Systems and methods for loan management with variable security arrangements
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United States of America Patent
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N/A
Issued Date -
Oct 5, 2006
app pub date -
Mar 29, 2005
filing date -
Mar 29, 2005
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
A data processing system, program product, and method is provided for managing at least one credit-granting account of a participant. The system comprises in one embodiment an electronic database including information describing collateral assets of the participant used for securing the credit-granting account, and a computer system comprising one or more processors coupled to the electronic database and programmed among them to establish through an API a credit-granting account with a facility to maintain a plurality of collateral assets as collateral for the credit-granting account; receive new information regarding a collateral asset that is real estate for securing the credit-granting account; determine perfection status of a security interest in the collateral asset; store, in the electronic database, the new information and at least any change in the perfection status; and determine an interest rate to be charged on outstanding credit balances based on the new information regarding the collateral asset available for securing the credit-granting account containing the perfection status. The system further comprises an electronic network access device for sending a signal identifying the new interest rate to an access-vehicle issuing system so that the issuing system can charge the interest rate on outstanding credit balances. In one of the alternative embodiments, the system sends a signal identifying the interest rate to an interest rate program that controls the interest rate for the credit-granting account.
First Claim
Family
- 15 United States
- 10 France
- 8 Japan
- 7 China
- 5 Korea
- 2 Other
Patent Owner(s)
Patent Owner | Address | |
---|---|---|
ACCESS CONTROL ADVANTAGE INC | P O BOX 1220 MANHASSET NY 11030 |
International Classification(s)
Inventor(s)
Inventor Name | Address | # of filed Patents | Total Citations |
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Bent, Bruce | New York, NY | 65 | 3679 |
Bent, Bruce II | New York, NY | 4 | 737 |
Vernaglia, Mark | Colts Neck, NJ | 3 | 140 |
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Maintenance Fees
Fee | Large entity fee | small entity fee | micro entity fee | due date |
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Fee | Large entity fee | small entity fee | micro entity fee |
---|---|---|---|
Surcharge after expiration - Late payment is unavoidable | $700.00 | $350.00 | $175.00 |
Surcharge after expiration - Late payment is unintentional | $1,640.00 | $820.00 | $410.00 |
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