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ASP Business Decision Engine

  • US 20080114674A1
  • Filed: 01/09/2008
  • Published: 05/15/2008
  • Est. Priority Date: 02/21/2001
  • Status: Active Grant
First Claim
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1. A credit application process, comprising the steps of:

  • receiving a credit application;

    accessing and manipulating credit bureau data in connection with said credit application;

    accessing credit scoring in connection with said credit application;

    accessing credit decisioning in connection with said credit application;

    determining if credit is to be granted, refused, or if further review is necessary; and

    if credit is to be granted, selecting at least one credit product on behalf of a lending institution from a plurality of credit products, said at least one credit product being a best fit to said credit application that results from said accessing steps;

    wherein said accessing steps are provided via a single application service provider (ASP) platform and accessible through a standard API.

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