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| 국가/구분 | United States(US) Patent 등록 |
|---|---|
| 국제특허분류(IPC7판) |
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| 출원번호 | US-0914633 (1997-08-19) |
| 발명자 / 주소 |
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| 출원인 / 주소 |
|
| 대리인 / 주소 |
|
| 인용정보 | 피인용 횟수 : 480 인용 특허 : 6 |
A loan origination system including an apparatus and method for automatically matching a best available loan to a potential borrower, via a global telecommunications network. The loan origination system of the present invention brings together via the global telecommunications network potential borr
A loan origination system including an apparatus and method for automatically matching a best available loan to a potential borrower, via a global telecommunications network. The loan origination system of the present invention brings together via the global telecommunications network potential borrowers and lenders. The loan origination system accepts and stores into a database borrower attributes entered by a potential borrower requesting a loan, via the global telecommunications network. The loan origination system also accepts and stores into the database credit related information regarding the potential borrower sent from at least one credit bureau. The loan origination system stores into the database respective loan acceptance criteria and respective loan attributes for an offered loan. The loan origination system compares the borrower attributes of the potential borrower with all of the loan acceptance criteria stored in the database to determine any available loans for the potential borrower. The loan attributes of the available loans are analyzed to determine rankings of best loans. From the rankings of best loans, the borrower chooses a selected loan provided by a selected lender. A loan application is automatically generated from the borrower attributes and is automatically sent to the selected lender for loan approval. In addition, the loan origination system of the present invention provides to a lender information regarding borrowers and/or other competitive lenders in the loan market.
[ We claim:] [1.] An apparatus for automatically matching a best available loan to a potential borrower having borrower attributes, via a global telecommunications network, the apparatus comprising:a consumer terminal, operatively coupled to the global telecommunications network, for accepting a fir
[ We claim:] [1.] An apparatus for automatically matching a best available loan to a potential borrower having borrower attributes, via a global telecommunications network, the apparatus comprising:a consumer terminal, operatively coupled to the global telecommunications network, for accepting a first portion of borrower attributes entered by the potential borrower into the consumer terminal; anda server terminal, operatively coupled to the global telecommunications network, the server terminal including:a database for storing the first portion of the borrower attributes sent to the server terminal by the consumer terminal via the global telecommunications network, and for storing a second portion of the borrower attributes provided by a credit bureau, and for storing a respective loan acceptance criteria and respective loan attributes for each loan that is potentially available to the potential borrower; anda data processor for comparing the borrower attributes with each of the respective loan acceptance criteria stored in the database to determine any available loans, and for determining a ranking of best loans among the available loans depending on the respective loan attributes of each available loan,and wherein the server terminal is located with an affiliation of lenders and wherein each of the at least one loan is provided by the affiliation of lenders.
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