Marketswitch Paper, Marketswitch Corporation, www.marketswitch.com, copyright 2002, 6 pps.
Credit Score Accuracy and Implications for Consumers, Consumer Federation of America National Credit Rep, Dec. 17, 2002.
Fast Start Scoring Models, Scorex, http://www.Scores.com/us/home.html, copyright 2003, Jun. 25, 2005.
Banasiak, Integrating Predictive Scoring Technology, 12thAnnual Credit Card Collections Conference, Oct. 15-Oct. 17, 2003.
NAESB-SUIS Creditworthiness Principles Draft #1, NAESB-SUIS, Dec. 9, 2002.
Hubbard et al., NextGen FICO Scores: More Predictive Power in Account Management, A Fair Isaac Paper, Sep. 1, 2001.
Scorex Launches New Credit Line Optimization Consulting Service, Sorex, Press Release, Oct. 27, 2003.
Strategy Science Executive Brief, Fair Isaac, copyright Jun. 2003, Jun. 1, 2003.
Triad Adaptive Control System-Version 7, Fair Isaac, copyright 2003, Jun. 25, 2005.
Paradi et al., Using DEA and Negative DEA in Credit Risk Evaluation, Journal of Productivity Analysis, vol. 21, 2004, pp. 153-165.
Abstract of Article entitled: “Boscov's Converts Checkwriter
Coro Luz-Maria
Taylor James W.
Apple Kirsten Sachwitz
Goodwin & Procter LLP
JPMorgan Chase Bank N.A.
Trammeli James P.
LandOfFree
System and method for offering a financial product does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with System and method for offering a financial product, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and System and method for offering a financial product will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-4046748