[go: up one dir, main page]

WO2001065398A2 - Systeme de planification et de gestion financiere - Google Patents

Systeme de planification et de gestion financiere Download PDF

Info

Publication number
WO2001065398A2
WO2001065398A2 PCT/US2001/006350 US0106350W WO0165398A2 WO 2001065398 A2 WO2001065398 A2 WO 2001065398A2 US 0106350 W US0106350 W US 0106350W WO 0165398 A2 WO0165398 A2 WO 0165398A2
Authority
WO
WIPO (PCT)
Prior art keywords
credit
information
financial
credit facility
consumer
Prior art date
Application number
PCT/US2001/006350
Other languages
English (en)
Inventor
David B. Coulter
Robert W. Tarr
Original Assignee
Junum.Com, Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Junum.Com, Inc. filed Critical Junum.Com, Inc.
Priority to AU2001239927A priority Critical patent/AU2001239927A1/en
Publication of WO2001065398A2 publication Critical patent/WO2001065398A2/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • the present invention relates generally to financial management and planning services offered over a global computer network, and more particularly, the present invention relates to a financial planning system whereby a consumer can receive credit maintenance services and can also apply for or be provided pre-qualification and/or pre- approval of and then receive a wide variety of financial services through local, regional, national, and global partnered financial institutions, all over a global computer network.
  • Credit scoring is a system creditors use to help determine whether to give credit. Information about consumers and their credit experiences, such as bill-paying history, the number and type of accounts, late payments, collection actions, outstanding debt, and the age of accounts, is collected from credit applications and credit reports. Using a statistical program, creditors compare this information to the credit performance of consumers with similar profiles. A credit scoring system awards points for each factor that helps predict who is most likely to repay a debt.
  • a total number of points ⁇ a credit score ⁇ helps predict how creditworthy an applicant is, that is, how likely it is that the applicant will repay a loan and make the payments when due.
  • Credit scoring is based on real data and statistics, so it usually is more reliable than subjective or judgmental methods. It treats all applicants objectively. Judgmental methods typically rely on criteria that are not systematically tested and can vary when applied by different individuals. To develop a model, a creditor selects a random sample of its customers, or a sample of similar customers if their sample is not large enough, and analyzes it statistically to identify characteristics that relate to creditworthiness. Then, each of these factors is assigned a weight based on how strong a predictor it is of who would be a good credit risk.
  • Each creditor may use its own credit scoring model, different scoring models for different types of credit, or a generic model developed by a credit scoring company.
  • a credit scoring system may not use certain characteristics like race, sex, marital status, national origin, or religion as factors.
  • creditors are allowed to use age in properly designed scoring systems. But any scoring system that includes age must give equal treatment to elderly applicants.
  • Credit scoring models are complex and often vary among creditors and for different types of credit. If one factor changes, a consumer's score may change, but improvement generally depends on how that factor relates to other factors considered by the model. Only the creditor can explain what might improve a score under the particular model used to evaluate a credit application.
  • scoring models generally evaluate the following types of information in an applicant's credit report: • Payment of bills on time: Payment history typically is a significant factor. It is likely that a credit score will be affected negatively if a consumer has paid bills late, had an account referred to collections, or declared bankruptcy, if that history is reflected on the credit report.
  • Amount of outstanding debt Many scoring models evaluate the amount of debt the consumer has compared to his credit limits. If the amount owed is close to the credit limit, that is likely to have a negative effect on the score.
  • Length of credit history Generally, models consider the length of a consumer's credit track record. An insufficient credit history may have an effect on a score, but that can be offset by other factors, such as timely payments and low balances.
  • Recent credit activity Many scoring models consider whether a consumer has applied for credit recently by looking at "inquiries” on the credit report when the consumer applies for credit. If a consumer has applied for too many new accounts recently, that may negatively affect the score. However, not all inquiries are counted, inquiries by creditors who are monitoring an account or looking at credit reports to make "prescreened” credit offers are not counted.
  • Scoring models may be based on more than just information in the credit report. For example, the model may consider information from a credit application as well as from the applicant's occupation, length of employment, or whether the applicant owns a home. Federal Trade Commission, "Credit Scoring", August 1998, available at "http://www.ftc.gov/bcp/conline/pubs/credit/scoring.htm", accessed February 27, 2000.
  • institutions which actually approve higher-risk applicants for financial services are generally not able to track improvements to such applicants' credit histories, improvements to which would enable the institution to enjoy repeat business from the customers, such as mortgage refinancing and the like.
  • the '403 patent describes a system for receiving, routing and reporting on credit applications, primarily directed towards automobile dealerships applying to funding sources on behalf of their customers.
  • a dealership collects information on the customer, including a credit report from one or more bureau, and then applies to funding sources "shotgun" style or one at a time. The result is then forwarded to the dealership for analysis.
  • the '811 patent describes a method and apparatus for processing financial transactions automatically, including loans, applications for ciedit, establishment of accounts and other transactions that would normally take place at a bank. This invention is directed primarily to closed loop financial transactions.
  • the '411 patent describes a method and system for placing an order to purchase an item via the Internet. More specifically, the '411 patent is directed towards a purchasing system whereby items can be ordered without the use of a "shopping cart" and without re-entering consumer data already on file.
  • the '442 patent describes a system for delivering financial services to customers of various financial institutions. This invention enables customers of banks, stock brokerages, credit card companies and insurance companies to access their up to date account information at their convenience.
  • the invention described in the '403 patent is geared primarily towards automobile dealerships, and possibly other similar businesses. Further, an application process has to be initiated by the dealership; an applicant is not automatically approved for financial services regardless of whether an application was filed. The invention of the '403 patent also only matches the applicant with services from the first institution that is willing to provide them; there is no "shopping" for the best terms available.
  • the invention of the '811 patent is comprised primarily of an isolated kiosk type device which is limited in its ability to apply to multiple financial institutions. In addition, this device cannot be used at a home or an office. All transactions must take place at the locus of the kiosk.
  • the invention described in the '442 patent operates on a oneway only premise. For example, a consumer can derive information about her account with a financial institution, but the invention does not allow the customer to apply for any financial services. A consumer must still manually apply to the financial institution for services in order to receive an account that could be used with the invention of the '442 patent.
  • the present invention solves significant problems in the art by providing a computer-implemented system utilizing a global communications network to provide a financial management and planning system.
  • the present invention provides a computer-implemented system utilizing a global communications network to provide a financial management and planning system which provides credit maintenance services, an individually-tailored information account, an international credit scoring system, a simplified financial service application process, means for business partners to recapture lost consumers, and means for analyzing periodically a consumer's credit qualifications and alerting the consumer to new financial services being offered as a result of improved credit qualifications.
  • the present invention provides a computer-implemented method for managing and planning a member's finances, comprising receiving a member's personal and financial information; updating the member's financial information to reflect changes in the member's credit score; storing the member's personal and financial information such that the information may be utilized by the member in preparing forms upon which the information, in whole or in part, is required in order for the member to seek at least one credit facility; processing the forms; comparing the member's financial information to credit facility approval information provided by at least one credit facility provider; offering at least one credit facility to the member when the member's financial information qualifies the member for the credit facility; advising the member when he qualifies for the credit facility; and advising the credit facility provider that the member, if the member previously did not qualify for a credit facility from the credit facility provider, when the member's financial information qualifies the member for a credit facility from the credit facility provider.
  • FIG. 1 is a block diagram of a preferred embodiment of the overall business model according to the present invention.
  • FIG. 2 is a schematic view of a preferred embodiment of the one-step processing method and system according to the present invention.
  • FIG. 3 is an illustration of a preferred embodiment of the credit processing procedure according to the present invention.
  • FIG. 4 is a block diagram of a preferred embodiment of the individualized information account according to the present invention.
  • FIG. 5 is a schematic view of a preferred embodiment of the pro-activity pre-qualification process according to the present invention.
  • FIG. 6 is a schematic view of a preferred embodiment of the loan finalization process according to the present invention.
  • FIG. 7 is a schematic view of a preferred embodiment of the credit facility approval analysis according to the present invention.
  • FIG. 8 is a block diagram of a preferred embodiment of the e- business partnership program according to the present invention.
  • FIG. 9 is a block diagram of a preferred embodiment of the international credit scoring system according to the present invention.
  • FIG. 10 is an illustration of types of negatives on a credit report that can be deleted through the credit maintenance program of the present invention.
  • FIG. 11 is a diagrammatic view illustrating the relationship between consumers, credit providers, and the financial planning and management system of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT OF THE PRESENT INVENTION
  • FIG. 1 reflects a number of the programs, goods and services that are offered according to the invention.
  • the initial step of registering 2 members involves gathering vital customer information, through correspondence, voice, global computer network or other communications device, for use in performing financial management and planning services.
  • the system automatically welcomes members via electronic mail and provides basic information about the service provided by the system for financial management and planning.
  • a parcel of individualized, introductory information is then prepared and mailed to the member, some of which is returned (i.e. self addressed, pre-paid envelopes for credit reports) to commence the credit maintenance services 4.
  • These credit maintenance services 4 are detailed more specifically in FIG. 3.
  • the member's credit rating should improve. This improved credit rating will allow the member to qualify for an increasing array of financial services. Therefore, in a preferred embodiment of the invention, the system would begin to search 8 for goods and services available to the member. Such goods and services could include mortgages 12, auto loans 14, student loans & services 16, leases 18, and credit cards 20.
  • the system would provide 10 finance- related services to assist the member in financial growth. For example, the member could take advantage of the on-line bank 22, the information and financial services 24, the e-business partnership program 26, see FIG. 8, and the on-line mall with partnered vendors 28.
  • Information about a member is generally input in three ways: initial information 40 is taken at the registration level 2, update information 42 is supplied by the member on a continuing basis as the member's situation changes, and the credit bureau information 44 is added as it becomes available, about every 15 to 30 days. Information could also be derived from the entity, if any, that referred the member to the registration level 2. This information is then input to the member database 46, which contains all the information available to the system about each member. This information is compiled, stored and associated with the individual member. This information is then retrieved from the member database 46 every time a new application is filed 48.
  • FIG. 3 is generally representative of the credit maintenance method. Initially, cli nt information is obtained 60 from the marketing office. Processor One 62 then orders 64 the client's credit reports. Processor Two 66 logs the credit request 64 and the issuance of a welcome kit 68. Upon receipt 70 of the credit reports, the customer 69 places 72 the reports in a self-addressed, postage-prepaid envelope that was included in the welcome kit and sends 74 them to be processed. The reports are received 80 and then forwarded to Processor Three 82.
  • Processor Three 82 scans the credit reports into digital format and then shreds the reports 84.
  • Processor Four 86 then directs 88 the scanned reports into its proper file on the database 46.
  • the file is returned to Processor Two 90, who logs all deletions 92 of bad credit on the credit report.
  • Processor Five 94 fills out 96 any necessary dispute forms and then passes the forms off to Processor Six 98 who prepares 100 and mails 102 the dispute forms to the Bureaus and the Postmaster.
  • the mailing is done in this manner because credit bureius often will not deal with a credit repair company, therefore this method makes it appear that the mailings originate from the customer's postal address. Referring now to FIG.
  • the individually tailored information account actively notifies 108 the member of any activity in the member's account.
  • This push notification and other various information conveyance could be achieved through the use of an icon on the member's computer desktop, which activates upon successfully logging in to the system.
  • Members can access this account by logging 110 on to a secure website with a user name and password. After a successful logon 110, an individualized webpage will appear 112 on the customer's computer terminal output device.
  • FIG. 1 A block diagram illustrating an exemplary computing environment in accordance with the present disclosure.
  • FIG. 1 A block diagram illustrating an exemplary computing environment in accordance with the present disclosure.
  • FIG. 1 A block diagram illustrating an exemplary computing environment in accordance with the present disclosure.
  • FIG. 1 A block diagram illustrating an exemplary computing environment in accordance with the present disclosure.
  • FIG. 1 A block diagram illustrating an exemplary computing environment in accordance with the present disclosure.
  • FIG. 1 A block diagram illustrating an exemplary computing environment in accordance with the present disclosure.
  • FIG. 1 A block diagram illustrating an exemplary computing environment in accordance with the present disclosure.
  • FIG. 1 A block diagram illustrating an exemplary computing environment in accordance with the present disclosure.
  • FIG. 1 A block diagram illustrating an exemplary computing environment in accordance with the present disclosure.
  • FIG. 1 A block diagram illustrating an exemplary computing environment in accordance with the present disclosure.
  • FIG. 1 A block diagram illustrating an exemplary computing environment in accordance with the present disclosure.
  • the individualized information account would notify members of current approvals 138 for every credit facility offered by the invention, provided the members profile from the database 46 allows for a pre-qualification through actual approval.
  • the individualized information account also has the capability to include an activity log 140 that shows the member, item by item, the activity that has taken place pertaining to the member's account (e.g. a payment received).
  • FIG. 5 illustrates how the system performs daily analysis of a member's account to determine approvals with various financial institutions for any number of credit facilities.
  • the system begins its nightly process 142 of scanning 144 the member database 46 for a member participating in the pre-qualification program. A member is either found or not found 146 to be participating in the pre- qualification program. If a member is not found 148 the process is terminated. If a member is found 150, the member's profile from the database 46 is compared 150 to the lender qualifications 152 stored by the database 46. The comparison 150 uses member financial information provided by the member 154, calculated FICO scores 156, and/or FICO related scores and/or any supplemental calculated score(s) 158.
  • the loan finalization process is initiated in possibly two ways.
  • the member can initiate 180 a request for a loan, or the proactive pre-qualification process FIG. 5 can indicate 182 to the member which loans are available to the member.
  • the member reviews 184 the list of loans for which he/she qualifies.
  • a choice 186 is then made by the member to pursue 190 or not to pursue 188 a loan. If the member does not pursue 188 a loan, then the process ends there. If the member does decide to apply for a loan 190, then additional information is obtained as required by the type of loan sought.
  • the system then scans 192 for lenders that will accept a loan application based upon the information provided by the member.
  • the member chooses 194 among the acceptances the desired lending institution. If the member decides not to choose a lender 196, then no action is taken and no credit check is done. If the member chooses a lender then the lender is notified and the member's information is forwarded 198 to the lender for processing electronically, the lender may or may not choose to have sent to them the credit reports on file in the database 46. This concludes the loan finalization process 200.
  • the credit facility approval analysis is represented by FIG. 7.
  • FIG. 8 illustrates the e-business partnership program.
  • a customer goes to a car dealership for example, and applies for financing in order to make the automobile purchase. If the customer is denied credit 240, the dealership refers the customer to the registration process 2, if the customer is not already a member. This customer receives a reference number regardless of whether he/she is already a member 242. Assuming the denied customer becomes a member, the customer then enters this reference number into the member database 46. This reference number serves as an authorization for the dealership to access the member's information for the purposes of monitoring 246 the improvement in the member's credit file.
  • the dealer uses 248 it own marketing devices to entice the customer into reapplying for financing. This arrangement could be used for any type of business that would deny credit to a potential customer based upon certain qualifying factors.
  • ICSS international credit scoring system
  • FIG. 9 Various factors of the international credit scoring system (ICSS) are represented in FIG. 9. After registration 2, information should be available to calculate the ICSS score 258. Factors such as credit ratings from foreign countries 260, cash assets 262, other assets 264, employment status 266, reason for stay? 268, income 270, brokerage accounts 272, home equity 274 and long term securities and deposits 276 are used for the tabulation of the score 258.
  • ICSS international credit scoring system
  • late payments 300 can be disputed 4; collection accounts 302 can be disputed 4 and negotiated 6; judgments 304 can be disputed 4 and negotiated 6; tax liens 306 can be disputed 4 and negotiated 6; bankruptcies 308 can be disputed 4; and inquiries 310 can be disputed 4.
  • the system includes an Intranet 600 for internal processing of consumers or members 510, an Extranet 800 for dealing directly with lenders or creditors 520 and businesses offering wares or services involving financial applications 530, and a central database 46 for maintaining information related to all parties which have the opportunity to access the system 500 of the present invention through a global communications network 550.
  • the Intranet 600 of the system 500 incorporates the functions of marketing to potential new customers 516 and enrolling such new customers 515.
  • a consumer 510 registers with the system 500 while connected to a global communications network 550 or alternatively while engaged in a voice communication session with a customer service representative. The consumer's membership fee is paid via credit card, which charges are verified 516 over a global communications network 550. If a new member 510 does not have an existing credit card, banks affiliated with the system 500 are available to issue secured credit cards 518 to new members, which issuance of new cards helps the new members establish and/or improve their credit scores.
  • the system 500 automatically welcomes consumers 510 via electronic mail and provides basic information about the service provided by the system and method for financial management and planning. A parcel of individualized, introductory information is then prepared and mailed to the consumer, including a power of attorney authorizing the system to act on the consumer's behalf with the credit bureaus. Because of the intricacies currently involved in the acquisition of credit reports from the bureaus, the consumer obtains an official copy of his credit report from one of the bureaus and transmits same to the system. Once the credit report is received and processed within the system 620, the system takes the steps necessary to eliminate negative and/or erroneous references from the member's credit report, see FIG. 3.
  • Information about the consumer is gathered from not only the enrollment process, but also from any possible referral of the consumer.
  • the important static information is retrieved at various points of activity within the system 500 and primarily at the point of registration.
  • This information is compiled, stored and associated with the individual consumer in the system's central database 46, with information specifically associated with credit applications stored in an approval analysis database 705.
  • the system puts into place a process by which it updates the member's credit history on a periodic basis, preferably every 15 to 30 days 519, in order that the member is in position to qualify for additional credit facilities from participating lenders and businesses as his credit scores improve.
  • a member 510 will not have to input the basic personal and financial information more than once, saving time and aggravation for the consumer. Under the system 500 of the present invention, this information may be retrieved and utilized whenever the member 510 wishes to apply for credit 710 or when participating lenders or businesses wish to proactively seek out qualified members, as more fully detailed in FIGS. 5 and 6.
  • the system 500 passes the decisions on to the member via a personalized messaging system that will notify the member of new decisions on a periodic basis 760 or at least as often as every time the member logs onto the system 770.
  • the Extranet 800 of the system 500 enables participating lenders and businesses to re-contact those members who previously failed to qualify for credit with them in order to offer them credit when the members' credit scores improve adequately.
  • the lenders and businesses are able to identify those members to whom they can market credit facilities due to improved credit scores 830.
  • participating lenders and businesses can also compile a set of qualifications under which members will automatically be approved for credit facilities and can store these qualifications, via the Extranet, in a Database Approval Template 810 of the system.
  • These pre-approval criteria are utilized by the system to proactively notify qualified members that they can obtain credit 820 and are also used when members seek credit and the system matches the member's needs with the credit approval qualifications of its participating lenders and businesses, as discussed above and shown in FIGS. 5 and 6.
  • members can also r ⁇ ceive information such as financial news, financial planning advice, and the like 840, which information is provided to members based on criteria established by the members or as selected by members during any particular session on the system.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Marketing (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Economics (AREA)
  • Technology Law (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé informatique permettant de gérer et de planifier les ressources financières d'un membre. Ce procédé consiste à recevoir les informations personnelles et financières d'un membre; à mettre à jour les informations financières d'un membre afin de faire apparaître les modifications de la cote de solvabilité de ce membre; à stocker les informations personnelles et financières d'un membre de sorte que les informations puissent être utilisées par celui-ci pour établir des formulaires sur la base desquels tout ou partie des informations sont exigées afin que le membre puisse rechercher au moins une facilité de crédit; à traiter les formulaires; à comparer les informations financières du membre avec les informations d'acceptation de la facilité de crédit fournies par au moins un prestataire de facilités de crédit; à offrir au moins une facilité de crédit au membre lorsque les informations financières de celui-ci lui permette d'en obtenir une; puis à informer le membre lorsqu'il a obtenu l'accord de crédit; puis, lorsque les informations financières du membre permettent à ce dernier d'obtenir une facilité de crédit fournie par le prestataire de facilités de crédit, à informer ledit prestataire sur le fait que ce membre peut bénéficier d'une facilité de crédit, sous réserve que le membre n'ait auparavant obtenu aucun accord de crédit dudit prestataire de facilités de crédit.
PCT/US2001/006350 2000-02-28 2001-02-28 Systeme de planification et de gestion financiere WO2001065398A2 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2001239927A AU2001239927A1 (en) 2000-02-28 2001-02-28 Financial management and planning system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US51491900A 2000-02-28 2000-02-28
US09/514,919 2000-02-28

Publications (1)

Publication Number Publication Date
WO2001065398A2 true WO2001065398A2 (fr) 2001-09-07

Family

ID=24049219

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/006350 WO2001065398A2 (fr) 2000-02-28 2001-02-28 Systeme de planification et de gestion financiere

Country Status (2)

Country Link
AU (1) AU2001239927A1 (fr)
WO (1) WO2001065398A2 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8150762B1 (en) * 2005-12-29 2012-04-03 United Services Automobile Association System and method for providing credit

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8150762B1 (en) * 2005-12-29 2012-04-03 United Services Automobile Association System and method for providing credit

Also Published As

Publication number Publication date
AU2001239927A1 (en) 2001-09-12

Similar Documents

Publication Publication Date Title
US10580072B2 (en) System and method for providing a credit card with multiple credit lines
US7472088B2 (en) System and method for offering a financial product
US7451095B1 (en) Systems and methods for income scoring
US8401868B1 (en) System and method for providing an income score of an applicant based on an income score model
US8706592B2 (en) Online mortgage approval and settlement system and method therefor
US8447688B1 (en) Risk-based reference pool capital reducing systems and methods
US8825544B2 (en) Method for resolving transactions
US7556192B2 (en) Systems and methods for decisioning or approving a financial credit account based on a customer's check-writing behavior
US20080059364A1 (en) Systems and methods for performing a financial trustworthiness assessment
US20070233591A1 (en) Credit enhancement systems and methods
US20060224480A1 (en) Systems and methods for loan management with variable security arrangements
US20060080251A1 (en) Systems and methods for offering credit line products
US20020188533A1 (en) Methods and systems for managing financial accounts having adjustable account parameters
US20080294547A1 (en) Systems and methods for establishing business credit and improving personal credit
US6663002B2 (en) Apparatus and method for facilitating credit transactions
US20100235248A1 (en) Future check financing method
LaCour-Little The evolving role of technology in mortgage finance
Getter Consumer credit risk and pricing
US8762259B1 (en) Real-time prescreening for credit offers
US8577793B1 (en) Multi-variable, multi-party auction and process to prop-up underwater mortgages, and stabilize/restore market values
WO2000052616A2 (fr) Procede qualifiant un utilisateur pour des produits financiers de plusieurs prestataires de produits financiers
US20200090264A1 (en) Credit Optimization Platform
WO2002011046A2 (fr) Procede de calcul de points de credit base sur des facteurs nationaux et internationaux dans un systeme de gestion financiere et de planification
WO2001065398A2 (fr) Systeme de planification et de gestion financiere
Jaffee et al. Securitization in European Mortgage Markets

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A2

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NO NZ PL PT RO RU SD SE SG SI SK SL TJ TM TR TT TZ UA UG UZ VN YU ZA ZW

AL Designated countries for regional patents

Kind code of ref document: A2

Designated state(s): GH GM KE LS MW MZ SD SL SZ TZ UG ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE TR BF BJ CF CG CI CM GA GN GW ML MR NE SN TD TG

121 Ep: the epo has been informed by wipo that ep was designated in this application
REG Reference to national code

Ref country code: DE

Ref legal event code: 8642

122 Ep: pct application non-entry in european phase
NENP Non-entry into the national phase in:

Ref country code: JP