초록 ▼

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 c

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 funding source, for receiving a funding decision from the at least one funding 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 bureaua, 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.

대표청구항 ▼

[ What is claimed is:] [1.] A computer program having a plurality of program steps to be executed on a computer to implement and control an interactive credit application and routing system, said program comprising:means for receiving a credit application from at least one remote application input a

[ What is claimed is:] [1.] A computer program having a plurality of program steps to be executed on a computer to implement and control an interactive credit application and routing system, said program comprising:means for receiving a credit application from at least one remote application input and display device at a dealer location;means for selectively forwarding a received credit application to a plurality of funding sources;means for receiving a funding decision from the plurality of funding sources; andmeans for forwarding a received funding decision to the at least one remote application input and display device at the dealer location;wherein the means for selectively forwarding an input credit application to the plurality of funding sources comprises one of:means for sending at least a portion of a credit application to more than one of said plurality of funding sources substantially at the same time;means for sending at least a portion of a credit application to more than one of said plurality of funding sources sequentially until a funding source sends a positive funding decision or until all funding sources have been exhausted; andmeans for sending at least a portion of a credit application to a first one of said plurality of funding sources, and then, after a predetermined time delay, sequentially sending to each other funding source in turn, until one of the plurality of funding sources sends a positive funding decision or until all funding sources have been exhausted.