Credit enhancement systems and methods
First Claim
Patent Images
1. A method of presenting credit information to a customer, the method comprising:
- receiving a credit worthiness report (CWR) for the customer;
providing the CWR to the customer;
providing a list of selectable options to the customer, the options directed to at least one financial activity;
receiving a selected option from the customer; and
providing a revised CWR to the customer in response to the selected option.
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Abstract
The present invention provides methods and systems for presenting financial and credit information to a customer. In one embodiment, the method includes receiving a credit worthiness report (CWR) for the customer, and providing the CWR to the customer. The method includes providing a list of selectable options to the customer, the options directed to at least one financial activity. A selected option is received from the customer, and a revised CWR is provided to the customer in response to the selected option. In this manner, the customer can examine how particular options or activities effect their credit worthiness.
149 Citations
31 Claims
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1. A method of presenting credit information to a customer, the method comprising:
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receiving a credit worthiness report (CWR) for the customer;
providing the CWR to the customer;
providing a list of selectable options to the customer, the options directed to at least one financial activity;
receiving a selected option from the customer; and
providing a revised CWR to the customer in response to the selected option. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A system for presenting credit information to a customer, the system comprising:
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a processor; and
a storage medium coupled to the processor, the storage medium having a computer-readable program embodied therein, the program including code adapted to;
receive a credit worthiness report (CWR) for the customer;
provide the CWR to the customer;
provide a list of selectable options to the customer, the options directed to at least one financial activity;
receive a selected option from the customer; and
provide a revised CWR to the customer in response to the selected option. - View Dependent Claims (15)
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16. A method of presenting financial information to a customer, the method comprising:
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displaying a loan value of a loan, the loan based on an asset having an asset value;
displaying the asset value;
calculating a ratio of the loan value to asset value; and
informing the customer when the ratio is at a desired amount. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28)
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29. A system for presenting financial information to a customer, the system comprising:
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a processor; and
a storage medium coupled to the processor, the storage medium having a computer-readable program embodied therein, the program including code adapted to;
display a loan value of a loan, the loan based on an asset having an asset value;
display the asset value;
calculate a ratio of the loan value to asset value; and
inform the customer when the ratio is at a desired amount. - View Dependent Claims (30, 31)
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Specification