The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Nov. 26, 2019
Filed:
Feb. 23, 2015
Credible Labs Inc., San Francisco, CA (US);
Stephen James Dash, San Francisco, CA (US);
George Matthew Raptis, New York, NY (US);
Brian Gregory Lucas, San Francisco, CA (US);
Credible Labs, Inc., San Francisco, CA (US);
Abstract
The present invention involves a system and method for coordinating the centralization of the submission of requests for offers for credit and receipt of offers for credit between an internet user and a plurality of lending institutions via the internet. This method involves the use of a single offer request form, which is the combination of required lender information from consumer credit processes, and the receipt of information from the user, and various semi-automated online processes, to populate that single offer request form. After receiving this data, a special computer, or server, sorts the information and applies a filter to the data. The filter prepares that information for submission to lending institutions so that the lending institution may process the information and make a decision as to whether to offer the internet user credit. Once the data has been filtered, it is transmitted to a multiple number of lending institutions, or alternatively evaluated using a model of the lending institutions criteria. The method then allows for the lending institutions to submit responses on the information submitted back to the user and for those responses to be controlled and coordinated and displayed on an online account specific to the internet user via the internet.