WO2002029521A8 - System methods and computer program products for offering consumer loans having customized terms for each customer - Google Patents
System methods and computer program products for offering consumer loans having customized terms for each customerInfo
- Publication number
- WO2002029521A8 WO2002029521A8 PCT/US2001/031257 US0131257W WO0229521A8 WO 2002029521 A8 WO2002029521 A8 WO 2002029521A8 US 0131257 W US0131257 W US 0131257W WO 0229521 A8 WO0229521 A8 WO 0229521A8
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- customer
- computer program
- program products
- system methods
- consumer loans
- 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
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- 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
-
- 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
- G06Q40/03—Credit; Loans; Processing thereof
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU2002211466A AU2002211466A1 (en) | 2000-10-05 | 2001-10-05 | System methods and computer program products for offering consumer loans having customized terms for each customer |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US23818600P | 2000-10-05 | 2000-10-05 | |
US60/238,186 | 2000-10-05 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2002029521A2 WO2002029521A2 (en) | 2002-04-11 |
WO2002029521A8 true WO2002029521A8 (en) | 2002-12-19 |
Family
ID=22896838
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2001/031257 WO2002029521A2 (en) | 2000-10-05 | 2001-10-05 | System methods and computer program products for offering consumer loans having customized terms for each customer |
Country Status (3)
Country | Link |
---|---|
US (2) | US8190511B2 (en) |
AU (1) | AU2002211466A1 (en) |
WO (1) | WO2002029521A2 (en) |
Families Citing this family (61)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7062462B1 (en) | 1999-07-26 | 2006-06-13 | The Chase Manhattan Bank | On-line higher education financing system |
US7844475B1 (en) * | 2001-02-06 | 2010-11-30 | Makar Enterprises, Inc. | Method for strategic commodity management through mass customization |
US20020138421A1 (en) * | 2001-03-22 | 2002-09-26 | Monlux Clifford John | On-line financing application services including funding sources, financing program offerings and brokers/vendors association |
US20020138414A1 (en) * | 2001-03-26 | 2002-09-26 | Baker Charles Pitman | Method and system and article of manufacture for a rules based automated loan approval system |
US7089503B1 (en) * | 2001-04-04 | 2006-08-08 | Fannie Mae | Mortgage loan customization system and process |
US20030041019A1 (en) * | 2001-08-15 | 2003-02-27 | Vagim James G. | Methods and systems for deal structuring for automobile dealers |
US7606755B2 (en) * | 2002-01-31 | 2009-10-20 | General Electric Capital Corporation | Systems and methods to automatically generate a return target for a potential real estate deal based on supplemental deal information |
US20040078318A1 (en) * | 2002-02-21 | 2004-04-22 | Miller Hugh I. | System and method for facilitating loan provision |
US7447657B1 (en) * | 2002-03-14 | 2008-11-04 | First Data Corporation | Method and systems for handling method level processing in connection with account pricing |
WO2004061556A2 (en) | 2002-12-30 | 2004-07-22 | Fannie Mae | System and method of processing data pertaining to financial assets |
US8666879B1 (en) | 2002-12-30 | 2014-03-04 | Fannie Mae | Method and system for pricing forward commitments for mortgage loans and for buying committed loans |
US7885889B2 (en) * | 2002-12-30 | 2011-02-08 | Fannie Mae | System and method for processing data pertaining to financial assets |
US20040128230A1 (en) * | 2002-12-30 | 2004-07-01 | Fannie Mae | System and method for modifying attribute data pertaining to financial assets in a data processing system |
US20030225656A1 (en) * | 2003-05-14 | 2003-12-04 | Merrill Lynch And Co. Inc. | Financial instruments and methods |
US7668777B2 (en) | 2003-07-25 | 2010-02-23 | Jp Morgan Chase Bank | System and method for providing instant-decision, financial network-based payment cards |
US7814004B2 (en) | 2004-10-29 | 2010-10-12 | American Express Travel Related Services Company, Inc. | Method and apparatus for development and use of a credit score based on spend capacity |
US8543499B2 (en) | 2004-10-29 | 2013-09-24 | American Express Travel Related Services Company, Inc. | Reducing risks related to check verification |
US7792732B2 (en) | 2004-10-29 | 2010-09-07 | American Express Travel Related Services Company, Inc. | Using commercial share of wallet to rate investments |
US7822665B2 (en) * | 2004-10-29 | 2010-10-26 | American Express Travel Related Services Company, Inc. | Using commercial share of wallet in private equity investments |
US20060242050A1 (en) * | 2004-10-29 | 2006-10-26 | American Express Travel Related Services Company, Inc. | Method and apparatus for targeting best customers based on spend capacity |
US20060242048A1 (en) * | 2004-10-29 | 2006-10-26 | American Express Travel Related Services Company, Inc. | Method and apparatus for determining credit characteristics of a consumer |
US8086509B2 (en) | 2004-10-29 | 2011-12-27 | American Express Travel Related Services Company, Inc. | Determining commercial share of wallet |
US8630929B2 (en) | 2004-10-29 | 2014-01-14 | American Express Travel Related Services Company, Inc. | Using commercial share of wallet to make lending decisions |
US20070016500A1 (en) * | 2004-10-29 | 2007-01-18 | American Express Travel Related Services Co., Inc. A New York Corporation | Using commercial share of wallet to determine insurance risk |
US8204774B2 (en) | 2004-10-29 | 2012-06-19 | American Express Travel Related Services Company, Inc. | Estimating the spend capacity of consumer households |
US20070016501A1 (en) | 2004-10-29 | 2007-01-18 | American Express Travel Related Services Co., Inc., A New York Corporation | Using commercial share of wallet to rate business prospects |
US20060106695A1 (en) * | 2004-11-12 | 2006-05-18 | International Business Machines Corporation | Real-time credit rating using a single financial account |
US7685064B1 (en) | 2004-11-30 | 2010-03-23 | Jp Morgan Chase Bank | Method and apparatus for evaluating a financial transaction |
WO2006089588A1 (en) * | 2005-02-24 | 2006-08-31 | Swiss Reinsurance Company | Automated risk monitoring method and system |
US7797230B1 (en) * | 2005-06-02 | 2010-09-14 | The Pnc Financial Services Group, Inc. | Systems and methods for credit management risk rating and approval |
US7925578B1 (en) | 2005-08-26 | 2011-04-12 | Jpmorgan Chase Bank, N.A. | Systems and methods for performing scoring optimization |
US7860767B1 (en) * | 2005-09-30 | 2010-12-28 | Morgan Stanley | Systems and methods for financing multiple asset classes of collateral |
US8489497B1 (en) * | 2006-01-27 | 2013-07-16 | Jpmorgan Chase Bank, N.A. | Online interactive and partner-enhanced credit card |
US7711636B2 (en) | 2006-03-10 | 2010-05-04 | Experian Information Solutions, Inc. | Systems and methods for analyzing data |
US20070265957A1 (en) * | 2006-05-10 | 2007-11-15 | Asheesh Advani | System and method for automated flexible person-to-person lending |
US20070271175A1 (en) * | 2006-05-17 | 2007-11-22 | Dennis Shaden | System, method and apparatus for brokering loan applications |
US7958048B2 (en) * | 2006-06-30 | 2011-06-07 | Corelogic Information Solutions, Inc. | Method and apparatus for predicting outcomes of a home equity line of credit |
US8036979B1 (en) | 2006-10-05 | 2011-10-11 | Experian Information Solutions, Inc. | System and method for generating a finance attribute from tradeline data |
US7774253B1 (en) * | 2006-10-27 | 2010-08-10 | Bank Of America Corporation | Margin reserve in lending |
US8239250B2 (en) | 2006-12-01 | 2012-08-07 | American Express Travel Related Services Company, Inc. | Industry size of wallet |
US8706604B1 (en) | 2007-03-21 | 2014-04-22 | Jpmorgan Chase Bank, N.A. | System and method for hedging risks in commercial leases |
US20080294540A1 (en) | 2007-05-25 | 2008-11-27 | Celka Christopher J | System and method for automated detection of never-pay data sets |
US20090024539A1 (en) * | 2007-07-16 | 2009-01-22 | Decker Christopher L | Method and system for assessing credit risk in a loan portfolio |
US20090171687A1 (en) * | 2007-12-31 | 2009-07-02 | American Express Travel Related Services Company, Inc. | Identifying Industry Passionate Consumers |
US7814008B2 (en) * | 2008-02-29 | 2010-10-12 | American Express Travel Related Services Company, Inc. | Total structural risk model |
US20100023374A1 (en) * | 2008-07-25 | 2010-01-28 | American Express Travel Related Services Company, Inc. | Providing Tailored Messaging to Customers |
US20100228664A1 (en) * | 2009-03-04 | 2010-09-09 | United Parcel Service Of America, Inc. | Identity validation for financial transactions |
US8515841B2 (en) * | 2010-09-10 | 2013-08-20 | Bank Of America Corporation | Financial product application pull-through system |
US8930262B1 (en) | 2010-11-02 | 2015-01-06 | Experian Technology Ltd. | Systems and methods of assisted strategy design |
US8442886B1 (en) | 2012-02-23 | 2013-05-14 | American Express Travel Related Services Company, Inc. | Systems and methods for identifying financial relationships |
US9477988B2 (en) | 2012-02-23 | 2016-10-25 | American Express Travel Related Services Company, Inc. | Systems and methods for identifying financial relationships |
US8473410B1 (en) | 2012-02-23 | 2013-06-25 | American Express Travel Related Services Company, Inc. | Systems and methods for identifying financial relationships |
US8781954B2 (en) | 2012-02-23 | 2014-07-15 | American Express Travel Related Services Company, Inc. | Systems and methods for identifying financial relationships |
US8538869B1 (en) | 2012-02-23 | 2013-09-17 | American Express Travel Related Services Company, Inc. | Systems and methods for identifying financial relationships |
US20140324673A1 (en) * | 2013-04-30 | 2014-10-30 | Bank Of America Corporation | Cross Border Competencies Tool |
US20150019400A1 (en) * | 2013-07-10 | 2015-01-15 | San Diego County Credit Union | Flexible payment loan methods and systems |
US10949888B1 (en) * | 2014-09-10 | 2021-03-16 | Square, Inc. | Geographically targeted, time-based promotions |
US10366451B2 (en) * | 2016-01-27 | 2019-07-30 | Huawei Technologies Co., Ltd. | System and method for prediction using synthetic features and gradient boosted decision tree |
JP5996815B1 (en) * | 2016-02-19 | 2016-09-21 | ヤフー株式会社 | Distribution apparatus, distribution method, distribution program, and distribution system |
US20200372531A1 (en) | 2019-05-23 | 2020-11-26 | Capital One Services, Llc | System and method for providing consistent pricing information |
CN110390511A (en) * | 2019-06-20 | 2019-10-29 | 深圳壹账通智能科技有限公司 | The credit applications measures and procedures for the examination and approval, device, equipment and storage medium |
Family Cites Families (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6405181B2 (en) * | 1998-11-03 | 2002-06-11 | Nextcard, Inc. | Method and apparatus for real time on line credit approval |
-
2001
- 2001-10-05 WO PCT/US2001/031257 patent/WO2002029521A2/en active Application Filing
- 2001-10-05 AU AU2002211466A patent/AU2002211466A1/en not_active Abandoned
- 2001-10-05 US US09/972,785 patent/US8190511B2/en not_active Expired - Fee Related
-
2012
- 2012-05-09 US US13/467,963 patent/US8489503B2/en not_active Expired - Fee Related
Also Published As
Publication number | Publication date |
---|---|
WO2002029521A2 (en) | 2002-04-11 |
US20120246061A1 (en) | 2012-09-27 |
US20020123960A1 (en) | 2002-09-05 |
AU2002211466A1 (en) | 2002-04-15 |
US8489503B2 (en) | 2013-07-16 |
US8190511B2 (en) | 2012-05-29 |
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