최소 단어 이상 선택하여야 합니다.
최대 10 단어까지만 선택 가능합니다.
다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
NTIS 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
DataON 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Edison 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Kafe 바로가기국가/구분 | United States(US) Patent 등록 |
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국제특허분류(IPC7판) |
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출원번호 | US-0758770 (1996-12-03) |
발명자 / 주소 |
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출원인 / 주소 |
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대리인 / 주소 |
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인용정보 | 피인용 횟수 : 687 인용 특허 : 7 |
A user-friendly on-line computerized system operates in real-time thus streamlining the processing of applications for products and services offered by a financial institution. The system automates many steps in the credit and liability review and approval process, performs background credit worthin
A user-friendly on-line computerized system operates in real-time thus streamlining the processing of applications for products and services offered by a financial institution. The system automates many steps in the credit and liability review and approval process, performs background credit worthiness evaluations based upon a applicant's credit score, financial information and new or existing relationship with the financial institution, recommends to those applicants who exceed the initial criteria for credit consideration specific credit products with predetermined credit qualified offer amounts, and ensures the required operating (credit/liability) policies are appropriately completed. The system immediately analyzes an applicant's credit bureau history and automated credit scoring, and provides these results to the LBR. The system also takes into account information relating to the applicant's new or existing relationship with the financial institution, if any, into the credit decision request. This enables the system to provide applicants with an up-front conditional approval (based on systematic evaluation of credit bureau history, credit score, debt burden, and applicant's new or existing relationship deposits), subject to required verifications.
[ What is claimed is:] [1.] A method for performing an automatic on-line review of an applicant's application for a product or service offered by a financial institution, in real-time, comprising the steps of:a) receiving a first set of data into a data processing and communication system, said data
[ What is claimed is:] [1.] A method for performing an automatic on-line review of an applicant's application for a product or service offered by a financial institution, in real-time, comprising the steps of:a) receiving a first set of data into a data processing and communication system, said data relating to information provided by said applicant;b) receiving a second set of data into said data processing and communication system, said second set of data relating to the product or service requested by said applicant; andc) using said first data to access at least one database internal to said financial institution to evaluate the existing assets and liabilities said applicant has at said financial institution and generating on a real time basis a relationship profile for said applicant, said relationship profile being based upon at least an amount of assets and liabilities said applicant currently has with the financial institution.
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