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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First Claim

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Patent Owner(s)

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

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Norris, Jeffrey A Lexington, SC 13 1912

Cited Art Landscape

Patent Info (Count) # Cites Year
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (3)
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BENEFICIAL FRANCHISE COMPANY, INC. (1)
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NCR CORPORATION (3)
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* 5,604,341 ATM as video conferencing station 60 1995
 
Beneficial Management Corporation of America (1)
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CORNELL UNIVERSITY (1)
* 5,559,895 Adaptive method and system for real time verification of dynamic human signatures 95 1991
 
Communication Intelligence Corporation ("CIC") (1)
* 5,049,862 Keyless flat panel portable computer--computer aided notebook 221 1989
 
Promised Land Technologies, Inc. (1)
* 5,241,620 Embedding neural networks into spreadsheet applications 63 1991
 
FIRST ADVANTAGE CORPORATION (1)
* 5,274,547 System for generating and transmitting credit reports 267 1991
 
AEGIS TECHNOLOGIES, INC. (1)
* 5,231,571 Personal financial assistant computer method 225 1990
 
SECURE SOLUTIONS, INC. (1)
* 4,491,725 Medical insurance verification and processing system 356 1982
 
CORELOGIC SOLUTIONS, LLC (1)
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METROPOLITAN LIFE INSURANCE COMPANY (1)
* 4,648,037 Method and apparatus for benefit and financial communication 164 1984
 
ONLINE RESOURCES & COMMUNICATIONS INC. (1)
* 5,220,501 Method and system for remote delivery of retail banking services 1459 1989
 
CU DIRECT CORPORATION (1)
* 5,611,052 Lender direct credit evaluation and loan processing system 459 1993
 
MITSUBISHI DENKI KABUSHIKI KAISHA (1)
5,101,250 Electrically programmable non-volatile memory device and manufacturing method thereof 65 1990
 
INTERMEC IP CORP. (1)
* 5,202,825 Transaction control system including portable data terminal and mobile customer service station 64 1991
 
Financial Design Systems, Inc. (1)
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NANJI, ANVAR (1)
* 5,239,462 Method and apparatus for automatically determining the approval status of a potential borrower 345 1992
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (76)
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6,236,973 Apparatus and method for providing collateral construction loan insurance coverage 28 2000
* 2002/0091,630 Loan intermediary processing system and method thereof 41 2002
* 2002/0111,901 Loan servicing system 40 2002
* 2003/0167,225 Favored client advance with audit protection method 98 2002
* 2005/0086,084 Method of administrating insurance coverage for multi tasks building projects 22 2002
* 2004/0024,672 Customer activated multi-value (CAM) card 107 2003
7,814,233 Computer and microprocessor control units that are inaccessible from the internet 27 2003
7,805,756 Microchips with inner firewalls, faraday cages, and/or photovoltaic cells 32 2004
* 2004/0215,931 Global network computers 41 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 21 2004
* 2005/0102,226 System and method of accounting for mortgage related transactions 102 2004
* 2005/0262,829 Exhaust gas purification device of internal combustion engine 1 2005
* 2005/0246,252 Method and apparatus for new accounts program 3 2005
7,926,097 Computer or microchip protected from the internet by internal hardware 22 2005
* 2006/0095,497 Global network computers 23 2005
* 2006/0069,641 Method, computer program product, and system for assuming a loan 0 2005
* 2006/0011,398 Multiple-passenger transporter 2 2005
* 8,225,003 Computers and microchips with a portion protected by an internal hardware firewall 1 2006
* 2006/0177,226 Global network computers 30 2006
7,908,650 Computer or microchip protected from the internet by internal hardware 22 2006
* 2006/0190,565 Global network computers 24 2006
* 7,822,681 Financial collaboration networks 0 2006
* 2006/0206,416 Financial collaboration networks 7 2006
8,095,393 Method and system for automated processing of insurance information 0 2006
* 2006/0241,982 Method and system for automated processing of insurance information 21 2006
* 2007/0005,496 System and method for selectable funding of electronic transactions 28 2006
* 2007/0055,622 METHOD FOR VERIFYING AVAILABLE FUNDS 5 2006
* 2007/0162,387 System and method for optimized funding of electronic transactions 43 2007
* 2008/0040,251 Method for Obtaining and Allocating Investment Income Based on the Capitalization of Intellectual Property 0 2007
* 2008/0021,826 Customer Activated Multi-Value (CAM) Card 2 2007
* 2008/0021,820 Customer Activated Multi-Value (CAM) Card 0 2007
* 2008/0022,128 SYSTEM FOR PROVIDING A TRUSTWORTHY USER INTERFACE 35 2007
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* 2008/0270,294 Method and Apparatus for a Verifiable On Line Rejection of an Applicant for Credit 44 2007
8,332,924 Microchips with multiple internal hardware-based firewalls and dies 7 2008
* 2009/0031,412 GLOBAL NETWORK COMPUTERS 22 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 17 2009
* 2009/0282,092 GLOBAL NETWORK COMPUTERS 24 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 2 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 16 2009
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* 2010/0250,431 SYSTEMS, METHODS, AND MACHINE-READABLE MEDIUMS FOR PROVIDING REAL-TIME DATA OF COMMERCIAL AND FINANCIAL ACTIVITY OF A BUSINESS TO A FINANCIAL INSTITUTION TO GUIDE CREDIT OPERATIONS AND RISK MANAGEMENT 0 2009
* 2010/0250,415 SYSTEMS, METHODS AND MACHINE-READABLE MEDIUMS FOR MANAGING COMMITMENTS AND ACCOUNT RECEIVABLES 1 2009
* 2010/0057,606 Syndication Loan Administration and Processing System 0 2009
8,108,303 Method and apparatus for home buyers loan approval validation 2 2009
* 2010/0042,534 METHOD AND APPARATUS FOR HOME BUYERS LOAN APPROVAL VALIDATION 1 2009
* 2010/0114,758 SYSTEM AND METHOD FOR PROVIDING INSTANT-DECISION, FINANCIAL NETWORK-BASED PAYMENT CARDS 0 2010
* 2011/0307,373 System and method for Internet based peer-to-peer banking 0 2010
* 2010/0262,535 METHOD AND APPARATUS FOR A VERIFIABLE ON LINE REJECTION OF AN APPLICATION FOR CREDIT 0 2010
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 20 2010
* 2011/0004,930 GLOBAL NETWORK COMPUTERS 21 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
* 2011/0047,070 Financial Collaboration Networks 1 2010
8,739,195 Microchips with an internal hardware firewall protected portion and a network portion with microprocessors which execute shared processing operations with the network 1 2011
8,726,303 Microchips with an internal hardware firewall that by its location leaves unprotected microprocessors or processing units which performs processing with a network 1 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 1 2011
8,732,230 Computers and microchips with a side protected by an internal hardware firewall and an unprotected side connected to a network 1 2011
8,312,529 Global network computers 20 2011
8,670,246 Computers including an undiced semiconductor wafer with Faraday Cages and internal flexibility sipes 1 2012
* 8,677,026 Computers and microchips with a portion protected by an internal hardware firewalls 6 2012
* 2012/0317,396 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 2 2012
8,533,047 Internet business transaction processor 6 2013
8,892,627 Computers or microchips with a primary internal hardware firewall and with multiple internal harware compartments protected by multiple secondary interior hardware firewalls 0 2013
8,712,846 Sending targeted product offerings based on personal information 0 2013
8,898,768 Computer or microchip with a secure control bus connecting a central controller to volatile RAM and the volatile RAM to a network-connected microprocessor 0 2013
8,775,255 Internet business transaction processor 0 2013
8,848,368 Computer with at least one faraday cage and internal flexibility sipes 0 2013
9,021,011 Computer or microchip including a network portion with RAM memory erasable by a firewall-protected master controller 0 2013
9,183,410 Computer or microchip with an internal hardware firewall and a master controlling device 0 2014
9,172,676 Computer or microchip with its system bios protected by one or more internal hardware firewalls 0 2014
9,009,809 Computer or microchip with a secure system BIOS and a secure control bus connecting a central controller to many network-connected microprocessors and volatile RAM 0 2014
9,003,510 Computer or microchip with a secure system bios having a separate private network connection to a separate private network 0 2014
 
INTERTHINX, INC. (1)
8,315,941 Automated loan risk assessment system and method 0 2010
 
EXPERIAN INFORMATION SOLUTIONS, INC. (11)
* 2002/0052,836 Method and apparatus for determining a prepayment score for an individual applicant 85 2001
8,036,979 System and method for generating a finance attribute from tradeline data 17 2007
8,606,626 Systems and methods for providing a direct marketing campaign planning environment 5 2008
7,991,689 Systems and methods for detecting bust out fraud using credit data 40 2008
9,256,904 Multi-bureau credit file freeze and unfreeze 1 2009
8,364,588 System and method for automated detection of never-pay data sets 15 2010
8,001,042 Systems and methods for detecting bust out fraud using credit data 34 2010
8,315,943 System and method for generating a finance attribute from tradeline data 15 2011
9,147,042 Systems and methods for data verification 5 2011
8,626,646 System and method for generating a finance attribute from tradeline data 5 2012
9,251,541 System and method for automated detection of never-pay data sets 0 2012
 
EXPERIAN MARKETING SOLUTIONS, INC. (1)
9,152,727 Systems and methods for processing consumer information for targeted marketing applications 1 2011
 
FIRST USA MANAGEMENT SERVICES, INC. (1)
8,793,160 System and method for processing transactions 0 2003
 
INFOGLIDE SOFTWARE CORPORATION (1)
7,412,417 Loan compliance auditing system and method 10 2000
 
RTH CORPORATION (1)
* 6,185,543 Method and apparatus for determining loan prepayment scores 159 1998
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
* 2010/0274,720 FRAUD AND REPUTATION PROTECTION USING ADVANCED AUTHORIZATION AND RULES ENGINE 4 2010
 
CHASE BANK USA, N.A. (3)
7,163,153 Selectable multi-purpose card 207 2003
* 2003/0209,608 Selectable multi-purpose card 6 2003
* 2007/0265,924 System and method for funding a collective account by use of an electronic tag 56 2007
 
LENDINGTREE, LLC (5)
* 6,385,594 Method and computer network for co-ordinating a loan over the internet 311 1998
6,611,816 Method and computer network for co-ordinating a loan over the Internet 167 2002
* 2004/0030,639 Method and computer network for co-ordinating a loan over the internet 6 2003
* 2004/0205,019 Method and system for selecting qualification forms for financial services and financial products 12 2004
* 2009/0259,586 METHOD AND COMPUTER NETWORK FOR CO-ORDINATING FINANCIAL SERVICES/PRODUCTS 0 2009
 
DECISIONING.COM, INC. (1)
* 2005/0038,737 Automatic financial account processing system 22 2004
 
Lenders Residential Asset Company LLC (1)
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LEHMAN BROTHERS BANK, FSB (1)
* 2007/0043,654 Automated loan evaluation system 17 2001
 
GOPIN INC. (2)
7,890,393 Method and system for completing a transaction between a customer and a merchant 20 2002
* 2004/0078,328 Method and system for completing a transaction between a customer and a merchant 202 2003
 
LEHMAN BROTHERS INC. (1)
* 7,310,618 Automated loan evaluation system 25 2001
 
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 MANHATAN BANK USA, N.A. (2)
6,615,190 Sponsor funded stored value card 226 2000
6,865,547 Customer activated multi-value (CAM) card 160 2000
 
EWIN WIN, INC. (2)
8,290,824 Identifying incentives for a qualified buyer 9 2001
7,899,707 DAS predictive modeling and reporting function 39 2003
 
CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION (2)
7,020,631 Method for mortgage and closed end loan portfolio management 14 2001
* 2001/0029,477 Method for mortgage and closed end loan portfolio management 5 2001
 
GE FINANCIAL HOLDINGS ASSURANCE (1)
* 2005/0125,253 System and method for using medication and medical condition information in automated insurance underwriting 15 2003
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (5)
7,302,585 System for providing a trustworthy user interface 54 2000
8,584,245 Identifying a trusted computing entity 0 2002
* 2002/0180,778 Identifying a trusted computing entity 15 2002
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7,904,730 System for providing a trustworthy user interface 3 2007
 
CHASE MANHATTEN BANK USA, NATIONAL ASSOCIATION (1)
6,965,865 System and method for integrated customer management 19 1999
 
CHASE MANHATTA BANK USA, N.A. (1)
7,203,663 System and method for converting information on paper forms to electronic data 19 2000
 
Home American Credit, Inc. (1)
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OHIO SAVINGS BANK (1)
* 2006/0282,376 System and method for automated processing of real estate title commitments 0 2006
 
INGENIX, INC. (1)
* 2008/0183,508 Methods for Real-Time Underwriting 3 2008
 
JUNO HOLDINGS S.A.R.L. (1)
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D+H Limited Partnership (1)
* 6,898,574 Lender and insurer transaction processing system and method 63 1998
 
Job Files Corporation (1)
* 6,311,164 Remote job application method and apparatus 34 1997
 
ONEPIPELINE.COM (4)
6,985,886 Method and apparatus for a mortgage loan management system 65 2000
6,904,412 Method and apparatus for a mortgage loan originator compliance engine 138 2000
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GE CAPITAL MORTGAGE CORPORATION (1)
* 2002/0007,342 Systems and methods for automatically obtaining loss mitigation loan workout decisions 13 2001
 
HUNTON & WILLIAMS LLP;INTELLECTUAL PROPERTY DEPARTMENT (1)
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Digital Matrix Systems, Inc. (1)
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PROFIT PLUS BUSINESS SYSTEM (1)
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JONES LANG LASALLE IP, INC. (1)
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Comfidex Corp. (1)
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GREENRIDGE REALTY, INC. (1)
* 2001/0034,607 System for providing automated real estate services 20 2001
 
ISOURCELOANS LLC (7)
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7,340,435 Mortgage loan data processing system and method for a loan broker 9 2003
* 2004/0002,915 Mortgage loan data processing system and method for a loan broker 7 2003
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8,527,402 Mortgage loan data processing system and method for a loan broker 0 2008
* 2008/0215,482 Mortgage loan data processing system and method for a loan broker 0 2008
 
Lending Tree, Inc. (1)
* 2005/0273,406 Method and computer network for co-ordinating a loan over the internet 6 2004
 
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FIRENSITI II CONSULTING LLC (1)
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Transactions Holdings Ltd., LLC (1)
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CONSUMERINFO.COM, INC. (3)
7,975,299 Child identity monitor 21 2008
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9,058,627 Circular rotational interface for display of consumer credit information 8 2014
 
Fannie Mai (1)
8,423,451 System and method for processing a loan 4 2005
 
PROVIDIAN FINANCIAL CORPORATION (1)
8,224,723 Account opening system, method and computer program product 14 2002
 
EXPERIAN TECHNOLOGY LIMITED (1)
8,930,262 Systems and methods of assisted strategy design 3 2011
 
DEEM, INC. (11)
9,226,975 Apparatus and method to provide community pricing 0 2004
9,161,994 Cost model analysis and breakdown for cost buildup 0 2005
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8,126,776 Method and systems for personal restaurant assistant 8 2006
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* 2008/0091,481 SYSTEM AND METHOD FOR AUTOMATIC REVIEW OF TRAVEL CHANGES AND IMPROVED SUGGESTIONS AND RULES SET 10 2006
7,937,330 System and method for optimization of group shipments to reduce shipping costs 8 2009
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CREDIT ACCEPTANCE CORPORATION (1)
* 2001/0034,700 Vehicle leasing and customer credit rehabilitation system and method 15 2001
 
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BANK OF AMERICA CORPORATION (5)
* 7,873,568 Loan management account 1 2004
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SMARTSIGNAL CORPORATION (7)
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8,311,774 Robust distance measures for on-line monitoring 0 2007
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CC SERVE CORPORATION (2)
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* 2007/0260,537 Method and system for extending credit with automated repayment 9 2006
 
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8,756,099 Consumer processing system and method 0 2005
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THE PNC FINANCIAL SERVICES GROUP, INC. (4)
7,415,471 Methods and systems for automated data collection and analysis for use in association with asset securitization 22 2001
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GOLDMAN SACHS SPECIALTY LENDING GROUP, L.P. (1)
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News America Marketing Properties, LLC (3)
8,050,969 Interactive marketing network and process using electronic certificates 5 2008
8,775,245 Secure coupon distribution 1 2010
8,370,200 Interactive marketing network and process using electronic certificates 2 2011
 
TITANIUM CAPITAL LLC (1)
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TEQ Development (3)
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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
 
MATTHEW S. DEARMEY, ESQ. (2)
8,145,556 Online mortgage approval and settlement system and method therefor 2 2001
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III HOLDINGS 1, LLC (13)
7,957,999 Electronic acquisition system and method 0 2002
* 2002/0152,106 Electronic acquisition system and method 64 2002
7,778,920 Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account 5 2002
* 2002/0138,418 Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account 71 2002
7,386,528 System and method for acquisition, assimilation and storage of information 4 2002
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7,610,261 System and method for acquisition, assimilation and storage of information 1 2007
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8,090,734 System and method for assessing risk 5 2009
* 2010/0005,027 SYSTEM AND METHOD FOR ASSESSING RISK 2 2009
7,930,244 Method and apparatus for providing pre-existing customers and prospective customers with an immediately accessible account 0 2010
* 2011/0166,923 METHOD AND APPARATUS FOR PROVIDING PRE-EXISTING AND PROSPECTIVE CUSTOMERS WITH AN IMMEDIATELY ACCESSIBLE ACCOUNT 0 2011
 
WEST INTERACTIVE SERVICES CORPORATION (1)
7,996,279 Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce 1 2007
 
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GEWORTH FINANCIAL, INC. (2)
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AMERICAN BUSINESS FINANCIAL SYSTEMS, INC. (1)
* 7,395,239 System and method for automatically processing loan applications 12 1999
 
OPEN TEXT CORPORATION (1)
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BANK ONE, NA (6)
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7,086,586 System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance 18 2004
7,051,925 System and method for funding a collective account by use of an electronic tag 109 2004
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NOLAND, CATHLEEN (2)
* 2006/0271,470 Method and system for internet banking and financial services 7 2006
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JUNO HOLDINGS N.V. (1)
7,818,254 Application apparatus and method 10 1999
 
HOUSEHOLD INTERNATIONAL, INC., A CORP. OF DE (1)
* 2004/0078,323 Quality control for loan processing 28 2003
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (8)
7,333,953 Method and apparatus for integrated payments processing and decisioning for internet transactions 27 2000
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8,571,971 Credit application status monitor 12 2002
8,145,567 Transaction ID system and process 1 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
 
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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 38 2003
 
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8,132,714 Automated transaction machine 1 2007
8,132,715 Automated transaction machine 2 2007
7,837,101 Automated transaction machine 4 2007
7,802,718 Automated transaction machine 4 2007
7,793,830 Automated transaction machine 4 2007
7,699,220 Automated transaction machine 5 2007
7,617,973 Automated transaction machine 4 2007
7,600,677 Automated transaction machine 4 2007
7,597,251 Automated transaction machine 7 2007
7,597,248 Automated transaction machine 4 2007
7,591,420 Automated transaction machine 5 2007
7,575,158 Automated transaction machine 5 2007
7,571,850 Automated transaction machine 8 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)
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 54 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 46 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 46 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
 
III Holdings l, LLC (1)
8,788,376 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)
8,452,611 Method and apparatus for assessing credit for healthcare patients 3 2010
8,930,216 Method and apparatus for assessing credit for healthcare patients 1 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 12 2005
 
THE WESTERN UNION COMPANY (1)
* 2009/0192,934 Consumer Lending Using A Money Transfer Network Systems And Methods 38 2008
 
Pitney Bowes Inc. (1)
* 2008/0301,184 System and Method for Updating Mailing Lists 2 2007
 
Advance Loan Technologies LLC (2)
* 8,660,942 Loan management system and methods 0 2012
* 2012/0317,015 Loan Management System and Methods 0 2012
 
Touch Tunes Music Corporation (4)
* 2008/0239,887 Jukebox with associated video server 74 2008
8,495,109 Downloading file reception process 2 2011
8,655,922 Device and process for remote management of a network of audiovisual information reproduction systems 0 2012
9,015,287 Digital downloading jukebox system with user-tailored music management, communications, and other tools 0 2014
 
H&R BLOCK SERVICES, INC. (4)
7,032,008 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
7,296,065 System for on-line financial services using distributed objects 0 2005
* 2006/0179,117 SYSTEM FOR ON-LINE FINANCIAL SERVICES USING DISTRIBUTED OBJECTS 0 2005
 
TOUCHTUNES MUSIC CORPORATION (82)
7,996,873 Remote management system for at least one audiovisual information reproduction device 27 2000
7,992,178 Downloading file reception process 17 2000
8,074,253 Audiovisual reproduction system 40 2000
8,037,412 Pay-per-play audiovisual system with touch screen interface 26 2002
* 7,574,727 Intelligent digital audiovisual playback system 72 2002
* 2003/0041,325 Intelligent digital audiovisual reproduction system 4 2002
* 2005/0060,405 Digital downloading jukebox system with central and local music servers 76 2003
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 3 2005
* 2005/0125,833 System for distributing and selecting audio and video information and method implemented by said system 74 2005
8,103,589 Digital downloading jukebox system with central and local music servers 25 2005
* 2006/0018,208 Digital downloading jukebox system with central and local music servers 105 2005
8,151,304 Digital downloading jukebox system with user-tailored music management, communications, and other tools 31 2005
8,332,895 Digital downloading jukebox system with user-tailored music management, communications, and other tools 27 2006
* 2006/0239,131 Digital downloading jukebox system with user-tailored music management, communications, and other tools 122 2006
8,184,508 Intelligent digital audiovisual reproduction system 1 2007
* 2007/0121,430 Intelligent digital audiovisual reproduction system 69 2007
8,428,273 Wireless digital transmission system for loudspeakers 2 2007
* 2007/0160,224 Wireless digital transmission system for loudspeakers 70 2007
8,032,879 System for remote loading of objects or files in order to update software 21 2007
9,171,419 Coin operated entertainment system 0 2007
8,028,318 Remote control unit for activating and deactivating means for payment and for displaying payment status 20 2007
8,225,369 Home digital audiovisual information recording and playback system 0 2007
* 2008/0069,545 Home digital audiovisual information recording and playback system 69 2007
8,214,874 Method for the distribution of audio-visual information and a system for the distribution of audio-visual information 17 2008
* 2008/0195,443 Digital downloading jukebox system with central and local music servers 70 2008
* 2010/0042,505 Digital signage and gaming services to comply with federal and state alcohol and beverage laws and regulations 69 2008
7,996,438 Device and process for remote management of a network of audiovisual information reproduction systems 0 2008
* 2009/0070,341 Device and process for remote management of a network of audiovisual information reproduction systems 68 2008
8,127,324 Audiovisual reproduction system 0 2008
* 2009/0037,969 Audiovisual reproduction system 69 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
8,726,330 Intelligent digital audiovisual playback system 0 2009
* 2009/0282,491 Intelligent digital audiovisual playback system 68 2009
9,076,155 Jukebox with connection to external social networking services and associated systems and methods 0 2010
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
* 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 68 2010
8,469,820 Communication device and method between an audiovisual information playback system and an electronic game machine 0 2010
* 2010/0279,775 Communication device and method between an audiovisual information playback system and an electronic game machine 1 2010
8,843,991 Audiovisual reproduction system 0 2010
8,275,668 Process for ordering a selection in advance, digital system and jukebox for embodiment of the process 0 2010
* 2010/0269,066 Process for ordering a selection in advance, digital system and jukebox for embodiment of the process 43 2010
8,145,547 Method of communications for an intelligent digital audiovisual playback system 0 2010
* 2010/0299,232 Method of communications for an intelligent digital audiovisual playback system 35 2010
8,473,416 Jukebox with customizable avatar 0 2010
8,724,436 Audiovisual distribution system for playing an audiovisual piece among a plurality of audiovisual devices connected to a central server through a network 0 2011
8,479,240 Remote management system for at least one audiovisual information reproduction device 1 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 1 2011
8,683,541 Audiovisual reproduction system 1 2011
8,584,175 Digital downloading jukebox system with user-tailored music management, communications, and other tools 5 2011
9,100,676 Audiovisual reproduction system 0 2012
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
9,129,328 Process for ordering a selection in advance, digital system and jukebox for embodiment of the process 0 2012
9,324,064 Digital jukebox device with karaoke and/or photo booth features, and associated methods 0 2012
8,739,206 Systems and/or methods for distributing advertisements from a central advertisement network to a peripheral device via a local advertisement server 0 2012
8,719,873 Digital downloading jukebox system with user-tailored music management, communications, and other tools 0 2012
9,313,574 Wireless digital transmission system for loudspeakers 0 2012
9,292,166 Digital jukebox device with improved karaoke-related user interfaces, and associated methods 0 2013
8,781,926 Communications techniques for an intelligent digital audiovisual reproduction system 0 2013
8,931,020 Remote management system for at least one audiovisual information reproduction device 0 2013
8,840,479 Communication device and method between an audiovisual information playback system and an electronic game machine 0 2013
8,863,161 Method for the distribution of audio-visual information and a system for the distribution of audio-visual information 0 2013
9,165,322 Digital downloading jukebox system with user-tailored music management, communications, and other tools 1 2013
8,904,449 Remote control unit for activating and deactivating means for payment and for displaying payment status 0 2013
9,041,784 Digital jukebox device with karaoke and/or photo booth features, and associated methods 0 2013
8,751,611 Digital downloading jukebox system with user-tailored music management, communications, and other tools 2 2013
9,152,633 Device and process for remote management of a network of audiovisual information reproduction systems 0 2014
9,148,681 Audiovisual reproduction system 0 2014
8,918,485 Digital downloading jukebox system with user-tailored music management, communications, and other tools 0 2014
8,930,504 Digital downloading jukebox system with user-tailored music management, communications, and other tools 0 2014
9,197,914 Method for the distribution of audio-visual information and a system for the distribution of audio-visual information 0 2014
9,149,727 Communication device and method between an audiovisual information playback system and an electronic game machine 0 2014
9,015,286 Digital downloading jukebox system with user-tailored music management, communications, and other tools 0 2014
9,288,529 Remote management system for at least one audiovisual information reproduction device 0 2014
9,202,209 Digital downloading jukebox system with user-tailored music management, communications, and other tools 0 2015
9,164,661 Digital downloading jukebox system with user-tailored music management, communications, and other tools 0 2015
9,292,999 Communication device and method between an audiovisual information playback system and an electronic game machine 0 2015
 
PRICELINE.COM LLC (1)
* 6,484,153 System and method for managing third-party input to a conditional purchase offer (CPO) 115 1997
 
Kixia, Inc. (1)
* 2008/0133,402 SOCIOFINANCIAL SYSTEMS AND METHODS 24 2007
 
BLACK KNIGHT IP HOLDING COMPANY, LLC (2)
8,572,388 Electronic document management system 4 2007
* 2008/0034,213 ELECTRONIC DOCUMENT MANAGEMENT SYSTEM 17 2007
 
IMX, INC. (4)
7,742,980 Automated loan approval system 5 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 0 2009
8,326,748 Automated loan approval system 1 2010
 
SMART SIGNAL CORPORATION (1)
* 2008/0183,425 ROBUST DISTANCE MEASURES FOR ON-LINE MONITORING 9 2007
 
TUXIS TECHNOLOGIES LLC (1)
8,315,915 Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce 0 2011
 
WHITE RABBIT GAME STUDIO (2)
9,330,529 Game terminal configured for interaction with jukebox device systems including same, and/or associated methods 0 2007
* 2008/0171,594 COIN OPERATED GAME TERMINAL 69 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
 
XIGN (1)
8,554,673 Methods and systems for discounts management 0 2004
 
JPMORGAN CHASE & CO. (1)
8,489,497 Online interactive and partner-enhanced credit card 0 2006
 
CITICORP CREDIT SERVICES, INC. (USA) (2)
8,271,379 Systems and methods for building a personalized account 0 1999
8,452,704 Method and system for on-line payments 0 2001
 
CMSI (1)
* 6,505,176 Workflow management system for an automated credit application system 121 1998
 
LoadPoint, Inc (1)
8,924,247 Ranking system using instant post-transaction surveying of transaction judges 0 2006
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (5)
* 6,603,487 System for electronically developing and processing a document 13 1996
6,556,979 Method and system for identifying consumer credit revolvers with neural network time series segmentation 17 2000
7,970,722 System, method and computer program product for a collaborative decision platform 4 2009
8,160,988 System, method and computer program product for a collaborative decision platform 1 2010
8,005,777 System, method and computer program product for a collaborative decision platform 16 2010
 
U.S. BANK NATIONAL ASSOCIATION (1)
7,792,717 Waterfall prioritized payment processing 65 2004
 
KEYCORP (4)
* 2006/0259,440 Method and system for electronically signing a document 15 2005
8,112,337 Method and system for clearing financial instruments 0 2008
* 2010/0063,927 METHOD AND SYSTEM FOR CLEARING FINANCIAL INSTRUMENTS 4 2008
8,271,368 Method and system for clearing financial instruments 0 2012
 
GE INTELLIGENT PLATFORMS, INC. (2)
9,256,224 Method of sequential kernel regression modeling for forecasting and prognostics 0 2011
9,250,625 System of sequential kernel regression modeling for forecasting and prognostics 0 2011
 
FIRST AMERICAN FINANCIAL CORPORATION (7)
* 8,458,082 Automated loan risk assessment system and method 0 2002
* 2003/0093,366 Automated loan risk assessment system and method 116 2002
8,527,401 Product, system and method for certification of closing and mortgage loan fulfillment 1 2005
* 2006/0136,330 Product, system and method for certification of closing and mortgage loan fulfillment 20 2005
* 8,386,378 Automated loan risk assessment system and method 2 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)
* 6,910,020 Apparatus and method for granting access to network-based services based upon existing bank account information 16 1997
 
J.P. MORGAN CHASE & CO. (4)
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
* 2004/0193,539 Mutual fund card method and system 55 2004
8,700,529 Mutual fund card method and system 0 2006
 
FIRST AMERICAN CMSI (6)
6,587,841 Computer implemented automated credit application analysis and decision routing system 139 1998
7,801,807 Computer implemented automated credit application analysis and decision routing system 11 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 2 2003
7,814,002 Computer implemented automated credit application analysis and decision routing system 2 2003
* 2004/0138,994 Computer implemented automated credit application analysis and decision routing system 10 2003
 
WEST CORPORATION (22)
7,280,979 Methods and apparatus for intelligent, purpose-based selection of goods and services in telephonic and electronic commerce 29 2000
7,729,945 Systems and methods that use geographic data to intelligently select goods and services to offer in telephonic and electronic commerce 43 2000
7,739,162 System, method, and business method for setting micropayment transaction to a pre-paid instrument 19 2001
* 2002/0055,906 Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce 136 2001
7,283,974 Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce 58 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 12 2002
8,712,857 Methods and apparatus for intelligent selection of goods and services in mobile commerce 2 2003
7,792,702 Methods and system for providing offers in real time while preserving confidential information 12 2004
7,386,485 Method and system for providing offers in real time to prospective customers 46 2004
7,178,720 Methods, computer-readable media, and computer program product for intelligent selection of items encoded onto portable machine-playable entertainment media 28 2004
7,364,068 Methods and apparatus for intelligent selection of goods and services offered to conferees 30 2004
8,315,909 Methods and apparatus for intelligent selection of goods and services in point-of-sale commerce 4 2004
8,306,908 Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce 9 2006
8,769,567 Methods, media, and apparatus for intelligent selection of items encoded onto portable machine-readable entertainment media 0 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 17 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 8 2008
8,244,613 System, method, and business method for settling micropayment transactions to a pre-paid instrument 0 2010
8,290,829 Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce 4 2011
8,655,746 Methods and system for providing real time offers to a user based on obsolescence of possessed items 1 2011
8,793,165 Method, program storage device, and apparatus for offering a user a plurality of scenarios under which to conduct a primary transaction 0 2011
8,800,861 Methods and apparatus for intelligent selection of goods and services offered to conferees 0 2012
 
ARGUS INFORMATION AND ADVISORY SERVICES, LLC (4)
* 8,126,805 System and method for revolving credit product offer customization 8 2001
* 2005/0102,221 System and method for revolving credit product offer customization 9 2003
8,086,524 Systems and methods for transaction processing and balance transfer processing 7 2007
* 2012/0254,019 SYSTEM AND METHOD FOR REVOLVING CREDIT PRODUCT OFFER CUSTOMIZATION 0 2012
 
CUFER ASSET LTD. L.L.C. (1)
* 6,356,874 Computer-based method and system for ordering services 32 1996
 
ALIBABA GROUP HOLDING LIMITED (1)
* 2011/0166,987 Evaluating Loan Access Using Online Business Transaction Data 0 2009
 
U.S. BANCORP LICENSING, INC. (2)
7,702,577 System and method for conversion of initial transaction to final transaction 22 2004
7,702,553 System and method for conversion of initial transaction to final transaction 17 2008
 
CIT LENDING SERVICES CORPORATION (1)
* 2003/0009,418 Systems and methods for electronically verifying and processing information 102 2001
 
KRAFT FOODS GROUP BRANDS LLC (1)
* 2008/0029,475 Plastic coffee container with pinch grip 7 2006
 
TEALDI, DANIEL A. (1)
8,706,592 Online mortgage approval and settlement system and method therefor 0 2012
 
HSBC FINANCE CORPORATION (2)
7,885,890 System for authorizing credit use 1 2007
* 2007/0164,102 SYSTEM FOR AUTHORIZING CREDIT USE 1 2007
 
Authernative, Inc. (1)
7,379,916 System and method for private secure financial transactions 21 2000
 
VANTEQ, INC. (1)
* 7,089,202 Method and system for internet banking and financial services 133 2000
 
BLOCK FINANCIAL LLC (1)
7,523,055 Financial information access system 8 2004
 
CUROMAX CORPORATION (1)
* 2002/0116,328 Automotive finance portal 4 2002
 
HITACHI-OMRON TERMINAL SOLUTIONS CORP. (4)
* 6,256,661 Method and apparatus for connecting terminals in a remote consulting system 10 1997
7,031,997 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
 
COMENITY LLC (1)
* 7,505,938 Interactive voice response quick credit system and associated methods 7 2002
 
GENWORTH HOLDINGS, INC. (24)
7,844,476 Process for case-based insurance underwriting suitable for use by an automated system 6 2002
7,630,910 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
8,793,146 System for rule-based insurance underwriting suitable for use by an automated system 1 2002
8,005,693 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
* 7,899,688 Process for optimization of insurance underwriting suitable for use by an automated system 8 2002
7,844,477 Process for rule-based insurance underwriting suitable for use by an automated system 6 2002
7,818,186 System for determining a confidence factor for insurance underwriting suitable for use by an automated system 9 2002
* 2003/0182,159 Process for summarizing information for insurance underwriting suitable for use by an automated system 50 2002
* 2003/0177,032 System for summerizing information for insurance underwriting suitable for use by an automated system 61 2002
7,813,945 System and process for multivariate adaptive regression splines classification for insurance underwriting suitable for use by an automated system 5 2003
7,801,748 System and process for detecting outliers for insurance underwriting suitable for use by an automated system 14 2003
7,567,914 System and process for dominance classification for insurance underwriting suitable for use by an automated system 22 2003
7,383,239 System and process for a fusion classification for insurance underwriting suitable for use by an automated system 9 2003
* 2004/0236,611 System and process for a neural network classification for insurance underwriting suitable for use by an automated system 38 2003
* 2004/0220,837 System and process for a fusion classification for insurance underwriting suitable for use by an automated system 7 2003
* 2004/0220,838 System and process for detecting outliers for insurance underwriting suitable for use by an automated system 29 2003
* 2004/0220,840 System and process for multivariate adaptive regression splines classification for insurance underwriting suitable for use by an automated system 26 2003
* 2004/0220,839 System and process for dominance classification for insurance underwriting suitable for use by an automated system 30 2003
7,698,159 Systems and methods for performing data collection 5 2004
* 2005/0182,667 Systems and methods for performing data collection 20 2004
8,214,314 System and process for a fusion classification for insurance underwriting suitable for use by an automated system 2 2008
 
Equifax, Inc. (14)
6,496,936 System and method for authentication of network users 194 2000
7,234,156 System and method for authentication of network users 85 2001
6,857,073 System and method for authentication of network users 103 2002
7,747,559 Systems and processes for automated criteria and attribute generation, searching, auditing and reporting of data 42 2004
* 2005/0086,579 Systems and processes for automated criteria and attribute generation, searching, auditing and reporting of data 49 2004
7,970,698 Application processing and decision systems and processes 10 2004
* 2007/0022,027 Application processing and decision systems and processes 17 2004
8,239,677 Verification and authentication systems and methods 10 2006
* 2008/0086,759 Verification and authentication systems and methods 74 2006
8,700,597 Systems and methods for managing statistical expressions 1 2008
* 2009/0044,096 SYSTEMS AND METHODS FOR MANAGING STATISTICAL EXPRESSIONS 5 2008
8,108,301 Application processing and decision systems and processes 1 2008
* 2009/0112,753 APPLICATION PROCESSING AND DECISION SYSTEMS AND PROCESSES 12 2008
8,793,777 Verification and authentication systems and methods 0 2012
 
NEXTCARD, LLC (8)
* 6,567,791 Method and apparatus for a verifiable on line rejection of an application for credit 180 1998
6,405,181 Method and apparatus for real time on line credit approval 332 1998
6,324,524 Method and apparatus for an account level offer of credit and real time balance transfer 432 1998
8,010,422 On-line balance transfers 22 2001
7,143,063 Method and apparatus for a verifiable on line rejection of an applicant for credit 114 2003
7,505,939 Method and apparatus for a verifiable on line rejection of an applicant for credit 78 2006
* 2007/0027,785 Method and apparatus for a verifiable on line rejection of an applicant for credit 21 2006
7,756,781 Method and apparatus for a verifiable on line rejection of an applicant for credit 7 2007
 
Alternative Financial Solutions LLC (3)
* 7,191,149 Process for seeking authorization for present receipt of legal tender and associated system 16 2000
* 7,555,450 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 7 2005
D561244 Point of sale terminal with advertising panels 5 2005
 
JP MORGAN CHASE (3)
7,814,003 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 48 2005
 
AMEDESA, LTD (2)
8,799,200 Method and system for creating a predictive model for targeting webpage to a surfer 5 2009
8,762,313 Method and system for creating a predictive model for targeting web-page to a surfer 8 2011
 
RiskMetrics Group, Inc. (2)
7,509,279 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 (47)
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 20 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 25 2003
* 2004/0215,553 System and method for facilitating sale of a loan to a secondary market purchaser 10 2003
* 2004/0215,554 System and method for verifying loan data at delivery 66 2003
8,423,450 System and method for processing data pertaining to financial assets 1 2003
7,461,020 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 79 2003
* 2004/0225,597 System and method for processing data pertaining to financial assets 24 2003
* 2004/0220,874 System and method for defining loan products 17 2003
* 2004/0215,555 System and method for creating and tracking agreements for selling loans to a secondary market purchaser 9 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 2 2004
7,657,475 Property investment rating system and method 8 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 3 2005
8,489,498 System and method for processing a loan 7 2005
7,925,579 System and method for processing a loan 10 2005
7,653,592 System and method for processing a loan 59 2005
7,593,893 Computerized systems and methods for facilitating the flow of capital through the housing finance industry 10 2005
7,765,151 Computerized systems and methods for facilitating the flow of capital through the housing finance industry 2 2006
7,747,526 System and method for transferring mortgage loan servicing rights 9 2006
8,515,861 System and method for facilitating sale of a loan to a secondary market purchaser 0 2006
* 2007/0016,520 System and method for facilitating sale of a loan to a secondary market purchaser 24 2006
7,860,787 System and method for modifying attribute data pertaining to financial assets in a data processing system 5 2008
* 2008/0120,211 SYSTEM AND METHOD FOR MODIFYING ATTRIBUTE DATA PERTAINING TO FINANCIAL ASSETS IN A DATA PROCESSING SYSTEM 15 2008
8,065,211 System and method for creating and tracking agreements for selling loans to a secondary market purchaser 0 2008
* 2009/0076,973 SYSTEM AND METHOD FOR CREATING AND TRACKING AGREEMENTS FOR SELLING LOANS TO A SECONDARY MARKET PURCHASER 13 2008
7,813,990 Property investment rating system and method 1 2010
8,032,450 Loan commitment system and method 0 2010
* 2010/0312,684 LOAN COMMITMENT SYSTEM AND METHOD 45 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
* 2010/0268,641 SYSTEM AND METHOD FOR VERIFYING LOAN DATA AT DELIVERY 1 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 3 2010
7,979,346 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
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
 
LIVEPERSON, INC. (16)
8,868,448 Systems and methods to facilitate selling of products and services 8 2001
* 2004/0153,368 Systems and methods to facilitate selling of products and services 31 2001
* 2006/0015,390 System and method for identifying and approaching browsers most likely to transact business based upon real-time data mining 32 2004
8,738,732 System and method for performing follow up based on user interactions 7 2006
* 2007/0061,421 System and method for performing follow up based on user interactions 19 2006
8,805,844 Expert search 6 2010
* 2011/0055,207 Expert Search 29 2010
8,918,465 Authentication of service requests initiated from a social networking site 6 2010
8,943,002 Analytics driven engagement 6 2012
8,805,941 Occasionally-connected computing interface 6 2012
9,350,598 Authentication of service requests using a communications initiation feature 0 2013
9,104,970 Method and system for creating a predictive model for targeting web-page to a surfer 5 2014
9,336,487 Method and system for creating a predictive model for targeting webpage to a surfer 0 2014
9,331,969 Occasionally-connected computing interface 0 2014
9,396,436 Method and system for providing targeted content to a surfer 0 2014
9,396,295 Method and system for creating a predictive model for targeting web-page to a surfer 0 2015
 
United Services Automobile Association (USAA) (1)
* 8,620,797 Systems and methods for streamlined purchasing 0 2007
 
PAYPAL, INC. (14)
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
* 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 10 2004
8,001,040 Computer-implemented method and system for dynamic consumer rating in a transaction 2 2005
7,527,195 Method and system for risk management in a transaction 16 2005
* 2006/0226,216 Method and system for risk management in a transaction 16 2005
* 2006/0149,665 Systems and methods for facilitating lending between two or more parties 69 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
* 2008/0167,956 Method and system for offering a credit product by a credit issuer to a consumer at a point-of sale 8 2007
8,433,648 Method and system for engaging in a transaction between a consumer and a merchant 0 2007
* 2008/0203,153 Method and system for engaging in a transaction between a consumer and a merchant 8 2007
8,719,164 Method and system for engaging in a transaction between a business entity and a merchant 0 2008
8,095,445 Method and system for completing a transaction between a customer and a merchant 1 2010
* 2011/0125,619 METHOD AND SYSTEM FOR COMPLETING A TRANSACTION BETWEEN A CUSTOMER AND A MERCHANT 3 2010
9,412,132 Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale 0 2014
 
INVENTOR HOLDINGS, LLC (1)
7,783,537 Method and apparatus for conditional payment to a seller 4 2000
 
XARAZ PROPERTIES LLC (2)
* 6,501,569 Image transmission apparatus 2 1996
6,819,455 Image transmission apparatus 0 2002
 
EXPERIAN INTERACTIVE INNOVATION CENTER, LLC (3)
8,027,888 Online credit card prescreen systems and methods 2 2006
* 2008/0059,317 ONLINE CREDIT CARD PRESCREEN SYSTEMS AND METHODS 47 2006
8,799,148 Systems and methods of ranking a plurality of credit card offers 0 2007
 
JPMORGAN CHASE BANK, N.A. (287)
7,181,427 Automated credit application system 128 1997
6,505,168 System and method for gathering and standardizing customer purchase information for target marketing 150 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 7 2000
7,805,365 Automated statement presentation, adjustment and payment system and method therefor 23 2000
7,212,996 System and method for dynamic, multivariable comparison of financial products 14 2000
7,062,462 On-line higher education financing system 8 2000
7,370,004 Personalized interactive network architecture 66 2000
7,068,832 Lockbox imaging system 48 2000
7,574,400 Financing information processing system and method 4 2000
6,867,789 System and method for generating graphical user interfaces 32 2000
8,015,084 System and method for linked account having sweep feature 3 2000
7,542,921 Network-based financial planning system and method 19 2000
* 7,321,864 System and method for providing funding approval associated with a project based on a document collection 115 2000
7,584,125 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 97 2000
6,631,849 Selectable multi-purpose card 463 2000
7,295,999 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
7,822,656 International banking system and method 10 2001
7,599,879 Syndication loan administration and processing system 29 2001
* 2001/0054,022 Syndication loan administration and processing system 53 2001
8,805,739 System and method for electronic bill pay and presentment 0 2001
* 2004/0158,522 System and method for electronic bill pay and presentment 18 2001
7,472,088 System and method for offering a financial product 52 2001
* 2002/0147,669 System and method for offering a financial product 34 2001
7,580,890 System and method for supervising account management operations 5 2001
* 2002/0046,049 System and method for supervising account management operations 6 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 11 2001
7,512,566 System and method for using a stored value account having subaccount feature 11 2001
7,987,501 System and method for single session sign-on 2 2001
* 2003/0105,981 System and method for single session sign-on 112 2001
7,546,272 Trade receivable processing method and apparatus 28 2002
7,895,098 System and method for measuring and utilizing pooling analytics 37 2002
* 2002/0178,098 System and method for measuring and utilizing pooling analytics 58 2002
7,689,482 System and method for payer (buyer) defined electronic invoice exchange 37 2002
7,519,560 System and method for electronic authorization of batch checks 38 2002
7,437,327 Method and system for buyer centric dispute resolution in electronic payment system 51 2002
* 2003/0220,858 Method and system for collaborative vendor reconciliation 44 2002
* 2003/0220,863 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms 30 2002
* 2003/0220,843 Method and system for buyer centric dispute resolution in electronic payment system 10 2002
7,401,048 System and method for trade settlement tracking and relative ranking 74 2002
* 2003/0046,219 System and method for trade settlement tracking and relative ranking 0 2002
7,536,354 Methods for electronic multiparty accounts receivable and accounts payable systems 107 2002
7,587,363 System and method for optimized funding of electronic transactions 128 2002
7,809,641 System and method for funding a collective account 13 2002
* 2003/0028,483 System and method for funding a collective account 66 2002
7,860,789 Multiple account advanced payment card and method of routing card transactions 14 2002
7,165,049 Sponsor funded stored value card 106 2002
* 2003/0055,782 Sponsor funded stored value card 39 2002
8,301,493 System and method for providing incentives to consumers to share information 1 2002
7,801,816 System and method for currency selectable stored value instrument 2 2003
7,627,521 System and method for processing mircotransactions 8 2003
7,428,531 Customer information management system and method 8 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 31 2003
* 2003/0172,017 High performance multi-dimensional risk engines for enterprise wide market risk management 57 2003
8,751,391 System and process for performing purchase transactions using tokens 3 2003
7,899,753 Systems and methods for time variable financial authentication 7 2003
7,676,425 Method and system for providing flexible financing 24 2003
* 2004/0148,566 Method to evaluate project viability 7 2003
8,306,907 System and method for offering risk-based interest rates in a credit instrument 2 2003
7,606,756 Synthetic funds having structured notes 0 2003
* 2004/0024,671 Synthetic funds having structured notes 20 2003
* 2004/0148,241 Method of evaluating a portfolio of leased items 6 2003
7,953,663 System and method for financial instrument pre-qualification and offering 7 2003
7,809,595 System and method for managing risks associated with outside service providers 11 2003
8,239,323 Method and system for distribution of unactivated bank account cards 1 2003
* 2005/0065,877 Method and system for distribution of unactivated bank account cards 53 2003
7,130,828 Debit purchasing of stored value card for use by and/or delivery to others 53 2003
* 2005/0060,252 Graphical software tool for modeling financial products 35 2003
* 2010/0287,092 Method and system for real estate loan administration 4 2004
8,630,947 Method and system for providing electronic bill payment and presentment 14 2004
* 2005/0273,347 Method and system for processing payment items at a central processor 19 2004
8,429,006 System and method for offer targeting 0 2004
7,467,106 System and method for offer management 7 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
* 2005/0097,036 System and method for providing instant-decision, financial network-based payment cards 15 2004
7,392,222 System and method for providing promotional pricing 110 2004
7,613,656 Coupon payment system 2 2004
* 2005/0038,743 Coupon payment system 10 2004
7,707,111 Customer activated multi-value (CAM) card 34 2004
7,624,068 Method and system for dynamically adjusting discount rates for a card transaction 20 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 13 2004
7,349,866 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 17 2004
* 2006/0089,891 System and method for generating expense information 5 2004
7,363,273 Debit purchasing of stored value card for use by and/or delivery to others 24 2004
7,174,314 Debit purchasing of stored value card for use by and/or delivery to others 25 2004
7,174,315 Debit purchasing of stored value card for use by and/or deliveries to others 66 2004
7,174,316 Debit purchasing of stored value card for use by and/or delivery to others 26 2004
7,174,317 Debit purchasing of stored value card for use by and/or delivery to others 48 2004
7,171,388 Debit purchasing of stored value card for use by and/or delivery to others 24 2004
7,480,631 System and method for detecting and processing fraud and credit abuse 28 2004
7,191,952 Selectable multi-purpose card 108 2004
* 2011/0161,958 Method and system for managing business calculations using multi-dimensional data 0 2005
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 6 2005
* 2006/0177,118 Method and system for extracting information from documents by document segregation 9 2005
8,630,898 Stored value card provided with merchandise as rebate 0 2005
* 2006/0149,664 Marketing system and method 11 2005
7,380,707 Method and system for credit card reimbursements for health care transactions 97 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 37 2005
* 2010/0121,743 System and method for generating dividend information 0 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
* 2006/0026,019 System and method for measuring communication-system infrastructure usage 7 2005
7,360,686 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 3 2005
7,660,763 Customer activated multi-value (CAM) card 20 2005
7,263,507 Customer activated multi-value (CAM) card 52 2005
8,121,944 Method and system for facilitating network transaction processing 73 2005
* 2006/0212,391 Method and system for facilitating network transaction processing 53 2005
7,676,409 Method and system for emulating a private label over an open network 49 2005
7,822,684 Personalized bank teller machine 9 2005
7,401,731 Method and system for implementing a card product with multiple customized relationships 93 2005
7,831,509 On-line higher education financing system 0 2005
7,925,578 Systems and methods for performing scoring optimization 4 2005
7,373,304 System and method for integrated customer management 6 2005
7,269,567 System and method for integrated customer management 4 2005
7,756,816 System and method for network-based project management 2 2005
7,610,231 Synthetic funds having structured notes 0 2005
* 2006/0059,074 Synthetic funds having structured notes 23 2005
* 2006/0106,703 System and method for aggregate portfolio client support 74 2005
8,290,863 Method and system for expediting payment delivery 1 2005
* 2007/0055,625 Method and system for expediting payment delivery 7 2005
7,801,799 Customer activated multi-value (CAM) card 5 2005
* 2007/0027,799 Universal line of credit having multiple financial product features 22 2005
8,719,085 System and method for administering a brokerage rebate card program 0 2006
7,941,355 Universal payment protection 5 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 5 2006
7,591,416 Selectable multi-purpose card 59 2006
* 2006/0131,396 Selectable Multi-Purpose Card 16 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 29 2006
7,306,141 System and method for funding a collective account by use of an electronic tag 29 2006
7,784,682 System and method for granting promotional rewards to both customers and non-customers 4 2006
7,822,682 System and method for enhancing supply chain transactions 47 2006
* 2007/0192,216 System and method for enhancing supply chain transactions 12 2006
7,260,549 Method and system for managing risk 31 2006
* 2006/0277,083 Method and system for managing risk 2 2006
8,781,905 System and method for transponder-enabled account transactions 0 2006
7,707,192 Confidence index for assets 6 2006
7,505,918 Method and system for managing risks 5 2006
7,317,823 Lockbox imaging system 76 2006
* 2006/0259,364 System and method for granting promotional rewards to credit account holders 112 2006
7,360,693 System and method for a card benefit program providing benefits to program members based on program performance 39 2006
7,753,259 System and method for granting promotional rewards to both customers and non-customers 43 2006
7,406,426 System and method for integrated customer management 8 2006
7,660,764 Service charge adjustment platform 1 2006
7,801,814 System and method for selectable funding of electronic transactions 15 2006
* 2007/0061,254 Systems and methods for opening, funding, and managing financial accounts 7 2006
7,734,545 Method and system for processing recurring payments 39 2006
8,301,529 Method and system for implementing effective governance of transactions between trading partners 1 2006
7,357,331 Selectable multi-purpose card 57 2006
* 2007/0063,025 SELECTABLE MULTI-PURPOSE CARD 23 2006
8,468,071 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
7,366,698 Trade receivable processing method and apparatus 7 2006
7,966,496 System and method for single sign on process for websites with multiple applications and services 9 2006
8,296,160 System and method for integrated customer management 2 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
* 2007/0124,240 On-Line Higher Education Financing System 3 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 6 2007
* 2007/0244,816 SYSTEMS AND METHODS FOR OPENING, FUNDING, AND/OR USING A FINANCIAL ACCOUNT, SUCH AS A CHECKING ACCOUNT 6 2007
7,467,109 System and method for determining eligibility and enrolling members in various programs 10 2007
7,805,368 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 8 2007
* 2007/0228,144 PROCESSING TRANSACTIONS USING A REGISTER PORTION TO TRACK TRANSACTIONS 11 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 5 2007
* 2008/0177,659 SYSTEMS AND METHODS FOR PROVIDING FINANCIAL PROCESSING IN CONJUNCTION WITH INSTANT MESSAGING AND OTHER COMMUNICATIONS 84 2007
8,768,836 System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image 1 2007
* 2008/0027,861 SYSTEM AND METHOD FOR AUTOMATIC FINANCIAL PROJECT MANAGEMENT 9 2007
7,916,925 System and method for generating magnetic ink character recognition (MICR) testing documents 1 2007
8,849,716 System and method for preventing identity theft or misuse by restricting access 0 2007
8,800,857 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 14 2007
8,417,601 Variable rate payment card 0 2007
7,471,818 Lockbox imaging system 54 2007
8,118,216 Method and system for discovering significant subsets in collection of documents 8 2007
8,033,451 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
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 35 2007
* 2008/0059,373 Debit Purchasing of Stored Value Card For Use By And/Or Delivery To Others 7 2007
7,949,574 Personalized interactive network architecture 7 2007
* 2008/0077,462 Personalized interactive network architecture 21 2007
7,766,244 System and method for processing transactions using a multi-account transactions device 43 2007
8,676,642 System and method for granting promotional rewards to financial account holders 2 2008
7,707,089 Method and system for automating fraud authorization strategies 13 2008
8,478,637 Index for assessing discount potential 0 2008
7,747,463 Debit purchasing of stored value card for use by and/or delivery to others 29 2008
8,788,281 System and method for processing qualified healthcare account related financial transactions 0 2008
7,743,979 Method and system for credit card reimbursements for health care transactions 38 2008
7,660,765 System and method for processing microtransactions 6 2008
8,762,270 System and method for providing supplemental payment or transaction information 0 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 21 2008
8,245,909 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 45 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 43 2008
* 2009/0060,314 LOCKBOX IMAGING SYSTEM 6 2008
8,590,008 System and method for single sign on process for websites with multiple applications and services 2 2008
D602522 Transaction device 57 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
9,240,089 Systems and methods for time variable financial authentication 0 2009
* 2009/0271,853 SYSTEMS AND METHODS FOR TIME VARIABLE FINANCIAL AUTHENTICATION 24 2009
* 2009/0261,161 SELECTABLE MULTI-PURPOSE CARD 35 2009
8,200,574 Financing information processing system and method 0 2009
* 2010/0017,319 Financing Information Processing System and Method 0 2009
7,926,711 System and method for granting promotional rewards to both customers and non-customers 10 2009
8,459,562 System and method for processing transactions using a multi-account transactions device 3 2009
8,065,231 Trade receivable processing method and apparatus 1 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 7 2009
* 2010/0070,359 METHOD AND SYSTEM FOR DYNAMICALLY ADJUSTING DISCOUNT RATES FOR A CARD TRANSACTION 6 2009
8,160,960 System and method for rapid updating of credit information 17 2009
8,386,381 Method and system for detecting, monitoring and addressing data compromises 6 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
* 2010/0121,762 System and Method for Card Processing with Automated Payment of Club, Merchant, and Service Provider Fees 0 2010
8,045,784 Lockbox imaging system 35 2010
8,170,936 Method and system for emulating a private label over an open network 1 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 8 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 2 2010
* 2010/0332,388 Personalized Bank Teller Machine 12 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
* 2011/0004,554 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
8,782,076 System and method for gathering and standardizing customer purchase information for target marketing 0 2010
* 2011/0035,407 System and Method for Gathering and Standardizing Customer Purchase Information for Target Marketing 0 2010
8,554,631 Method and system for determining point of sale authorization 3 2010
* 2011/0087,527 Personalized Bank Teller Machine 0 2010
8,517,258 System and method for granting promotional rewards to both customers and non-customers 5 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 3 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 12 2011
8,244,625 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms 0 2011
8,707,410 System and method for single session sign-on 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 14 2012
8,577,770 System and method for measuring and utilizing pooling analytics 0 2012
8,762,260 Systems and methods for performing scoring optimization 0 2012
8,639,017 Method and system for duplicate check detection 0 2012
9,020,850 Method and system for implementing effective governance of transactions between trading partners 0 2012
8,924,289 International banking system and method 0 2013
D693984 Drive-up financial transaction machine 5 2013
9,092,447 Method and system for duplicate detection 0 2013
8,533,086 Variable rate payment card 0 2013
D690074 Financial transaction machine 6 2013
8,719,078 Index for assessing discount potential 0 2013
8,752,759 Method and system for implementing a card product with multiple customized relationships 1 2013
9,111,278 Method and system for determining point of sale authorization 0 2013
9,058,626 System and method for financial services device usage 0 2013
8,925,802 Method and system for implementing a card product with multiple customized relationships 0 2014
 
EVERBANK (FINANCIAL CORP.) FORMERLY BANK OF FLORIDA, TAMPA BAY (1)
* 2004/0230,521 Method and apparatus for worker compensation and task performance reporting in a mortgage loan transaction system 25 2004
 
AMEDESA, INC. (1)
8,954,539 Method and system for providing targeted content to a surfer 4 2012
 
CYBERFONE SYSTEMS, LLC (4)
* 7,778,395 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
* 8,019,060 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 6 2007
 
Weber & Associates, Inc. (2)
* 8,660,918 Virtual financial aid office 0 2001
* 2003/0093,346 Virtual financial aid office 5 2001
 
TEXTURA CORPORATION (23)
* 2005/0289,051 Construction payment management system and method 42 2005
* 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
7,797,210 Construction payment management system and method with graphical user interface features 3 2006
* 2006/0271,397 Construction payment management system and method with automatic workflow management features 12 2006
7,925,584 Construction payment management system and method with document tracking features 3 2006
* 2007/0078,771 Construction payment management system and method with document tracking features 24 2006
7,734,546 Construction payment management system and method with hierarchical invoicing and direct payment features 2 2007
7,725,384 Construction payment management system and method with one-time registration features 1 2007
7,672,888 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 3 2007
7,490,064 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 6 2007
7,983,972 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
7,818,250 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 2 2007
* 2008/0040,264 Construction payment management system and method with actionable notification features 6 2007
8,306,883 Construction payment management systems and methods with specified billing features 1 2008
7,899,739 Construction payment management system and method with real-time draw notification features 3 2009
9,355,417 Construction payment management system and method with draw notification features 0 2012
9,336,542 Construction payment management system and method with automatic notification workflow features 0 2012
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (1)
8,001,043 Method, apparatus, and program for customizing credit accounts 7 2000
 
LEADPOINT, INC. (7)
7,970,690 System for implementing automated open market auctioning of leads 15 2005
* 2006/0041,500 System for implementing automated open market auctioning of leads 31 2005
* 2006/0155,642 Ranking system using instant post-transaction surveying of transaction judges 5 2006
8,571,951 Automated attachment of segmentation data to hot contact leads for facilitating matching of leads to interested lead buyers 5 2006
* 2006/0265,259 Automated attachment of segmentation data to hot contact leads for facilitating matching of leads to interested lead buyers 59 2006
* 2011/0099,081 System for Automated Trading of Informational Items and Having Integrated Ask-and-Post Features 2 2011
8,805,734 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 (9)
7,752,132 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities 6 2002
* 2002/0120,846 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities 168 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 16 2007
* 2008/0091,530 Methods and systems for providing cross-selling with online banking environments 12 2007
* 2008/0091,593 Methods and systems for opening and funding a financial account online 10 2007
8,060,441 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities 2 2010
* 2010/0318,460 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
 
Charles Schwab & Co., Inc. (2)
6,968,317 Method and apparatus for new accounts program 25 2000
7,778,902 Method and apparatus for a new accounts program 1 2005
 
STANDARD CHARTERED UK HOLDINGS LIMITED (4)
7,480,633 Real-time brokerage account application system and method 3 2001
* 2002/0156,720 Real-time brokerage account application system and method 21 2001
7,593,892 Financial institution portal system and method 14 2005
* 2006/0089,894 FINANCIAL INSTITUTION PORTAL SYSTEM AND METHOD 30 2005
 
GENERAL ELECTRIC COMPANY (1)
* 2007/0073,612 Method, system, and computer program product for providing credit services 3 2005
 
ONEEMPOWER PTE LTD (2)
* 9,286,603 Activity management method 0 2002
* 2003/0163,427 Activity management method 13 2002
 
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)
* 7,139,731 Multi-level fraud check with dynamic feedback for internet business transaction processor 107 1999
 
DEALERTRACK, INC. (5)
6,208,979 Computer-driven information management system for selectively matching credit applicants with money lenders through a global communications network 178 1999
* 2003/0139,990 Method, apparatus and system for control and assessment of risk in commercial transactions 37 2002
* 2004/0138,997 Automated credit application system 7 2003
* 9,378,525 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 24 2004
 
METABANK (22)
8,818,887 Computer-implemented methods, program product, and system for micro-loan product management 0 2008
8,788,414 Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account 1 2008
8,589,295 Transfer account systems, computer program products, and associated computer-implemented methods 6 2008
8,583,515 Transfer account systems, computer program products, and associated computer-implemented methods 2 2008
* 2009/0228,307 Person-To-Person Lending Program Product, System, And Associated Computer-Implemented Methods 44 2009
8,738,451 System, program product, and method for debit card and checking account autodraw 0 2009
8,538,879 System, program product, and computer-implemented method for loading a loan on an existing pre-paid card 6 2009
8,494,960 System, program product, and computer-implemented method for loading a loan on a pre-paid card 6 2009
8,403,211 System, program product and methods for retail activation and reload associated with partial authorization transactions 14 2009
8,371,502 Shopping center gift card offer fulfillment machine, program product, and associated methods 9 2009
9,213,965 Machine, methods, and program product for electronic inventory tracking 0 2009
8,744,915 System, program product, and method for debit card and checking account autodraw 0 2010
8,341,021 System, program product, and method for debit card and checking account autodraw 7 2010
8,452,662 System, program product, and associated methods to autodraw for micro-credit attached to prepaid card 1 2011
8,392,299 Transfer account systems, computer program products, and associated computer-implemented methods 7 2011
8,392,330 Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account 7 2011
8,386,375 System, method, and program product for foreign currency travel account 6 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 8 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 6 2012
8,666,886 System, program product, and method for debit card and checking account autodraw 0 2012
9,251,511 Transfer account systems, computer program products, and associated computer-implemented methods 0 2013
 
LIVECAPITAL, INC. (1)
8,370,253 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)
7,356,503 ASP business decision engine 10 2001
7,734,522 ASP business decision engine 3 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 8 2004
 
Mae, Fannie (2)
6,988,082 Computerized systems and methods for facilitating the flow of capital through the housing finance industry 53 2002
7,809,633 System and method for pricing loans in the secondary mortgage market 1 2003
 
RELIANCE DATA, L.P. (1)
* 6,154,729 Method of reporting merchant information to banks 36 1998
 
Metareward, Inc. (1)
7,970,672 Real-time marketing of credit-based goods or services 3 2005
 
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 12 2005
 
ABOUTYOURMORTGAGE, LLC (2)
8,660,939 Method for mortgage customer retention 0 2001
* 2001/0044,772 Method for mortgage customer retention 27 2001
 
RPX CORPORATION (2)
6,738,740 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 9 2000
 
F. POSZAT HU, L.L.C. (1)
6,988,085 System and method for real-time electronic inquiry, delivery, and reporting of credit information 87 1999
 
CATERPILLAR INC. (1)
* 2003/0216,995 Automated financial system and method 13 2003
 
EWINWIN, INC. (41)
7,818,212 Multiple criteria buying and selling model 47 1999
7,693,748 Method and system for configuring a set of information including a price and volume schedule for a product 65 2003
7,689,463 Multiple supplier system and method for transacting business 49 2003
7,593,871 Multiple price curves and attributes 58 2005
7,689,469 E-commerce volume pricing 59 2006
7,747,473 Demand aggregation system 48 2006
8,590,785 Discounts in a mobile device 7 2007
7,815,114 Dynamic discount card tied to price curves and group discounts 40 2008
8,140,405 Grouping orders across multiple forums 31 2009
8,219,460 Method and computer medium for facilitating a buyer-initiated feature within a business transaction 28 2010
8,972,287 Multiple criteria buying and selling model 0 2010
8,140,402 Social pricing 39 2010
8,695,877 Dynamic discount device 5 2010
8,196,811 Multiple criteria buying and selling model 28 2010
* 2011/0016,010 MULTIPLE CRITERIA BUYING AND SELLING MODEL 29 2010
8,533,002 DAS predictive modeling and reporting function 10 2011
* 2011/0213,648 e-COMMERCE VOLUME PRICING 32 2011
8,732,018 Real-time offers and dynamic price adjustments presented to mobile devices 0 2011
8,706,564 Methods for dynamic discounting 0 2011
8,306,870 Order aggregation and merchant ranking 10 2011
8,311,896 Multiple criteria buying and selling model 18 2011
8,285,600 Multiple criteria buying and selling model 10 2011
8,567,672 Location based discounts 10 2011
8,341,035 Deal matching system 17 2011
8,271,332 DAS predictive modeling and reporting function 22 2011
8,584,940 Location based discounts 8 2012
8,249,942 Methods for discounting goods and services 22 2012
8,285,598 Promoting offers through social network influencers 23 2012
8,438,075 Method and computer medium for facilitating a buyer-initiated feature within a business transaction 17 2012
8,589,247 Presenting mobile offers to members of a social network 11 2012
8,401,918 Promoting offers through social network influencers 18 2012
8,494,914 Promoting offers through social network influencers 16 2012
8,494,915 Method and computer medium for tracking social interactions and targeting offers 10 2012
8,620,765 Promoting offers through social network influencers 6 2012
8,573,492 Presenting offers to a mobile device associated with information displayed on a television 6 2012
8,616,449 Mobile device search mechanism 7 2012
8,738,462 Systems and methods for searchable time-based offers 0 2012
8,775,269 Method and system for a hand-held device initiated search, purchase and delivery 0 2013
8,635,108 Presenting offers to users of wireless devices 6 2013
8,626,605 Multiple criteria buying and selling model 6 2013
8,856,015 Presenting offers to users of wireless devices 0 2013
* Cited By Examiner