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ONLINE LOAN APPLICATION SYSTEM USING BORROWER PROFILE INFORMATION THROUGH A BACKGROUND SEARCH PROCESS

  • US 20110313884A1
  • Filed: 06/17/2011
  • Published: 12/22/2011
  • Est. Priority Date: 04/14/2006
  • Status: Abandoned Application
First Claim
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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.

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