Computer implemented automated credit application analysis and decision routing system

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 7801807
APP PUB NO 20040078320A1
SERIAL NO

10441534

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A credit application and routing system includes a central processor having and executing a program. The system includes data input capabilities for selectively receiving credit application data from respective applicants at remote locations, and routing capabilities for selectively forwarding the credit application data to remote funding sources and selectively forwarding funding decision data from the funding sources to the respective applicants. The computer program includes routines for receiving a credit application from at least one remote application input and display device, for selectively forwarding a received credit application to at least one finding source, for receiving a finding decision from the at least one finding source, and for forwarding a received funding decision to the at least one remote application input and display device. The system can also obtain credit report data from credit bureaus, and analyze and summarize the credit report data. A computer readable storage medium has a substrate physically configured to represent the computer program which causes a computer to provide the credit application and routing system.

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Patent Owner(s)

  • DEALERTRACK, INC.;FIRST AMERICAN CMSI

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Agrawal, Arvind K Columbia, US 4 1206
DeFrancesco, James R Columbia, US 7 1634
Freiman, Scott L Bethesda, US 8 1818

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