Source: http://www.google.nl/patents/US6324524?hl=nl
Timestamp: 2013-05-25 12:48:22
Document Index: 89952661

Matched Legal Cases: ['art 199016', 'art 1997', 'art 199510', 'art 1998', 'art 1999', 'art 199727', 'art 199719', 'art 200211', 'art 2008', 'art 2009', 'art 2009', 'art 200123', 'art 2010', 'art 2010', 'art 200216', 'art 2011', 'art 2011', 'art 2011', 'art 2011', 'art 2012', 'art 2012', 'art 2012', 'art 201127', 'art 20128', 'art 2013', 'art 201219', 'art 2013', 'art 2013', 'art 2012']

Patent US6324524 - Method and apparatus for an account level offer of credit and real time ... - Google PatentenZoeken Afbeeldingen Maps Play YouTube Nieuws Gmail Drive Meer » Geavanceerd zoeken naar patenten | Webgeschiedenis | Inloggen Geavanceerd zoeken naar patenten PatentenA system and method are disclosed for presenting multiple custom offers to an applicant for credit over a network. The method includes obtaining a credit report containing applicant data. A plurality of offers are presented to the applicant. The plurality of offers are derived from the applicant data....http://www.google.nl/patents/US6324524?utm_source=gb-gplus-sharePatent US6324524 - Method and apparatus for an account level offer of credit and real time balance transfer PublicatienummerUS6324524 B1PublicatietypeVerlening Aanvraagnummer09/185,000 Publicatiedatum27 nov 2001 Aanvraagdatum3 nov 1998 Prioriteitsdatum3 nov 1998Ook gepubliceerd alsCA2347234A1EP1196883A1EP1196883A4WO2000026832A1 UitvindersJeremy R. LentMary LentEric R. MeeksYinzi CaiTimothy J. ColtrellDavid W. Dowhan Oorspronkelijke patenteigenaarNextcard, Inc.Nextcard, LlcMarshall Credit Strategies, Llc, A Texas Limited Liability CompanyNextcard, Llc, A Texas Limited Liability Company Classificatie in de VS705/38705/39705/35705/14.39 Internationale classificatieG06Q40/00 Co�peratieve classificatieG06Q40/00G06Q20/10G06Q30/0239G06Q40/08G06Q40/025 Europese classificatieG06Q 40/08G06Q 40/00G06Q 30/0239G06Q 20/10G06Q 40/025ReferentiesPatentcitaties (39)Niet-patentcitaties (33) Verwijzingen naar dit patent (129)Externe linksUSPTO USPTO-toewijzing EspacenetMethod and apparatus for an account level offer of credit and real time balance transferUS 6324524 B1 Samenvatting A system and method are disclosed for presenting multiple custom offers to an applicant for credit over a network. The method includes obtaining a credit report containing applicant data. A plurality of offers are presented to the applicant. The plurality of offers are derived from the applicant data. The plurality of offers include different required balance transfers. A selected offer is obtained from the applicant.
an underwriter configured to obtain a credit report containing applicant data; and an applicant interface configured to present a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include teaser rates and wherein each teaser rate corresponds to a percentage balance transfer required from the applicant, and to obtain a selected offer from the applicant. Beschrijving
Patentcitaties Geciteerd patent Aanvraagdatum Publicatiedatum Aanvrager TitelUS51877351 mei 199016 feb 1993Tele Guia Talking Yellow Pages, Inc.Integrated voice-mail based voice and information processing systemUS523946225 feb 199224 aug 1993Creative Solutions Groups, Inc.Method and apparatus for automatically determining the approval status of a potential borrowerUS526294130 maart 199016 nov 1993Itt CorporationExpert credit recommendation method and systemUS538778330 april 19937 feb 1995Postalsoft, Inc.Method and apparatus for inserting and printing barcoded zip codesUS54505374 nov 199312 sept 1995Hitachi, Ltd.Method and apparatus for completing a partially completed document in accordance with a blank form from data automatically retrieved from a databaseUS56110521 nov 199311 maart 1997The Golden 1 Credit UnionLender direct credit evaluation and loan processing systemUS569690727 feb 19959 dec 1997General Electric CompanySystem and method for performing risk and credit analysis of financial service applicationsUS570402923 mei 199430 dec 1997Wright Strategies, Inc.System and method for completing an electronic formUS572716330 maart 199510 maart 1998Amazon.Com, Inc.Secure method for communicating credit card data when placing an order on a non-secure networkUS574565413 feb 199628 april 1998Hnc Software, Inc.Fast explanations of scored observationsUS576164018 dec 19952 juni 1998Nynex Science & Technology, Inc.Name and address processorUS577488225 okt 199330 juni 1998Keen; Regina D.Credit approval systemUS577488325 mei 199530 juni 1998Auto Data, Inc.Method for selecting a seller's most profitable financing programUS57971333 feb 199718 aug 1998Strategic Solutions Group, IncMethod for automatically determining the approval status of a potential borrowerUS581902920 feb 19976 okt 1998Brittan Communications International Corp.Third party verification system and methodUS58192352 feb 19936 okt 1998Ricoh Company, Ltd.Information processing apparatus and method utilizing useful additional-information itemUS581929123 aug 19966 okt 1998General Electric CompanyMatching new customer records to existing customer records in a large business database using hash keyUS58324657 april 19973 nov 1998General Electric CompanyMethod for building a self-learning evidential reasoning systemUS587072115 okt 19969 feb 1999Affinity Technology Group, Inc.System and method for real time loan approvalUS587840312 sept 19952 maart 1999CmsiComputer implemented automated credit application analysis and decision routing systemUS591113516 april 19918 juni 1999Proprietary Financial Products, Inc.System for managing financial accounts by a priority allocation of funds among accountsUS593077610 maart 199727 juli 1999The Golden 1 Credit UnionLender direct credit evaluation and loan processing systemUS594081115 okt 199617 aug 1999Affinity Technology Group, Inc.Closed loop financial transaction method and apparatusUS594081219 aug 199717 aug 1999Loanmarket Resources, L.L.C.Apparatus and method for automatically matching a best available loan to a potential borrower via global telecommunications networkUS59501793 dec 19967 sept 1999Providian Financial CorporationMethod and system for issuing a secured credit cardUS596041112 sept 199728 sept 1999Amazon.Com, Inc.Method and system for placing a purchase order via a communications networkUS596669911 okt 199612 okt 1999Loanx CorporationSystem and method for conducting loan auction over computer networkUS597047812 maart 199719 okt 1999Walker Asset Management Limited PartnershipMethod, apparatus, and program for customizing credit accountsUS598743410 juni 199616 nov 1999Libman; Richard MarcApparatus and method for transacting marketing and sales of financial productsUS599594712 sept 199730 nov 1999Imx Mortgage ExchangeInteractive mortgage and loan information and real-time trading systemUS600083224 sept 199714 dec 1999Microsoft CorporationElectronic online commerce card with customer generated transaction proxy number for online transactionsUS601464519 april 199611 jan 2000Block Financial CorporationReal-time financial card application systemUS602914926 april 199922 feb 2000The Golden 1 Credit UnionLender direct credit evaluation and loan processing systemUS602989022 juni 199829 feb 2000Orbis Patents, Ltd.User-Specified credit card systemUS60886863 dec 199611 juli 2000Citibank, N.A.System and method to performing on-line credit reviews and approvalsUS61050075 mei 199915 aug 2000Affinity Technology Group, Inc.Automatic financial account processing systemUS611219019 aug 199729 aug 2000Citibank, N.A.Method and system for commercial credit analysisEP0840244A11 okt 19976 mei 1998International Business Machines CorporationA system for electronically developing and processing a legal documentWO1997022073A112 dec 199619 juni 1997Citibank, N.A.System and method for performing on-line reviews and approvals of credit and liability applicationsNiet-patentcitatiesReferentie1"FICO," houseloans.idis.com/fico.htm, Oct. 2, 1998.*2"Low-Rent Loan Officer In a Kiosk", Bank Technology News, vol. 8, No. 2, p. 5, Feb. 1995.3"Phillips 66 Introduces Mastercard with Rebate Feature," PRNewswire, Sep. 14, 1995.*4"Wells Fargo Launches First Real-Time, Online Home Equity Credit Decision-Making Service", Business Wire, Jun. 1998, Dialog File 621: New Product Announcement.5"What Do FICO Credit Scores Mean to Me?" www.sancap.com/sis/FICO%20SCORE.htm, May 30, 1998.*6"What IS a FICO Score?" www.aspenloan.com/FICOscore.htm, Sep. 30, 1998.*7"What The Credit Bureau is Saying About you:", Changing Times, v. 37, p. 56, Jul. 1983.8"World Wide Web Enhances Customer's Choice", Cards International, No. 143, p. 9, Nov. 1995.9Anon. "Microsoft targets more than Pim market with Outlook 2000", Computer Reseller News n. 805, p. 99, Aug. 31, 1998.10Anon., "Citgo Puts a New Spin on the Cobranded Oil Card," Credit Card News, p. 4, Nov. 1, 1995.*11Anon., "To Boost Balances, AT&T Renews No-Fee Universal Card Offer," The Report on AT&T, vol. 10, No. 13, Mar. 30, 1992.*12Block, Valerie, "Network assembles card issuers at an Internet site," American Banker, vol. 160, No. 198, p. 11, Oct. 13, 1995.*13Borowsky, Mark, "The Neural Net: Predictor of Fraud or Victim of Hype?" Bank Technology News, p. 7, Sep. 1993.14Calvey, Mark, "Internet Gives Bankers a Snappy Comeback", San Francisco Business Times, vol. 13, No. 5, p. 3, Sep. 1998.15Canter, Ronald S., "Lender Beware-Federal Regulation of Consumer Credit", Credit World, vol. 81, No. 5, pp. 16-20, May 1993.16Chesanow, N., "Pick the Right Credit Cards-and Use Them Wisely," Medical Economics, vol. 75, No. 16, p. 94, Aug. 24, 1998.*17Chesanow, N., "Pick the Right Credit Cards�and Use Them Wisely," Medical Economics, vol. 75, No. 16, p. 94, Aug. 24, 1998.*18Credit Card Network, http://consumers.creditnet.com/.19Credit Card Network, U.S.A., http://www.creditnet.com/consumers.html, Date Unknown.*20Duclaux, Denise, "A Check for $5,000 in Ten Minutes", ABA Banking Journal, vol. 87, No. 8, p. 45, Aug. 1995.21FIData, Inc., Press Release, Aug. 26, 1998, http://fidata-inc.com.22Friedland, Marc, "Credit Scoring digs Deeper into Data", Credit World, v84, No. 5, p. 19-23, May 1996.23Handley, John, "Credit Review Lets the Numbers Do the Talking in Home Mortgage Game", Chicago Tribune, Jul. 1998.24Hollander, Geoffrey, "Sibling Tool Personator 3 Untangles File Formats", InfoWorld v20, n5, pp. 102, Feb. 2, 1998.25Kantrow, Y.D., "Banks Press Cardholders to Take Cash Advances," American Banker, vol. 157, No. 18, p. 1, Jan. 28, 1992.*26List of Web pages from Altavista, http://www.altavista.com/cgi-bin/query?pg=q&stype=stext&sc=on&q=FICO&stq=10, Nov. 4, 1999.*27Lotus News Release: "Lotus Delivers Pre-Release of Lotus Notes 4.6 Client Provides Compelling New Integration with Internet Explorer," May 20, 1997.28McCormick, Linda W.: "Users of Credit Scoring Face Tough Rules on Notification", American Banker, May 21, 1982.29McShane, Peter K., "Got Financing?", Business Journal Serving Southern Tier, CNY, Sep. 15, 1997, vol. 11, Issue 19, p. 9.30Press Release, Aug. 26, 1998, FIData, Inc., http://fidata-inc.com.31Sherman, Lee, "Wells Fargo Writes a New Online Script", Interactive Week, vol. 5, No. 31, p. 29, Aug. 1998.32Staff, "On-Line System Approves Loans While Customer Waits", Communication News, vol. 31, No. 9, Sep. 1994.33Stetenfeld, Beth, "Credit scoring: Finding the Right Recipe", Credit Union Management, v 17, n. 11, p. 24-26, Nov. 1994. Verwijzingen naar dit patent Citerend patent Aanvraagdatum Publicatiedatum Aanvrager TitelUS661181622 feb 200226 aug 2003Lendingtree, Inc.Method and computer network for co-ordinating a loan over the InternetUS671831315 juni 20006 april 2004Next Card, Inc.Integrating live chat into an online credit card applicationUS673557213 maart 200211 mei 2004BuyerleverageBuyer-driven targeting of purchasing entitiesUS679581215 juni 200021 sept 2004Nextcard, Inc.Implementing a counter offer for an on line credit card applicationUS728098030 juli 20019 okt 2007Fair Isaac CorporationAlgorithm for explaining credit scoresUS734657619 feb 200418 maart 2008Nextcard, LlcIntegrating live chat into an online credit card applicationUS735650321 feb 20018 april 2008Fair Isaac And Company, Inc.ASP business decision engineUS737991327 nov 200127 mei 2008Nextworth, Inc.Anonymous transaction systemUS738652831 mei 200210 juni 2008American Express Travel Related Services Company, Inc.System and method for acquisition, assimilation and storage of informationUS74093695 sept 20025 aug 2008Capital One Financial CorporationProviding a customer one or more options for increasing a line of creditUS741909422 okt 20042 sept 2008First Data CorporationSystem for maintaining transaction dataUS74411884 aug 200421 okt 2008Sprint Communications Company L.P.Web construction framework presentation tierUS744430214 juni 200228 okt 2008Ellie Mae, Inc.Online system for fulfilling loan applications from loan originatorsUS745109530 okt 200211 nov 2008Freddie MacSystems and methods for income scoringUS745445824 juni 200218 nov 2008Ntt Docomo, Inc.Method and system for application load balancingUS747208915 aug 200230 dec 2008Ellie Mae, Inc.Loan origination system interface for online loan application processingUS747209031 dec 200230 dec 2008Capital One Financial CorporationMethod and system for providing a higher credit limit to a customerUS74968434 aug 200424 feb 2009Sprint Communications Company L.P.Web construction framework controller and model tiersUS75059259 aug 200117 maart 2009Capital One Financial CorporationSystem, medium, and method for providing financial account information over a networkUS75059395 okt 200617 maart 2009Nextcard, Inc.Method and apparatus for a verifiable on line rejection of an applicant for creditUS752719511 april 20055 mei 2009Bill Me Later, Inc.Method and system for risk management in a transactionUS754626618 okt 20019 juni 2009General Electric CompanyMethod, system, and storage medium for pre-screening customers for credit card approval at a point of saleUS75520809 maart 200123 juni 2009Nextcard, LlcCustomized credit offer strategy based on terms specified by an applicantUS757759824 april 200218 aug 2009United Parcel Service Of America, Inc.Account opening facilitation system, method and computer program productUS759389110 juni 200522 sept 2009Experian Scorex LlcCredit score simulationUS761024330 juni 200527 okt 2009American Express Travel Related Services Company, Inc.Method and apparatus for rating asset-backed securitiesUS761026131 okt 200727 okt 2009American Express Travel Related Services Company, Inc.System and method for acquisition, assimilation and storage of informationUS763093320 feb 20048 dec 2009Horizon Digital Finance, LlcSystem and method for matching loan consumers and lendersUS764727429 dec 200612 jan 2010Horizon Digital Finance, LlcSystem and method for matching loan consumers and lendersUS768945112 dec 200130 maart 2010Capital One Financial CorporationSystems and methods for marketing financial products and servicesUS768950212 feb 200130 maart 2010Capital One Financial CorporationSystem and method for providing extra lines of creditUS77115747 okt 20034 mei 2010Federal Home Loan Mortgage Corporation (Freddie Mac)System and method for providing automated value estimates of properties as of a specified previous time periodUS771163527 feb 20064 mei 2010Fair Isaac CorporationSystem and method for helping consumers understand and interpret credit scoresUS771611323 april 200411 mei 2010Cantor Index, LlcSystem and method for providing an intermediary for a transactionUS77345229 jan 20088 juni 2010Fair Isaac CorporationASP business decision engineUS774298015 nov 200222 juni 2010Imx, Inc.Automated loan approval systemUS775678131 okt 200713 juli 2010Nextcard, LlcMethod and apparatus for a verifiable on line rejection of an applicant for creditUS776138514 juli 200520 juli 2010Echarge CorporationMethod and apparatus for ordering goods, services and content over an internetwork using a virtual payment accountUS776421921 okt 200827 juli 2010Telecommunication Systems, Inc.Cellular augmented radar/laser detectorUS77788854 dec 200617 aug 2010Lower My Bills, Inc.System and method of enhancing leadsUS777892025 feb 200217 aug 2010American Express Travel Related Services Company, Inc.Method and apparatus for providing pre-existing and prospective customers with an immediately accessible accountUS77822549 aug 200624 aug 2010Telecommunication Systems, Inc.Culled satellite ephemeris information based on limiting a span of an inverted cone for locating satellite in-range determinationsUS778814729 okt 200431 aug 2010American Express Travel Related Services Company, Inc.Method and apparatus for estimating the spend capacity of consumersUS778815210 feb 200931 aug 2010American Express Travel Related Services Company, Inc.Method and apparatus for estimating the spend capacity of consumersUS77881706 dec 200631 aug 2010Capital One Financial CorporationSystem and method for providing extra lines of creditUS779716630 okt 200214 sept 2010Federal Home Loan Mortgage Corporation (Freddie Mac)Systems and methods for generating a model for income scoringUS781400430 juni 200512 okt 2010American Express Travel Related Services Company, Inc.Method and apparatus for development and use of a credit score based on spend capacityUS78226652 aug 200626 okt 2010American Express Travel Related Services Company, Inc.Using commercial share of wallet in private equity investmentsUS783591912 maart 200216 nov 2010Freddie MacSystems and methods for home value scoringUS783597423 april 200416 nov 2010Cantor Index, LLC.System and method for managing risk associated with product transactionsUS784048430 juni 200523 nov 2010American Express Travel Related Services Company, Inc.Credit score and scorecard developmentUS78445349 juli 201030 nov 2010American Express Travel Related Services Company, Inc.Using commercial share of wallet to rate investmentsUS784900327 april 20077 dec 2010Efunds CorporationMethods and systems for opening and funding a financial account onlineUS789042010 mei 201015 feb 2011American Express Travel Related Services Company, Inc.Method and apparatus for development and use of a credit score based on spend capacityUS789623723 aug 20061 maart 2011Compucredit Intellectual Property Holdings Corp. IiCredit card offer and activation system and methodUS790438422 okt 20078 maart 2011Capital One Financial CorporationSystem and method for providing extra lines of creditUS790822614 juli 200515 maart 2011Echarge CorporationMethod and apparatus for ordering goods, services and content over an internetwork using a virtual payment accountUS791277030 juni 200522 maart 2011American Express Travel Related Services Company, Inc.Method and apparatus for consumer interaction based on spend capacityUS792557723 april 200412 april 2011Cantor Index LlcSystem and method for establishing and providing access to various types of online accountsUS792558221 sept 200912 april 2011Experian Information Solutions, Inc.Credit score simulationUS79302446 juli 201019 april 2011American Express Travel Related Services Company, Inc.Method and apparatus for providing pre-existing customers and prospective customers with an immediately accessible accountUS794136312 aug 200310 mei 2011International Business Machines CorporationSystem, method and computer program product for managing credit decisionsUS794959426 sept 200324 mei 2011First Data CorporationSystems and methods for participant controlled communications regarding financial accountsUS79662551 nov 200221 juni 2011American Express Travel Related Services Company, Inc.Method and apparatus for a no pre-set spending limit transaction cardUS79748546 april 20105 juli 2011Federal Home Loan Mortgage Corporation (Freddie Mac)Systems and methods for retrospective home value scoringUS799166610 feb 20092 aug 2011American Express Travel Related Services Company, Inc.Method and apparatus for estimating the spend capacity of consumersUS799167721 okt 20102 aug 2011American Express Travel Related Services Company, Inc.Using commercial share of wallet to rate investmentsUS799629723 april 20049 aug 2011Cantor Index, LlcSystem and method for providing access to and managing account activity for an online accountUS800103923 april 200416 aug 2011Cantor Index, LlcSystem and method for establishing and providing access to an online accountUS800104127 juli 200716 aug 2011Fair Isaac CorporationAlgorithm for explaining credit scoresUS801044618 mei 200430 aug 2011Bill Me Later Inc.Method, system and apparatus for providing a variable credit account to a consumerUS801508511 nov 20046 sept 2011First Data CorporationSystem for distributing fundsUS801510726 okt 20096 sept 2011Experian Information Solutions, Inc.System and method for interactively simulating a credit-worthiness scoreUS80242459 juli 201020 sept 2011American Express Travel Related Services Company, Inc.Using commercial share of wallet in private equity investmentsUS803697831 dec 199911 okt 2011Pitney Bowes Inc.Method of upgrading third party functionality in an electronic fraud management systemUS807373613 dec 20076 dec 2011First Data CorporationSystems and methods for redeeming rewards associated with accountsUS807375215 april 20086 dec 2011American Express Travel Related Services Company, Inc.Using commercial share of wallet to rate business prospectsUS807376814 okt 20106 dec 2011American Express Travel Related Services Company, Inc.Credit score and scorecard developmentUS807377620 juni 20116 dec 2011American Express Travel Related Services Company, Inc.Method and apparatus for a no pre-set spending limit transaction cardUS807852425 juni 200213 dec 2011Fair Isaac CorporationMethod and apparatus for explaining credit scoresUS80865092 aug 200627 dec 2011American Express Travel Related Services Company, Inc.Determining commercial share of walletUS809073416 sept 20093 jan 2012American Express Travel Related Services Company, Inc.System and method for assessing riskUS809545811 nov 200910 jan 2012Horizon Digital Finance, LlcSystem and method for matching loan consumers and lendersUS81083031 okt 200931 jan 2012Moran WilliamMethod and apparatus for home buyers loan approval validationUS81123498 juni 20097 feb 2012General Electric CompanyMethod, system, and storage medium for pre-screening customers for credit card approval at a point of saleUS811711718 nov 200814 feb 2012Ellie Mae, Inc.Loan origination system interface for online loan application processingUS812191815 april 200821 feb 2012American Express Travel Related Services Company, Inc.Using commercial share of wallet to manage vendorsUS812692018 nov 200428 feb 2012Ellie Mae, Inc.Enterprise security management system using hierarchical organization and multiple ownership structureUS81316142 aug 20066 maart 2012American Express Travel Related Services Company, Inc.Using commercial share of wallet to compile marketing company listsUS813163921 juni 20116 maart 2012American Express Travel Related Services, Inc.Method and apparatus for estimating the spend capacity of consumersUS814554915 sept 201027 maart 2012Jpmorgan Chase Bank, N.A.System and method for offering risk-based interest rates in a credit instutmentUS816095315 nov 201017 april 2012Cantor Index, LlcSystem and method for managing risk associated with product transactionsUS816095727 april 200717 april 2012Efunds CorporationMethods and systems for opening and funding a financial account onlineUS817093814 okt 20111 mei 2012American Express Travel Related Services Company, Inc.Using commercial share of wallet to rate business prospectsUS817594514 okt 20118 mei 2012American Express Travel Related Services Company, Inc.Using commercial share of wallet to compile marketing company listsUS820477415 dec 200619 juni 2012American Express Travel Related Services Company, Inc.Estimating the spend capacity of consumer householdsUS821426213 aug 20103 juli 2012Lower My Bills, Inc.System and method of enhancing leadsUS822472331 mei 200217 juli 2012Jpmorgan Chase Bank, N.A.Account opening system, method and computer program productUS823930426 feb 20037 aug 2012Jpmorgan Chase Bank, N.A.Method and system for providing pre-approved targeted productsUS82566681 sept 20114 sept 2012Bennett James DOnline purchasing system supporting lenders with affordability screeningUS82713793 dec 199918 sept 2012Universal Card Services Corp.Systems and methods for building a personalized accountUS829621327 juni 201123 okt 2012American Express Travel Related Services Company, Inc.Using commercial share of wallet to rate investmentsUS83068907 mei 20126 nov 2012American Express Travel Related Services Company, Inc.Determining commercial share of walletUS830690730 mei 20036 nov 2012Jpmorgan Chase Bank N.A.System and method for offering risk-based interest rates in a credit instrumentUS83119361 nov 201113 nov 2012American Express Travel Related Services Company, Inc.Credit score and scorecard developmentUS831593323 jan 201220 nov 2012American Express Travel Related Services Company, Inc.Using commercial share of wallet to manage vendorsUS83159425 jan 201120 nov 2012American Express Travel Related Services Company, Inc.Method and apparatus for development and use of a credit score based on spend capacityUS83213344 maart 201127 nov 2012Experian Information Solutions, Inc.Credit score simulationUS83266712 aug 20064 dec 2012American Express Travel Related Services Company, Inc.Using commercial share of wallet to analyze vendors in online marketplacesUS83266722 aug 20064 dec 2012American Express Travel Related Services Company, Inc.Using commercial share of wallet in financial databasesUS832674718 juni 20094 dec 2012American Express Travel Related Services Company, Inc.System and method for flexible deferred payment termsUS832674816 juni 20104 dec 2012Imx, Inc.Automated loan approval systemUS83357412 sept 201118 dec 2012Experian Information Solutions, Inc.System and method for interactively simulating a credit-worthiness scoreUS833666429 nov 201025 dec 2012Telecommunication Systems, Inc.Telematics basic mobile device safety interlockUS835234328 maart 20128 jan 2013American Express Travel Related Services Company Inc.Using commercial share of wallet to compile marketing company listsUS835237016 mei 20118 jan 2013Jpmorgan Chase Bank, N.A.System and method for universal instant creditUS835926419 dec 201122 jan 2013Horizon Digital Finance, LlcSystem and method for matching loan consumers and lendersUS836457927 okt 200829 jan 2013Ellie Mae, Inc.Online system for fulfilling loan applications from loan originatorsUS83645828 aug 201229 jan 2013American Express Travel Related Services Company, Inc.Credit score and scorecard developmentUS83702552 juli 20105 feb 2013Capital One Financial CorporationSystem and method for providing extra lines of creditUS840186811 mei 201019 maart 2013Freddie MacSystem and method for providing an income score of an applicant based on an income score modelUS840188928 maart 201219 maart 2013American Express Travel Related Services Company, Inc.Estimating the spend capacity of consumer householdsUS840194729 juni 201219 maart 2013American Express Travel Related Service Company, Inc.Industry size of walletUS201003060817 juni 20102 dec 2010Echarge CorporationMethod and apparatus for ordering goods, services and content over an internetwork using a virtual payment accountUS2011013780115 feb 20119 juni 2011Echarge CorporationMethod and apparatus for ordering goods, services and content over an internetwork using a virtual payment accountUS201103139131 sept 201122 dec 2011Bennett James DOnline purchasing system supporting lenders with affordability screeningUS201200540929 nov 20111 maart 2012Anderson DavidMethod and computer network for co-ordinating financial service/productsUS2012010981519 dec 20113 mei 2012Horizon Digital Finance, LlcSystem and Method for Matching Loan Consumers and LendersWO2007005602A230 juni 200611 jan 2007American Express Travel Related Services Company,Inc.Method and apparatus for rating asset-backed securitiesDraaienOriginele afbeeldingGoogle Startpagina - Sitemap - USPTO-bulkdownloads - Privacybeleid - Servicevoorwaarden - Over Google Patenten - Feedback verzendenGegevens geleverd door IFI CLAIMS Patent Services© 2012 Google