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Online purchasing system supporting lenders with affordability screening

  • US 8,256,668 B2
  • Filed: 09/01/2011
  • Issued: 09/04/2012
  • Est. Priority Date: 03/21/2000
  • Status: Expired due to Term
First Claim
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1. A credit management system comprising:

  • at least one web page presenting a credit application;

    at least one credit approval criterion;

    a credit approval engine;

    a server system of a first entity responding to client input regarding the credit application by causing the credit approval engine to analyze the credit application based on the at least one credit approval criterion, the server automatically communicating an approval of the credit application to the client if the credit application meets the at least one credit approval criterion; and

    the server system responding to further input from or approved by the client, by communicating the approval or the credit application to another server system or computing device of a second entity to facilitate a transaction, based on the approved credit, by the client with the second entity.

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