Kabbage, Inc.

American Express Kabbage Inc.

Compucredit Intellectual Property Holdings Corp. Ii

Other

American Express Travel Related Services Company, Inc.

Ccip Corp.

Kathryn Petralia

Robert Frohwein

Marc Gorlin

Rob Frohwein

Troy Adam Deus

Kathryn Honderd O'Day

Chuck Kyriacos Papageorgiou

Robert J Frohwein

A method, apparatus, and computer readable storage to implement a lending system for use with electronic commerce web sites such as auction sites. A seller may receive a cash loan for items placed for sale but not yet purchased by a buyer. The seller can be required to pay back the loan after a predetermined amount of time or as soon as the item for sale is sold and payment is received from the buyer. The lender would charge interest or commission for the loan. In this manner, sellers can receive cash for items listed on auction sites before those items are actually sold, generating additional cash flow for the seller.

Apparatus to provide liquid funds in the online auction environment

A method, apparatus, and computer readable storage to implement a lending or cash advance system that can be (but is not required to be) integrated with an online commerce site. Sellers on the online commerce site can click a button or tab in their web browser that is visiting the online commerce site and information known to the online commerce site is automatically shared with a potential cash provider. The information can include sales data related to the seller's business on the online commerce site that can be applied to a formula used by a cash provider to evaluate the risk associated with lending the seller cash. A financial account used by the seller can rapidly receive the cash loan (if approved) and payments received by the seller from buyers would go into this financial account which is then used to automatically pay the cash provider back at agreed upon terms.

A method, apparatus, and computer readable storage to implement an issuance of a virtual credit card. The virtual credit card can be issued instantaneously and can thereafter be associated with a physical credit card. The virtual credit card and the physical credit card can be serviced by the same account at the same bank.

System, method and computer readable storage for enabling an instantaneous instrument

A distributed system that includes a merchant application, a buyer application and a seller or drummer application. The applications reside and run on personal computing devices and operate together to allow a merchant to create an offer, drummers to select, present and share the offer with buyers, and buyers to receive and save the offers in anticipation of a conversion. Upon a conversion, revenue derived from the transaction is provided to the merchant but, some of revenue is shared with one or more drummers involved in pushing the offer.

Distributed system to enable dynamic, on-demand sales force with merchant, seller and buyer networked

Method and apparatus to evaluate and provide funds in online environments

A method, apparatus, and computer readable storage to implement a lending or cash advance system that can be (but is not required to be) integrated with an online commerce site. Sellers on the online commerce site can click a button or tab in their web browser that is visiting the online commerce site and information known to the online commerce site is automatically shared with a potential cash provider. Data from a delivery service can be automatically retrieved by the cash provider/cash server in order to determine the volume of shipments that the seller has been making. This volume can be used when the cash server determines the seller's score in order to evaluate an application for cash.

A method, apparatus, and computer readable storage utilize optical character recognition to authentic a transaction. Optical character recognition is used on a physical instrument and data obtained from the optical character recognition is used to query a remote database. Identification information from the remote database is compared with data obtained from the optical character recognition to determine whether there is an inconsistency of data.

System, method and computer readable storage to utilize optical recognition to detect a transaction inconsistency

Apparatus to provide liquid funds in the online auction and marketplace environment

MethodsA system and methodfor providing financial instruments to customers and applicants of a service provider are disclosed. One method, among others, includes providing a device such as a mobile telephone to a user, and providing the user with a contactless card having a financial account identifier that is associated with a financial account.

Growing community of inventors

Atlanta, GA, United States of America

Kathryn Petralia