System and method for real time loan approval

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 5870721
SERIAL NO

08729892

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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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

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Patent Owner(s)

Patent OwnerAddressTotal Patents
DECISIONING.COM, INC.COLUMBIA, SC0

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Norris, Jeffrey A Lexington, SC 13 2070

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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* Cited By Examiner

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
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7086586 System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance 19 2004
7051925 System and method for funding a collective account by use of an electronic tag 111 2004
* 2005/0267,843 System and method for electronic deposit of third-party checks by non-commercial banking customers from remote locations 92 2005
 
VALENTINE COMMUNICATIONS LLC (33)
8590785 Discounts in a mobile device 13 2007
8140405 Grouping orders across multiple forums 32 2009
8219460 Method and computer medium for facilitating a buyer-initiated feature within a business transaction 28 2010
8972287 Multiple criteria buying and selling model 0 2010
8140402 Social pricing 44 2010
8695877 Dynamic discount device 12 2010
8196811 Multiple criteria buying and selling model 28 2010
* 2011/0016,010 MULTIPLE CRITERIA BUYING AND SELLING MODEL 30 2010
8533002 DAS predictive modeling and reporting function 10 2011
8732018 Real-time offers and dynamic price adjustments presented to mobile devices 0 2011
8706564 Methods for dynamic discounting 0 2011
8306870 Order aggregation and merchant ranking 10 2011
8311896 Multiple criteria buying and selling model 18 2011
8285600 Multiple criteria buying and selling model 10 2011
8567672 Location based discounts 10 2011
8341035 Deal matching system 17 2011
8271332 DAS predictive modeling and reporting function 23 2011
8584940 Location based discounts 8 2012
8249942 Methods for discounting goods and services 22 2012
8285598 Promoting offers through social network influencers 33 2012
8438075 Method and computer medium for facilitating a buyer-initiated feature within a business transaction 17 2012
8589247 Presenting mobile offers to members of a social network 12 2012
8401918 Promoting offers through social network influencers 20 2012
8494914 Promoting offers through social network influencers 39 2012
8494915 Method and computer medium for tracking social interactions and targeting offers 11 2012
8620765 Promoting offers through social network influencers 6 2012
8573492 Presenting offers to a mobile device associated with information displayed on a television 7 2012
8616449 Mobile device search mechanism 12 2012
8738462 Systems and methods for searchable time-based offers 0 2012
8775269 Method and system for a hand-held device initiated search, purchase and delivery 0 2013
8635108 Presenting offers to users of wireless devices 6 2013
8626605 Multiple criteria buying and selling model 6 2013
8856015 Presenting offers to users of wireless devices 0 2013
 
NOLAND, CATHLEEN (2)
* 2006/0271,470 Method and system for internet banking and financial services 9 2006
* 2006/0271,465 Method and system for internet banking and financial services 8 2006
 
JUNO HOLDINGS N.V. (1)
7818254 Application apparatus and method 16 1999
 
HOUSEHOLD INTERNATIONAL, INC., A CORP. OF DE (1)
* 2004/0078,323 Quality control for loan processing 40 2003
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (8)
7333953 Method and apparatus for integrated payments processing and decisioning for internet transactions 30 2000
* 7324970 Home asset management account 7 2002
* 2003/0149,656 Home asset management account 12 2002
8571971 Credit application status monitor 27 2002
8145567 Transaction ID system and process 2 2005
8204826 Method and apparatus for integrated payments processing and decisioning for internet transactions 2 2007
7860792 Home asset management account 5 2008
8407145 Transaction ID system and process 0 2012
 
CITIBANK, N.A. (1)
* 6088686 System and method to performing on-line credit reviews and approvals 662 1996
 
Affiliated Flood Group, L.L.C. (1)
* 2005/0075,911 Method for producing, selling, and delivering data required by mortgage lenders and servicers to comply with flood insurance monitoring requirements 45 2003
 
TRANSACTION HOLDINGS LTD, L.L.C. (25)
6945457 Automated transaction machine 91 1997
8600887 Automated transaction machine 1 2007
8600888 Automated transaction machine 0 2007
8600889 Automated transaction machine 0 2007
8600890 Automated transaction machine 0 2007
8583522 Automated transaction machine 0 2007
8571952 Automated transaction machine 0 2007
8560451 Automated transaction machine 0 2007
8554677 Automated transaction machine 0 2007
8132714 Automated transaction machine 1 2007
8132715 Automated transaction machine 2 2007
7837101 Automated transaction machine 4 2007
7802718 Automated transaction machine 4 2007
7793830 Automated transaction machine 4 2007
7699220 Automated transaction machine 5 2007
7617973 Automated transaction machine 4 2007
7600677 Automated transaction machine 4 2007
7597251 Automated transaction machine 8 2007
7597248 Automated transaction machine 4 2007
7591420 Automated transaction machine 5 2007
7575158 Automated transaction machine 5 2007
7571850 Automated transaction machine 9 2007
* 2008/0067,236 Automated transaction machine 22 2007
* 2008/0065,538 Automated transaction machine 22 2007
* 2008/0065,537 Automated transaction machine 22 2007
 
Industry Access Incorporated (4)
7769681 Computer system and method for networkd interchange of data and information for members of the real estate financial and related transactional services industry 58 2000
8145563 Computer system and method for networked interchange of data and information for members of the real estate financial and related transactional services industry 49 2010
8117120 Computer system and method for networked interchange of data and information for members of the real estate financial and related transactional services industry 49 2010
* 2010/0274,710 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
 
JP Morgan Chase Bank (7)
7181427 Automated credit application system 158 1997
7437327 Method and system for buyer centric dispute resolution in electronic payment system 58 2002
7613656 Coupon payment system 3 2004
* 2005/0038,743 Coupon payment system 10 2004
* 2006/0177,118 Method and system for extracting information from documents by document segregation 10 2005
7269567 System and method for integrated customer management 4 2005
7406426 System and method for integrated customer management 8 2006
 
III Holdings l, LLC (1)
8788376 System, method and computer program product for an acquisition partner interface for integrating multiple partner channels into a transaction account issuer platform 0 2005
 
SEARCH AMERICA, INC. (2)
8452611 Method and apparatus for assessing credit for healthcare patients 4 2010
8930216 Method and apparatus for assessing credit for healthcare patients 2 2013
 
GE MORTGAGE HOLDINGS, LLC (1)
* 2001/0044,773 Systems and methods for automatically obtaining loss mitigation loan workout decisions 22 2001
 
IMX MORTGAGE EXCHANGE (1)
* 2006/0190,394 Interactive mortgage and loan information and real-time trading system 23 2005
 
THE WESTERN UNION COMPANY (1)
* 2009/0192,934 Consumer Lending Using A Money Transfer Network Systems And Methods 42 2008
 
Pitney Bowes Inc. (1)
* 2008/0301,184 System and Method for Updating Mailing Lists 2 2007
 
Advance Loan Technologies LLC (2)
* 8660942 Loan management system and methods 0 2012
* 2012/0317,015 Loan Management System and Methods 1 2012
 
Touch Tunes Music Corporation (4)
* 2008/0239,887 Jukebox with associated video server 87 2008
8495109 Downloading file reception process 5 2011
8655922 Device and process for remote management of a network of audiovisual information reproduction systems 0 2012
9015287 Digital downloading jukebox system with user-tailored music management, communications, and other tools 1 2014
 
H&R BLOCK SERVICES, INC. (4)
7032008 System for on-line financial services using distributed objects 1 2001
* 2001/0056,475 System for on-line financial services using distributed objects 1 2001
7296065 System for on-line financial services using distributed objects 0 2005
* 2006/0179,117 SYSTEM FOR ON-LINE FINANCIAL SERVICES USING DISTRIBUTED OBJECTS 1 2005
 
TouchTunes Music Corporation (96)
7996873 Remote management system for at least one audiovisual information reproduction device 45 2000
7992178 Downloading file reception process 27 2000
8074253 Audiovisual reproduction system 124 2000
8037412 Pay-per-play audiovisual system with touch screen interface 41 2002
* 7574727 Intelligent digital audiovisual playback system 85 2002
* 2003/0041,325 Intelligent digital audiovisual reproduction system 4 2002
9646339 Digital downloading jukebox system with central and local music servers 1 2003
* 2005/0060,405 Digital downloading jukebox system with central and local music servers 91 2003
8189819 Sound control circuit for a digital audiovisual reproduction system 5 2004
8661477 System for distributing and selecting audio and video information and method implemented by said system 7 2005
* 2005/0125,833 System for distributing and selecting audio and video information and method implemented by said system 87 2005
8103589 Digital downloading jukebox system with central and local music servers 38 2005
* 2006/0018,208 Digital downloading jukebox system with central and local music servers 122 2005
8151304 Digital downloading jukebox system with user-tailored music management, communications, and other tools 44 2005
* 2006/0062,094 Digital downloading jukebox system with user-tailored music management, communications, and other tools 136 2005
8332895 Digital downloading jukebox system with user-tailored music management, communications, and other tools 45 2006
* 2006/0239,131 Digital downloading jukebox system with user-tailored music management, communications, and other tools 150 2006
8184508 Intelligent digital audiovisual reproduction system 5 2007
* 2007/0121,430 Intelligent digital audiovisual reproduction system 82 2007
8428273 Wireless digital transmission system for loudspeakers 7 2007
* 2007/0160,224 Wireless digital transmission system for loudspeakers 83 2007
8032879 System for remote loading of objects or files in order to update software 35 2007
9171419 Coin operated entertainment system 1 2007
8028318 Remote control unit for activating and deactivating means for payment and for displaying payment status 33 2007
* 2008/0077,962 Remote control unit for intelligent digital audiovisual reproduction systems 81 2007
8225369 Home digital audiovisual information recording and playback system 4 2007
* 2008/0069,545 Home digital audiovisual information recording and playback system 82 2007
8214874 Method for the distribution of audio-visual information and a system for the distribution of audio-visual information 26 2008
* 2008/0195,443 Digital downloading jukebox system with central and local music servers 84 2008
* 2010/0042,505 Digital signage and gaming services to comply with federal and state alcohol and beverage laws and regulations 82 2008
7996438 Device and process for remote management of a network of audiovisual information reproduction systems 4 2008
* 2009/0070,341 Device and process for remote management of a network of audiovisual information reproduction systems 81 2008
8127324 Audiovisual reproduction system 4 2008
* 2009/0037,969 Audiovisual reproduction system 83 2008
8332887 System and/or methods for distributing advertisements from a central advertisement network to a peripheral device via a local advertisement server 4 2009
8726330 Intelligent digital audiovisual playback system 4 2009
* 2009/0282,491 Intelligent digital audiovisual playback system 81 2009
9076155 Jukebox with connection to external social networking services and associated systems and methods 1 2010
7987282 Audiovisual distribution system for playing an audiovisual piece among a plurality of audiovisual devices connected to a central server through a network 4 2010
* 2010/0211,818 Audiovisual distribution system for playing an audiovisual piece among a plurality of audiovisual devices connected to a central server through a network 81 2010
8469820 Communication device and method between an audiovisual information playback system and an electronic game machine 3 2010
* 2010/0279,775 Communication device and method between an audiovisual information playback system and an electronic game machine 2 2010
8843991 Audiovisual reproduction system 0 2010
8275668 Process for ordering a selection in advance, digital system and jukebox for embodiment of the process 3 2010
* 2010/0269,066 Process for ordering a selection in advance, digital system and jukebox for embodiment of the process 56 2010
8145547 Method of communications for an intelligent digital audiovisual playback system 3 2010
* 2010/0299,232 Method of communications for an intelligent digital audiovisual playback system 48 2010
8473416 Jukebox with customizable avatar 4 2010
9521375 Digital jukebox device with improved user interfaces, and associated methods 1 2011
8724436 Audiovisual distribution system for playing an audiovisual piece among a plurality of audiovisual devices connected to a central server through a network 3 2011
8479240 Remote management system for at least one audiovisual information reproduction device 4 2011
8275807 Device and process for remote management of a network of audiovisual information reproduction systems 0 2011
8677424 Remote control unit for intelligent digital audiovisual reproduction systems 0 2011
8621350 Pay-per-play audiovisual system with touch screen interface 1 2011
8683541 Audiovisual reproduction system 5 2011
8584175 Digital downloading jukebox system with user-tailored music management, communications, and other tools 10 2011
9100676 Audiovisual reproduction system 0 2012
8249959 Communications techniques for an intelligent digital audiovisual reproduction system 0 2012
9769566 Sound control circuit for a digital audiovisual reproduction system 0 2012
8593925 Intelligent digital audiovisual reproduction system 0 2012
8522303 Method for the distribution of audio-visual information and a system for the distribution of audio-visual information 0 2012
8438085 Communications techniques for an intelligent digital audiovisual reproduction system 0 2012
9129328 Process for ordering a selection in advance, digital system and jukebox for embodiment of the process 0 2012
9324064 Digital jukebox device with karaoke and/or photo booth features, and associated methods 0 2012
8739206 Systems and/or methods for distributing advertisements from a central advertisement network to a peripheral device via a local advertisement server 0 2012
8719873 Digital downloading jukebox system with user-tailored music management, communications, and other tools 4 2012
9313574 Wireless digital transmission system for loudspeakers 0 2012
9292166 Digital jukebox device with improved karaoke-related user interfaces, and associated methods 1 2013
8781926 Communications techniques for an intelligent digital audiovisual reproduction system 0 2013
9451203 Downloading file reception process 0 2013
8931020 Remote management system for at least one audiovisual information reproduction device 0 2013
8840479 Communication device and method between an audiovisual information playback system and an electronic game machine 0 2013
8863161 Method for the distribution of audio-visual information and a system for the distribution of audio-visual information 0 2013
9165322 Digital downloading jukebox system with user-tailored music management, communications, and other tools 1 2013
8904449 Remote control unit for activating and deactivating means for payment and for displaying payment status 0 2013
9041784 Digital jukebox device with karaoke and/or photo booth features, and associated methods 0 2013
8751611 Digital downloading jukebox system with user-tailored music management, communications, and other tools 6 2013
9152633 Device and process for remote management of a network of audiovisual information reproduction systems 0 2014
9148681 Audiovisual reproduction system 0 2014
8918485 Digital downloading jukebox system with user-tailored music management, communications, and other tools 1 2014
8930504 Digital downloading jukebox system with user-tailored music management, communications, and other tools 0 2014
9545578 Jukebox entertainment system having multiple choice games relating to music 0 2014
9197914 Method for the distribution of audio-visual information and a system for the distribution of audio-visual information 0 2014
9149727 Communication device and method between an audiovisual information playback system and an electronic game machine 0 2014
9608583 Process for adjusting the sound volume of a digital sound recording 0 2014
9015286 Digital downloading jukebox system with user-tailored music management, communications, and other tools 1 2014
9288529 Remote management system for at least one audiovisual information reproduction device 0 2014
9202209 Digital downloading jukebox system with user-tailored music management, communications, and other tools 1 2015
9164661 Digital downloading jukebox system with user-tailored music management, communications, and other tools 1 2015
9536257 Device and process for remote management of a network of audiovisual information reproduction systems 0 2015
9292999 Communication device and method between an audiovisual information playback system and an electronic game machine 0 2015
9430797 Digital downloading jukebox system with user-tailored music management, communications, and other tools 0 2015
9513774 Digital downloading jukebox system with user-tailored music management, communications, and other tools 1 2015
9436356 Digital downloading jukebox system with user-tailored music management, communications, and other tools 1 2015
9591340 Method for the distribution of audio-visual information and a system for the distribution of audio-visual information 0 2015
9539515 Communication device and method between an audiovisual information playback system and an electronic game machine 0 2016
 
PRICELINE.COM LLC (1)
* 6484153 System and method for managing third-party input to a conditional purchase offer (CPO) 124 1997
 
Kixia, Inc. (1)
* 2008/0133,402 SOCIOFINANCIAL SYSTEMS AND METHODS 28 2007
 
BLACK KNIGHT IP HOLDING COMPANY, LLC (2)
8572388 Electronic document management system 11 2007
* 2008/0034,213 ELECTRONIC DOCUMENT MANAGEMENT SYSTEM 28 2007
 
IMX, Inc. (4)
7742980 Automated loan approval system 6 2002
* 2010/0023,446 Interactive Mortgage and Loan Information and Real-Time Trading System 0 2009
* 2010/0023,440 Interactive Mortgage and Loan Information and Real-Time Trading System 10 2009
8326748 Automated loan approval system 2 2010
 
SMART SIGNAL CORPORATION (1)
* 2008/0183,425 ROBUST DISTANCE MEASURES FOR ON-LINE MONITORING 10 2007
 
TUXIS TECHNOLOGIES, LLC (1)
8315915 Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce 4 2011
 
WHITE RABBIT GAME STUDIO (2)
9330529 Game terminal configured for interaction with jukebox device systems including same, and/or associated methods 1 2007
* 2008/0171,594 COIN OPERATED GAME TERMINAL 82 2007
 
DIEBOLD, INCORPORATED (1)
* 2003/0179,290 Transaction system 13 2003
 
American International Group, Inc. (2)
* 2009/0043,614 PROCESSES AND SYSTEMS FOR DIRECT MARKETING INSURANCE PRODUCTS WITH VOICE RESPONSE UNIT TO CLOSE SALE THEREOF 1 2007
* 2011/0055,061 Method and system for retaining customers with interrupted payment streams 0 2009
 
TC LOAN SERVICE, LLC (1)
* 2006/0129,478 Automated Short Term Loans 6 2005
 
XIGN (1)
8554673 Methods and systems for discounts management 0 2004
 
JPMORGAN CHASE & CO. (1)
8489497 Online interactive and partner-enhanced credit card 3 2006
 
CITICORP CREDIT SERVICES, INC. (USA) (2)
8271379 Systems and methods for building a personalized account 2 1999
8452704 Method and system for on-line payments 2 2001
 
LoadPoint, Inc (1)
8924247 Ranking system using instant post-transaction surveying of transaction judges 0 2006
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (5)
* 6603487 System for electronically developing and processing a document 13 1996
6556979 Method and system for identifying consumer credit revolvers with neural network time series segmentation 17 2000
7970722 System, method and computer program product for a collaborative decision platform 5 2009
8160988 System, method and computer program product for a collaborative decision platform 1 2010
8005777 System, method and computer program product for a collaborative decision platform 19 2010
 
U.S. BANK NATIONAL ASSOCIATION (1)
7792717 Waterfall prioritized payment processing 76 2004
 
eLynx, Ltd. (1)
* 2005/0210,273 Secure electronic message system 15 2004
 
KEYCORP LIMITED (4)
* 2006/0259,440 Method and system for electronically signing a document 22 2005
8112337 Method and system for clearing financial instruments 0 2008
* 2010/0063,927 METHOD AND SYSTEM FOR CLEARING FINANCIAL INSTRUMENTS 5 2008
8271368 Method and system for clearing financial instruments 0 2012
 
GE INTELLIGENT PLATFORMS, INC. (2)
9256224 Method of sequential kernel regression modeling for forecasting and prognostics 1 2011
9250625 System of sequential kernel regression modeling for forecasting and prognostics 1 2011
 
VICAM LIMITED PARTNERSHIP (1)
* 2006/0147,894 Jacketed vessel for holding semen for sex biasing mammals through artificial insemination and systems and methods for enhancing the probability of sex biasing using the same 29 2005
 
FIRST AMERICAN FINANCIAL CORPORATION (7)
* 8458082 Automated loan risk assessment system and method 0 2002
* 2003/0093,366 Automated loan risk assessment system and method 123 2002
8527401 Product, system and method for certification of closing and mortgage loan fulfillment 2 2005
* 2006/0136,330 Product, system and method for certification of closing and mortgage loan fulfillment 27 2005
* 8386378 Automated loan risk assessment system and method 3 2010
* 2011/0106,693 Automated Loan Risk Assessment System and Method 3 2010
* 2013/0275,293 Automated Loan Risk Assessment System and Method 0 2013
 
FUJITSU LIMITED (1)
* 6910020 Apparatus and method for granting access to network-based services based upon existing bank account information 19 1997
 
J.P. MORGAN CHASE & CO. (4)
7831508 System and method for implementing a consolidated application process 2 2000
8612341 Computerized funding of a second financial account by a first financial card 2 2004
* 2004/0193,539 Mutual fund card method and system 55 2004
8700529 Mutual fund card method and system 0 2006
 
FIRST AMERICAN CMSI (6)
6587841 Computer implemented automated credit application analysis and decision routing system 163 1998
7801807 Computer implemented automated credit application analysis and decision routing system 24 2003
* 2004/0078,320 Computer implemented automated credit application analysis and decision routing system 10 2003
* 2004/0138,992 Computer implemented automated credit application analysis and decision routing system 12 2003
7814002 Computer implemented automated credit application analysis and decision routing system 12 2003
* 2004/0138,994 Computer implemented automated credit application analysis and decision routing system 27 2003
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (1)
* 8620797 Systems and methods for streamlined purchasing 0 2007
 
WEST CORPORATION (22)
7280979 Methods and apparatus for intelligent, purpose-based selection of goods and services in telephonic and electronic commerce 30 2000
7729945 Systems and methods that use geographic data to intelligently select goods and services to offer in telephonic and electronic commerce 52 2000
7739162 System, method, and business method for setting micropayment transaction to a pre-paid instrument 21 2001
* 2002/0055,906 Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce 161 2001
7283974 Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce 68 2002
7437313 Methods, computer-readable media, and apparatus for offering users a plurality of scenarios under which to conduct at least one primary transaction 12 2002
8712857 Methods and apparatus for intelligent selection of goods and services in mobile commerce 5 2003
7792702 Methods and system for providing offers in real time while preserving confidential information 12 2004
7386485 Method and system for providing offers in real time to prospective customers 52 2004
7178720 Methods, computer-readable media, and computer program product for intelligent selection of items encoded onto portable machine-playable entertainment media 42 2004
7364068 Methods and apparatus for intelligent selection of goods and services offered to conferees 34 2004
8315909 Methods and apparatus for intelligent selection of goods and services in point-of-sale commerce 10 2004
8306908 Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce 19 2006
8769567 Methods, media, and apparatus for intelligent selection of items encoded onto portable machine-readable entertainment media 0 2007
8201727 Methods and apparatus for intelligent selection of goods and services offered to conferees 0 2008
7822647 Method and system for providing real time offers to a user based on obsolescence of possessed items 18 2008
7853488 Method, program storage device, and apparatus for offering a user a plurality of scenarios under which to conduct a primary transaction 8 2008
8244613 System, method, and business method for settling micropayment transactions to a pre-paid instrument 0 2010
8290829 Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce 10 2011
8655746 Methods and system for providing real time offers to a user based on obsolescence of possessed items 1 2011
8793165 Method, program storage device, and apparatus for offering a user a plurality of scenarios under which to conduct a primary transaction 1 2011
8800861 Methods and apparatus for intelligent selection of goods and services offered to conferees 0 2012
 
ARGUS INFORMATION AND ADVISORY SERVICES, LLC (4)
* 8126805 System and method for revolving credit product offer customization 16 2001
* 2005/0102,221 System and method for revolving credit product offer customization 11 2003
8086524 Systems and methods for transaction processing and balance transfer processing 16 2007
* 2012/0254,019 SYSTEM AND METHOD FOR REVOLVING CREDIT PRODUCT OFFER CUSTOMIZATION 0 2012
 
CUFER ASSET LTD. L.L.C. (1)
* 6356874 Computer-based method and system for ordering services 35 1996
 
U.S. BANCORP LICENSING, INC. (2)
7702577 System and method for conversion of initial transaction to final transaction 24 2004
7702553 System and method for conversion of initial transaction to final transaction 20 2008
 
ALIBABA GROUP HOLDING LIMITED (1)
* 2011/0166,987 Evaluating Loan Access Using Online Business Transaction Data 1 2009
 
CIT LENDING SERVICES CORPORATION (1)
* 2003/0009,418 Systems and methods for electronically verifying and processing information 138 2001
 
MASTERCARD MOBILE TRANSACTIONS SOLUTIONS, INC. (3)
9697512 Facilitating a secure transaction over a direct secure transaction portal 0 2011
9811820 Data consolidation expert system for facilitating user control over information use 0 2011
* 2012/0101,833 TRANSACTIONAL SERVICES 24 2011
 
KRAFT FOODS GROUP BRANDS LLC (1)
* 2008/0029,475 Plastic coffee container with pinch grip 11 2006
 
TEALDI, DANIEL A. (1)
8706592 Online mortgage approval and settlement system and method therefor 1 2012
 
HSBC FINANCE CORPORATION (2)
7885890 System for authorizing credit use 1 2007
* 2007/0164,102 SYSTEM FOR AUTHORIZING CREDIT USE 5 2007
 
Authernative, Inc. (1)
7379916 System and method for private secure financial transactions 28 2000
 
VANTEQ, INC. (1)
* 7089202 Method and system for internet banking and financial services 141 2000
 
BLOCK FINANCIAL LLC (2)
7523055 Financial information access system 8 2004
* 2004/0158,524 Financial information access system 35 2004
 
CUROMAX CORPORATION (1)
* 2002/0116,328 Automotive finance portal 4 2002
 
HITACHI-OMRON TERMINAL SOLUTIONS, CORP. (4)
* 6256661 Method and apparatus for connecting terminals in a remote consulting system 11 1997
7031997 Method and apparatus for connecting terminals in a remote consulting system 0 2001
* 2001/0032,242 Method and apparatus for connecting terminals in a remote consulting system 1 2001
* 2002/0186,671 Unmanned contract processing system 1 2002
 
GENWORTH HOLDINGS, INC. (1)
* 2003/0182,159 Process for summarizing information for insurance underwriting suitable for use by an automated system 50 2002
 
COMENITY LLC (1)
* 7505938 Interactive voice response quick credit system and associated methods 15 2002
 
Equifax, Inc. (15)
6496936 System and method for authentication of network users 223 2000
7234156 System and method for authentication of network users 116 2001
6857073 System and method for authentication of network users 137 2002
7747559 Systems and processes for automated criteria and attribute generation, searching, auditing and reporting of data 60 2004
* 2005/0086,579 Systems and processes for automated criteria and attribute generation, searching, auditing and reporting of data 53 2004
7970698 Application processing and decision systems and processes 27 2004
* 2007/0022,027 Application processing and decision systems and processes 17 2004
8239677 Verification and authentication systems and methods 17 2006
* 2008/0086,759 Verification and authentication systems and methods 107 2006
8700597 Systems and methods for managing statistical expressions 1 2008
* 2009/0044,096 SYSTEMS AND METHODS FOR MANAGING STATISTICAL EXPRESSIONS 5 2008
8108301 Application processing and decision systems and processes 9 2008
* 2009/0112,753 APPLICATION PROCESSING AND DECISION SYSTEMS AND PROCESSES 17 2008
* 2009/0048,999 APPLICATION PROCESSING AND DECISION SYSTEMS AND PROCESSES 16 2008
8793777 Verification and authentication systems and methods 5 2012
 
NEXTCARD, LLC, A TEXAS LIMITED LIABILITY COMPANY (9)
* 6567791 Method and apparatus for a verifiable on line rejection of an application for credit 211 1998
6405181 Method and apparatus for real time on line credit approval 368 1998
6324524 Method and apparatus for an account level offer of credit and real time balance transfer 473 1998
8010422 On-line balance transfers 34 2001
7143063 Method and apparatus for a verifiable on line rejection of an applicant for credit 145 2003
* 2004/0039,687 Method and apparatus for a verifiable on line rejection of an applicant for credit 12 2003
7505939 Method and apparatus for a verifiable on line rejection of an applicant for credit 92 2006
* 2007/0027,785 Method and apparatus for a verifiable on line rejection of an applicant for credit 33 2006
7756781 Method and apparatus for a verifiable on line rejection of an applicant for credit 8 2007
 
Alternative Financial Solutions, LLC (3)
* 7191149 Process for seeking authorization for present receipt of legal tender and associated system 16 2000
* 7555450 Process for seeking authorization for present receipt of legal tender and associated system 0 2007
* 2007/0156,577 Process for seeking authorization for present receipt of legal tender and associated System 3 2007
 
Point Pay International, Inc. (2)
D569899 Point of sale terminal with advertising panels 8 2005
D561244 Point of sale terminal with advertising panels 6 2005
 
JP MORGAN CHASE (3)
7814003 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2004
* 2005/0027,649 Event typer 91 2004
* 2006/0095,374 System and method for supply chain financing 59 2005
 
AMEDESA, LTD (2)
8799200 Method and system for creating a predictive model for targeting webpage to a surfer 20 2009
8762313 Method and system for creating a predictive model for targeting web-page to a surfer 32 2011
 
Live Person, Inc. (1)
9336487 Method and system for creating a predictive model for targeting webpage to a surfer 11 2014
 
RISKMETRICS GROUP, INC. (2)
7509279 Method and system for computing path dependent probabilities of attaining financial goals 3 2006
* 2006/0190,372 METHOD AND SYSTEM FOR COMPUTING PATH DEPENDENT PROBABILITIES OF ATTAINING FINANCIAL GOALS 17 2006
 
Fannie Mae (49)
7702580 System and method for mortgage loan pricing, sale and funding 5 2002
7593889 System and method for processing data pertaining to financial assets 28 2002
8046298 Systems and methods for facilitating the flow of capital through the housing finance industry 0 2003
7747519 System and method for verifying loan data at delivery 1 2003
7340424 System and method for facilitating sale of a loan to a secondary market purchaser 31 2003
* 2004/0215,553 System and method for facilitating sale of a loan to a secondary market purchaser 17 2003
* 2004/0215,554 System and method for verifying loan data at delivery 76 2003
8423450 System and method for processing data pertaining to financial assets 1 2003
7461020 System and method for creating and tracking agreements for selling loans to a secondary market purchaser 17 2003
* 2004/0225,584 System and method for defining loan products 20 2003
* 2004/0225,596 System and method for facilitating delivery of a loan to a secondary mortgage market purchaser 87 2003
* 2004/0225,597 System and method for processing data pertaining to financial assets 30 2003
* 2004/0220,874 System and method for defining loan products 17 2003
* 2004/0220,873 System and method for defining loan products 15 2003
* 2004/0215,555 System and method for creating and tracking agreements for selling loans to a secondary market purchaser 15 2003
8666879 Method and system for pricing forward commitments for mortgage loans and for buying committed loans 1 2003
7885889 System and method for processing data pertaining to financial assets 2 2004
7756778 System and method for tracking and facilitating analysis of variance and recourse transactions 2 2004
7742981 Mortgage loan commitment system and method 3 2004
* 2005/0102,229 Internet-enabled interface for a loan commitment system 27 2004
7822680 System and method for managing data pertaining to a plurality of financial assets for multifamily and housing developments 5 2004
7657475 Property investment rating system and method 8 2004
7756779 System and method for determining compliance with a delegated underwriting and servicing agreement 0 2005
7801809 System and method for management of delegated real estate project reviews 0 2005
7987124 Method of and system for evaluating an appraisal value associated with a loan 6 2005
8489498 System and method for processing a loan 10 2005
7925579 System and method for processing a loan 15 2005
7653592 System and method for processing a loan 86 2005
7593893 Computerized systems and methods for facilitating the flow of capital through the housing finance industry 14 2005
7765151 Computerized systems and methods for facilitating the flow of capital through the housing finance industry 3 2006
7747526 System and method for transferring mortgage loan servicing rights 9 2006
8515861 System and method for facilitating sale of a loan to a secondary market purchaser 1 2006
* 2007/0016,520 System and method for facilitating sale of a loan to a secondary market purchaser 30 2006
7860787 System and method for modifying attribute data pertaining to financial assets in a data processing system 6 2008
* 2008/0120,211 SYSTEM AND METHOD FOR MODIFYING ATTRIBUTE DATA PERTAINING TO FINANCIAL ASSETS IN A DATA PROCESSING SYSTEM 15 2008
8065211 System and method for creating and tracking agreements for selling loans to a secondary market purchaser 1 2008
* 2009/0076,973 SYSTEM AND METHOD FOR CREATING AND TRACKING AGREEMENTS FOR SELLING LOANS TO A SECONDARY MARKET PURCHASER 13 2008
7813990 Property investment rating system and method 1 2010
8032450 Loan commitment system and method 0 2010
* 2010/0312,684 LOAN COMMITMENT SYSTEM AND METHOD 51 2010
8438108 System and method for transferring mortgage loan servicing rights 0 2010
8024265 System and method for verifying loan data at delivery 1 2010
* 2010/0268,641 SYSTEM AND METHOD FOR VERIFYING LOAN DATA AT DELIVERY 1 2010
8244628 Computerized systems and methods for facilitating the flow of capital through the housing finance industry 6 2010
7877320 System and method for tracking and facilitating analysis of variance and recourse transactions 7 2010
7979346 System and method for pricing loans in the secondary mortgage market 0 2010
* 2011/0112,955 SYSTEM AND METHOD FOR PRICING LOANS IN THE SECONDARY MORTGAGE MARKET 4 2010
8060440 System and method for modifying attribute data pertaining to financial assets in a data processing system 0 2010
8671052 Method and system for pricing forward commitments for mortgage loans and for buying committed loans 0 2012
 
LIVEPERSON, INC. (26)
8868448 Systems and methods to facilitate selling of products and services 20 2001
* 2004/0153,368 Systems and methods to facilitate selling of products and services 48 2001
* 2006/0015,390 System and method for identifying and approaching browsers most likely to transact business based upon real-time data mining 51 2004
8738732 System and method for performing follow up based on user interactions 19 2006
* 2007/0061,421 System and method for performing follow up based on user interactions 32 2006
9432468 System and method for design and dynamic generation of a web page 6 2006
8805844 Expert search 18 2010
* 2011/0055,207 Expert Search 53 2010
8918465 Authentication of service requests initiated from a social networking site 17 2010
9767212 System and method for dynamically enabling customized web content and applications 0 2011
8943002 Analytics driven engagement 17 2012
8805941 Occasionally-connected computing interface 18 2012
9672196 Methods and systems for presenting specialized content using campaign metrics 0 2013
9350598 Authentication of service requests using a communications initiation feature 7 2013
9563336 Dynamic user interface customization 0 2013
9525745 System and method for performing follow up based on user interactions 1 2014
9104970 Method and system for creating a predictive model for targeting web-page to a surfer 17 2014
9576292 Systems and methods to facilitate selling of products and services 0 2014
9569537 System and method for facilitating interactions 0 2014
9331969 Occasionally-connected computing interface 7 2014
9582579 System and method for facilitating communication 1 2014
9558276 Systems and methods for facilitating participation 0 2014
9563707 System and methods for searching and communication 0 2015
9396295 Method and system for creating a predictive model for targeting web-page to a surfer 6 2015
9590930 System and method for performing follow up based on user interactions 0 2015
9819561 System and methods for facilitating object assignments 0 2016
 
PAYPAL, INC. (15)
8571972 Computer-implemented method, system and apparatus for the dynamic verification of a consumer engaged in a transaction with a merchant and authorization of the transaction 1 2004
* 2007/0288,375 Computer-Implemented Method, System and Apparatus for the Dynamic Verification of a Consumer Engaged in a Transaction with a Merchant and Authorization of the Transaction 12 2004
8001040 Computer-implemented method and system for dynamic consumer rating in a transaction 6 2005
7527195 Method and system for risk management in a transaction 17 2005
* 2006/0226,216 Method and system for risk management in a transaction 24 2005
* 2006/0149,665 Systems and methods for facilitating lending between two or more parties 77 2005
8554669 Method and system for offering a credit product by a credit issuer to a consumer at a point-of sale 0 2007
* 2008/0167,956 Method and system for offering a credit product by a credit issuer to a consumer at a point-of sale 12 2007
8433648 Method and system for engaging in a transaction between a consumer and a merchant 5 2007
* 2008/0203,153 Method and system for engaging in a transaction between a consumer and a merchant 13 2007
8719164 Method and system for engaging in a transaction between a business entity and a merchant 0 2008
8095445 Method and system for completing a transaction between a customer and a merchant 3 2010
* 2011/0125,619 METHOD AND SYSTEM FOR COMPLETING A TRANSACTION BETWEEN A CUSTOMER AND A MERCHANT 4 2010
9412132 Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale 0 2014
9684931 Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale 0 2016
 
INVENTOR HOLDINGS, LLC (1)
7783537 Method and apparatus for conditional payment to a seller 5 2000
 
XARAZ PROPERTIES LLC (2)
* 6501569 Image transmission apparatus 2 1996
6819455 Image transmission apparatus 0 2002
 
JPMORGAN CHASE BANK, N.A. (290)
6505168 System and method for gathering and standardizing customer purchase information for target marketing 177 1999
7809636 System and method for multicurrency and multibank processing over a non-secure network 1 1999
7945492 System and method for integrating trading operations including the generation, processing and tracking of and trade documents 9 2000
7805365 Automated statement presentation, adjustment and payment system and method therefor 24 2000
7212996 System and method for dynamic, multivariable comparison of financial products 21 2000
7062462 On-line higher education financing system 8 2000
7370004 Personalized interactive network architecture 76 2000
7068832 Lockbox imaging system 49 2000
7574400 Financing information processing system and method 4 2000
6867789 System and method for generating graphical user interfaces 34 2000
8015084 System and method for linked account having sweep feature 9 2000
7542921 Network-based financial planning system and method 28 2000
* 7321864 System and method for providing funding approval associated with a project based on a document collection 123 2000
7584125 Electronic check presentment system and method having an item sequence capability 2 2000
* 2003/0208,421 Electronic check presentment system and method having an item sequence capability 99 2000
6631849 Selectable multi-purpose card 502 2000
7295999 System and method for determining eligibility and enrolling members in various programs 56 2000
* 2001/0032,178 Network based loan approval and document origination system 56 2001
7822656 International banking system and method 10 2001
7599879 Syndication loan administration and processing system 33 2001
* 2001/0054,022 Syndication loan administration and processing system 56 2001
8805739 System and method for electronic bill pay and presentment 0 2001
* 2004/0158,522 System and method for electronic bill pay and presentment 26 2001
7472088 System and method for offering a financial product 62 2001
* 2002/0147,669 System and method for offering a financial product 45 2001
7580890 System and method for supervising account management operations 5 2001
* 2002/0046,049 System and method for supervising account management operations 6 2001
8285641 System and method for selectable funding of electronic transactions 1 2001
7433829 System and method for managing global risk 11 2001
7512566 System and method for using a stored value account having subaccount feature 13 2001
7987501 System and method for single session sign-on 16 2001
* 2003/0105,981 System and method for single session sign-on 126 2001
7546272 Trade receivable processing method and apparatus 29 2002
7895098 System and method for measuring and utilizing pooling analytics 43 2002
* 2002/0178,098 System and method for measuring and utilizing pooling analytics 64 2002
7689482 System and method for payer (buyer) defined electronic invoice exchange 45 2002
7519560 System and method for electronic authorization of batch checks 44 2002
* 2003/0220,858 Method and system for collaborative vendor reconciliation 64 2002
* 2003/0220,863 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms 31 2002
* 2003/0220,843 Method and system for buyer centric dispute resolution in electronic payment system 11 2002
7401048 System and method for trade settlement tracking and relative ranking 79 2002
* 2003/0046,219 System and method for trade settlement tracking and relative ranking 1 2002
7536354 Methods for electronic multiparty accounts receivable and accounts payable systems 114 2002
7587363 System and method for optimized funding of electronic transactions 136 2002
7809641 System and method for funding a collective account 14 2002
* 2003/0028,483 System and method for funding a collective account 67 2002
7860789 Multiple account advanced payment card and method of routing card transactions 18 2002
7165049 Sponsor funded stored value card 107 2002
* 2003/0055,782 Sponsor funded stored value card 43 2002
8301493 System and method for providing incentives to consumers to share information 1 2002
7801816 System and method for currency selectable stored value instrument 2 2003
7627521 System and method for processing mircotransactions 9 2003
7428531 Customer information management system and method 9 2003
8239304 Method and system for providing pre-approved targeted products 1 2003
7769650 Network-based sub-allocation systems and methods for swaps 35 2003
* 2004/0107,157 Network-based sub-allocation systems and methods for swaps 71 2003
* 2003/0172,017 High performance multi-dimensional risk engines for enterprise wide market risk management 57 2003
8751391 System and process for performing purchase transactions using tokens 32 2003
7899753 Systems and methods for time variable financial authentication 12 2003
7676425 Method and system for providing flexible financing 24 2003
* 2004/0148,566 Method to evaluate project viability 11 2003
8306907 System and method for offering risk-based interest rates in a credit instrument 2 2003
7606756 Synthetic funds having structured notes 0 2003
* 2004/0024,671 Synthetic funds having structured notes 33 2003
* 2004/0148,241 Method of evaluating a portfolio of leased items 7 2003
7953663 System and method for financial instrument pre-qualification and offering 9 2003
7809595 System and method for managing risks associated with outside service providers 11 2003
8239323 Method and system for distribution of unactivated bank account cards 2 2003
* 2005/0065,877 Method and system for distribution of unactivated bank account cards 53 2003
7130828 Debit purchasing of stored value card for use by and/or delivery to others 55 2003
* 2004/0064,412 Debit purchasing of stored value card for use by and/or delivery to others 34 2003
* 2005/0060,252 Graphical software tool for modeling financial products 36 2003
* 2010/0287,092 Method and system for real estate loan administration 6 2004
8630947 Method and system for providing electronic bill payment and presentment 15 2004
* 2005/0273,347 Method and system for processing payment items at a central processor 19 2004
8429006 System and method for offer targeting 0 2004
7467106 System and method for offer management 15 2004
8290862 Method and system for expediting payment delivery 3 2004
7668777 System and method for providing instant-decision, financial network-based payment cards 0 2004
* 2005/0097,036 System and method for providing instant-decision, financial network-based payment cards 15 2004
7392222 System and method for providing promotional pricing 124 2004
7707111 Customer activated multi-value (CAM) card 35 2004
7624068 Method and system for dynamically adjusting discount rates for a card transaction 26 2004
8533030 In-bound telemarketing system for processing customer offers 0 2004
8175908 Systems and methods for constructing and utilizing a merchant database derived from customer purchase transactions data 23 2004
7349866 System and method for funding a collective account by use of an electronic tag 44 2004
* 2005/0182,713 Methods and systems for the auto reconsideration of credit card applications 19 2004
* 2006/0089,891 System and method for generating expense information 5 2004
7363273 Debit purchasing of stored value card for use by and/or delivery to others 25 2004
7174314 Debit purchasing of stored value card for use by and/or delivery to others 26 2004
7174315 Debit purchasing of stored value card for use by and/or deliveries to others 68 2004
7174316 Debit purchasing of stored value card for use by and/or delivery to others 27 2004
7174317 Debit purchasing of stored value card for use by and/or delivery to others 60 2004
7171388 Debit purchasing of stored value card for use by and/or delivery to others 25 2004
7480631 System and method for detecting and processing fraud and credit abuse 48 2004
7191952 Selectable multi-purpose card 122 2004
* 2011/0161,958 Method and system for managing business calculations using multi-dimensional data 0 2005
7890343 System and method for generating risk management curves 1 2005
7983468 Method and system for extracting information from documents by document segregation 7 2005
8630898 Stored value card provided with merchandise as rebate 0 2005
* 2006/0149,664 Marketing system and method 11 2005
7380707 Method and system for credit card reimbursements for health care transactions 108 2005
7974895 System and method for developing finance rate information 0 2005
7756896 System and method for multi-dimensional risk analysis 38 2005
* 2010/0121,743 System and method for generating dividend information 0 2005
7844518 Method and apparatus for managing credit limits 1 2005
7774248 Method and apparatus for managing risk 0 2005
7685064 Method and apparatus for evaluating a financial transaction 1 2005
* 2006/0026,019 System and method for measuring communication-system infrastructure usage 7 2005
7360686 Method and system for discovering significant subsets in collection of documents 2 2005
* 2006/0255,124 Method and system for discovering significant subsets in collection of documents 5 2005
7660763 Customer activated multi-value (CAM) card 20 2005
7263507 Customer activated multi-value (CAM) card 59 2005
8121944 Method and system for facilitating network transaction processing 88 2005
* 2006/0212,391 Method and system for facilitating network transaction processing 59 2005
7676409 Method and system for emulating a private label over an open network 54 2005
7822684 Personalized bank teller machine 11 2005
* 2006/0038,004 Personalized bank teller machine 73 2005
7401731 Method and system for implementing a card product with multiple customized relationships 105 2005
7831509 On-line higher education financing system 0 2005
7925578 Systems and methods for performing scoring optimization 8 2005
7373304 System and method for integrated customer management 8 2005
7756816 System and method for network-based project management 4 2005
7610231 Synthetic funds having structured notes 0 2005
* 2006/0059,074 Synthetic funds having structured notes 24 2005
* 2006/0106,703 System and method for aggregate portfolio client support 83 2005
8290863 Method and system for expediting payment delivery 3 2005
* 2007/0055,625 Method and system for expediting payment delivery 8 2005
7801799 Customer activated multi-value (CAM) card 5 2005
* 2007/0027,799 Universal line of credit having multiple financial product features 22 2005
8719085 System and method for administering a brokerage rebate card program 2 2006
* 2006/0111,980 System and method for administering a brokerage rebate card program 4 2006
7941355 Universal payment protection 5 2006
7962396 System and method for managing risk 1 2006
7809642 Debit purchasing of stored value card for use by and/or delivery to others 5 2006
7591416 Selectable multi-purpose card 63 2006
* 2006/0131,396 Selectable Multi-Purpose Card 31 2006
7676429 Credit instrument and system providing multiple services including access to credit services and access to a service provider club 0 2006
* 2006/0167,782 Credit instrument and system providing multiple services including access to credit services and access to a service provider club 0 2006
7311244 System and method for funding a collective account by use of an electronic tag 29 2006
7306141 System and method for funding a collective account by use of an electronic tag 29 2006
7784682 System and method for granting promotional rewards to both customers and non-customers 5 2006
7822682 System and method for enhancing supply chain transactions 49 2006
* 2007/0192,216 System and method for enhancing supply chain transactions 12 2006
7260549 Method and system for managing risk 31 2006
* 2006/0277,083 Method and system for managing risk 2 2006
8781905 System and method for transponder-enabled account transactions 0 2006
7707192 Confidence index for assets 6 2006
7505918 Method and system for managing risks 5 2006
7317823 Lockbox imaging system 80 2006
* 2006/0259,364 System and method for granting promotional rewards to credit account holders 158 2006
7360693 System and method for a card benefit program providing benefits to program members based on program performance 42 2006
7753259 System and method for granting promotional rewards to both customers and non-customers 46 2006
7660764 Service charge adjustment platform 1 2006
7801814 System and method for selectable funding of electronic transactions 18 2006
* 2007/0061,254 Systems and methods for opening, funding, and managing financial accounts 9 2006
7734545 Method and system for processing recurring payments 45 2006
8301529 Method and system for implementing effective governance of transactions between trading partners 1 2006
7357331 Selectable multi-purpose card 57 2006
* 2007/0063,025 SELECTABLE MULTI-PURPOSE CARD 29 2006
8468071 Processing transactions using a register portion to track transactions 1 2006
* 2007/0094,154 PROCESSING TRANSACTIONS USING A REGISTER PORTION TO TRACK TRANSACTIONS 18 2006
7366698 Trade receivable processing method and apparatus 7 2006
7966496 System and method for single sign on process for websites with multiple applications and services 15 2006
8296160 System and method for integrated customer management 2 2006
7835985 On-line higher education financing system 1 2007
7814007 On-line higher education financing system 0 2007
7729981 On-line higher education financing system 0 2007
* 2007/0124,240 On-Line Higher Education Financing System 4 2007
* 2007/0162,387 System and method for optimized funding of electronic transactions 48 2007
7433840 System and method for dynamic, multivariable comparison of financial products 1 2007
7603283 Method and system for managing risk 6 2007
* 2007/0244,816 SYSTEMS AND METHODS FOR OPENING, FUNDING, AND/OR USING A FINANCIAL ACCOUNT, SUCH AS A CHECKING ACCOUNT 6 2007
7467109 System and method for determining eligibility and enrolling members in various programs 11 2007
7805368 Debit purchasing of stored value card for use by and/or delivery to others 4 2007
* 2007/0226,141 Debit Purchasing Of Stored Value Card For Use By And/Or Delivery To Others 11 2007
* 2007/0228,144 PROCESSING TRANSACTIONS USING A REGISTER PORTION TO TRACK TRANSACTIONS 12 2007
8185940 System and method for providing discriminated content to network users 2 2007
7818253 Debit purchasing of stored value card for use by and/or delivery to others 5 2007
8020754 System and method for funding a collective account by use of an electronic tag 6 2007
* 2008/0177,659 SYSTEMS AND METHODS FOR PROVIDING FINANCIAL PROCESSING IN CONJUNCTION WITH INSTANT MESSAGING AND OTHER COMMUNICATIONS 89 2007
8768836 System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image 4 2007
* 2008/0027,861 SYSTEM AND METHOD FOR AUTOMATIC FINANCIAL PROJECT MANAGEMENT 13 2007
7916925 System and method for generating magnetic ink character recognition (MICR) testing documents 1 2007
8849716 System and method for preventing identity theft or misuse by restricting access 2 2007
8800857 System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag 1 2007
* 2008/0040,249 METHOD FOR TRANSACTION PROCESSING IN A CAPTURE AND DEPOSIT 16 2007
8417601 Variable rate payment card 0 2007
7471818 Lockbox imaging system 60 2007
8118216 Method and system for discovering significant subsets in collection of documents 11 2007
8033451 System and method for funding a collective account by use of an electronic tag 1 2007
* 2008/0061,136 METHDO AND SYSTEM FOR DISCOVERING SIGNIFICANT SUBSETS IN COLLECTION OF DOCUMENTS 1 2007
7809643 Debit purchasing of stored value card for use by and/or delivery to others 4 2007
7680735 Trade receivable processing method and apparatus 40 2007
* 2008/0059,373 Debit Purchasing of Stored Value Card For Use By And/Or Delivery To Others 7 2007
7949574 Personalized interactive network architecture 12 2007
* 2008/0077,462 Personalized interactive network architecture 25 2007
7766244 System and method for processing transactions using a multi-account transactions device 49 2007
8676642 System and method for granting promotional rewards to financial account holders 3 2008
7707089 Method and system for automating fraud authorization strategies 17 2008
8478637 Index for assessing discount potential 0 2008
7747463 Debit purchasing of stored value card for use by and/or delivery to others 30 2008
8788281 System and method for processing qualified healthcare account related financial transactions 1 2008
7743979 Method and system for credit card reimbursements for health care transactions 43 2008
7660765 System and method for processing microtransactions 6 2008
8762270 System and method for providing supplemental payment or transaction information 0 2008
8533111 System and method for providing promotional pricing 0 2008
7890422 Multiple account advanced payment card and method of routing card transactions 30 2008
8245909 Method and system for implementing a card product with multiple customized relationships 2 2008
* 2008/0277,465 METHOD AND SYSTEM FOR IMPLEMENTING A CARD PRODUCT WITH MULTIPLE CUSTOMIZED RELATIONSHIPS 70 2008
8112355 Method and system for buyer centric dispute resolution in electronic payment system 1 2008
8391584 Method and system for duplicate check detection 0 2008
7668363 Lockbox imaging system 48 2008
* 2009/0060,314 LOCKBOX IMAGING SYSTEM 7 2008
8590008 System and method for single sign on process for websites with multiple applications and services 15 2008
D602522 Transaction device 59 2008
7962391 System and method for determining elegibility and enrolling members in various programs 2 2008
8622308 System and method for processing transactions using a multi-account transactions device 0 2009
9240089 Systems and methods for time variable financial authentication 1 2009
* 2009/0271,853 SYSTEMS AND METHODS FOR TIME VARIABLE FINANCIAL AUTHENTICATION 24 2009
* 2009/0261,161 SELECTABLE MULTI-PURPOSE CARD 40 2009
8200574 Financing information processing system and method 0 2009
* 2010/0017,319 Financing Information Processing System and Method 0 2009
7926711 System and method for granting promotional rewards to both customers and non-customers 10 2009
* 2009/0313,106 System and Method for Granting Promotional Rewards to Both Customers and Non-Customers 28 2009
8459562 System and method for processing transactions using a multi-account transactions device 3 2009
8065231 Trade receivable processing method and apparatus 1 2009
8408455 System and method for granting promotional rewards to both customers and non-customers 1 2009
7925583 Method and system for dynamically adjusting discount rates for a card transaction 7 2009
* 2010/0070,359 METHOD AND SYSTEM FOR DYNAMICALLY ADJUSTING DISCOUNT RATES FOR A CARD TRANSACTION 6 2009
8160960 System and method for rapid updating of credit information 38 2009
8386381 Method and system for detecting, monitoring and addressing data compromises 14 2009
8027914 System and method for providing instant-decision, financial network-based payment cards 0 2010
8095459 Method and system for providing flexible financing 1 2010
8645265 System and method for card processing with automated payment of club, merchant, and service provider fees 0 2010
* 2010/0121,762 System and Method for Card Processing with Automated Payment of Club, Merchant, and Service Provider Fees 3 2010
8045784 Lockbox imaging system 41 2010
8170936 Method and system for emulating a private label over an open network 1 2010
8447641 System and method for automatically enrolling buyers into a network 1 2010
8032438 Method and system for automating fraud authorization strategies 14 2010
7904388 Method and system for processing recurring payments 0 2010
8015096 Network-based sub-allocation systems and methods for swaps 0 2010
8160942 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2010
8005756 Debit purchasing of stored value card for use by and/or delivery to others 3 2010
* 2010/0332,388 Personalized Bank Teller Machine 14 2010
8145549 System and method for offering risk-based interest rates in a credit instutment 2 2010
8380597 International banking system and method 0 2010
* 2011/0004,554 INTERNATIONAL BANKING SYSTEM AND METHOD 0 2010
8533031 Method and system for retaining customer loyalty 0 2010
8589288 System and method for electronic remittance of funds 1 2010
8782076 System and method for gathering and standardizing customer purchase information for target marketing 1 2010
* 2011/0035,407 System and Method for Gathering and Standardizing Customer Purchase Information for Target Marketing 0 2010
8554631 Method and system for determining point of sale authorization 6 2010
* 2011/0087,527 Personalized Bank Teller Machine 0 2010
8517258 System and method for granting promotional rewards to both customers and non-customers 30 2011
8255307 System and method for measuring and utilizing pooling analytics 0 2011
8121385 System and method for generating magnetic ink character recognition (MICR) testing documents 0 2011
8326694 Personalized interactive network architecture 4 2011
8543503 Systems and methods for automated invoice entry 0 2011
8543504 Systems and methods for automated invoice entry 0 2011
8352370 System and method for universal instant credit 17 2011
8244625 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms 0 2011
8707410 System and method for single session sign-on 0 2011
8170952 System and method for providing instant-decision, financial network-based payment cards 0 2011
8285625 Synthetic funds having structured notes 1 2011
8429072 System and method for processing microtransactions 0 2011
8429069 System and method for processing microtransactions 0 2011
8266054 System and method for implementing a consolidated application process 1 2012
8396798 Method and system for facilitating network transaction processing 2 2012
8463681 Method and system for distribution of unactivated bank account cards 0 2012
8469265 Method and system for implementing a card product with multiple customized relationships 0 2012
8484129 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms 1 2012
D678653 Drive-up financial transaction machine 14 2012
8577770 System and method for measuring and utilizing pooling analytics 0 2012
8762260 Systems and methods for performing scoring optimization 0 2012
9734484 System and method for implementing a consolidated application process 0 2012
8639017 Method and system for duplicate check detection 2 2012
9020850 Method and system for implementing effective governance of transactions between trading partners 0 2012
8924289 International banking system and method 0 2013
D693984 Drive-up financial transaction machine 7 2013
9710851 System and method for generating graphical user interface 0 2013
9092447 Method and system for duplicate detection 0 2013
8533086 Variable rate payment card 0 2013
D690074 Financial transaction machine 6 2013
8719078 Index for assessing discount potential 0 2013
8752759 Method and system for implementing a card product with multiple customized relationships 1 2013
9111278 Method and system for determining point of sale authorization 1 2013
9058626 System and method for financial services device usage 0 2013
8925802 Method and system for implementing a card product with multiple customized relationships 0 2014
9460469 System and method for financial services device usage 0 2015
 
EverBank (1)
* 2004/0230,521 Method and apparatus for worker compensation and task performance reporting in a mortgage loan transaction system 26 2004
 
AMEDESA, INC. (1)
8954539 Method and system for providing targeted content to a surfer 19 2012
 
PACIFIC LIFE INSURANCE COMPANY (26)
7844476 Process for case-based insurance underwriting suitable for use by an automated system 6 2002
7630910 System for case-based insurance underwriting suitable for use by an automated system 15 2002
* 2003/0187,697 Process for case-based insurance underwriting suitable for use by an automated system 54 2002
* 2003/0187,696 System for case-based insurance underwriting suitable for use by an automated system 51 2002
8793146 System for rule-based insurance underwriting suitable for use by an automated system 2 2002
8005693 Process for determining a confidence factor for insurance underwriting suitable for use by an automated system 5 2002
* 2003/0187,698 Process for determining a confidence factor for insurance underwriting suitable for use by an automated system 54 2002
* 2003/0187,699 System for rule-based insurance underwriting suitable for use by an automated system 59 2002
* 7899688 Process for optimization of insurance underwriting suitable for use by an automated system 8 2002
7844477 Process for rule-based insurance underwriting suitable for use by an automated system 6 2002
7818186 System for determining a confidence factor for insurance underwriting suitable for use by an automated system 15 2002
* 2003/0187,700 Process for rule-based insurance underwriting suitable for use by an automated system 59 2002
* 2003/0187,703 System for determining a confidence factor for insurance underwriting suitable for use by an automated system 34 2002
* 2003/0177,032 System for summerizing information for insurance underwriting suitable for use by an automated system 61 2002
7813945 System and process for multivariate adaptive regression splines classification for insurance underwriting suitable for use by an automated system 6 2003
7801748 System and process for detecting outliers for insurance underwriting suitable for use by an automated system 15 2003
7567914 System and process for dominance classification for insurance underwriting suitable for use by an automated system 23 2003
7383239 System and process for a fusion classification for insurance underwriting suitable for use by an automated system 10 2003
* 2004/0236,611 System and process for a neural network classification for insurance underwriting suitable for use by an automated system 41 2003
* 2004/0220,837 System and process for a fusion classification for insurance underwriting suitable for use by an automated system 10 2003
* 2004/0220,838 System and process for detecting outliers for insurance underwriting suitable for use by an automated system 32 2003
* 2004/0220,840 System and process for multivariate adaptive regression splines classification for insurance underwriting suitable for use by an automated system 29 2003
* 2004/0220,839 System and process for dominance classification for insurance underwriting suitable for use by an automated system 33 2003
7698159 Systems and methods for performing data collection 5 2004
* 2005/0182,667 Systems and methods for performing data collection 20 2004
8214314 System and process for a fusion classification for insurance underwriting suitable for use by an automated system 2 2008
 
CYBERFONE SYSTEMS, LLC (4)
* 7778395 Telephone/transaction entry device and system for entering transaction data into databases 3 2007
* 2008/0031,434 Telephone/Transaction Entry Device and System for Entering Transaction Data into Databases 1 2007
* 8019060 Telephone/transaction entry device and system for entering transaction data into databases 0 2007
* 2007/0299,908 Telephone/Transaction Entry Device and System for Entering Transaction Data into Databases 9 2007
 
Weber & Associates, Inc. (2)
* 8660918 Virtual financial aid office 0 2001
* 2003/0093,346 Virtual financial aid office 5 2001
 
TEXTURA CORPORATION (26)
* 2005/0289,051 Construction payment management system and method 46 2005
* 2006/0271,477 Construction payment management system and method with real-time draw notification features 14 2006
* 2006/0271,479 Construction payment management system and method with budget reconciliation features 10 2006
* 2006/0271,478 Construction payment management system and method with hierarchical invoicing and direct payment features 12 2006
7797210 Construction payment management system and method with graphical user interface features 4 2006
* 2006/0271,397 Construction payment management system and method with automatic workflow management features 12 2006
7925584 Construction payment management system and method with document tracking features 4 2006
* 2007/0078,771 Construction payment management system and method with document tracking features 25 2006
7734546 Construction payment management system and method with hierarchical invoicing and direct payment features 3 2007
7725384 Construction payment management system and method with one-time registration features 1 2007
7672888 Construction payment management system and method with automated electronic document generation features 48 2007
* 2008/0046,359 Construction payment management system and method with one-time registration features 4 2007
* 2008/0046,350 Construction payment management system and method with automated electronic document generation features 4 2007
* 2008/0147,468 Construction payment management system and method with automated electronic document generation features 1 2007
7490064 Construction payment management system and method with budget reconciliation features 9 2007
* 2008/0010,199 Construction payment management system and method with budget reconciliation features 7 2007
7983972 Construction payment management system and method with graphical user interface features 2 2007
* 2008/0021,823 Construction payment management system and method with graphical user interface features 4 2007
7818250 Construction payment management system and method with automatic workflow management features 3 2007
* 2008/0027,840 Construction payment management system and method with automatic workflow management features 3 2007
* 2008/0040,264 Construction payment management system and method with actionable notification features 7 2007
9460441 Construction payment management system and method with document exchange features 0 2008
8306883 Construction payment management systems and methods with specified billing features 3 2008
7899739 Construction payment management system and method with real-time draw notification features 6 2009
9355417 Construction payment management system and method with draw notification features 0 2012
9336542 Construction payment management system and method with automatic notification workflow features 0 2012
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (1)
8001043 Method, apparatus, and program for customizing credit accounts 15 2000
 
CONSOLIDATED TRANSACTION PROCESSING LLC (3)
8533047 Internet business transaction processor 6 2013
8712846 Sending targeted product offerings based on personal information 0 2013
8775255 Internet business transaction processor 0 2013
 
LEADPOINT, INC. (7)
7970690 System for implementing automated open market auctioning of leads 23 2005
* 2006/0041,500 System for implementing automated open market auctioning of leads 38 2005
* 2006/0155,642 Ranking system using instant post-transaction surveying of transaction judges 7 2006
8571951 Automated attachment of segmentation data to hot contact leads for facilitating matching of leads to interested lead buyers 8 2006
* 2006/0265,259 Automated attachment of segmentation data to hot contact leads for facilitating matching of leads to interested lead buyers 65 2006
* 2011/0099,081 System for Automated Trading of Informational Items and Having Integrated Ask-and-Post Features 2 2011
8805734 Automated attachment of segmentation data to hot contact leads for facilitating matching of leads to interested lead buyers 0 2013
 
CORELOGIC INFORMATION SOLUTIONS, INC. (1)
* 2008/0222,028 Method and System for Providing Mortgage Data Quality Control Verification 1 2008
 
EFUNDS CORPORATION (10)
7752132 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities 8 2002
* 2002/0120,846 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities 185 2002
* 2003/0065,563 Method and apparatus for atm-based cross-selling of products and services 75 2002
8160957 Methods and systems for opening and funding a financial account online 0 2007
7849003 Methods and systems for opening and funding a financial account online 24 2007
* 2008/0091,530 Methods and systems for providing cross-selling with online banking environments 25 2007
* 2008/0091,593 Methods and systems for opening and funding a financial account online 11 2007
8060441 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities 3 2010
* 2010/0318,460 ELECTRONIC PAYMENT AND AUTHENTICATION SYSTEM WITH DEBIT AND IDENTIFICATION DATA VERIFICATION AND ELECTRONIC CHECK CAPABILITIES 2 2010
8401966 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities 1 2011
 
STANDARD CHARTERED UK HOLDINGS LIMITED (4)
7480633 Real-time brokerage account application system and method 3 2001
* 2002/0156,720 Real-time brokerage account application system and method 21 2001
7593892 Financial institution portal system and method 14 2005
* 2006/0089,894 FINANCIAL INSTITUTION PORTAL SYSTEM AND METHOD 31 2005
 
CHARLES SCHWAB & CO., INC. (2)
6968317 Method and apparatus for new accounts program 25 2000
7778902 Method and apparatus for a new accounts program 1 2005
 
GENERAL ELECTRIC COMPANY (1)
* 2007/0073,612 Method, system, and computer program product for providing credit services 4 2005
 
VOICE TECH SYSTEMS, LLC (1)
* 2004/0199,460 Speech recognition system for interactively gathering and storing verbal information to generate documents 3 2004
 
HARDWARESTREET.COM, INC. (1)
* 7139731 Multi-level fraud check with dynamic feedback for internet business transaction processor 118 1999
 
DealerTrack, Inc. (4)
6208979 Computer-driven information management system for selectively matching credit applicants with money lenders through a global communications network 204 1999
* 2003/0139,990 Method, apparatus and system for control and assessment of risk in commercial transactions 41 2002
* 9378525 Integrated electronic credit application, contracting and securitization system and method 0 2004
* 2006/0277,123 Integrated electronic credit application, contracting and securitization system and method 25 2004
 
METABANK (26)
8818887 Computer-implemented methods, program product, and system for micro-loan product management 0 2008
8788414 Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account 7 2008
8589295 Transfer account systems, computer program products, and associated computer-implemented methods 16 2008
8583515 Transfer account systems, computer program products, and associated computer-implemented methods 10 2008
* 2009/0228,307 Person-To-Person Lending Program Product, System, And Associated Computer-Implemented Methods 49 2009
8738451 System, program product, and method for debit card and checking account autodraw 0 2009
8538879 System, program product, and computer-implemented method for loading a loan on an existing pre-paid card 10 2009
8494960 System, program product, and computer-implemented method for loading a loan on a pre-paid card 10 2009
8403211 System, program product and methods for retail activation and reload associated with partial authorization transactions 35 2009
8371502 Shopping center gift card offer fulfillment machine, program product, and associated methods 18 2009
9213965 Machine, methods, and program product for electronic inventory tracking 1 2009
8744915 System, program product, and method for debit card and checking account autodraw 0 2010
8341021 System, program product, and method for debit card and checking account autodraw 11 2010
8452662 System, program product, and associated methods to autodraw for micro-credit attached to prepaid card 1 2011
8392299 Transfer account systems, computer program products, and associated computer-implemented methods 17 2011
8392330 Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account 19 2011
8386375 System, method, and program product for foreign currency travel account 10 2012
9785922 Machine, methods, and program product for electronic inventory tracking 0 2012
8485441 System and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods 12 2012
8407100 Machine, methods, and program product for electronic order entry 0 2012
8355984 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 10 2012
8666886 System, program product, and method for debit card and checking account autodraw 0 2012
9508067 System, program product and methods for retail activation and reload associated with partial authorization transactions 0 2013
9767451 System and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods 0 2013
9251511 Transfer account systems, computer program products, and associated computer-implemented methods 0 2013
9665855 Machine, methods, and program product for electronic inventory tracking 0 2013
 
LIVECAPITAL, INC. (1)
8370253 Method and apparatus for credit brokering for point-of-sale leasing 0 2001
 
GRINBERG, ODED (1)
* 2007/0295,556 DEVICE SYSTEM AND METHOD OF ADJUSTABLE TELESCOPIC LEGS 1 2006
 
FAIR ISAAC CORPORATION (3)
7356503 ASP business decision engine 19 2001
7734522 ASP business decision engine 13 2008
* 2008/0114,674 ASP Business Decision Engine 0 2008
 
RELIANCE FIRST CAPITAL, LLC (2)
* 2004/0078,318 System and method for facilitating loan provision 13 2003
* 2008/0071,678 SYSTEM AND METHOD FOR FACILITATING LOAN PROVISION 0 2007
 
GENERAL ELECTRIC CAPITAL CORPORATION (2)
* 2003/0229,553 Automated online underwriting 34 2002
* 2006/0047,600 Method and system for borrowing base certificate administration 14 2004
 
Mae, Fannie (3)
6988082 Computerized systems and methods for facilitating the flow of capital through the housing finance industry 53 2002
7809633 System and method for pricing loans in the secondary mortgage market 1 2003
* 2004/0225,594 System and method for pricing loans in the secondary mortgage market 59 2003
 
RELIANCE DATA, L.P. (1)
* 6154729 Method of reporting merchant information to banks 48 1998
 
METAREWARD, INC. (4)
7970672 Real-time marketing of credit-based goods or services 3 2005
8027888 Online credit card prescreen systems and methods 2 2006
* 2008/0059,317 ONLINE CREDIT CARD PRESCREEN SYSTEMS AND METHODS 59 2006
8799148 Systems and methods of ranking a plurality of credit card offers 0 2007
 
NEXTSTUDENT, INC. (1)
* 2005/0240,515 System and method for applying, processing, and underwriting student loans 2 2004
 
BILL ME LATER, INC. (1)
* 2006/0229,974 Method of extending credit to at least one consumer and method of processing a transaction between a consumer and a merchant 13 2005
 
ABOUTYOURMORTGAGE, LLC (2)
8660939 Method for mortgage customer retention 0 2001
* 2001/0044,772 Method for mortgage customer retention 29 2001
 
RPX CORPORATION (2)
6738740 Speech recognition system for interactively gathering and storing verbal information to generate documents 28 2001
* 2008/0040,112 Voice recognition system for interactively gathering information to generate documents 1 2007
 
LUCERNE/WHITE OAK, INC. (1)
* 2001/0032,152 Temporary internet mobile showroom providing E-commerce capability 10 2000
 
EXPERIAN MARKETING SOLUTIONS, LLC (3)
9152727 Systems and methods for processing consumer information for targeted marketing applications 19 2011
9595051 Systems and methods for providing anonymized user profile data 0 2015
9767309 Access control system for implementing access restrictions of regulated database records while identifying and providing indicators of regulated database records matching validation criteria 0 2016
 
F. POSZAT HU, L.L.C. (1)
6988085 System and method for real-time electronic inquiry, delivery, and reporting of credit information 110 1999
 
CATERPILLAR INC. (1)
* 2003/0216,995 Automated financial system and method 13 2003
 
eWinWin, Inc. (8)
7818212 Multiple criteria buying and selling model 48 1999
7693748 Method and system for configuring a set of information including a price and volume schedule for a product 67 2003
7689463 Multiple supplier system and method for transacting business 50 2003
7593871 Multiple price curves and attributes 64 2005
7689469 E-commerce volume pricing 61 2006
7747473 Demand aggregation system 49 2006
7815114 Dynamic discount card tied to price curves and group discounts 40 2008
* 2011/0213,648 e-COMMERCE VOLUME PRICING 32 2011
* Cited By Examiner