APPARATUS, SYSTEM AND COMPUTER PROGRAM PRODUCT FOR A PAPERLESS CREDIT APPLICATION PROCESS
First Claim
1. An apparatus comprising:
- a processor configured to;
receive one or more items of information in the form of handwritten text, said items of information forming a completed credit application;
create an image of the completed credit application including the one or more items of information in the form of handwritten text;
translate the completed credit application into a digitized text file; and
transmit the image and the digitized text file, wherein once the image and the digitized text file have been transmitted, no record of the items of information remains on the apparatus.
1 Assignment
0 Petitions
Accused Products
Abstract
An apparatus, system and computer program product are provided for a paperless credit application process. Using the apparatus, system and computer program product a customer may enter a dealership, complete a credit application, obtain a credit report, provide any necessary supporting documentation, and receive credit allowance determination, without a physical document ever being created. The system may include a Tablet, through which the customer can complete and transmit an electronic credit application, wherein no record of the completed credit application or the information input by the customer remains on the Tablet. A Finance Server may receive the credit application and create an electronic file or “deal jacket” associated with the customer, in which the credit application and any other information associated with the customer may be stored. The Finance Server may then provide a web-based interface for accessing the deal jacket from any physical location via a secure communication channel.
41 Citations
54 Claims
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1. An apparatus comprising:
a processor configured to; receive one or more items of information in the form of handwritten text, said items of information forming a completed credit application; create an image of the completed credit application including the one or more items of information in the form of handwritten text; translate the completed credit application into a digitized text file; and transmit the image and the digitized text file, wherein once the image and the digitized text file have been transmitted, no record of the items of information remains on the apparatus. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. An apparatus comprising:
a processor configured to; receive an image of a completed credit application associated with a customer, said image including one or more items of information in the form of handwritten text; receive a digitized text file of the completed credit application; store the image and digitized text file in an electronic file associated with the customer; extract from the digitized text file a unique customer identifier associated with the customer; and transmit a request for a credit report associated with the customer, said request including the extracted unique customer identifier. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20)
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21. A system comprising:
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a tablet personal computer configured to; receive one or more items of information in the form of handwritten text, said items of information forming a completed credit application associated with a customer; create an image of the completed credit application including the one or more items of information in the form of handwritten text; translate the completed credit application into a digitized text file; and transmit the image and the digitized text file, wherein once the image and the digitized text file have been transmitted, no record of the items of information remains on the tablet personal computer; and a finance server configured to; receive the image and the digitized text file from the tablet personal computer over a wireless network; create an electronic file associated with the customer, said electronic file storing the image and digitized text file received; and provide access to the electronic file via a web-based interface. - View Dependent Claims (22, 23, 24)
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25. A computer program product comprising at least one computer-readable storage medium having computer-readable program code portions stored therein, the computer-readable program code portions comprising:
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a first executable portion for receiving one or more items of information in the form of handwritten text, said items of information forming a completed credit application; a second executable portion for creating an image of the completed credit application including the one or more items of information in the form of handwritten text; a third executable portion for translating the completed credit application into a digitized text file; and a fourth executable portion for transmitting the image and the digitized text file, wherein once the image and the digitized text file have been transmitted, no record of the items of information remains on the apparatus. - View Dependent Claims (26, 27)
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28. A computer program product comprising at least one computer-readable storage medium having computer-readable program code portions stored therein, the computer-readable program code portions comprising:
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a first executable portion for receiving an image of a completed credit application associated with a customer, said image including one or more items of information in the form of handwritten text; a second executable portion for receiving a digitized text file of the completed credit application; a third executable portion for storing the image and digitized text file in an electronic file associated with the customer; a fourth executable portion for extracting from the digitized text file a unique customer identifier associated with the customer; and a fifth executable portion for transmitting a request for a credit report associated with the customer, said request including the extracted unique customer identifier. - View Dependent Claims (29, 30, 31)
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32. A system comprising:
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a computer configured to; receive one or more items of information forming a completed credit application associated with a customer; receive an image providing authentication that the completed credit application is associated with the customer; translate the one or more items of information into a digitized text file; and transmit the image and the digitized text file, wherein once the image and the digitized text file have been transmitted, no record of the items of information remains on the computer; and a finance server configured to; receive the image and the digitized text file from the computer over a wireless network; create an electronic file associated with the customer, said electronic file storing the image and digitized text file received; and provide access to the electronic file via a web-based interface. - View Dependent Claims (33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54)
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Specification