Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2011-08-09
2011-08-09
Nguyen, Nga B. (Department: 3684)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S035000, C705S03600T, C705S037000, C705S039000, C705S040000, C235S379000, C235S380000
Reexamination Certificate
active
07996303
ABSTRACT:
Method and system for conducting a commercial transaction requiring a monetary loan online to allow a consumer or borrower to access a lending institution over a network connection and apply for a monetary loan online. The loan application is processed in real time and the borrower is notified of the type of loan, loan amount, interest rate, etc., that he/she is qualified for. Upon acceptance of the loan terms, the borrower is provided with a personal identification number (PIN) and a unique lender transaction ID that serves as confirmation of the loan. The lender transaction ID may then be taken to a suitable seller and used to conduct the transaction. The seller simply accesses the lending institution over a network connection, enters the lender transaction ID, the borrower's PIN, and other transaction-related information, and the lending institution automatically sends the appropriate payment to the seller.
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DiGiacomo Ron
Zettner Steven Dale
Nguyen Nga B.
Schwegman Lundberg & Woessner, P.A.
United Services Automobile Association (USAA)
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