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:
Sep. 17, 2013
Filed:
May. 08, 2003
Cynthia M. Chan, San Jose, CA (US);
Chiun-feng Hsiao, Belmont, CA (US);
Hwee Har Yeap, San Mateo, CA (US);
Yi Yang, Foster City, CA (US);
Lindy Hau-in Chan, Elk Grove, CA (US);
Jing Gu, Foster City, CA (US);
Caroline Muralitharan, San Jose, CA (US);
Nardo B. Catahan, Jr., South San Francisco, CA (US);
Blair Thomas Wheadon, San Francisco, CA (US);
Edward Ming Chao, Fremont, CA (US);
Agnes Le Yuan Hong, San Mateo, CA (US);
Cynthia M. Chan, San Jose, CA (US);
Chiun-Feng Hsiao, Belmont, CA (US);
Hwee Har Yeap, San Mateo, CA (US);
Yi Yang, Foster City, CA (US);
Lindy Hau-In Chan, Elk Grove, CA (US);
Jing Gu, Foster City, CA (US);
Caroline Muralitharan, San Jose, CA (US);
Nardo B. Catahan, Jr., South San Francisco, CA (US);
Blair Thomas Wheadon, San Francisco, CA (US);
Edward Ming Chao, Fremont, CA (US);
Agnes Le Yuan Hong, San Mateo, CA (US);
Siebel Systems, Inc., San Mateo, CA (US);
Abstract
A data model that allows for relationships between entities, also referred to as parties, to be modeled as attributes of an entity and for customization of the data model in a manner that facilitates upgrading of the data model. In some embodiments, the data model may facilitate creation and processing of financial applications. Using the data model, received application data can be stored in a financial application record, including data relating to a party's financial statements. In some embodiments, the data model may facilitate management of financial account data for multiple accounts. In some embodiments the data model may facilitate management of credit information, such as credit information collected by credit bureaus.