US Patent No: 5,870,721
Number of patents in Portfolio can not be more than 2000
System and method for real time loan approval
Stats
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Feb 9, 1999
Issued date -
Oct 15, 1996
filing date -
08/729,892
serial no -
Expired
status
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Abstract
A method and apparatus for closed loop, automatic processing a loan, including completion of the application, underwriting, and transferring funds, includes use of a programmed computer to interface with an applicant, obtain the information needed to process the loan, determine whether to approve the loan, and effect electronic fund transfers to the applicant's deposit account and arrange for automatic withdrawals to repay the loan. Information is received from the applicant preferably by using voice recognition technology but alternatively by entering the alpha-numeric information using a personal computer keyboard or using the buttons on a telephone. The loan approval determination is made using a neural network with input obtained in part from the applicant and in part from databases accessed by the computer, such as a credit bureau, to obtain a credit report. The loan agreement is transmitted by facsimile to and from the applicant when the applicant has access to a facsimile machine or datafile to be printed or to an agent who delivers the agreement to the applicant when the applicant does not have access. In a preferred embodiment, the applicant accesses the computer from a kiosk where the complete transaction can take place as the applicant waits.
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First Claim
Related Publications
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- 15 United States
- 10 France
- 8 Japan
- 7 China
- 5 Korea
- 2 Other
Patent Owner(s)
| Patent Owner | Address | Total Patents |
|---|---|---|
| DECISIONING.COM, INC. | COLUMBIA, SC | 4 |
International Classification(s)
- [Classification Symbol]
- [Patents Count]
Inventor(s)
| Inventor Name | Address | # of filed Patents | Total Citations |
|---|---|---|---|
| Norris, Jeffrey A | Lake Forest, CA | 13 | 1284 |
Cited Art
| Patent Info | (Count) | # Cites | Year |
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| 5,241,620 Embedding neural networks into spreadsheet applications | 57 | 1991 | |
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| 4,491,725 Medical insurance verification and processing system | 260 | 1982 | |
Patent Citation Ranking
Forward Cites
| Patent Info | (Count) | # Cites | Year |
|---|---|---|---|
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| 7,181,427 Automated credit application system | 48 | 1997 | |
| 6,505,168 System and method for gathering and standardizing customer purchase information for target marketing | 92 | 1999 | |
| 7,809,636 System and method for multicurrency and multibank processing over a non-secure network | 0 | 1999 | |
| 7,945,492 System and method for integrating trading operations including the generation, processing and tracking of and trade documents | 0 | 2000 | |
| 7,805,365 Automated statement presentation, adjustment and payment system and method therefor | 14 | 2000 | |
| 7,212,996 System and method for dynamic, multivariable comparison of financial products | 5 | 2000 | |
| 7,062,462 On-line higher education financing system | 3 | 2000 | |
| 7,370,004 Personalized interactive network architecture | 26 | 2000 | |
| 7,068,832 Lockbox imaging system | 26 | 2000 | |
| 7,574,400 Financing information processing system and method | 3 | 2000 | |
| 6,867,789 System and method for generating graphical user interfaces | 15 | 2000 | |
| 7,831,508 System and method for implementing a consolidated application process | 1 | 2000 | |
| 8,015,084 System and method for linked account having sweep feature | 0 | 2000 | |
| 7,542,921 Network-based financial planning system and method | 7 | 2000 | |
| 7,321,864 System and method for providing funding approval associated with a project based on a document collection | 43 | 2000 | |
| 7,584,125 Electronic check presentment system and method having an item sequence capability | 2 | 2000 | |
| 6,631,849 Selectable multi-purpose card | 269 | 2000 | |
| 7,295,999 System and method for determining eligibility and enrolling members in various programs | 33 | 2000 | |
| 7,822,656 International banking system and method | 1 | 2001 | |
| 7,599,879 Syndication loan administration and processing system | 10 | 2001 | |
| 7,472,088 System and method for offering a financial product | 22 | 2001 | |
| 7,580,890 System and method for supervising account management operations | 2 | 2001 | |
| 8,285,641 System and method for selectable funding of electronic transactions | 0 | 2001 | |
| 7,433,829 System and method for managing global risk | 5 | 2001 | |
| 7,512,566 System and method for using a stored value account having subaccount feature | 5 | 2001 | |
| 7,987,501 System and method for single session sign-on | 1 | 2001 | |
| 7,546,272 Trade receivable processing method and apparatus | 15 | 2002 | |
| 7,895,098 System and method for measuring and utilizing pooling analytics | 17 | 2002 | |
| 7,689,482 System and method for payer (buyer) defined electronic invoice exchange | 13 | 2002 | |
| 7,519,560 System and method for electronic authorization of batch checks | 15 | 2002 | |
| 7,437,327 Method and system for buyer centric dispute resolution in electronic payment system | 23 | 2002 | |
| 7,401,048 System and method for trade settlement tracking and relative ranking | 39 | 2002 | |
| 7,536,354 Methods for electronic multiparty accounts receivable and accounts payable systems | 55 | 2002 | |
| 7,587,363 System and method for optimized funding of electronic transactions | 54 | 2002 | |
| 7,809,641 System and method for funding a collective account | 7 | 2002 | |
| 7,860,789 Multiple account advanced payment card and method of routing card transactions | 6 | 2002 | |
| 7,165,049 Sponsor funded stored value card | 63 | 2002 | |
| 8,301,493 System and method for providing incentives to consumers to share information | 0 | 2002 | |
| 7,801,816 System and method for currency selectable stored value instrument | 1 | 2003 | |
| 7,627,521 System and method for processing mircotransactions | 8 | 2003 | |
| 7,428,531 Customer information management system and method | 2 | 2003 | |
| 8,239,304 Method and system for providing pre-approved targeted products | 1 | 2003 | |
| 7,769,650 Network-based sub-allocation systems and methods for swaps | 12 | 2003 | |
| 7,899,753 Systems and methods for time variable financial authentication | 2 | 2003 | |
| 7,676,425 Method and system for providing flexible financing | 13 | 2003 | |
| 8,306,907 System and method for offering risk-based interest rates in a credit instrument | 1 | 2003 | |
| 7,606,756 Synthetic funds having structured notes | 0 | 2003 | |
| 7,953,663 System and method for financial instrument pre-qualification and offering | 3 | 2003 | |
| 7,809,595 System and method for managing risks associated with outside service providers | 3 | 2003 | |
| 8,239,323 Method and system for distribution of unactivated bank account cards | 1 | 2003 | |
| 7,130,828 Debit purchasing of stored value card for use by and/or delivery to others | 24 | 2003 | |
| 8,429,006 System and method for offer targeting | 0 | 2004 | |
| 7,467,106 System and method for offer management | 1 | 2004 | |
| 8,290,862 Method and system for expediting payment delivery | 0 | 2004 | |
| 7,668,777 System and method for providing instant-decision, financial network-based payment cards | 0 | 2004 | |
| 7,392,222 System and method for providing promotional pricing | 55 | 2004 | |
| 7,613,656 Coupon payment system | 0 | 2004 | |
| 7,707,111 Customer activated multi-value (CAM) card | 20 | 2004 | |
| 7,624,068 Method and system for dynamically adjusting discount rates for a card transaction | 12 | 2004 | |
| 8,175,908 Systems and methods for constructing and utilizing a merchant database derived from customer purchase transactions data | 1 | 2004 | |
| 7,349,866 System and method for funding a collective account by use of an electronic tag | 23 | 2004 | |
| 7,363,273 Debit purchasing of stored value card for use by and/or delivery to others | 14 | 2004 | |
| 7,174,314 Debit purchasing of stored value card for use by and/or delivery to others | 15 | 2004 | |
| 7,174,315 Debit purchasing of stored value card for use by and/or deliveries to others | 36 | 2004 | |
| 7,174,316 Debit purchasing of stored value card for use by and/or delivery to others | 14 | 2004 | |
| 7,174,317 Debit purchasing of stored value card for use by and/or delivery to others | 29 | 2004 | |
| 7,171,388 Debit purchasing of stored value card for use by and/or delivery to others | 13 | 2004 | |
| 7,480,631 System and method for detecting and processing fraud and credit abuse | 7 | 2004 | |
| 7,191,952 Selectable multi-purpose card | 71 | 2004 | |
| 7,890,343 System and method for generating risk management curves | 1 | 2005 | |
| 7,983,468 Method and system for extracting information from documents by document segregation | 0 | 2005 | |
| 7,380,707 Method and system for credit card reimbursements for health care transactions | 56 | 2005 | |
| 7,974,895 System and method for developing finance rate information | 0 | 2005 | |
| 7,756,896 System and method for multi-dimensional risk analysis | 18 | 2005 | |
| 7,844,518 Method and apparatus for managing credit limits | 0 | 2005 | |
| 7,774,248 Method and apparatus for managing risk | 0 | 2005 | |
| 7,685,064 Method and apparatus for evaluating a financial transaction | 1 | 2005 | |
| 7,360,686 Method and system for discovering significant subsets in collection of documents | 1 | 2005 | |
| 7,660,763 Customer activated multi-value (CAM) card | 13 | 2005 | |
| 7,263,507 Customer activated multi-value (CAM) card | 30 | 2005 | |
| 8,121,944 Method and system for facilitating network transaction processing | 1 | 2005 | |
| 7,676,409 Method and system for emulating a private label over an open network | 22 | 2005 | |
| 7,822,684 Personalized bank teller machine | 4 | 2005 | |
| 7,401,731 Method and system for implementing a card product with multiple customized relationships | 44 | 2005 | |
| 7,831,509 On-line higher education financing system | 0 | 2005 | |
| 7,925,578 Systems and methods for performing scoring optimization | 2 | 2005 | |
| 7,373,304 System and method for integrated customer management | 1 | 2005 | |
| 7,269,567 System and method for integrated customer management | 2 | 2005 | |
| 7,610,231 Synthetic funds having structured notes | 0 | 2005 | |
| 8,290,863 Method and system for expediting payment delivery | 0 | 2005 | |
| 7,801,799 Customer activated multi-value (CAM) card | 2 | 2005 | |
| 7,941,355 Universal payment protection | 2 | 2006 | |
| 7,962,396 System and method for managing risk | 0 | 2006 | |
| 7,809,642 Debit purchasing of stored value card for use by and/or delivery to others | 4 | 2006 | |
| 7,591,416 Selectable multi-purpose card | 27 | 2006 | |
| 7,676,429 Credit instrument and system providing multiple services including access to credit services and access to a service provider club | 0 | 2006 | |
| 7,311,244 System and method for funding a collective account by use of an electronic tag | 15 | 2006 | |
| 7,306,141 System and method for funding a collective account by use of an electronic tag | 15 | 2006 | |
| 7,784,682 System and method for granting promotional rewards to both customers and non-customers | 2 | 2006 | |
| 7,822,682 System and method for enhancing supply chain transactions | 30 | 2006 | |
| 7,260,549 Method and system for managing risk | 17 | 2006 | |
| 7,707,192 Confidence index for assets | 4 | 2006 | |
| 7,505,918 Method and system for managing risks | 2 | 2006 | |
| 7,317,823 Lockbox imaging system | 41 | 2006 | |
| 7,360,693 System and method for a card benefit program providing benefits to program members based on program performance | 11 | 2006 | |
| 7,753,259 System and method for granting promotional rewards to both customers and non-customers | 14 | 2006 | |
| 7,406,426 System and method for integrated customer management | 3 | 2006 | |
| 7,660,764 Service charge adjustment platform | 0 | 2006 | |
| 7,801,814 System and method for selectable funding of electronic transactions | 9 | 2006 | |
| 7,734,545 Method and system for processing recurring payments | 14 | 2006 | |
| 8,301,529 Method and system for implementing effective governance of transactions between trading partners | 0 | 2006 | |
| 7,357,331 Selectable multi-purpose card | 37 | 2006 | |
| 7,366,698 Trade receivable processing method and apparatus | 5 | 2006 | |
| 7,966,496 System and method for single sign on process for websites with multiple applications and services | 1 | 2006 | |
| 8,296,160 System and method for integrated customer management | 0 | 2006 | |
| 7,835,985 On-line higher education financing system | 1 | 2007 | |
| 7,814,007 On-line higher education financing system | 0 | 2007 | |
| 7,729,981 On-line higher education financing system | 0 | 2007 | |
| 7,433,840 System and method for dynamic, multivariable comparison of financial products | 1 | 2007 | |
| 7,603,283 Method and system for managing risk | 3 | 2007 | |
| 7,467,109 System and method for determining eligibility and enrolling members in various programs | 5 | 2007 | |
| 7,805,368 Debit purchasing of stored value card for use by and/or delivery to others | 3 | 2007 | |
| 8,185,940 System and method for providing discriminated content to network users | 1 | 2007 | |
| 7,818,253 Debit purchasing of stored value card for use by and/or delivery to others | 3 | 2007 | |
| 8,020,754 System and method for funding a collective account by use of an electronic tag | 3 | 2007 | |
| 7,916,925 System and method for generating magnetic ink character recognition (MICR) testing documents | 1 | 2007 | |
| 8,417,601 Variable rate payment card | 0 | 2007 | |
| 7,471,818 Lockbox imaging system | 22 | 2007 | |
| 8,118,216 Method and system for discovering significant subsets in collection of documents | 0 | 2007 | |
| 8,033,451 System and method for funding a collective account by use of an electronic tag | 0 | 2007 | |
| 7,809,643 Debit purchasing of stored value card for use by and/or delivery to others | 3 | 2007 | |
| 7,680,735 Trade receivable processing method and apparatus | 13 | 2007 | |
| 7,949,574 Personalized interactive network architecture | 0 | 2007 | |
| 7,766,244 System and method for processing transactions using a multi-account transactions device | 14 | 2007 | |
| 7,707,089 Method and system for automating fraud authorization strategies | 4 | 2008 | |
| 7,743,979 Method and system for credit card reimbursements for health care transactions | 14 | 2008 | |
| 7,660,765 System and method for processing microtransactions | 6 | 2008 | |
| 7,890,422 Multiple account advanced payment card and method of routing card transactions | 9 | 2008 | |
| 8,245,909 Method and system for implementing a card product with multiple customized relationships | 1 | 2008 | |
| 8,112,355 Method and system for buyer centric dispute resolution in electronic payment system | 0 | 2008 | |
| 8,391,584 Method and system for duplicate check detection | 0 | 2008 | |
| 7,668,363 Lockbox imaging system | 14 | 2008 | |
| D602522 Transaction device | 29 | 2008 | |
| 7,962,391 System and method for determining elegibility and enrolling members in various programs | 0 | 2008 | |
| 8,200,574 Financing information processing system and method | 0 | 2009 | |
| 7,926,711 System and method for granting promotional rewards to both customers and non-customers | 3 | 2009 | |
| 8,065,231 Trade receivable processing method and apparatus | 0 | 2009 | |
| 8,408,455 System and method for granting promotional rewards to both customers and non-customers | 0 | 2009 | |
| 7,925,583 Method and system for dynamically adjusting discount rates for a card transaction | 1 | 2009 | |
| 8,160,960 System and method for rapid updating of credit information | 1 | 2009 | |
| 8,386,381 Method and system for detecting, monitoring and addressing data compromises | 0 | 2009 | |
| 8,027,914 System and method for providing instant-decision, financial network-based payment cards | 0 | 2010 | |
| 8,095,459 Method and system for providing flexible financing | 1 | 2010 | |
| 8,045,784 Lockbox imaging system | 4 | 2010 | |
| 8,170,936 Method and system for emulating a private label over an open network | 0 | 2010 | |
| 8,032,438 Method and system for automating fraud authorization strategies | 0 | 2010 | |
| 7,904,388 Method and system for processing recurring payments | 0 | 2010 | |
| 8,015,096 Network-based sub-allocation systems and methods for swaps | 0 | 2010 | |
| 8,160,942 Billing workflow system for crediting charges to entities creating derivatives exposure | 0 | 2010 | |
| 8,005,756 Debit purchasing of stored value card for use by and/or delivery to others | 0 | 2010 | |
| 8,145,549 System and method for offering risk-based interest rates in a credit instutment | 2 | 2010 | |
| 8,380,597 International banking system and method | 0 | 2010 | |
| 8,255,307 System and method for measuring and utilizing pooling analytics | 0 | 2011 | |
| 8,121,385 System and method for generating magnetic ink character recognition (MICR) testing documents | 0 | 2011 | |
| 8,326,694 Personalized interactive network architecture | 0 | 2011 | |
| 8,352,370 System and method for universal instant credit | 0 | 2011 | |
| 8,244,625 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms | 0 | 2011 | |
| 8,170,952 System and method for providing instant-decision, financial network-based payment cards | 0 | 2011 | |
| 8,285,625 Synthetic funds having structured notes | 0 | 2011 | |
| 8,429,072 System and method for processing microtransactions | 0 | 2011 | |
| 8,429,069 System and method for processing microtransactions | 0 | 2011 | |
| 8,266,054 System and method for implementing a consolidated application process | 0 | 2012 | |
| 8,396,798 Method and system for facilitating network transaction processing | 0 | 2012 | |
| D678653 Drive-up financial transaction machine | 0 | 2012 | |
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| 7,702,580 System and method for mortgage loan pricing, sale and funding | 3 | 2002 | |
| 7,593,889 System and method for processing data pertaining to financial assets | 6 | 2002 | |
| 8,046,298 Systems and methods for facilitating the flow of capital through the housing finance industry | 0 | 2003 | |
| 7,747,519 System and method for verifying loan data at delivery | 1 | 2003 | |
| 7,340,424 System and method for facilitating sale of a loan to a secondary market purchaser | 19 | 2003 | |
| 8,423,450 System and method for processing data pertaining to financial assets | 0 | 2003 | |
| 7,461,020 System and method for creating and tracking agreements for selling loans to a secondary market purchaser | 12 | 2003 | |
| 7,885,889 System and method for processing data pertaining to financial assets | 2 | 2004 | |
| 7,756,778 System and method for tracking and facilitating analysis of variance and recourse transactions | 1 | 2004 | |
| 7,742,981 Mortgage loan commitment system and method | 2 | 2004 | |
| 7,822,680 System and method for managing data pertaining to a plurality of financial assets for multifamily and housing developments | 0 | 2004 | |
| 7,657,475 Property investment rating system and method | 4 | 2004 | |
| 7,756,779 System and method for determining compliance with a delegated underwriting and servicing agreement | 0 | 2005 | |
| 7,801,809 System and method for management of delegated real estate project reviews | 0 | 2005 | |
| 7,987,124 Method of and system for evaluating an appraisal value associated with a loan | 1 | 2005 | |
| 7,925,579 System and method for processing a loan | 1 | 2005 | |
| 7,653,592 System and method for processing a loan | 21 | 2005 | |
| 7,593,893 Computerized systems and methods for facilitating the flow of capital through the housing finance industry | 4 | 2005 | |
| 7,765,151 Computerized systems and methods for facilitating the flow of capital through the housing finance industry | 1 | 2006 | |
| 7,747,526 System and method for transferring mortgage loan servicing rights | 1 | 2006 | |
| 7,860,787 System and method for modifying attribute data pertaining to financial assets in a data processing system | 0 | 2008 | |
| 8,065,211 System and method for creating and tracking agreements for selling loans to a secondary market purchaser | 0 | 2008 | |
| 7,813,990 Property investment rating system and method | 0 | 2010 | |
| 8,032,450 Loan commitment system and method | 0 | 2010 | |
| 8,438,108 System and method for transferring mortgage loan servicing rights | 0 | 2010 | |
| 8,024,265 System and method for verifying loan data at delivery | 0 | 2010 | |
| 8,244,628 Computerized systems and methods for facilitating the flow of capital through the housing finance industry | 0 | 2010 | |
| 7,877,320 System and method for tracking and facilitating analysis of variance and recourse transactions | 0 | 2010 | |
| 7,979,346 System and method for pricing loans in the secondary mortgage market | 0 | 2010 | |
| 8,060,440 System and method for modifying attribute data pertaining to financial assets in a data processing system | 0 | 2010 | |
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| 7,996,873 Remote management system for at least one audiovisual information reproduction device | 1 | 2000 | |
| 7,992,178 Downloading file reception process | 1 | 2000 | |
| 8,074,253 Audiovisual reproduction system | 0 | 2000 | |
| 8,037,412 Pay-per-play audiovisual system with touch screen interface | 0 | 2002 | |
| 7,574,727 Intelligent digital audiovisual playback system | 24 | 2002 | |
| 8,189,819 Sound control circuit for a digital audiovisual reproduction system | 0 | 2004 | |
| 8,103,589 Digital downloading jukebox system with central and local music servers | 2 | 2005 | |
| 8,151,304 Digital downloading jukebox system with user-tailored music management, communications, and other tools | 1 | 2005 | |
| 8,332,895 Digital downloading jukebox system with user-tailored music management, communications, and other tools | 0 | 2006 | |
| 8,184,508 Intelligent digital audiovisual reproduction system | 0 | 2007 | |
| 8,428,273 Wireless digital transmission system for loudspeakers | 0 | 2007 | |
| 8,032,879 System for remote loading of objects or files in order to update software | 1 | 2007 | |
| 8,028,318 Remote control unit for activating and deactivating means for payment and for displaying payment status | 0 | 2007 | |
| 8,225,369 Home digital audiovisual information recording and playback system | 0 | 2007 | |
| 8,214,874 Method for the distribution of audio-visual information and a system for the distribution of audio-visual information | 2008 | ||
| 7,996,438 Device and process for remote management of a network of audiovisual information reproduction systems | 0 | 2008 | |
| 8,127,324 Audiovisual reproduction system | 0 | 2008 | |
| 8,332,887 System and/or methods for distributing advertisements from a central advertisement network to a peripheral device via a local advertisement server | 0 | 2009 | |
| 7,987,282 Audiovisual distribution system for playing an audiovisual piece among a plurality of audiovisual devices connected to a central server through a network | 0 | 2010 | |
| 8,275,668 Process for ordering a selection in advance, digital system and jukebox for embodiment of the process | 0 | 2010 | |
| 8,145,547 Method of communications for an intelligent digital audiovisual playback system | 0 | 2010 | |
| 8,275,807 Device and process for remote management of a network of audiovisual information reproduction systems | 0 | 2011 | |
| 8,249,959 Communications techniques for an intelligent digital audiovisual reproduction system | 0 | 2012 | |
| 8,438,085 Communications techniques for an intelligent digital audiovisual reproduction system | 0 | 2012 | |
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|
|||
| 8,290,824 Identifying incentives for a qualified buyer | 0 | 2001 | |
| 7,693,748 Method and system for configuring a set of information including a price and volume schedule for a product | 29 | 2003 | |
| 7,899,707 DAS predictive modeling and reporting function | 17 | 2003 | |
| 7,689,463 Multiple supplier system and method for transacting business | 19 | 2003 | |
| 7,593,871 Multiple price curves and attributes | 22 | 2005 | |
| 7,689,469 E-commerce volume pricing | 22 | 2006 | |
| 7,747,473 Demand aggregation system | 15 | 2006 | |
| 7,815,114 Dynamic discount card tied to price curves and group discounts | 13 | 2008 | |
| 8,140,405 Grouping orders across multiple forums | 11 | 2009 | |
| 8,219,460 Method and computer medium for facilitating a buyer-initiated feature within a business transaction | 7 | 2010 | |
| 8,140,402 Social pricing | 11 | 2010 | |
| 8,196,811 Multiple criteria buying and selling model | 9 | 2010 | |
| 8,306,870 Order aggregation and merchant ranking | 0 | 2011 | |
| 8,311,896 Multiple criteria buying and selling model | 0 | 2011 | |
| 8,285,600 Multiple criteria buying and selling model | 0 | 2011 | |
| 8,341,035 Deal matching system | 0 | 2011 | |
| 8,271,332 DAS predictive modeling and reporting function | 1 | 2011 | |
| 8,249,942 Methods for discounting goods and services | 3 | 2012 | |
| 8,285,598 Promoting offers through social network influencers | 1 | 2012 | |
| 8,438,075 Method and computer medium for facilitating a buyer-initiated feature within a business transaction | 0 | 2012 | |
| 8,401,918 Promoting offers through social network influencers | 0 | 2012 | |
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| 7,280,979 Methods and apparatus for intelligent, purpose-based selection of goods and services in telephonic and electronic commerce | 17 | 2000 | |
| 7,729,945 Systems and methods that use geographic data to intelligently select goods and services to offer in telephonic and electronic commerce | 10 | 2000 | |
| 7,739,162 System, method, and business method for setting micropayment transaction to a pre-paid instrument | 3 | 2001 | |
| 7,283,974 Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce | 17 | 2002 | |
| 7,437,313 Methods, computer-readable media, and apparatus for offering users a plurality of scenarios under which to conduct at least one primary transaction | 7 | 2002 | |
| 7,792,702 Methods and system for providing offers in real time while preserving confidential information | 4 | 2004 | |
| 7,386,485 Method and system for providing offers in real time to prospective customers | 14 | 2004 | |
| 7,178,720 Methods, computer-readable media, and computer program product for intelligent selection of items encoded onto portable machine-playable entertainment media | 7 | 2004 | |
| 7,364,068 Methods and apparatus for intelligent selection of goods and services offered to conferees | 11 | 2004 | |
| 8,315,909 Methods and apparatus for intelligent selection of goods and services in point-of-sale commerce | 0 | 2004 | |
| 8,306,908 Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce | 0 | 2006 | |
| 7,996,279 Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce | 1 | 2007 | |
| 8,201,727 Methods and apparatus for intelligent selection of goods and services offered to conferees | 0 | 2008 | |
| 7,822,647 Method and system for providing real time offers to a user based on obsolescence of possessed items | 7 | 2008 | |
| 7,853,488 Method, program storage device, and apparatus for offering a user a plurality of scenarios under which to conduct a primary transaction | 4 | 2008 | |
| 8,244,613 System, method, and business method for settling micropayment transactions to a pre-paid instrument | 0 | 2010 | |
| 8,315,915 Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce | 0 | 2011 | |
| 8,290,829 Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce | 0 | 2011 | |
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| 6,945,457 Automated transaction machine | 54 | 1997 | |
| 8,132,714 Automated transaction machine | 0 | 2007 | |
| 8,132,715 Automated transaction machine | 1 | 2007 | |
| 7,837,101 Automated transaction machine | 3 | 2007 | |
| 7,802,718 Automated transaction machine | 3 | 2007 | |
| 7,793,830 Automated transaction machine | 3 | 2007 | |
| 7,699,220 Automated transaction machine | 4 | 2007 | |
| 7,617,973 Automated transaction machine | 3 | 2007 | |
| 7,600,677 Automated transaction machine | 3 | 2007 | |
| 7,597,251 Automated transaction machine | 3 | 2007 | |
| 7,597,248 Automated transaction machine | 3 | 2007 | |
| 7,591,420 Automated transaction machine | 4 | 2007 | |
| 7,575,158 Automated transaction machine | 4 | 2007 | |
| 7,571,850 Automated transaction machine | 5 | 2007 | |
|
|
|||
| 7,844,476 Process for case-based insurance underwriting suitable for use by an automated system | 1 | 2002 | |
| 7,630,910 System for case-based insurance underwriting suitable for use by an automated system | 11 | 2002 | |
| 8,005,693 Process for determining a confidence factor for insurance underwriting suitable for use by an automated system | 1 | 2002 | |
| 7,899,688 Process for optimization of insurance underwriting suitable for use by an automated system | 2 | 2002 | |
| 7,844,477 Process for rule-based insurance underwriting suitable for use by an automated system | 1 | 2002 | |
| 7,818,186 System for determining a confidence factor for insurance underwriting suitable for use by an automated system | 2 | 2002 | |
| 7,813,945 System and process for multivariate adaptive regression splines classification for insurance underwriting suitable for use by an automated system | 2 | 2003 | |
| 7,801,748 System and process for detecting outliers for insurance underwriting suitable for use by an automated system | 7 | 2003 | |
| 7,567,914 System and process for dominance classification for insurance underwriting suitable for use by an automated system | 14 | 2003 | |
| 7,383,239 System and process for a fusion classification for insurance underwriting suitable for use by an automated system | 3 | 2003 | |
| 7,698,159 Systems and methods for performing data collection | 2 | 2004 | |
| 8,214,314 System and process for a fusion classification for insurance underwriting suitable for use by an automated system | 1 | 2008 | |
|
|
|||
| 7,797,210 Construction payment management system and method with graphical user interface features | 1 | 2006 | |
| 7,925,584 Construction payment management system and method with document tracking features | 0 | 2006 | |
| 7,734,546 Construction payment management system and method with hierarchical invoicing and direct payment features | 0 | 2007 | |
| 7,725,384 Construction payment management system and method with one-time registration features | 0 | 2007 | |
| 7,672,888 Construction payment management system and method with automated electronic document generation features | 30 | 2007 | |
| 7,490,064 Construction payment management system and method with budget reconciliation features | 5 | 2007 | |
| 7,983,972 Construction payment management system and method with graphical user interface features | 0 | 2007 | |
| 7,818,250 Construction payment management system and method with automatic workflow management features | 1 | 2007 | |
| 8,306,883 Construction payment management systems and methods with specified billing features | 0 | 2008 | |
| 7,899,739 Construction payment management system and method with real-time draw notification features | 1 | 2009 | |
|
|
|||
| 6,496,936 System and method for authentication of network users | 116 | 2000 | |
| 7,234,156 System and method for authentication of network users | 41 | 2001 | |
| 6,857,073 System and method for authentication of network users | 39 | 2002 | |
| 7,747,559 Systems and processes for automated criteria and attribute generation, searching, auditing and reporting of data | 6 | 2004 | |
| 7,970,698 Application processing and decision systems and processes | 3 | 2004 | |
| 8,239,677 Verification and authentication systems and methods | 0 | 2006 | |
| 8,108,301 Application processing and decision systems and processes | 0 | 2008 | |
|
|
|||
| 6,567,791 Method and apparatus for a verifiable on line rejection of an application for credit | 82 | 1998 | |
| 6,405,181 Method and apparatus for real time on line credit approval | 195 | 1998 | |
| 6,324,524 Method and apparatus for an account level offer of credit and real time balance transfer | 245 | 1998 | |
| 8,010,422 On-line balance transfers | 4 | 2001 | |
| 7,143,063 Method and apparatus for a verifiable on line rejection of an applicant for credit | 36 | 2003 | |
| 7,505,939 Method and apparatus for a verifiable on line rejection of an applicant for credit | 19 | 2006 | |
| 7,756,781 Method and apparatus for a verifiable on line rejection of an applicant for credit | 7 | 2007 | |
|
|
|||
| 7,957,999 Electronic acquisition system and method | 0 | 2002 | |
| 7,778,920 Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account | 1 | 2002 | |
| 7,386,528 System and method for acquisition, assimilation and storage of information | 2 | 2002 | |
| 7,610,261 System and method for acquisition, assimilation and storage of information | 1 | 2007 | |
| 8,090,734 System and method for assessing risk | 0 | 2009 | |
| 7,930,244 Method and apparatus for providing pre-existing customers and prospective customers with an immediately accessible account | 0 | 2010 | |
|
|
|||
| 8,371,502 Shopping center gift card offer fulfillment machine, program product, and associated methods | 0 | 2009 | |
| 8,341,021 System, program product, and method for debit card and checking account autodraw | 0 | 2010 | |
| 8,392,299 Transfer account systems, computer program products, and associated computer-implemented methods | 0 | 2011 | |
| 8,392,330 Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account | 0 | 2011 | |
| 8,386,375 System, method, and program product for foreign currency travel account | 0 | 2012 | |
| 8,355,984 Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products | 0 | 2012 | |
|
|
|||
| 7,752,132 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities | 2 | 2002 | |
| 8,160,957 Methods and systems for opening and funding a financial account online | 0 | 2007 | |
| 7,849,003 Methods and systems for opening and funding a financial account online | 2 | 2007 | |
| 8,060,441 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities | 0 | 2010 | |
| 8,401,966 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities | 0 | 2011 | |
|
|
|||
| 8,036,979 System and method for generating a finance attribute from tradeline data | 1 | 2007 | |
| 7,991,689 Systems and methods for detecting bust out fraud using credit data | 6 | 2008 | |
| 8,364,588 System and method for automated detection of never-pay data sets | 0 | 2010 | |
| 8,001,042 Systems and methods for detecting bust out fraud using credit data | 4 | 2010 | |
| 8,315,943 System and method for generating a finance attribute from tradeline data | 0 | 2011 | |
|
|
|||
| 7,333,953 Method and apparatus for integrated payments processing and decisioning for internet transactions | 19 | 2000 | |
| 7,324,970 Home asset management account | 6 | 2002 | |
| 8,145,567 Transaction ID system and process | 0 | 2005 | |
| 8,204,826 Method and apparatus for integrated payments processing and decisioning for internet transactions | 1 | 2007 | |
| 7,860,792 Home asset management account | 2 | 2008 | |
|
|
|||
| 7,743,002 Method and system for testing of policies to determine cost savings | 0 | 2005 | |
| 8,126,776 Method and systems for personal restaurant assistant | 0 | 2006 | |
| 7,966,213 System and method for automatic review of travel changes and improved suggestions and rules set | 0 | 2006 | |
| 7,937,330 System and method for optimization of group shipments to reduce shipping costs | 0 | 2009 | |
|
|
|||
| 6,775,641 Generalized lensing angular similarity operator | 4 | 2001 | |
| 8,275,577 Kernel-based method for detecting boiler tube leaks | 0 | 2007 | |
| 8,311,774 Robust distance measures for on-line monitoring | 0 | 2007 | |
| 8,239,170 Complex signal decomposition and modeling | 0 | 2008 | |
|
|
|||
| 7,970,722 System, method and computer program product for a collaborative decision platform | 0 | 2009 | |
| 8,160,988 System, method and computer program product for a collaborative decision platform | 0 | 2010 | |
| 8,005,777 System, method and computer program product for a collaborative decision platform | 10 | 2010 | |
|
|
|||
| 7,873,568 Loan management account | 0 | 2004 | |
| 8,266,050 System and method for processing loans | 0 | 2007 | |
| 8,078,526 Principal first loan product | 0 | 2008 | |
|
|
|||
| 7,072,864 Customer activated multi-value (CAM) card | 79 | 2003 | |
| 7,086,586 System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance | 10 | 2004 | |
| 7,051,925 System and method for funding a collective account by use of an electronic tag | 85 | 2004 | |
|
|
|||
| 6,587,841 Computer implemented automated credit application analysis and decision routing system | 64 | 1998 | |
| 7,801,807 Computer implemented automated credit application analysis and decision routing system | 1 | 2003 | |
| 7,814,002 Computer implemented automated credit application analysis and decision routing system | 0 | 2003 | |
|
|
|||
| 7,769,681 Computer system and method for networkd interchange of data and information for members of the real estate financial and related transactional services industry | 7 | 2000 | |
| 8,145,563 Computer system and method for networked interchange of data and information for members of the real estate financial and related transactional services industry | 3 | 2010 | |
| 8,117,120 Computer system and method for networked interchange of data and information for members of the real estate financial and related transactional services industry | 3 | 2010 | |
|
|
|||
| 7,315,841 Mortgage loan and financial services data processing system | 21 | 1999 | |
| 7,340,435 Mortgage loan data processing system and method for a loan broker | 7 | 2003 | |
| 7,386,504 Mortgage loan data collection method and apparatus for a financial planning originator and/or financial institution originator of a mortgage loan | 1 | 2003 | |
|
|
|||
| 7,216,100 Method for obtaining and allocating investment income based on the capitalization of intellectual property | 48 | 2002 | |
| 7,668,770 Method of repeatedly securitizing intellectual property assets and facilitating investments therein | 1 | 2007 | |
| 7,529,684 Method for obtaining and allocating investment income based on the capitalization of intellectual property | 0 | 2007 | |
|
|
|||
| 7,191,149 Process for seeking authorization for present receipt of legal tender and associated system | 11 | 2000 | |
| 7,555,450 Process for seeking authorization for present receipt of legal tender and associated system | 0 | 2007 | |
|
|
|||
| 8,126,805 System and method for revolving credit product offer customization | 0 | 2001 | |
| 8,086,524 Systems and methods for transaction processing and balance transfer processing | 0 | 2007 | |
|
|
|||
| 7,527,195 Method and system for risk management in a transaction | 3 | 2005 | |
| 8,433,648 Method and system for engaging in a transaction between a consumer and a merchant | 0 | 2007 | |
|
|
|||
| 6,968,317 Method and apparatus for new accounts program | 21 | 2000 | |
| 7,778,902 Method and apparatus for a new accounts program | 1 | 2005 | |
|
|
|||
| 7,756,816 System and method for network-based project management | 0 | 2005 | |
| 7,747,463 Debit purchasing of stored value card for use by and/or delivery to others | 9 | 2008 | |
|
|
|||
| 6,615,190 Sponsor funded stored value card | 161 | 2000 | |
| 6,865,547 Customer activated multi-value (CAM) card | 102 | 2000 | |
|
|
|||
| 7,778,395 Telephone/transaction entry device and system for entering transaction data into databases | 3 | 2007 | |
| 8,019,060 Telephone/transaction entry device and system for entering transaction data into databases | 0 | 2007 | |
|
|
|||
| 8,001,040 Computer-implemented method and system for dynamic consumer rating in a transaction | 0 | 2005 | |
| 8,095,445 Method and system for completing a transaction between a customer and a merchant | 0 | 2010 | |
|
|
|||
| 7,356,503 ASP business decision engine | 6 | 2001 | |
| 7,734,522 ASP business decision engine | 1 | 2008 | |
|
|
|||
| 7,032,008 System for on-line financial services using distributed objects | 1 | 2001 | |
| 7,296,065 System for on-line financial services using distributed objects | 0 | 2005 | |
|
|
|||
| 7,302,585 System for providing a trustworthy user interface | 28 | 2000 | |
| 7,904,730 System for providing a trustworthy user interface | 0 | 2007 | |
|
|
|||
| 6,256,661 Method and apparatus for connecting terminals in a remote consulting system | 6 | 1997 | |
| 7,031,997 Method and apparatus for connecting terminals in a remote consulting system | 0 | 2001 | |
|
|
|||
| 7,742,980 Automated loan approval system | 2 | 2002 | |
| 8,326,748 Automated loan approval system | 0 | 2010 | |
|
|
|||
| 6,603,487 System for electronically developing and processing a document | 9 | 1996 | |
| 6,556,979 Method and system for identifying consumer credit revolvers with neural network time series segmentation | 14 | 2000 | |
|
|
|||
| 8,386,378 Automated loan risk assessment system and method | 0 | 2010 | |
| 8,315,941 Automated loan risk assessment system and method | 0 | 2010 | |
|
|
|||
| 8,112,337 Method and system for clearing financial instruments | 0 | 2008 | |
| 8,271,368 Method and system for clearing financial instruments | 2012 | ||
|
|
|||
| 6,988,082 Computerized systems and methods for facilitating the flow of capital through the housing finance industry | 42 | 2002 | |
| 7,809,633 System and method for pricing loans in the secondary mortgage market | 0 | 2003 | |
|
|
|||
| 7,415,471 Methods and systems for automated data collection and analysis for use in association with asset securitization | 11 | 2001 | |
| 7,860,781 Methods and systems for asset/loan management and processing | 1 | 2003 | |
|
|
|||
| 8,050,969 Interactive marketing network and process using electronic certificates | 1 | 2008 | |
| 8,370,200 Interactive marketing network and process using electronic certificates | 0 | 2011 | |
|
|
|||
| 6,985,886 Method and apparatus for a mortgage loan management system | 45 | 2000 | |
| 6,904,412 Method and apparatus for a mortgage loan originator compliance engine | 105 | 2000 | |
|
|
|||
| D569899 Point of sale terminal with advertising panels | 7 | 2005 | |
| D561244 Point of sale terminal with advertising panels | 5 | 2005 | |
|
|
|||
| 7,480,633 Real-time brokerage account application system and method | 2 | 2001 | |
| 7,593,892 Financial institution portal system and method | 6 | 2005 | |
|
|
|||
| 7,702,577 System and method for conversion of initial transaction to final transaction | 5 | 2004 | |
| 7,702,553 System and method for conversion of initial transaction to final transaction | 2 | 2008 | |
|
|
|||
| 7,783,537 Method and apparatus for conditional payment to a seller | 0 | 2000 | |
| 8,001,043 Method, apparatus, and program for customizing credit accounts | 3 | 2000 | |
|
|
|||
| 6,501,569 Image transmission apparatus | 2 | 1996 | |
| 6,819,455 Image transmission apparatus | 0 | 2002 | |
|
|
|||
| 7,505,938 Interactive voice response quick credit system and associated methods | 4 | 2002 | |
|
|
|||
| 7,395,239 System and method for automatically processing loan applications | 8 | 1999 | |
|
|
|||
| 7,379,916 System and method for private secure financial transactions | 16 | 2000 | |
|
|
|||
| 7,523,055 Financial information access system | 2 | 2004 | |
|
|
|||
| 7,163,153 Selectable multi-purpose card | 105 | 2003 | |
|
|
|||
| 7,499,887 System and method for card processing with automated payment of club, merchant, and service provider fees | 7 | 2005 | |
|
|
|||
| 7,203,663 System and method for converting information on paper forms to electronic data | 10 | 2000 | |
|
|
|||
| 7,020,631 Method for mortgage and closed end loan portfolio management | 10 | 2001 | |
|
|
|||
| 6,965,865 System and method for integrated customer management | 9 | 1999 | |
|
|
|||
| 6,088,686 System and method to performing on-line credit reviews and approvals | 417 | 1996 | |
|
|
|||
| 8,271,379 Systems and methods for building a personalized account | 1999 | ||
|
|
|||
| 6,560,771 System and method for reusing a classed method in object oriented programming | 1 | 2000 | |
|
|
|||
| 6,725,220 System and method for integrating paper-based business documents with computer-readable data entered via a computer network | 22 | 2001 | |
|
|
|||
| 7,958,053 Method and system for extending credit with automated repayment | 0 | 2006 | |
|
|
|||
| 7,975,299 Child identity monitor | 1 | 2008 | |
|
|
|||
| 6,898,574 Lender and insurer transaction processing system and method | 42 | 1998 | |
|
|
|||
| 6,208,979 Computer-driven information management system for selectively matching credit applicants with money lenders through a global communications network | 82 | 1999 | |
|
|
|||
| 6,038,544 System and method for determining the performance of a user responding to a call | 126 | 1998 | |
|
|
|||
| 7,818,212 Multiple criteria buying and selling model | 17 | 1999 | |
|
|
|||
| 8,027,888 Online credit card prescreen systems and methods | 0 | 2006 | |
|
|
|||
| 8,423,451 System and method for processing a loan | 0 | 2005 | |
|
|
|||
| 6,298,335 Method of controlling payment of debts | 58 | 1998 | |
|
|
|||
| 6,505,176 Workflow management system for an automated credit application system | 101 | 1998 | |
|
|
|||
| 6,910,020 Apparatus and method for granting access to network-based services based upon existing bank account information | 13 | 1997 | |
|
|
|||
| 7,895,062 System for optimization of insurance underwriting suitable for use by an automated system | 1 | 2002 | |
|
|
|||
| 7,890,393 Method and system for completing a transaction between a customer and a merchant | 6 | 2002 | |
|
|
|||
| 7,139,731 Multi-level fraud check with dynamic feedback for internet business transaction processor | 81 | 1999 | |
|
|
|||
| 6,823,319 System and method for automated process of deal structuring | 97 | 2000 | |
|
|
|||
| 7,885,890 System for authorizing credit use | 1 | 2007 | |
|
|
|||
| 7,412,417 Loan compliance auditing system and method | 5 | 2000 | |
|
|
|||
| 6,311,164 Remote job application method and apparatus | 29 | 1997 | |
|
|
|||
| 7,386,496 System and method for evaluating real estate financing structures | 2 | 2001 | |
|
|
|||
| 7,814,003 Billing workflow system for crediting charges to entities creating derivatives exposure | 0 | 2004 | |
|
|
|||
| 7,818,254 Application apparatus and method | 2 | 1999 | |
|
|
|||
| 7,970,690 System for implementing automated open market auctioning of leads | 1 | 2005 | |
|
|
|||
| 7,310,618 Automated loan evaluation system | 17 | 2001 | |
|
|
|||
| 7,107,241 System and method for processing a secured collateral loan | 38 | 2000 | |
|
|
|||
| 6,385,594 Method and computer network for co-ordinating a loan over the internet | 189 | 1998 | |
|
|
|||
| 6,611,816 Method and computer network for co-ordinating a loan over the Internet | 84 | 2002 | |
|
|
|||
| 8,370,253 Method and apparatus for credit brokering for point-of-sale leasing | 0 | 2001 | |
|
|
|||
| 6,356,874 Computer-based method and system for ordering services | 28 | 1996 | |
|
|
|||
| 8,412,593 Credit card matching | 0 | 2009 | |
|
|
|||
| 8,145,556 Online mortgage approval and settlement system and method therefor | 0 | 2001 | |
|
|
|||
| 7,970,672 Real-time marketing of credit-based goods or services | 0 | 2005 | |
|
|
|||
| 6,484,153 System and method for managing third-party input to a conditional purchase offer (CPO) | 70 | 1997 | |
|
|
|||
| 8,224,723 Account opening system, method and computer program product | 0 | 2002 | |
|
|
|||
| 6,154,729 Method of reporting merchant information to banks | 25 | 1998 | |
|
|
|||
| 7,509,279 Method and system for computing path dependent probabilities of attaining financial goals | 1 | 2006 | |
|
|
|||
| 6,185,543 Method and apparatus for determining loan prepayment scores | 98 | 1998 | |
|
|
|||
| 6,980,969 Methods and apparatus for allowing internet based purchases based on a temporary credit card number | 65 | 2000 | |
|
|
|||
| 6,366,892 Method and system for automatically producing loan documents | 29 | 2000 | |
|
|
|||
| 7,792,717 Waterfall prioritized payment processing | 36 | 2004 | |
|
|
|||
| 7,089,202 Method and system for internet banking and financial services | 81 | 2000 | |
|
|
|||
| 6,988,085 System and method for real-time electronic inquiry, delivery, and reporting of credit information | 27 | 1999 | |
|
|
|||
| 6,738,740 Speech recognition system for interactively gathering and storing verbal information to generate documents | 18 | 2001 | |
|
|
|||
| 6,438,526 System and method for transmitting and processing loan data | 74 | 1999 | |
| 6,236,973 Apparatus and method for providing collateral construction loan insurance coverage | 18 | 2000 | |
| 7,814,233 Computer and microprocessor control units that are inaccessible from the internet | 6 | 2003 | |
| 7,805,756 Microchips with inner firewalls, faraday cages, and/or photovoltaic cells | 6 | 2004 | |
| 7,548,884 Computerized process to, for example, automate the home sale, mortgage loan financing and settlement process, and the home mortgage loan refinancing and settlement processes | 7 | 2004 | |
| 7,926,097 Computer or microchip protected from the internet by internal hardware | 3 | 2005 | |
| 8,225,003 Computers and microchips with a portion protected by an internal hardware firewall | 0 | 2006 | |
| 7,908,650 Computer or microchip protected from the internet by internal hardware | 3 | 2006 | |
| 7,822,681 Financial collaboration networks | 0 | 2006 | |
| 8,095,393 Method and system for automated processing of insurance information | 0 | 2006 | |
| 8,332,924 Microchips with multiple internal hardware-based firewalls and dies | 1 | 2008 | |
| 8,209,373 Computers or microchips with a hardware side protected by a primary internal hardware firewall and an unprotected hardware side connected to a network, and with multiple internal hardware compartments protected by multiple secondary inner hardware firewalls | 1 | 2009 | |
| 8,442,906 Computerized process to, for example, automate the home sale, mortgage loan financing and settlement process, and the home mortgage loan refinancing and settlement processes | 0 | 2009 | |
| 8,433,650 Computerized process to, for example, automate the home sale, mortgage loan financing and settlement process, and the home mortgage loan refinancing and settlement processes | 0 | 2009 | |
| 8,108,303 Method and apparatus for home buyers loan approval validation | 0 | 2009 | |
| 8,291,485 Computers and microchips with a faraday cage, a side protected by an internal hardware firewall and an unprotected side connected to the internet for network operations, and with internal hardware compartments | 0 | 2010 | |
| 8,312,529 Global network computers | 0 | 2011 | |
Maintenance Fees
| Fee | Large entity fee | small entity fee | micro entity fee | due date |
|---|
| 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 |