Method and apparatus for a verifiable on line rejection of an applicant for credit

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 7505939
APP PUB NO 20070027785A1
SERIAL NO

11543569

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.

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First Claim

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Patent Owner(s)

  • NEXTCARD, INC.;NEXTCARD, LLC

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Cai, Yinzi Fremont, US 12 2694
Coltrell, Timothy J Danville, US 9 2671
Dowhan, David W Mountain View, US 9 2671
Gately, Dermot San Bruno, US 3 433
Lent, Jeremy R Corte Madera, US 9 2671
Lent, Mary Corte Madera, US 9 2671
Meeks, Eric R San Francisco, US 10 2756

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