Automated online underwriting
First Claim
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1. A user interface comprising:
- a first area for presenting a financial exposure associated with an entity;
a second area for presenting a repayment rating associated with the entity, the repayment rating based at least on a repayment history of the entity; and
a third area for presenting a credit score associated with the entity.
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Abstract
A user interface for evaluating an underwriting decision is described. The user interface includes in some aspects a first area for presenting a financial exposure associated with an entity, the financial exposure including at least an indication of an outstanding loan balance of the entity, a second area for presenting a repayment rating associated with the entity, and a third area for presenting a credit score associated with the entity, the credit score based at least on demographic information associated with the entity, wherein the repayment rating is presented in the second area if an appropriate repayment history associated with the entity is available, and wherein the credit score is presented in the third area if the appropriate repayment history is not available.
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Citations
31 Claims
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1. A user interface comprising:
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a first area for presenting a financial exposure associated with an entity;
a second area for presenting a repayment rating associated with the entity, the repayment rating based at least on a repayment history of the entity; and
a third area for presenting a credit score associated with the entity. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A computer-readable medium storing processor-executable process steps to present a user interface, the steps comprising:
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a step to present a first area of the user interface, the first area presenting a financial exposure associated with an entity;
a step to present a second area of the user interface, the second area presenting a repayment rating associated with the entity, the repayment rating based at least on a repayment history of the entity; and
a step to present a third area of the user interface, the third area presenting a credit score associated with the entity. - View Dependent Claims (17, 18, 19, 20, 21, 22)
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23. An apparatus comprising:
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a processor; and
a storage device in communication with the processor and storing instructions adapted to be executed by the processor to;
present a first area of the user interface, the first area presenting a financial exposure associated with an entity;
present a second area of the user interface, the second area presenting a repayment rating associated with the entity, the repayment rating based at least on a repayment history of the entity; and
present a third area of the user interface, the third area presenting a credit score associated with the entity. - View Dependent Claims (24, 25, 26, 27, 28, 29)
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30. A system comprising:
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a data repository storing information associated with a plurality of entities; and
a device for receiving a user interface created based on the stored information, the user interface comprising;
a first area for presenting a financial exposure associated with an entity based on the stored information;
a second area for presenting a repayment rating associated with the entity, the repayment rating based at least on a repayment history of the entity stored in the data repository; and
a third area for presenting a credit score associated with the entity, the credit score based at least on demographic information stored in the data repository.
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31. A user interface for evaluating an underwriting decision, comprising:
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a first area for presenting a financial exposure associated with an entity, the financial exposure including at least an indication of an outstanding loan balance of the entity;
a second area for presenting a repayment rating associated with the entity; and
a third area for presenting a credit score associated with the entity, the credit score based at least on demographic information associated with the entity, wherein the repayment rating is presented in the second area if an appropriate repayment history associated with the entity is available, and wherein the credit score is presented in the third area if the appropriate repayment history is not available.
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Specification
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Current AssigneeGeneral Electric Capital Corporation (General Electric Company)
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Original AssigneeGeneral Electric Capital Corporation (General Electric Company)
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InventorsKanchanasthiti, Niti, Piyakulvorarat, Waiyot, Landaeng, Kittikhun, Sinsombat, Boonlerd, Kongyingyong, Phanporn, Mak, Terence, Sayasaywee, Preeyanuch, Hanpanich, Salisa
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Application NumberUS10/165,664Publication NumberTime in Patent OfficeDaysField of SearchUS Class Current705/35CPC Class CodesG06Q 10/10 Office automation; Time man...G06Q 40/00 Finance; Insurance; Tax str...
