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[미국특허] Method for automatically determining the approval status of a potential borrower 원문보기

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06F-015/700
출원번호 US-7941420 (1997-02-03)
발명자 / 주소
  • Jones Robert Mebane
  • Goetz Charles Frederick
출원인 / 주소
  • Strategic Solutions Group, Inc
대리인 / 주소
    Bernstein & Associates
인용정보 피인용 횟수 : 386  인용 특허 : 4

초록 ▼

A method is provided for the real-time automatic determination of the approval status of a potential borrower of a loan. The method of acquiring information from the potential borrower includes the steps of (1) detecting the change in a data stream of a trunk link routed telephone call; (2) answerin

대표청구항

[ What is claimed is:] [1.] A method for the automatic determination of the approval status of a caller who is a potential borrower for a loan using a data processing system, comprising the steps of:

이 특허에 인용된 특허 (4) 인용/피인용 타임라인 분석

  1. Crane Michael B. (Bettendorf IA) Sullivan Neil W. (Bettendorf IA), Interactive computerized communications systems with voice input and output.
    상세보기
  2. Jones Robert M. (Houston TX) Goetz Charles F. (Marietta GA) Steele Larry L. (Tucker GA), Method and apparatus for automatically determining the approval status of a potential borrower.
    상세보기
  3. Arbel Ygal (Sunnyvale CA) Wilson Timothy L. (Austin TX) Ford Gordon (Round Rock TX) Arledge Cathy (Austin TX) Rust Tracy L. (Austin TX), Method and apparatus for handling incoming telephone calls.
    상세보기
  4. Mitchell James (Windham NH) Strandberg Malcom B. (Cambridge MA), Voice response system with automated data transfer.
    상세보기

이 특허를 인용한 특허 (386) 인용/피인용 타임라인 분석

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  137. Kraemer,James Richard; Liu,Shiping; Murphy, Jr.,Edgar Leroy, Method and system for identifying teaser surfers with time series credit history.
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  138. Palumbo, Donald R.; Holmes, Leslie D., Method and system for pricing forward commitments for mortgage loans and for buying committed loans.
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  139. Palumbo, Donald R.; Holmes, Leslie D., Method and system for pricing forward commitments for mortgage loans and for buying committed loans.
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  140. Beenau,Blayn W; Bonalle,David S; Fields,Seth W; Gray,William J; Larkin,Carl; Montgomery,Joshua L; Saunders,Peter D, Method and system for proffering multiple biometrics for use with a FOB.
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  141. Fisher,Alan S.; Kaplan,Samuel Jerrold, Method and system for providing order status information using a network address.
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  142. Fisher, Alan S.; Kaplan, Samuel Jerrold, Method and system for providing order status information using an update status flag.
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  143. Fisher, Alan S.; Kaplan, Samuel Jerrold, Method and system for providing order status information using an update status flag.
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  144. Lahav, Shlomo, Method and system for providing targeted content to a surfer.
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  145. Lahav, Shlomo, Method and system for providing targeted content to a surfer.
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  146. Barnes, Brian T.; Bonalle, David S.; Saunders, Peter D., Method and system for resource management and evaluation.
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  147. Beenau,Blayn W.; Bonalle,David S.; Fields,Seth W.; Gray,William J.; Larkin,Carl; Montgomery,Joshua L.; Saunders,Peter D., Method and system for smellprint recognition biometrics on a fob.
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  148. Fisher,Alan S.; Kaplan,Samuel Jerrold, Method and system for supplying automatic status updates using electronic mail.
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  149. Bornhofen, Bob; Byrne, Luke; Bray, David; Elder, Richard; Feight, Richard; Pinnola, Kathleen Hill; Shimshi, Faye; Quinlan, Ray; Cheeseman, Mark, Method and system for the issuance of instant credit.
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  150. Bornhofen, Bob; Byrne, Luke; Bray, David; Elder, Richard; Feight, Richard; Pinnola, Kathleen Hill; Shimshi, Faye; Quinlan, Ray; Cheeseman, Mark, Method and system for the issuance of instant credit.
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  151. Barnes, Brian; Bonalle, David S.; Saunders, Peter D., Method and system for tracking user performance.
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  152. Barnes,Brian; Bonalle,David S.; Saunders,Peter D., Method and system for tracking user performance.
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  153. Freeman,Charles J.; Xue,Xingxiong, Method for mortgage and closed end loan portfolio management.
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  154. Fralic, Donald R., Method of on-line auctioning for leases.
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  155. Herzog, James P., Method of sequential kernel regression modeling for forecasting and prognostics.
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  156. Talbert, Vincent W.; Keithley, Thomas H.; Hirschfeld, Daniel A.; Lavelle, Mark L., Method, system and apparatus for providing a variable credit account to a consumer.
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  157. Fisher, Alan S.; Kaplan, Samuel Jerrold, Method, system and apparatus for requesting status information from a common carrier.
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  158. Beirne, Kenneth; Serra, Guy; Rocchi, Stefano; Kirmani, Syed, Method, system, and storage medium for pre-screening customers for credit card approval at a point of sale.
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  159. Beirne, Kenneth; Serra, Guy; Rocchi, Stefano; Kirmani, Syed, Method, system, and storage medium for pre-screening customers for credit card approval at a point of sale.
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  160. Lawrence, David; Nitze, Peter; MacDonald, Alasdair, Method, system, apparatus, program code and means for determining a redundancy of information.
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  161. Lawrence, David; Nitze, Peter; MacDonald, Alasdair, Method, system, apparatus, program code and means for identifying and extracting information.
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  162. Peart, Lee J.; Saunders, Peter D., Methods and apparatus for a secure proximity integrated circuit card transactions.
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  163. Tuchler, James; Crowe, Andrew, Methods and apparatus for allowing internet based purchases based on a temporary credit card number.
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  164. Phelan, William; Michalek, Dan, Methods and apparatus for automatically exchanging credit information.
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  165. Smith, Michael S., Methods and apparatus for facilitating a transaction.
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  166. Palmgren,Matt Andrew; Wypasek,Christian John, Methods and apparatus for utilizing a proportional hazards model to evaluate loan risk.
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  167. Egnatios, Rockne; Byal, Amy B.; Marineau, Gerard; Evans, Jr., Robert L., Methods and systems for opening and funding a financial account online.
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  168. Egnatios, Rockne; Byal, Amy B.; Marineau, Gerard; Evans, Jr., Robert L., Methods and systems for opening and funding a financial account online.
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  169. Shachar, Haggai; Deichert, Jr., Robert William, Methods and systems for presenting specialized content using campaign metrics.
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  170. Herzog, James P., Monitoring method using kernel regression modeling with pattern sequences.
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  171. Herzog, James P., Monitoring system using kernel regression modeling with pattern sequences.
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  172. Kemper, John L.; Nolan, III, William R., Mortgage loan commitment system and method.
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  173. Bennett, James D.; Winslade, Christopher C., Multi-search infrastructure supporting advertising and internet search term reuse.
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  174. Bennett, James D.; Winslade, Christopher C., Multi-seller sales system supporting multiple sales portals and promotion systems.
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  175. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
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  176. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
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  177. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
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  178. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
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  179. Oyanagi Shigeru,JPX ; Kakimoto Mitsuru,JPX ; Nakase Akihiko,JPX, Mutual credit server apparatus and a distributed mutual credit system.
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  180. Bennett, James D.; Winslade, Christopher C., Network infrastructure supporting a multi-seller promotion and transaction environment.
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  181. Barak, Matan; Kehat, Arnon-Naftally; Yagil, Noam, Occasionally-connected computing interface.
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  182. Barak, Matan; Kehat, Arnon-Naftally; Yagil, Noam, Occasionally-connected computing interface.
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  183. Lascelles, Scott; Ludlam, Jay; Chang, Ricky; Meeks, Eric R., On-line balance transfers.
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  184. Ireland, Leigh-Anne T.; Strand, Marilyn; Goldberg, Michele; Winzer, Etienne, On-line higher education financing system.
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  185. Novak, Christopher S.; D'Angelo, Michael; Giancola, Tom, Online interactive and partner-enhanced credit card.
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  186. Bennett, James D.; Winslade, Christopher C., Online purchasing system supporting buyer affordability screening.
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  187. Bennett, James D.; Winslade, Christopher C., Online purchasing system supporting lenders with affordability screening.
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  188. Bennett, James D.; Winslade, Christopher C., Online purchasing system supporting lenders with affordability screening.
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  189. Bennett, James D.; Winslade, Christopher C., Online purchasing system supporting lenders with affordability screening.
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  190. Bennett, James D.; Winslade, Christopher C., Online purchasing system supporting lenders with affordability screening.
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  191. Bennett, James D.; Winslade, Christopher C., Online purchasing system supporting sellers with affordability screening.
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  192. Ahluwalia, Gurpreet, Online system and method of reporting related to orders for consumer product having specific configurations.
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  193. Hanzek, Joe J., Online system and method of status inquiry and tracking related to orders for consumer product having specific configurations.
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  194. Bennett, James D.; Winslade, Christopher C., Persistence mechanism for facilitating online transactions.
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  195. Yankovich,Steve; Hoover,Nathan; True,Benjamin; Silva,Bronson; Duncan,Brandon Lowell, Process builder for a routable electronic document system and method for using the same.
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  196. Bennett, James D.; Winslade, Christopher C., Promotion data and codes supporting redemption processing.
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  197. Bennett, James D.; Winslade, Christopher C., Promotion infrastructure having dispensing controls.
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  198. Bennett, James D.; Winslade, Christopher C., Promotion infrastructure having dual input and dual output interface.
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  199. Bennett, James D.; Winslade, Christopher C., Promotion infrastructure having third party posting service.
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  200. Bennett, James D.; Winslade, Christopher C., Promotion infrastructure supporting selected and emailed promotion delivery.
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  201. Bennett, James D.; Winslade, Christopher C., Promotion system supporting emailed promotions and at seller premises transaction completion.
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  202. Bennett, James D.; Winslade, Christopher C., Promotion system supporting emailed promotions and at seller premises transaction completion.
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  203. Bennett, James D.; Winslade, Christopher C., Promotion system supporting emailed promotions with transaction accounting.
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  204. Bennett, James D.; Winslade, Christopher C., Promotion system supporting web content and promotion searching.
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  205. Arpin, Jeffrey L.; Dick, Michael W.; Edgar, Thomas P.; Hunt, Brian, Property investment rating system and method.
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  206. Arpin, Jeffrey L.; Dick, Michael W.; Edgar, Thomas P.; Hunt, Brian, Property investment rating system and method.
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  207. Lawrence, David, Proprietary risk management clearinghouse.
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  208. Bonalle, David S.; Freud, Aliza; Nanton, Jason; Fitzmaurice Reilly, Mary Ann; Sharp, Ray, Public/private dual card system and method.
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  209. Bonalle,David S.; Freud,Aliza; Nanton,Jason E.; Reilly,Mary Ann Fitzmaurice; Sharp,Ray, Public/private dual card system and method.
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  210. Biship,Fred; Saunders,Peter D, RF payment via a mobile device.
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  211. Bishop, Fred; Saunders, Peter D., RF payment via a mobile device.
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  212. Bonalle, David S.; Fehlhaber, Jeff; Saunders, Peter D., RF transaction device.
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  213. Saunders, Peter D, RF transaction system and method for storing user personal data.
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  214. Bishop, Fred, RF transactions using a wireless reader grid.
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  215. Pettersen, Per, Ranking system using instant post-transaction surveying of transaction judges.
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  216. Cunningham,Gordon Cotter, Real-time financial card offer and application system.
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  217. Bishop, Fred; Saunders, Peter D, Recurrent billing maintenance with radio frequency payment devices.
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  218. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, Registering a biometric for radio frequency transactions.
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  219. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, Registering a biometric for radio frequency transactions.
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  220. Berardi, Michael J.; Bliman, Michal; Bonalle, David; Elwood, Jennifer Anne; Hood, Matthew C.; Isenberg, Susan E.; Mayers, Alexandra; Perry, Trevor J.; Saunders, Peter D.; Scheding, Kathryn D.; Shah, Sejal Ajit; VonWald, Kristin L.; Williamson, John R., Reload protocol at a transaction processing entity.
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  221. Ogden Edward W., Remote job application method and apparatus.
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  222. Hines, J. Wesley, Robust distance measures for on-line monitoring.
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  223. Johnson,Lance; Buckley,Brian; Kocher,Paul C.; Meffert,Peter, Routing methods and systems for increasing payment transaction volume and profitability.
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  224. Bennett, James D.; Winslade, Christopher C., Sales channel management infrastructure.
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  225. Bennett, James D.; Winslade, Christopher C., Sales promotion system supporting a plurality of differing sellers.
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  226. Bennett, James D.; Winslade, Christopher C., Sales promotion system supporting a plurality of sellers.
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  227. Bennett, James D.; Winslade, Christopher C., Sales promotion system supporting coupon link in multi-seller environment.
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  228. Bennett, James D.; Winslade, Christopher C., Sales promotion system with secondary sales server system.
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  229. Bennett, James D., Search engine supporting mixed image and text search input.
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  230. Bennett, James D., Search engine with geographical verification processing.
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  231. Bennett, James D., Search system employing multiple image based search processing approaches.
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  232. Bennett, James D., Search system using source and target image categorization.
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  233. Bonalle, David S; Isenberg, Susan E; Saunders, Peter D; Williamson, John R, Securing RF transactions using a transactions counter.
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  234. Berardi, Michael J.; Bliman, Michal; Bonalle, David S.; Elwood, Jennifer Anne; Hood, Matthew C.; Isenberg, Susan E.; Mayers, Alexandra; Saunders, Peter D.; Scheding, Kathryn D.; Shah, Sejal Ajit; Williamson, John R., Securing a transaction between a transponder and a reader.
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  235. Berardi, Michael J.; Bliman, Michal; Bonalle, David S.; Elwood, Jennifer Anne; Hood, Matthew C.; Isenberg, Susan E.; Saunders, Peter D.; Scheding, Kathryn D.; Shah, Sejal Ajit; Williamson, John R.; Mayers, Alexandra, Securing a transaction between a transponder and a reader.
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  236. Yankovich, Steve; Hoover, Nathan; Porter, Ed, Self-directed routable electronic form system and method.
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  237. Bennett, James D.; Winslade, Christopher C., Seller promotion creation and modification.
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  238. Bennett, James D.; Winslade, Christopher C., Seller selection of content for promotion creation.
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  239. Bonalle,David S.; Salow,Glen, Smartcard transaction method and system using voiceprint recognition.
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  240. Bonalle, David S.; Salow, Glen, Smartcard transaction system and method.
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  241. Bonalle, David S.; Salow, Glen, Smartcard transaction system and method.
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  242. Barash, Kenneth, Speech recognition system for interactively gathering and storing verbal information to generate documents.
    상세보기
  243. Bennett, James D., Support for international search terms—translate as you crawl.
    상세보기
  244. Louie, Edmund H.; Campbell, Michael X., Syndication loan administration and processing system.
    상세보기
  245. Shachar, Haggai; Nechmad, Shahar, System and method for applying tracing tools for network locations.
    상세보기
  246. Berardi,Michael J.; Bliman,Michal; Bonalle,David; Elwood,Jennifer Anne; Hood,Matthew C.; Isenberg,Susan E.; Mayers,Alexandra; Perry,Trevor J.; Saunders,Peter D.; Scheding,Kathryn D.; Shah,Sejal Ajit;, System and method for assigning a funding source for a radio frequency identification device.
    상세보기
  247. Bishop,Fred; Saunders,Peter D, System and method for authenticating a RF transaction using a transaction account routing number.
    상세보기
  248. Libman, Richard Marc, System and method for automated generation of communications involving products or services.
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  249. Libman, Richard Marc, System and method for automated generation of communications involving products or services.
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  250. Riseman,Milton, System and method for automatically processing loan applications.
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  251. Buisman,William J.; Cohen,Gary; Fox,Steven R.; Kruse,Charles; Sulpizio,Christine, System and method for converting information on paper forms to electronic data.
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  252. Kemper, John L.; Simonds, Jr., John A.; Mathewson, Mark D.; Singh, Navdeep, System and method for creating and tracking agreements for selling loans to a secondary market purchaser.
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  253. Kemper,John L.; Simonds, Jr.,John A.; Mathewson,Mark D.; Singh,Navdeep, System and method for creating and tracking agreements for selling loans to a secondary market purchaser.
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  254. Karidi, Ron; Shalom, Dan Bar; Zucker, Amir; Goldberg, Tal; Mermelstein, Joseph, System and method for design and dynamic generation of a web page.
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  255. Karidi, Ron; Shalom, Dan Bar; Zucker, Amir; Goldberg, Tal; Mermelstein, Joseph, System and method for design and dynamic generation of a web page.
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  256. Keller, Kathleen M.; York, Sheryl M., System and method for detecting changes in business stability.
    상세보기
  257. Machin David R. ; Anton Jon, System and method for determining the performance of a user responding to a call.
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  258. Bonalle, David S.; Larkin, Carl; Saunders, Peter D., System and method for dynamic fob synchronization and personalization.
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  259. Lavi, Asaf; Dimenstein, Efim; Campo, Eli, System and method for dynamically enabling customized web content and applications.
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  260. Littrell, Nathan Bowman, System and method for electric vehicle charging and billing using a wireless vehicle communication service.
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  261. Berardi, Michael J.; Bliman, Michal; Bonalle, David S.; Saunders, Peter D., System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions.
    상세보기
  262. Baranowski, James A., System and method for enhanced RFID instrument security.
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  263. Baranowski, James A., System and method for enhanced RFID instrument security.
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  264. Saunders, Peter D, System and method for facilitating a transaction using a revolving use account associated with a primary account.
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  265. Barak, Matan; Schorzman, Julius; Ninio, Nir Holtzman; Goldstein, Uri, System and method for facilitating communication.
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  266. Barak, Matan; Schorzman, Julius; Ninio, Nir Holtzman; Goldstein, Uri, System and method for facilitating interactions.
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  267. Gang, John E.; Nolan, III, William R.; Kemper, John L.; Voth, David N.; Kopperman, Peter G., System and method for facilitating sale of a loan to a secondary market purchaser.
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  268. Gang,John E.; Nolan, III,William R.; Kemper,John L.; Voth,David N.; Kopperman,Peter G., System and method for facilitating sale of a loan to a secondary market purchaser.
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  269. Schwarz, Jr., Charles E., System and method for funding a collective account by use of an electronic tag.
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  270. Peart, Lee J; Saunders, Peter D, System and method for generating an unpredictable number using a seeded algorithm.
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  271. Allen, Brian J.; Buroker, Bruce A.; Flood, John P.; Gentz, Scott A.; Lidman, Gina M.; Teichman, William J., System and method for generating graphical user interface.
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  272. Allen, Brian J.; Buroker, Bruce A.; Flood, John P.; Gentz, Scott A.; Lidman, Gina M.; Teichman, William J., System and method for generating graphical user interfaces.
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  273. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
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  274. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
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  275. Rosko, Robert J., System and method for implementing a consolidated application process.
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  276. Rosko, Robert J., System and method for implementing a consolidated application process.
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  277. Rosko, Robert J., System and method for implementing a consolidated application process.
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  278. Lacivita,Dennis; Mansell,Michael; Marshall,Vernon; Mulder,Michael; Sacheti,Sandeep; Vallat,Brent, System and method for interactive secure dialog between card holder and issuer.
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  279. Hunter, Jeanne M.; Houle, Jocelyn; Srivastav, Sarmila; Rachakonda, Parvathi D.; Mountain, James L., System and method for management of delegated real estate project reviews.
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  280. Saunders, Peter D, System and method for managing a transaction protocol.
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  281. Weber, Phillip J.; Neill, Edwin B.; Hunt, Brian K., System and method for managing data pertaining to a plurality of financial assets for multifamily and housing developments.
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  282. Faenza, Jr.,William J.; Lasch,Ellen; Saunders,Peter D.; Webb,Lisa, System and method for manufacturing a punch-out RFID transaction device.
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  283. Saunders, Peter D., System and method for manufacturing a punch-out RFID transaction device.
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  284. Saunders, Peter D., System and method for manufacturing a punch-out RFID transaction device.
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  285. Oppenheimer, Dror; Bastnagel, Maryann, System and method for modifying attribute data pertaining to financial assets in a data processing system.
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  286. Oppenheimer, Dror; Bastnagel, Maryann, System and method for modifying attribute data pertaining to financial assets in a data processing system.
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  287. Voth, David N.; Simon, Peter A.; Plotnick, Richard N.; Youngman, Scott; Fulcher, Patricia D.; Alvarez, Neiman; Huffman, Andrew; Harrell, Anne; Saad, George; Kane, Michael J., System and method for mortgage loan pricing, sale and funding.
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  288. Taylor,James W.; Coro,Luz Maria, System and method for offering a financial product.
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  289. Das, Jayanta, System and method for offering risk-based interest rates in a credit instrument.
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  290. Das, Jayanta, System and method for offering risk-based interest rates in a credit instutment.
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  291. Cataline, Glen R.; Rielly, William Smith; Sheehan, Mark Robert; Wallace, William Scott, System and method for optimized funding of electronic transactions.
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  292. Ward,Perry S.; Scavone,Frank R.; Heil,Joseph B., System and method for originating loans.
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  293. Berardi,Michael J.; Bliman,Michal; Bonalle,David S.; Elwood,Jennifer Anne; Hood,Matthew C.; Isenberg,Susan E.; Mayers,Alexandra; Saunders,Peter D.; Scheding,Kathryn D.; Shah,Sejal Ajit; Williamson,Jo, System and method for payment using radio frequency identification in contact and contactless transactions.
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  294. Karidi, Ron, System and method for performing follow up based on user interactions.
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  295. Karidi, Ron, System and method for performing follow up based on user interactions.
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  296. Karidi, Ron, System and method for performing follow up based on user interactions.
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  297. Karidi, Ron, System and method for performing follow up based on user interactions.
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  298. Watson Craig J. ; Burke Brad, System and method for pre-authorization of individual account remote transactions.
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  299. Watson Craig, System and method for pre-authorization of individual account transactions.
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  300. Ryan Raymond B. ; Engel Wendy J. ; Melamed Samuel, System and method for premium optimization and loan monitoring.
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  301. Nolan, III, William R.; Kemper, John L.; Voth, David N.; Kopperman, Peter G., System and method for pricing loans in the secondary mortgage market.
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  302. Nolan, III, William R.; Kemper, John L.; Voth, David N.; Kopperman, Peter G., System and method for pricing loans in the secondary mortgage market.
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  303. Flaxman, David R.; Tantoco-Hobbs, Minerva L.; Kobus, Anne M. Murphy; Koch, Michael W.; Packer, Daniel; Plofchan, Peter G.; Pomeroy, Richard C., System and method for processing a loan.
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  304. Flaxman, David R.; Tantoco-Hobbs, Minerva L.; Kobus, Anne M. Murphy; Koch, Michael W.; Packer, Daniel; Plofchan, Peter G.; Pomeroy, Richard C., System and method for processing a loan.
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  305. Flaxman, David R.; Tantoco-Hobbs, Minerva L.; Kobus, Anne M. Murphy; Koch, Michael W.; Packer, Daniel; Plofchan, Peter G.; Pomeroy, Richard C., System and method for processing a loan.
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  306. Pinto,Edward J., System and method for processing a secured collateral loan.
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  307. Oppenheimer, Dror; Bastnagel, Maryann; Kemper, John L.; Simonds, Jr., John A.; Mathewson, Mark D.; Singh, Navdeep, System and method for processing data pertaining to financial assets.
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  308. Oppenheimer, Dror; Bastnagel, Maryann; Nixon, Jr., William P., System and method for processing data pertaining to financial assets.
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  309. Oppenheimer, Dror; Bastnagel, Maryann; Nixon, Jr., William P., System and method for processing data pertaining to financial assets.
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  310. Raines, Franklin D.; St. John, Julie G.; Quinn, Michael A.; Lewis, Robert A.; Farrell, William F.; Kemper, John L., System and method for processing data pertaining to financial assets.
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  311. Sorem, Steve, System and method for processing transactions.
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  312. Bonalle,David S; Francolini,Gail A; Ing,Samantha S; Kunian,Danielle; Nulle,Danielle R, System and method for providing and RFID transaction device.
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  313. Vicente, Maria Teresita; Dragotta, Frank Cawley; Field, Manning R.; Koppenhaver, Joy Lynn; Moed, James Samuel; Jacoby, Ryan Alan; Groulx, Ian Michael; Dame, Kevin Thomas; Emerson, Heather Margaret; McGarry, Jennifer C., System and method for providing borrowing schemes.
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  314. Vicente, Maria Teresita; Dragotta, Frank Cawley; Field, Manning R.; Koppenhaver, Joy Lynn; Moed, James Samuel; Jacoby, Ryan Alan; Groulx, Ian Michael; Dame, Kevin Thomas; Emerson, Heather Margaret; McGarry, Jennifer C., System and method for providing borrowing schemes.
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  315. Vicente, Maria Teresita; Dragotta, Frank Cawley; Field, Manning R.; Koppenhaver, Joy Lynn; Moed, James Samuel; Jacoby, Ryan Alan; Groulx, Ian Michael; Dame, Kevin Thomas; Emerson, Heather Margaret; McGarry, Jennifer C., System and method for providing borrowing schemes.
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  316. Vicente, Maria Teresita; Dragotta, Frank Cawley; Field, Manning R.; Koppenhaver, Joy Lynn; Moed, James Samuel; Jacoby, Ryan Alan; Groulx, Ian Michael; Dame, Kevin Thomas; Emerson, Heather Margaret; McGarry, Jennifer C., System and method for providing borrowing schemes.
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  317. Vicente, Maria Teresita; Dragotta, Frank Cawley; Field, Manning R.; Koppenhaver, Joy Lynn; Moed, James Samuel; Jacoby, Ryan Alan; Groulx, Ian Michael; Dame, Kevin Thomas; Emerson, Heather Margaret; McGarry, Jennifer C., System and method for providing borrowing schemes.
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  318. Vicente, Maria Teresita; Dragotta, Frank Cawley; Field, Manning R.; Koppenhaver, Joy Lynn; Moed, James Samuel; Jacoby, Ryan Alan; Groulx, Ian Michael; Emerson, Heather Margaret; McGarry, Jennifer C., System and method for providing borrowing schemes.
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  319. White, Brigette A.; Levinson, Ronald; Sabharwal, Mohit, System and method for providing instant-decision, financial network-based payment cards.
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  320. White, Brigette A.; Levinson, Ronald; Sabharwal, Mohit, System and method for providing instant-decision, financial network-based payment cards.
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  321. White, Brigette A.; Levinson, Ronald; Sabharwal, Mohit, System and method for providing instant-decision, financial network-based payment cards.
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  322. Bishop, Fred; Neemann, Trey; Armes, David, System and method for reassociating an account number to another transaction account.
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  323. Saunders,Peter D., System and method for remotely initializing a RF transaction.
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  324. Littrell, Nathan Bowman, System and method for roaming billing for electric vehicles.
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  325. Saunders, Peter D; Barnes, Brian T, System and method for secure transactions manageable by a transaction account provider.
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  326. Saunders, Peter, System and method for securing a recurrent billing transaction.
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  327. Peart, Lee J.; Saunders, Peter D., System and method for securing sensitive information during completion of a transaction.
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  328. Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.
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  329. Buehler, Hans D.; Wells, Jonathan B., System and method for setting up a pre-authorization record.
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  330. Downey, Christopher T., System and method for tracking and facilitating analysis of variance and recourse transactions.
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  331. Downey, Christopher T., System and method for tracking and facilitating analysis of variance and recourse transactions.
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  332. Palumbo, Donald R.; Carter, Thomas J.; Dixon, Amelia M.; Keller, Kathleen P.; Jozwiak, John J., System and method for transferring mortgage loan servicing rights.
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  333. Palumbo, Donald R.; Carter, Thomas J.; Dixon, Amelia M.; Keller, Kathleen P.; Jozwiak, John J., System and method for transferring mortgage loan servicing rights.
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  334. Frederick T. Dykes ; Richard J. Heiston, System and method for transmitting and processing loan data.
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  335. Kemper, John L.; Coleman, David A., System and method for verifying loan data at delivery.
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  336. Kemper, John L.; Coleman, David A., System and method for verifying loan data at delivery.
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  337. Freishtat, Gregg; Hufford, Steve; McFall, Dodge; Wilson, Jackson; Hyman, Tanya; Rijsinghani, Vikas; Kaib, Paul, System and methods for facilitating object assignments.
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  338. Barak, Matan; Schorzman, Julius; Ninio, Nir Holtzman; Goldstein, Uri, System and methods for searching and communication.
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  339. Freund, Peter C., System and process for performing purchase transactions using tokens.
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  340. Haertel, Scott, System for authorizing credit use.
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  341. Beenau,Blayn W.; Bonalle,David S.; Fields,Seth W.; Gray,William J.; Larkin,Carl; Montgomery,Joshua L.; Saunders,Peter D., System for biometric security using a FOB.
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  342. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, System for biometric security using a fob.
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  343. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, System for biometric security using a fob.
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  344. Breck, Lydia; Zoob, Jessica; Salow, Glen; Bishop, Fred; Schwarz, William; Glazer, Elliot; Johnstone, David; Cunningham, Katie; Nambiar, Anant; Belt, Jan Nunney; Wittwer, Martin; Armes, David; Chow, Christina, System for facilitating a transaction.
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  345. Diana, Marc; Pettersen, Per, System for implementing automated open market auctioning of leads.
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  346. Anderson,William P.; Geller,Jacob B., System for on-line financial services using distributed objects.
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  347. Anderson,William P.; Geller,Jacob B., System for on-line financial services using distributed objects.
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  348. Herzog, James P., System of sequential kernel regression modeling for forecasting and prognostics.
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  349. Bennett, James D.; Winslade, Christopher C., System supporting promotion browsing and searching.
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  350. Bennett, James D.; Winslade, Christopher C., System supporting seller's promotion creation.
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  351. Bentley, Simon R.; Craft, Deborah Louise; Dunn, Melanie Anne; Kayode, Adeyemi O.; Mehta, Chintan M.; Perracchio, Denis George; Vora, Sejal Dilip, System, method and computer program product for an acquisition partner interface for integrating multiple partner channels into a transaction account issuer platform.
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  352. Levine David A. ; Levine Monica L. ; Minton Gabriel D. ; Poletti Jon ; Sondregger Dean, System, method and computer program product for online financial products trading.
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  353. Libman, Richard Marc, System, method, and computer program product for selecting and presenting financial products and services.
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  354. Littrell, Nathan Bowman, Systems and methods for charging an electric vehicle using broadband over powerlines.
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  355. Littrell, Nathan Bowman, Systems and methods for delivering energy to an electric vehicle with parking fee collection.
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  356. Barak, Matan; Schorzman, Julius; Ninio, Nir Holtzman; Goldstein, Uri, Systems and methods for facilitating participation.
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  357. Voth, David N.; Plotnick, Richard N.; Kopperman, Peter G.; Herron, Caroline R.; Derwin, John A.; Goodman, Sheilah A.; Watson, Michelle Y.; McDonald, Laura L.; Schamber, Elizabeth H.; McGhee, Richard J., Systems and methods for facilitating the flow of capital through the housing finance industry.
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  358. Bonalle, David; Bliman, Michal; Saunders, Peter D.; Williamson, John Robert, Systems and methods for managing account information lifecycles.
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  359. Lawrence, David; Nitze, Peter; MacDonald, Alasdair, Systems and methods for managing information associated with legal, compliance and regulatory risk.
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  360. Beenau,Blayn W.; Bliman,Michal; Bonalle,David S.; Montgomery,Joshua L.; Saunders,Peter D.; Williamson,John R., Systems and methods for managing multiple accounts on a RF transaction instrument.
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  361. Gupta, Sandeep; Reid, James R.; Welsh, Matthew P.; Cothran, Shannon M.; Das, Sharmistha, Systems and methods for managing statistical expressions.
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  362. Bishop, Fred; Saunders, Peter D, Systems and methods for non-traditional payment using biometric data.
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  363. Hong, Xiao; Song, Xiaolan; Dong, Xin; Fei, Huchen; Wang, Lihua, Systems and methods for performing scoring optimization.
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  364. Littrell, Nathan Bowman; Slates, Richard Dale, Systems and methods for prepaid electric metering for vehicles.
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  365. Bonalle,David S; Fehlhaber,Jeff; Saunders,Peter D, Systems and methods for providing a RF transaction device for use in a private label transaction.
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  366. Beenau,Blayn W.; Bliman,Michal; Bonalle,David S.; Montgomery,Joshua L.; Saunders,Peter D.; Williamson,John R., Systems and methods for providing a RF transaction device operable to store multiple distinct accounts.
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  367. Bonalle,David S.; Fehlhaber,Jeff; Saunders,Peter D., Systems and methods for providing a RF transaction device operable to store multiple distinct calling card accounts.
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  368. Freishtat, Gregg; Hufford, Steve; McFall, Dodge; Wilson, Jackson; Hyman, Tanya; Rijsinghani, Vikas; Kaib, Paul, Systems and methods to facilitate selling of products and services.
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  369. Freishtat, Gregg; Hufford, Steve; Mcfall, Dodge; Wilson, Jackson; Hyman, Tanya; Rijsinghani, Vikas; Kaib, Paul, Systems and methods to facilitate selling of products and services.
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  370. Leitner, Stephen; Hughes, Fred; Manthey, Keith W.; Ferber, David A.; Dickson, John M.; Kennedy, Reuben S.; Franklin, Kevin M.; Nailor, Mark, Systems and processes for automated criteria and attribute generation, searching, auditing and reporting of data.
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  371. Lawrence, David; Nitze, Peter; MacDonald, Alasdair, Systems, methods, apparatus, and schema for storing, managing and retrieving information.
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  372. Bentley, Simon R.; Craft, Deborah Louise; Dunn, Melanie Anne; Kayode, Adeyemi O.; Mehta, Chintan M.; Perracchio, Denis George; Vora, Sejal Dilip, Transaction account interface.
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  373. Morrill Webb, Lisa Ann; Faenza, Jr., William J., Transaction card.
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  374. Morrill-Webb, Lisa Ann; Faenza, Jr., William J., Transaction card.
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  375. Beenau,Blayn W.; Bonalle,David S.; Vander Eyk,Becky; Isenberg,Susan E.; Malnati,Leigh; Mueller,Sue; Norcross,Zarita; Peart,Lee J.; Saunders,Peter D.; Skilling Belmond,Lisa; Webb,Lisa; Williamson,John, Transparent transaction device.
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  376. DeLoach, John Mark, Universal payment protection.
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  377. DeLoach, John Mark, Universal payment protection.
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  378. DeLoach, John Mark, Universal payment protection.
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  379. Desai, Mehul; Pitroda, Satyan G.; Maniar, Nehal, Updating a widget that was deployed to a secure wallet container on a mobile device.
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  380. Weber, Harry V., Virtual financial aid office.
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  381. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, Voiceprint biometrics on a payment device.
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  382. Bennett, James D.; Winslade, Christopher C., Web search and promotion search engine integration.
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  383. Bennett, James D., Web search with multi-language search input translation.
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  384. Bennett, James D., Web search with visited web page search result restrictions.
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  385. Bennett, James D., Whois server verifying whois records and search engine accesses.
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  386. DeFrancesco, Jr., James R.; Fingerhuth, Amy; Freiman, Scott; Rusk, Geoffrey; Terpening, Steven, Workflow management system for an automated credit application system.
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