Nextcard, Inc.

Glam Media, Inc.

Ning, Inc.

Dermot Martin Gately

Eric Reed Meeks

Steven P Vassallo

Timothy J Coltrell

Jeremy R Lent

David W Dowhan

Mary Lent

Yinzi Cai

Marc L Andreessen

David Sklar

A hosted application server system and method are disclosed. The hosted application server system includes an interface for receiving a request from one of a plurality of users, a runtime environment for running a plurality of independent applications, a core configured to receive and respond to a request from one of the applications, and an interface for sending a response to the user. The core can have access to a shared data model.

Hosted application server

Interacting with a shared data model is disclosed. Interacting includes requesting information associated with an attribute from the shared data model, forming a request for content based on the information, and sending the request.

Interacting with a shared data model

A system and method are disclosed for presenting a reason for the rejection of 5 a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.

Method and apparatus for a verifiable on line rejection of an applicant for credit

A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.

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San Bruno, CA, United States of America

Dermot Martin Gately