WO2000060487A1 - Credit prequalification and granting system and method - Google Patents
Credit prequalification and granting system and method Download PDFInfo
- Publication number
- WO2000060487A1 WO2000060487A1 PCT/US2000/008673 US0008673W WO0060487A1 WO 2000060487 A1 WO2000060487 A1 WO 2000060487A1 US 0008673 W US0008673 W US 0008673W WO 0060487 A1 WO0060487 A1 WO 0060487A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- consumer
- credit
- vendor
- credit account
- application
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
Abstract
Description
Claims
Priority Applications (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP00920006A EP1222555A4 (en) | 1999-04-02 | 2000-03-31 | Credit prequalification and granting system and method |
CA002403260A CA2403260A1 (en) | 1999-04-02 | 2000-03-31 | Credit prequalification and granting system and method |
MXPA01009959A MXPA01009959A (en) | 1999-04-02 | 2000-03-31 | Credit prequalification and granting system and method. |
BR0009527-3A BR0009527A (en) | 1999-04-02 | 2000-03-31 | Prequalification and credit granting system and method |
AU40608/00A AU4060800A (en) | 1999-04-02 | 2000-03-31 | Credit prequalification and granting system and method |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US28528199A | 1999-04-02 | 1999-04-02 | |
US09/285,281 | 1999-04-02 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2000060487A1 true WO2000060487A1 (en) | 2000-10-12 |
WO2000060487A8 WO2000060487A8 (en) | 2000-12-14 |
Family
ID=23093573
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2000/008673 WO2000060487A1 (en) | 1999-04-02 | 2000-03-31 | Credit prequalification and granting system and method |
Country Status (6)
Country | Link |
---|---|
EP (1) | EP1222555A4 (en) |
AU (1) | AU4060800A (en) |
BR (1) | BR0009527A (en) |
CA (1) | CA2403260A1 (en) |
MX (1) | MXPA01009959A (en) |
WO (1) | WO2000060487A1 (en) |
Cited By (14)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6374230B1 (en) * | 1997-03-12 | 2002-04-16 | Walker Digital, Llc | Method, apparatus and program for customizing credit accounts |
US7006994B1 (en) | 1999-07-16 | 2006-02-28 | American Management Systems, Inc. | Automated receivables management system |
US7318046B1 (en) | 1998-03-05 | 2008-01-08 | American Management Systems, Inc. | Collector's account payment promise option advisory apparatus and method |
US7552866B2 (en) * | 2005-10-24 | 2009-06-30 | American Express Travel Related Services Company, Inc. | System and method for transferring a financial transaction account according to predetermined criteria |
WO2009124270A1 (en) * | 2008-04-04 | 2009-10-08 | Metabank | System, program product, and associated methods to autodraw for micro-credit attached to a prepaid card |
US9251511B2 (en) | 2007-12-21 | 2016-02-02 | Metabank | Transfer account systems, computer program products, and associated computer-implemented methods |
US9508067B2 (en) | 2008-09-04 | 2016-11-29 | Metabank | System, program product and methods for retail activation and reload associated with partial authorization transactions |
US9665855B2 (en) | 2008-11-26 | 2017-05-30 | Metabank | Machine, methods, and program product for electronic inventory tracking |
US9767451B2 (en) | 2009-02-04 | 2017-09-19 | Metabank | System and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods |
US10318980B2 (en) | 2009-09-28 | 2019-06-11 | Metabank | Computer-implemented methods, computer program products, and machines for management and control of a loyalty rewards network |
US10515405B2 (en) | 2008-03-03 | 2019-12-24 | Metabank | Person-to-person lending program product, system, and associated computer-implemented methods |
GB2535072B (en) * | 2013-09-30 | 2020-02-05 | Hong Kong Modern Tech Limited | Fluid heat exchanger and energy recycling device |
US10706397B2 (en) | 2007-12-21 | 2020-07-07 | Metabank | Transfer account machine, non-transitory computer medium having computer program, and associated computer-implemented method |
US11227331B2 (en) | 2008-05-14 | 2022-01-18 | Metabank | System, program product, and computer-implemented method for loading a loan on an existing pre-paid card |
Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5025138A (en) * | 1984-02-27 | 1991-06-18 | Vincent Cuervo | Method and system for providing verifiable line of credit information |
US5239462A (en) * | 1992-02-25 | 1993-08-24 | Creative Solutions Groups, Inc. | Method and apparatus for automatically determining the approval status of a potential borrower |
US5274547A (en) * | 1991-01-03 | 1993-12-28 | Credco Of Washington, Inc. | System for generating and transmitting credit reports |
US5611052A (en) * | 1993-11-01 | 1997-03-11 | The Golden 1 Credit Union | Lender direct credit evaluation and loan processing system |
US5797133A (en) * | 1994-08-31 | 1998-08-18 | Strategic Solutions Group, Inc | Method for automatically determining the approval status of a potential borrower |
US5809478A (en) * | 1995-12-08 | 1998-09-15 | Allstate Insurance Company | Method for accessing and evaluating information for processing an application for insurance |
-
2000
- 2000-03-31 EP EP00920006A patent/EP1222555A4/en not_active Withdrawn
- 2000-03-31 CA CA002403260A patent/CA2403260A1/en not_active Abandoned
- 2000-03-31 AU AU40608/00A patent/AU4060800A/en not_active Abandoned
- 2000-03-31 WO PCT/US2000/008673 patent/WO2000060487A1/en not_active Application Discontinuation
- 2000-03-31 BR BR0009527-3A patent/BR0009527A/en active Pending
- 2000-03-31 MX MXPA01009959A patent/MXPA01009959A/en unknown
Patent Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5025138A (en) * | 1984-02-27 | 1991-06-18 | Vincent Cuervo | Method and system for providing verifiable line of credit information |
US5274547A (en) * | 1991-01-03 | 1993-12-28 | Credco Of Washington, Inc. | System for generating and transmitting credit reports |
US5239462A (en) * | 1992-02-25 | 1993-08-24 | Creative Solutions Groups, Inc. | Method and apparatus for automatically determining the approval status of a potential borrower |
US5611052A (en) * | 1993-11-01 | 1997-03-11 | The Golden 1 Credit Union | Lender direct credit evaluation and loan processing system |
US5797133A (en) * | 1994-08-31 | 1998-08-18 | Strategic Solutions Group, Inc | Method for automatically determining the approval status of a potential borrower |
US5809478A (en) * | 1995-12-08 | 1998-09-15 | Allstate Insurance Company | Method for accessing and evaluating information for processing an application for insurance |
Non-Patent Citations (13)
Title |
---|
BUSINESS CREDIT, vol. 100, no. 1, January 1998 (1998-01-01), pages 16 - 17 * |
BUSINESS WEEK, no. 3599, 12 October 1998 (1998-10-12), pages 16 * |
CREDIT UNION EXECUTIVE, vol. 36, no. 5, September 1996 (1996-09-01) - October 1996 (1996-10-01), pages 8(5) * |
DATABASE DIALOG FILE 148 GALE GROUP TRADE & IND. DB; "Reps Offers Customers Instant Credit Approval (Trans Leasing International's Instant Access Program" * |
DATABASE DIALOG FILE 148 GALE GROUP TRADE & INDUSTRY DB; SCHMITT, S.: "CUs and Remote Services (Credit Unions Computer-based Remote Services" * |
DATABASE DIALOG FILE 148 GALE GROUP TRADE & INDUSTRY DB; SULLIVAN, D.: "Scoring Borrower Risk (Credit Scoring)" * |
DATABASE DIALOG FILE 15 ABI/INFORM; BRILL. J.: "The Importance of Credit Scoring Models in Improving Cash Flow and Collections" * |
DATABASE DIALOG FILE 268. BANKING INFOMATION SOURCE; MCGINNIS, P.: "The Place of Technology in Generating Credit Opportunities" * |
DATABASE DIALOG FILE 623 BUSINESS WEEK; MIDDLETON TIMOTHY: "Lending by the Numbers: Credit-review Software is Cooly Objective, How wil you fare" * |
HEALTH INDUSTRY TODAY, vol. 54, no. 4, April 1991 (1991-04-01), pages 20(1) * |
JOURNAL OF LENDING & CREDIT RISK MANAGEMENT, vol. 79, no. 10, June 1997 (1997-06-01), pages 15 - 24 * |
MORTGAGE BANKING, vol. 55, no. 2, November 1994 (1994-11-01), pages 94(5) * |
See also references of EP1222555A4 * |
Cited By (18)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6374230B1 (en) * | 1997-03-12 | 2002-04-16 | Walker Digital, Llc | Method, apparatus and program for customizing credit accounts |
US8001043B1 (en) | 1997-03-12 | 2011-08-16 | Walker Digital, Llc | Method, apparatus, and program for customizing credit accounts |
US7318046B1 (en) | 1998-03-05 | 2008-01-08 | American Management Systems, Inc. | Collector's account payment promise option advisory apparatus and method |
US7006994B1 (en) | 1999-07-16 | 2006-02-28 | American Management Systems, Inc. | Automated receivables management system |
US7552866B2 (en) * | 2005-10-24 | 2009-06-30 | American Express Travel Related Services Company, Inc. | System and method for transferring a financial transaction account according to predetermined criteria |
US10068208B2 (en) | 2007-12-21 | 2018-09-04 | Metabank | Transfer account systems, computer program products, and associated computer-implemented methods |
US9251511B2 (en) | 2007-12-21 | 2016-02-02 | Metabank | Transfer account systems, computer program products, and associated computer-implemented methods |
US10706397B2 (en) | 2007-12-21 | 2020-07-07 | Metabank | Transfer account machine, non-transitory computer medium having computer program, and associated computer-implemented method |
US10515405B2 (en) | 2008-03-03 | 2019-12-24 | Metabank | Person-to-person lending program product, system, and associated computer-implemented methods |
WO2009124270A1 (en) * | 2008-04-04 | 2009-10-08 | Metabank | System, program product, and associated methods to autodraw for micro-credit attached to a prepaid card |
US11227331B2 (en) | 2008-05-14 | 2022-01-18 | Metabank | System, program product, and computer-implemented method for loading a loan on an existing pre-paid card |
US9508067B2 (en) | 2008-09-04 | 2016-11-29 | Metabank | System, program product and methods for retail activation and reload associated with partial authorization transactions |
US9785922B2 (en) | 2008-11-26 | 2017-10-10 | Metabank | Machine, methods, and program product for electronic inventory tracking |
US9990612B2 (en) | 2008-11-26 | 2018-06-05 | Metabank | Machine, methods, and program product for electronic inventory tracking |
US9665855B2 (en) | 2008-11-26 | 2017-05-30 | Metabank | Machine, methods, and program product for electronic inventory tracking |
US9767451B2 (en) | 2009-02-04 | 2017-09-19 | Metabank | System and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods |
US10318980B2 (en) | 2009-09-28 | 2019-06-11 | Metabank | Computer-implemented methods, computer program products, and machines for management and control of a loyalty rewards network |
GB2535072B (en) * | 2013-09-30 | 2020-02-05 | Hong Kong Modern Tech Limited | Fluid heat exchanger and energy recycling device |
Also Published As
Publication number | Publication date |
---|---|
EP1222555A1 (en) | 2002-07-17 |
EP1222555A4 (en) | 2002-07-17 |
BR0009527A (en) | 2003-03-05 |
MXPA01009959A (en) | 2003-07-14 |
AU4060800A (en) | 2000-10-23 |
CA2403260A1 (en) | 2000-10-12 |
WO2000060487A8 (en) | 2000-12-14 |
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