ONLINE LOAN APPLICATION SYSTEM USING BORROWER PROFILE INFORMATION THROUGH A BACKGROUND SEARCH PROCESS
First Claim
1. A method comprising:
- on a first server computer coupled to a client computer operated by a user, receiving a request by the user to purchase an item through an online application form, the request including identification information of the user;
determining whether financing is available for at least part of the purchase request;
transmitting the identification information to a second server, wherein the second server is configured to obtain a measure of the user'"'"'s qualification to obtain the financing through a below-the-line credit check from a credit bureau;
receiving from the second server the measure of the user'"'"'s qualification and comparing it to the requirements of the financing; and
notifying the user that the financing is available if the measure of the user'"'"'s qualification satisfies the requirements of the financing.
2 Assignments
0 Petitions
Accused Products
Abstract
Embodiments of an online credit application system are described. The online credit application system displays a solicitation page requesting user credit score information and a selection of desired loan products. Embodiments include means for receiving a request by the user to purchase an item through an online application form, the request including identification information of the user; means for determining whether financing is available for at least part of the purchase request; means for transmitting the identification information to a second server, wherein the second server is configured to obtain a measure of the user'"'"'s qualification to obtain the financing through a below-the-line credit check from a credit bureau; means for receiving from the second server the measure of the user'"'"'s qualification and comparing it to the requirements of the financing; and means for notifying the user that the financing is available if the measure of the user'"'"'s qualification satisfies the requirements of the financing.
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Citations
12 Claims
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1. A method comprising:
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on a first server computer coupled to a client computer operated by a user, receiving a request by the user to purchase an item through an online application form, the request including identification information of the user; determining whether financing is available for at least part of the purchase request; transmitting the identification information to a second server, wherein the second server is configured to obtain a measure of the user'"'"'s qualification to obtain the financing through a below-the-line credit check from a credit bureau; receiving from the second server the measure of the user'"'"'s qualification and comparing it to the requirements of the financing; and notifying the user that the financing is available if the measure of the user'"'"'s qualification satisfies the requirements of the financing. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A system including a first server computer coupled to a client computer operated by a user, the system comprising:
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means for receiving a request by the user to purchase an item through an online application form, the request including identification information of the user; means for determining whether financing is available for at least part of the purchase request; means for transmitting the identification information to a second server, wherein the second server is configured to obtain a measure of the user'"'"'s qualification to obtain the financing through a below-the-line credit check from a credit bureau; means for receiving from the second server the measure of the user'"'"'s qualification and comparing it to the requirements of the financing; and means for notifying the user that the financing is available if the measure of the user'"'"'s qualification satisfies the requirements of the financing. - View Dependent Claims (8, 9, 10, 11, 12)
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Specification