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

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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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Patent Owner(s)

Patent OwnerAddressTotal Patents
DECISIONING.COM, INC.COLUMBIA, SC4

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Norris, Jeffrey A Lake Forest, CA 15 1576

Cited Art Landscape

Patent Info (Count) # Cites Year
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (3)
4,646,250 Data entry screen 80 1984
4,730,252 Document composition from parts inventory 66 1985
5,218,539 Forms processor with controlled remote revision 48 1990
 
NCR CORPORATION (3)
4,649,832 Drive-in, self service banking system 56 1986
5,297,202 Apparatus and method for producing a digitized transaction record including an encrypted signature 94 1992
5,604,341 ATM as video conferencing station 55 1995
 
AEGIS TECHNOLOGIES, INC. (1)
5,231,571 Personal financial assistant computer method 199 1990
 
BENEFICIAL FRANCHISE COMPANY, INC. (1)
5,193,057 Electronic income tax refund early payment system with means for creating of a new deposit account for receipt of an electronically transferred refund from the IRS 67 1990
 
Beneficial Management Corporation of America (1)
4,890,228 Electronic income tax refund early payment system 94 1988
 
Communication Intelligence Corporation (1)
5,049,862 Keyless flat panel portable computer--computer aided notebook 206 1989
 
CORELOGIC SOLUTIONS, LLC (1)
5,361,201 Real estate appraisal using predictive modeling 169 1992
 
CORNELL RESEARCH FOUNDATION, INC. (1)
5,559,895 Adaptive method and system for real time verification of dynamic human signatures 85 1991
 
CU DIRECT CORPORATION (1)
5,611,052 Lender direct credit evaluation and loan processing system 400 1993
 
Financial Design Systems, Inc. (1)
4,598,367 Financial quotation system using synthesized speech 147 1983
 
FIRST ADVANTAGE CORPORATION (1)
5,274,547 System for generating and transmitting credit reports 234 1991
 
INTERMEC IP CORP. (1)
5,202,825 Transaction control system including portable data terminal and mobile customer service station 59 1991
 
METROPOLITAN LIFE INSURANCE COMPANY (1)
4,648,037 Method and apparatus for benefit and financial communication 151 1984
 
MITSUBISHI DENKI KABUSHIKI KAISHA (1)
5,101,250 Electrically programmable non-volatile memory device and manufacturing method thereof 65 1990
 
NANJI, ANVAR (1)
5,239,462 Method and apparatus for automatically determining the approval status of a potential borrower 282 1992
 
ONLINE RESOURCES CORPORATION (1)
5,220,501 Method and system for remote delivery of retail banking services 1300 1989
 
Promised Land Technologies, Inc. (1)
5,241,620 Embedding neural networks into spreadsheet applications 60 1991
 
SECURE SOLUTIONS, INC. (1)
4,491,725 Medical insurance verification and processing system 301 1982

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (199)
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6,505,168 System and method for gathering and standardizing customer purchase information for target marketing 118 1999
7,809,636 System and method for multicurrency and multibank processing over a non-secure network 1 1999
7,945,492 System and method for integrating trading operations including the generation, processing and tracking of and trade documents 5 2000
7,805,365 Automated statement presentation, adjustment and payment system and method therefor 20 2000
7,212,996 System and method for dynamic, multivariable comparison of financial products 8 2000
7,062,462 On-line higher education financing system 7 2000
7,370,004 Personalized interactive network architecture 40 2000
7,068,832 Lockbox imaging system 39 2000
7,574,400 Financing information processing system and method 3 2000
6,867,789 System and method for generating graphical user interfaces 21 2000
8,015,084 System and method for linked account having sweep feature 2 2000
7,542,921 Network-based financial planning system and method 12 2000
7,321,864 System and method for providing funding approval associated with a project based on a document collection 78 2000
7,584,125 Electronic check presentment system and method having an item sequence capability 2 2000
6,631,849 Selectable multi-purpose card 349 2000
7,295,999 System and method for determining eligibility and enrolling members in various programs 48 2000
7,822,656 International banking system and method 2 2001
7,599,879 Syndication loan administration and processing system 21 2001
7,472,088 System and method for offering a financial product 34 2001
7,580,890 System and method for supervising account management operations 3 2001
8,285,641 System and method for selectable funding of electronic transactions 1 2001
7,433,829 System and method for managing global risk 7 2001
7,512,566 System and method for using a stored value account having subaccount feature 9 2001
7,987,501 System and method for single session sign-on 1 2001
7,546,272 Trade receivable processing method and apparatus 25 2002
7,895,098 System and method for measuring and utilizing pooling analytics 32 2002
7,689,482 System and method for payer (buyer) defined electronic invoice exchange 22 2002
7,519,560 System and method for electronic authorization of batch checks 26 2002
7,437,327 Method and system for buyer centric dispute resolution in electronic payment system 37 2002
7,401,048 System and method for trade settlement tracking and relative ranking 54 2002
7,536,354 Methods for electronic multiparty accounts receivable and accounts payable systems 86 2002
7,587,363 System and method for optimized funding of electronic transactions 93 2002
7,809,641 System and method for funding a collective account 8 2002
7,860,789 Multiple account advanced payment card and method of routing card transactions 10 2002
7,165,049 Sponsor funded stored value card 87 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 3 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 19 2003
7,899,753 Systems and methods for time variable financial authentication 3 2003
7,676,425 Method and system for providing flexible financing 19 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 4 2003
7,809,595 System and method for managing risks associated with outside service providers 6 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 36 2003
8,630,947 Method and system for providing electronic bill payment and presentment 0 2004
8,429,006 System and method for offer targeting 0 2004
7,467,106 System and method for offer management 2 2004
8,290,862 Method and system for expediting payment delivery 1 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 93 2004
7,613,656 Coupon payment system 2 2004
7,707,111 Customer activated multi-value (CAM) card 28 2004
7,624,068 Method and system for dynamically adjusting discount rates for a card transaction 17 2004
8,533,030 In-bound telemarketing system for processing customer offers 0 2004
8,175,908 Systems and methods for constructing and utilizing a merchant database derived from customer purchase transactions data 8 2004
7,349,866 System and method for funding a collective account by use of an electronic tag 34 2004
7,363,273 Debit purchasing of stored value card for use by and/or delivery to others 17 2004
7,174,314 Debit purchasing of stored value card for use by and/or delivery to others 18 2004
7,174,315 Debit purchasing of stored value card for use by and/or deliveries to others 49 2004
7,174,316 Debit purchasing of stored value card for use by and/or delivery to others 18 2004
7,174,317 Debit purchasing of stored value card for use by and/or delivery to others 34 2004
7,171,388 Debit purchasing of stored value card for use by and/or delivery to others 17 2004
7,480,631 System and method for detecting and processing fraud and credit abuse 9 2004
7,191,952 Selectable multi-purpose card 84 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 2 2005
8,630,898 Stored value card provided with merchandise as rebate 0 2005
7,380,707 Method and system for credit card reimbursements for health care transactions 79 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 31 2005
7,844,518 Method and apparatus for managing credit limits 1 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 17 2005
7,263,507 Customer activated multi-value (CAM) card 38 2005
8,121,944 Method and system for facilitating network transaction processing 3 2005
7,676,409 Method and system for emulating a private label over an open network 35 2005
7,822,684 Personalized bank teller machine 8 2005
7,401,731 Method and system for implementing a card product with multiple customized relationships 67 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 4 2005
7,269,567 System and method for integrated customer management 3 2005
7,610,231 Synthetic funds having structured notes 0 2005
8,290,863 Method and system for expediting payment delivery 1 2005
7,801,799 Customer activated multi-value (CAM) card 3 2005
7,941,355 Universal payment protection 4 2006
7,962,396 System and method for managing risk 1 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 39 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 22 2006
7,306,141 System and method for funding a collective account by use of an electronic tag 22 2006
7,784,682 System and method for granting promotional rewards to both customers and non-customers 3 2006
7,822,682 System and method for enhancing supply chain transactions 44 2006
7,260,549 Method and system for managing risk 27 2006
7,707,192 Confidence index for assets 5 2006
7,505,918 Method and system for managing risks 3 2006
7,317,823 Lockbox imaging system 56 2006
7,360,693 System and method for a card benefit program providing benefits to program members based on program performance 26 2006
7,753,259 System and method for granting promotional rewards to both customers and non-customers 29 2006
7,406,426 System and method for integrated customer management 7 2006
7,660,764 Service charge adjustment platform 0 2006
7,801,814 System and method for selectable funding of electronic transactions 10 2006
7,734,545 Method and system for processing recurring payments 24 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 47 2006
8,468,071 Processing transactions using a register portion to track transactions 0 2006
7,366,698 Trade receivable processing method and apparatus 6 2006
7,966,496 System and method for single sign on process for websites with multiple applications and services 5 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 4 2007
7,467,109 System and method for determining eligibility and enrolling members in various programs 9 2007
7,805,368 Debit purchasing of stored value card for use by and/or delivery to others 4 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 5 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 38 2007
8,118,216 Method and system for discovering significant subsets in collection of documents 1 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 4 2007
7,680,735 Trade receivable processing method and apparatus 22 2007
7,949,574 Personalized interactive network architecture 2 2007
7,766,244 System and method for processing transactions using a multi-account transactions device 25 2007
8,676,642 System and method for granting promotional rewards to financial account holders 0 2008
7,707,089 Method and system for automating fraud authorization strategies 9 2008
8,478,637 Index for assessing discount potential 0 2008
7,743,979 Method and system for credit card reimbursements for health care transactions 24 2008
7,660,765 System and method for processing microtransactions 6 2008
8,533,111 System and method for providing promotional pricing 0 2008
7,890,422 Multiple account advanced payment card and method of routing card transactions 14 2008
8,245,909 Method and system for implementing a card product with multiple customized relationships 2 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 26 2008
8,590,008 System and method for single sign on process for websites with multiple applications and services 0 2008
D602522 Transaction device 34 2008
7,962,391 System and method for determining elegibility and enrolling members in various programs 2 2008
8,622,308 System and method for processing transactions using a multi-account transactions device 0 2009
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 8 2009
8,459,562 System and method for processing transactions using a multi-account transactions device 2 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 5 2009
8,160,960 System and method for rapid updating of credit information 3 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
8,645,265 System and method for card processing with automated payment of club, merchant, and service provider fees 0 2010
8,045,784 Lockbox imaging system 13 2010
8,170,936 Method and system for emulating a private label over an open network 0 2010
8,447,641 System and method for automatically enrolling buyers into a network 0 2010
8,032,438 Method and system for automating fraud authorization strategies 3 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 1 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
8,533,031 Method and system for retaining customer loyalty 0 2010
8,589,288 System and method for electronic remittance of funds 0 2010
8,554,631 Method and system for determining point of sale authorization 1 2010
8,517,258 System and method for granting promotional rewards to both customers and non-customers 0 2011
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
8,543,503 Systems and methods for automated invoice entry 0 2011
8,543,504 Systems and methods for automated invoice entry 0 2011
8,352,370 System and method for universal instant credit 2 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 1 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
8,463,681 Method and system for distribution of unactivated bank account cards 0 2012
8,469,265 Method and system for implementing a card product with multiple customized relationships 0 2012
8,484,129 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms 0 2012
D678653 Drive-up financial transaction machine 5 2012
8,577,770 System and method for measuring and utilizing pooling analytics 0 2012
8,639,017 Method and system for duplicate check detection 0 2012
D693984 Drive-up financial transaction machine 1 2013
8,533,086 Variable rate payment card 0 2013
D690074 Financial transaction machine 2 2013
 
FANNIE MAE (34)
7,702,580 System and method for mortgage loan pricing, sale and funding 5 2002
7,593,889 System and method for processing data pertaining to financial assets 9 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 21 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 15 2003
8,666,879 Method and system for pricing forward commitments for mortgage loans and for buying committed loans 0 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 3 2004
7,822,680 System and method for managing data pertaining to a plurality of financial assets for multifamily and housing developments 1 2004
7,657,475 Property investment rating system and method 7 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 2 2005
8,489,498 System and method for processing a loan 1 2005
7,925,579 System and method for processing a loan 7 2005
7,653,592 System and method for processing a loan 32 2005
7,593,893 Computerized systems and methods for facilitating the flow of capital through the housing finance industry 6 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
8,515,861 System and method for facilitating sale of a loan to a secondary market purchaser 0 2006
7,860,787 System and method for modifying attribute data pertaining to financial assets in a data processing system 3 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 1 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 6 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
8,671,052 Method and system for pricing forward commitments for mortgage loans and for buying committed loans 0 2012
 
TOUCHTUNES MUSIC CORPORATION (34)
7,996,873 Remote management system for at least one audiovisual information reproduction device 1 2000
7,992,178 Downloading file reception process 2 2000
8,074,253 Audiovisual reproduction system 2 2000
8,037,412 Pay-per-play audiovisual system with touch screen interface 2 2002
7,574,727 Intelligent digital audiovisual playback system 37 2002
8,189,819 Sound control circuit for a digital audiovisual reproduction system 0 2004
8,661,477 System for distributing and selecting audio and video information and method implemented by said system 0 2005
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 2 2005
8,332,895 Digital downloading jukebox system with user-tailored music management, communications, and other tools 3 2006
8,184,508 Intelligent digital audiovisual reproduction system 1 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
8,469,820 Communication device and method between an audiovisual information playback system and an electronic game machine 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
8,473,416 Jukebox with customizable avatar 0 2010
8,479,240 Remote management system for at least one audiovisual information reproduction device 0 2011
8,275,807 Device and process for remote management of a network of audiovisual information reproduction systems 0 2011
8,677,424 Remote control unit for intelligent digital audiovisual reproduction systems 0 2011
8,621,350 Pay-per-play audiovisual system with touch screen interface 0 2011
8,683,541 Audiovisual reproduction system 0 2011
8,584,175 Digital downloading jukebox system with user-tailored music management, communications, and other tools 0 2011
8,249,959 Communications techniques for an intelligent digital audiovisual reproduction system 0 2012
8,593,925 Intelligent digital audiovisual reproduction system 0 2012
8,522,303 Method for the distribution of audio-visual information and a system for the distribution of audio-visual information 0 2012
8,438,085 Communications techniques for an intelligent digital audiovisual reproduction system 0 2012
 
EWINWIN, INC. (33)
7,693,748 Method and system for configuring a set of information including a price and volume schedule for a product 54 2003
7,899,707 DAS predictive modeling and reporting function 33 2003
7,689,463 Multiple supplier system and method for transacting business 40 2003
7,593,871 Multiple price curves and attributes 45 2005
7,689,469 E-commerce volume pricing 47 2006
7,747,473 Demand aggregation system 39 2006
8,590,785 Discounts in a mobile device 1 2007
7,815,114 Dynamic discount card tied to price curves and group discounts 29 2008
8,140,405 Grouping orders across multiple forums 25 2009
8,219,460 Method and computer medium for facilitating a buyer-initiated feature within a business transaction 23 2010
8,140,402 Social pricing 27 2010
8,695,877 Dynamic discount device 0 2010
8,196,811 Multiple criteria buying and selling model 23 2010
8,533,002 DAS predictive modeling and reporting function 5 2011
8,306,870 Order aggregation and merchant ranking 5 2011
8,311,896 Multiple criteria buying and selling model 13 2011
8,285,600 Multiple criteria buying and selling model 5 2011
8,567,672 Location based discounts 5 2011
8,341,035 Deal matching system 12 2011
8,271,332 DAS predictive modeling and reporting function 15 2011
8,584,940 Location based discounts 1 2012
8,249,942 Methods for discounting goods and services 17 2012
8,285,598 Promoting offers through social network influencers 16 2012
8,438,075 Method and computer medium for facilitating a buyer-initiated feature within a business transaction 12 2012
8,589,247 Presenting mobile offers to members of a social network 1 2012
8,401,918 Promoting offers through social network influencers 12 2012
8,494,914 Promoting offers through social network influencers 5 2012
8,494,915 Method and computer medium for tracking social interactions and targeting offers 5 2012
8,620,765 Promoting offers through social network influencers 1 2012
8,573,492 Presenting offers to a mobile device associated with information displayed on a television 1 2012
8,616,449 Mobile device search mechanism 1 2012
8,635,108 Presenting offers to users of wireless devices 1 2013
8,626,605 Multiple criteria buying and selling model 1 2013
 
TRANSACTION HOLDINGS LTD, L.L.C. (22)
6,945,457 Automated transaction machine 71 1997
8,600,887 Automated transaction machine 0 2007
8,600,888 Automated transaction machine 0 2007
8,600,889 Automated transaction machine 0 2007
8,600,890 Automated transaction machine 0 2007
8,583,522 Automated transaction machine 0 2007
8,571,952 Automated transaction machine 0 2007
8,560,451 Automated transaction machine 0 2007
8,554,677 Automated transaction machine 0 2007
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 6 2007
 
TUXIS TECHNOLOGIES LLC (19)
7,280,979 Methods and apparatus for intelligent, purpose-based selection of goods and services in telephonic and electronic commerce 20 2000
7,729,945 Systems and methods that use geographic data to intelligently select goods and services to offer in telephonic and electronic commerce 20 2000
7,739,162 System, method, and business method for setting micropayment transaction to a pre-paid instrument 11 2001
7,283,974 Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce 35 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 8 2002
7,792,702 Methods and system for providing offers in real time while preserving confidential information 5 2004
7,386,485 Method and system for providing offers in real time to prospective customers 26 2004
7,178,720 Methods, computer-readable media, and computer program product for intelligent selection of items encoded onto portable machine-playable entertainment media 9 2004
7,364,068 Methods and apparatus for intelligent selection of goods and services offered to conferees 20 2004
8,315,909 Methods and apparatus for intelligent selection of goods and services in point-of-sale commerce 1 2004
8,306,908 Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce 3 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 11 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 2 2011
8,655,746 Methods and system for providing real time offers to a user based on obsolescence of possessed items 0 2011
 
METABANK (15)
8,589,295 Transfer account systems, computer program products, and associated computer-implemented methods 0 2008
8,583,515 Transfer account systems, computer program products, and associated computer-implemented methods 0 2008
8,538,879 System, program product, and computer-implemented method for loading a loan on an existing pre-paid card 0 2009
8,494,960 System, program product, and computer-implemented method for loading a loan on a pre-paid card 0 2009
8,403,211 System, program product and methods for retail activation and reload associated with partial authorization transactions 0 2009
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
8,452,662 System, program product, and associated methods to autodraw for micro-credit attached to prepaid card 0 2011
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
8,485,441 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 1 2012
8,407,100 Machine, methods, and program product for electronic order entry 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
8,666,886 System, program product, and method for debit card and checking account autodraw 0 2012
 
GENWORTH HOLDINGS, INC. (12)
7,844,476 Process for case-based insurance underwriting suitable for use by an automated system 2 2002
7,630,910 System for case-based insurance underwriting suitable for use by an automated system 13 2002
8,005,693 Process for determining a confidence factor for insurance underwriting suitable for use by an automated system 3 2002
7,899,688 Process for optimization of insurance underwriting suitable for use by an automated system 3 2002
7,844,477 Process for rule-based insurance underwriting suitable for use by an automated system 3 2002
7,818,186 System for determining a confidence factor for insurance underwriting suitable for use by an automated system 4 2002
7,813,945 System and process for multivariate adaptive regression splines classification for insurance underwriting suitable for use by an automated system 4 2003
7,801,748 System and process for detecting outliers for insurance underwriting suitable for use by an automated system 9 2003
7,567,914 System and process for dominance classification for insurance underwriting suitable for use by an automated system 20 2003
7,383,239 System and process for a fusion classification for insurance underwriting suitable for use by an automated system 6 2003
7,698,159 Systems and methods for performing data collection 3 2004
8,214,314 System and process for a fusion classification for insurance underwriting suitable for use by an automated system 1 2008
 
TEXTURA CORPORATION (10)
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 2 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 44 2007
7,490,064 Construction payment management system and method with budget reconciliation features 7 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 2 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
 
EQUIFAX, INC. (8)
6,496,936 System and method for authentication of network users 142 2000
7,234,156 System and method for authentication of network users 52 2001
6,857,073 System and method for authentication of network users 56 2002
7,747,559 Systems and processes for automated criteria and attribute generation, searching, auditing and reporting of data 17 2004
7,970,698 Application processing and decision systems and processes 3 2004
8,239,677 Verification and authentication systems and methods 2 2006
8,700,597 Systems and methods for managing statistical expressions 0 2008
8,108,301 Application processing and decision systems and processes 1 2008
 
EXPERIAN INFORMATION SOLUTIONS, INC. (7)
8,036,979 System and method for generating a finance attribute from tradeline data 6 2007
8,606,626 Systems and methods for providing a direct marketing campaign planning environment 0 2008
7,991,689 Systems and methods for detecting bust out fraud using credit data 13 2008
8,364,588 System and method for automated detection of never-pay data sets 2 2010
8,001,042 Systems and methods for detecting bust out fraud using credit data 9 2010
8,315,943 System and method for generating a finance attribute from tradeline data 4 2011
8,626,646 System and method for generating a finance attribute from tradeline data 0 2012
 
NEXTCARD, LLC (7)
6,567,791 Method and apparatus for a verifiable on line rejection of an application for credit 126 1998
6,405,181 Method and apparatus for real time on line credit approval 260 1998
6,324,524 Method and apparatus for an account level offer of credit and real time balance transfer 330 1998
8,010,422 On-line balance transfers 6 2001
7,143,063 Method and apparatus for a verifiable on line rejection of an applicant for credit 70 2003
7,505,939 Method and apparatus for a verifiable on line rejection of an applicant for credit 48 2006
7,756,781 Method and apparatus for a verifiable on line rejection of an applicant for credit 7 2007
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (7)
7,333,953 Method and apparatus for integrated payments processing and decisioning for internet transactions 25 2000
7,324,970 Home asset management account 7 2002
8,571,971 Credit application status monitor 0 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 2 2007
7,860,792 Home asset management account 2 2008
8,407,145 Transaction ID system and process 0 2012
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (6)
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 4 2002
7,386,528 System and method for acquisition, assimilation and storage of information 4 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
 
SMARTSIGNAL CORPORATION (6)
6,775,641 Generalized lensing angular similarity operator 8 2001
8,275,577 Kernel-based method for detecting boiler tube leaks 1 2007
8,311,774 Robust distance measures for on-line monitoring 0 2007
8,239,170 Complex signal decomposition and modeling 3 2008
8,660,980 Monitoring system using kernel regression modeling with pattern sequences 0 2011
8,620,853 Monitoring method using kernel regression modeling with pattern sequences 0 2011
 
EFUNDS CORPORATION (5)
7,752,132 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities 5 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 9 2007
8,060,441 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities 1 2010
8,401,966 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities 0 2011
 
BILL ME LATER, INC. (4)
8,571,972 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 0 2004
7,527,195 Method and system for risk management in a transaction 9 2005
8,554,669 Method and system for offering a credit product by a credit issuer to a consumer at a point-of sale 0 2007
8,433,648 Method and system for engaging in a transaction between a consumer and a merchant 0 2007
 
ISOURCELOANS LLC (4)
7,315,841 Mortgage loan and financial services data processing system 24 1999
7,340,435 Mortgage loan data processing system and method for a loan broker 9 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 2 2003
8,527,402 Mortgage loan data processing system and method for a loan broker 0 2008
 
REARDEN COMMERCE, INC. (4)
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
 
ALOFT MEDIA, LLC (3)
7,970,722 System, method and computer program product for a collaborative decision platform 1 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 13 2010
 
BANK OF AMERICA CORPORATION (3)
7,873,568 Loan management account 1 2004
8,266,050 System and method for processing loans 0 2007
8,078,526 Principal first loan product 0 2008
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (3)
7,072,864 Customer activated multi-value (CAM) card 109 2003
7,086,586 System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance 16 2004
7,051,925 System and method for funding a collective account by use of an electronic tag 98 2004
 
FIRST AMERICAN CMSI (3)
6,587,841 Computer implemented automated credit application analysis and decision routing system 100 1998
7,801,807 Computer implemented automated credit application analysis and decision routing system 2 2003
7,814,002 Computer implemented automated credit application analysis and decision routing system 0 2003
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (3)
7,302,585 System for providing a trustworthy user interface 41 2000
8,584,245 Identifying a trusted computing entity 0 2002
7,904,730 System for providing a trustworthy user interface 1 2007
 
INDUSTRY ACCESS INCORPORATED (3)
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 35 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 29 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 29 2010
 
INTERTHINX, INC. (3)
8,458,082 Automated loan risk assessment system and method 0 2002
8,386,378 Automated loan risk assessment system and method 1 2010
8,315,941 Automated loan risk assessment system and method 0 2010
 
J.P. MORGAN CHASE & CO. (3)
7,831,508 System and method for implementing a consolidated application process 1 2000
8,612,341 Computerized funding of a second financial account by a first financial card 0 2004
8,700,529 Mutual fund card method and system 0 2006
 
TEQ Development (3)
7,216,100 Method for obtaining and allocating investment income based on the capitalization of intellectual property 63 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
 
THE PNC FINANCIAL SERVICES GROUP, INC. (3)
7,415,471 Methods and systems for automated data collection and analysis for use in association with asset securitization 16 2001
7,860,781 Methods and systems for asset/loan management and processing 1 2003
8,571,974 Methods and systems for automated data collection and analysis 0 2008
 
Alternative Financial Solutions LLC (2)
7,191,149 Process for seeking authorization for present receipt of legal tender and associated system 14 2000
7,555,450 Process for seeking authorization for present receipt of legal tender and associated system 0 2007
 
ARGUS INFORMATION & ADVISORY SERVICES, LLC (2)
8,126,805 System and method for revolving credit product offer customization 1 2001
8,086,524 Systems and methods for transaction processing and balance transfer processing 0 2007
 
Charles Schwab & Co., Inc. (2)
6,968,317 Method and apparatus for new accounts program 24 2000
7,778,902 Method and apparatus for a new accounts program 1 2005
 
CHASE BANK USA, NATIONAL ASSOCIATION (2)
7,756,816 System and method for network-based project management 1 2005
7,747,463 Debit purchasing of stored value card for use by and/or delivery to others 19 2008
 
CHASE MANHATAN BANK USA, N.A. (2)
6,615,190 Sponsor funded stored value card 196 2000
6,865,547 Customer activated multi-value (CAM) card 128 2000
 
CITICORP CREDIT SERVICES, INC. (2)
8,271,379 Systems and methods for building a personalized account 1999
8,452,704 Method and system for on-line payments 0 2001
 
CYBERFONE SYSTEMS, LLC (2)
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
 
EBAY INC. (2)
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
 
EWIN WIN, INC. (2)
7,818,212 Multiple criteria buying and selling model 35 1999
8,290,824 Identifying incentives for a qualified buyer 2 2001
 
FAIR ISAAC CORPORATION (2)
7,356,503 ASP business decision engine 6 2001
7,734,522 ASP business decision engine 1 2008
 
H&R BLOCK SERVICES, INC. (2)
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
 
HITACHI-OMRON TERMINAL SOLUTIONS CORP. (2)
6,256,661 Method and apparatus for connecting terminals in a remote consulting system 8 1997
7,031,997 Method and apparatus for connecting terminals in a remote consulting system 0 2001
 
IMX, INC. (2)
7,742,980 Automated loan approval system 3 2002
8,326,748 Automated loan approval system 0 2010
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (2)
6,603,487 System for electronically developing and processing a document 10 1996
6,556,979 Method and system for identifying consumer credit revolvers with neural network time series segmentation 15 2000
 
KEYCORP LIMITED (2)
8,112,337 Method and system for clearing financial instruments 0 2008
8,271,368 Method and system for clearing financial instruments 2012
 
LEADPOINT, INC. (2)
7,970,690 System for implementing automated open market auctioning of leads 4 2005
8,571,951 Automated attachment of segmentation data to hot contact leads for facilitating matching of leads to interested lead buyers 0 2006
 
MAE, FANNIE (2)
6,988,082 Computerized systems and methods for facilitating the flow of capital through the housing finance industry 49 2002
7,809,633 System and method for pricing loans in the secondary mortgage market 1 2003
 
NEWS AMERICA MARKETING PROPERTIES L.L.C. (2)
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
 
ONEPIPELINE.COM (2)
6,985,886 Method and apparatus for a mortgage loan management system 53 2000
6,904,412 Method and apparatus for a mortgage loan originator compliance engine 116 2000
 
Point Pay International, Inc. (2)
D569899 Point of sale terminal with advertising panels 7 2005
D561244 Point of sale terminal with advertising panels 5 2005
 
STANDARD CHARTERED UK HOLDINGS LIMITED (2)
7,480,633 Real-time brokerage account application system and method 2 2001
7,593,892 Financial institution portal system and method 9 2005
 
Touch Tunes Music Corporation (2)
8,495,109 Downloading file reception process 0 2011
8,655,922 Device and process for remote management of a network of audiovisual information reproduction systems 0 2012
 
U.S. BANCORP LICENSING, INC. (2)
7,702,577 System and method for conversion of initial transaction to final transaction 8 2004
7,702,553 System and method for conversion of initial transaction to final transaction 5 2008
 
WALKER DIGITAL, LLC (2)
7,783,537 Method and apparatus for conditional payment to a seller 1 2000
8,001,043 Method, apparatus, and program for customizing credit accounts 3 2000
 
XARAZ PROPERTIES LLC (2)
6,501,569 Image transmission apparatus 2 1996
6,819,455 Image transmission apparatus 0 2002
 
ADVANCE LOAN TECHNOLOGIES LLC (1)
8,660,942 Loan management system and methods 0 2012
 
ALLIANCE DATA SYSTEMS CORPORATION (1)
7,505,938 Interactive voice response quick credit system and associated methods 5 2002
 
AMERICAN BUSINESS FINANCIAL SYSTEMS, INC. (1)
7,395,239 System and method for automatically processing loan applications 11 1999
 
AUTHERNATIVE, INC. (1)
7,379,916 System and method for private secure financial transactions 19 2000
 
BLOCK FINANCIAL LLC (1)
7,523,055 Financial information access system 4 2004
 
CCIP CORP. (1)
7,958,053 Method and system for extending credit with automated repayment 0 2006
 
CHASE BANK USA, N.A. (1)
7,163,153 Selectable multi-purpose card 149 2003
 
CHASE MAHATTAN BANK USA, NATIONAL ASSOCIATION (1)
7,499,887 System and method for card processing with automated payment of club, merchant, and service provider fees 7 2005
 
CHASE MANHATTA BANK USA, N.A. (1)
7,203,663 System and method for converting information on paper forms to electronic data 14 2000
 
CHASE MANHATTAN BANK, THE (1)
7,020,631 Method for mortgage and closed end loan portfolio management 12 2001
 
CHASE MANHATTEN BANK USA, NATIONAL ASSOCIATION (1)
6,965,865 System and method for integrated customer management 11 1999
 
CITIBANK, N.A. (1)
6,088,686 System and method to performing on-line credit reviews and approvals 509 1996
 
CLASS TECHNOLOGY CO., LTD. (1)
6,560,771 System and method for reusing a classed method in object oriented programming 2 2000
 
CMSI (1)
6,505,176 Workflow management system for an automated credit application system 113 1998
 
COMFIDEX CORP. (1)
6,725,220 System and method for integrating paper-based business documents with computer-readable data entered via a computer network 23 2001
 
CONSUMERINFO.COM, INC. (1)
7,975,299 Child identity monitor 3 2008
 
D+H Limited Partnership (1)
6,898,574 Lender and insurer transaction processing system and method 49 1998
 
DEALERTRACK, INC. (1)
6,208,979 Computer-driven information management system for selectively matching credit applicants with money lenders through a global communications network 123 1999
 
E-TALK CORPORATION (1)
6,038,544 System and method for determining the performance of a user responding to a call 136 1998
 
eLynx, Ltd. (1)
8,572,388 Electronic document management system 0 2007
 
EXPERIAN INTERACTIVE INNOVATION CENTER, LLC (1)
8,027,888 Online credit card prescreen systems and methods 0 2006
 
Fannie Mai (1)
8,423,451 System and method for processing a loan 0 2005
 
FIRENSITI II CONSULTING LLC (1)
6,298,335 Method of controlling payment of debts 87 1998
 
FIRST AMERICAN FINANCIAL CORPORATION (1)
8,527,401 Product, system and method for certification of closing and mortgage loan fulfillment 0 2005
 
FUJITSU LIMITED (1)
6,910,020 Apparatus and method for granting access to network-based services based upon existing bank account information 14 1997
 
GEWORTH FINANCIAL, INC. (1)
7,895,062 System for optimization of insurance underwriting suitable for use by an automated system 1 2002
 
GOPIN INC. (1)
7,890,393 Method and system for completing a transaction between a customer and a merchant 7 2002
 
HARDWARESTREET.COM, INC. (1)
7,139,731 Multi-level fraud check with dynamic feedback for internet business transaction processor 91 1999
 
Home American Credit, Inc. (1)
6,823,319 System and method for automated process of deal structuring 113 2000
 
HSBC FINANCE CORPORATION (1)
7,885,890 System for authorizing credit use 1 2007
 
INFOGLIDE SOFTWARE CORPORATION (1)
7,412,417 Loan compliance auditing system and method 8 2000
 
Job Files Corporation (1)
6,311,164 Remote job application method and apparatus 31 1997
 
Jones Lang LaSalle IP, Inc. (1)
7,386,496 System and method for evaluating real estate financing structures 4 2001
 
JP MORGAN CHASE (1)
7,814,003 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2004
 
JPMORGAN CHASE & CO. (1)
8,489,497 Online interactive and partner-enhanced credit card 0 2006
 
JUNO HOLDINGS N.V. (1)
7,818,254 Application apparatus and method 4 1999
 
Juno Holdings S.A.R.L. (1)
RE44626 Application apparatus and method 0 2012
 
LEHMAN BROTHERS INC. (1)
7,310,618 Automated loan evaluation system 20 2001
 
Lenders Residential Asset Company LLC (1)
7,107,241 System and method for processing a secured collateral loan 48 2000
 
LENDING TREE. THE (1)
6,385,594 Method and computer network for co-ordinating a loan over the internet 248 1998
 
LENDINGTREE, LLC (1)
6,611,816 Method and computer network for co-ordinating a loan over the Internet 127 2002
 
LIVECAPITAL, INC. (1)
8,370,253 Method and apparatus for credit brokering for point-of-sale leasing 0 2001
 
LOT 10 ACQUISITION FOUNDATION, LLC (1)
6,356,874 Computer-based method and system for ordering services 30 1996
 
LowerMyBills.com, Inc. (1)
8,412,593 Credit card matching 0 2009
 
MATTHEW S. DEARMEY, ESQ. (1)
8,145,556 Online mortgage approval and settlement system and method therefor 2 2001
 
METAREWARD, INC. (1)
7,970,672 Real-time marketing of credit-based goods or services 0 2005
 
PRICELINE.COM LLC (1)
6,484,153 System and method for managing third-party input to a conditional purchase offer (CPO) 91 1997
 
PROVIDIAN FINANCIAL CORPORATION (1)
8,224,723 Account opening system, method and computer program product 1 2002
 
RELIANCE DATA, L.P. (1)
6,154,729 Method of reporting merchant information to banks 31 1998
 
RISKMETRICS GROUP, INC. (1)
7,509,279 Method and system for computing path dependent probabilities of attaining financial goals 2 2006
 
RTH CORPORATION (1)
6,185,543 Method and apparatus for determining loan prepayment scores 120 1998
 
SEARCH AMERICA, INC. (1)
8,452,611 Method and apparatus for assessing credit for healthcare patients 0 2010
 
SEARS BRANDS, L.L.C. (1)
6,980,969 Methods and apparatus for allowing internet based purchases based on a temporary credit card number 97 2000
 
TITANIUM CAPITAL LLC (1)
6,366,892 Method and system for automatically producing loan documents 33 2000
 
Transactions Holdings Ltd., LLC (1)
8,543,507 Automated transaction machine 0 2007
 
U.S. BANK NATIONAL ASSOCIATION, AS COLLATERAL TRUSTEE (1)
7,792,717 Waterfall prioritized payment processing 51 2004
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (1)
8,620,797 Systems and methods for streamlined purchasing 0 2007
 
VANTEQ, INC. (1)
7,089,202 Method and system for internet banking and financial services 118 2000
 
VANTER DEVELOPMENT, LLC (1)
6,988,085 System and method for real-time electronic inquiry, delivery, and reporting of credit information 55 1999
 
VOICEFILL LLC (1)
6,738,740 Speech recognition system for interactively gathering and storing verbal information to generate documents 21 2001
 
Weber & Associates, Inc. (1)
8,660,918 Virtual financial aid office 0 2001
 
XIGN (1)
8,554,673 Methods and systems for discounts management 0 2004
 
Other [Check patent profile for assignment information] (28)
6,438,526 System and method for transmitting and processing loan data 88 1999
6,236,973 Apparatus and method for providing collateral construction loan insurance coverage 25 2000
8,660,939 Method for mortgage customer retention 0 2001
7,814,233 Computer and microprocessor control units that are inaccessible from the internet 14 2003
7,805,756 Microchips with inner firewalls, faraday cages, and/or photovoltaic cells 16 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 13 2004
7,926,097 Computer or microchip protected from the internet by internal hardware 10 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 10 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 3 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 6 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 1 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 1 2009
8,108,303 Method and apparatus for home buyers loan approval validation 1 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 7 2010
8,561,164 Computers and microchips with a side protected by an internal hardware firewall and an unprotected side connected to a network 0 2010
8,706,564 Methods for dynamic discounting 0 2011
8,707,410 System and method for single session sign-on 0 2011
8,516,033 Computers or microchips with a hardware side protected by a primary internal hardware firewall leaving an unprotected hardware side connected to a network, and with multiple internal hardware compartments protected by multiple secondary interior hardware firewalls 0 2011
8,312,529 Global network computers 7 2011
8,670,246 Computers including an undiced semiconductor wafer with Faraday Cages and internal flexibility sipes 0 2012
8,706,592 Online mortgage approval and settlement system and method therefor 0 2012
8,677,026 Computers and microchips with a portion protected by an internal hardware firewalls 0 2012
8,555,370 Microchips with an internal hardware firewall 0 2012
8,627,444 Computers and microchips with a faraday cage, with a side protected by an internal hardware firewall and unprotected side connected to the internet for network operations, and with internal hardware compartments 0 2012
8,533,047 Internet business transaction processor 1 2013