Computer implemented automated credit application analysis and decision routing system
First Claim
1. A credit application and routing system comprising:
- a processor having and executing a program and operational to;
selectively receive credit application data associated with respective applicants from at least one applicant terminal device;
selectively forward the credit application data to at least one funding source terminal device; and
selectively forward funding decision data from the at least one funding source terminal device to the respective at least one applicant terminal device; and
coupling means for coupling said central processor to a communications medium to thereby enable the sending and receiving of the credit application data and the funding decision data over the communications medium.
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Accused Products
Abstract
A credit application and routing system includes a central processor having and executing a program. The system includes data input capabilities for selectively receiving credit application data from respective applicants at remote locations, and routing capabilities for selectively forwarding the credit application data to remote funding sources and selectively forwarding funding decision data from the funding sources to the respective applicants. The computer program includes routines for receiving a credit application from at least one remote application input and display device, for selectively forwarding a received credit application to at least one finding source, for receiving a finding decision from the at least one finding source, and for forwarding a received funding decision to the at least one remote application input and display device. The system can also obtain credit report data from credit bureaus, and analyze and summarize the credit report data. A computer readable storage medium has a substrate physically configured to represent the computer program which causes a computer to provide the credit application and routing system.
113 Citations
18 Claims
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1. A credit application and routing system comprising:
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a processor having and executing a program and operational to;
selectively receive credit application data associated with respective applicants from at least one applicant terminal device;
selectively forward the credit application data to at least one funding source terminal device; and
selectively forward funding decision data from the at least one funding source terminal device to the respective at least one applicant terminal device; and
coupling means for coupling said central processor to a communications medium to thereby enable the sending and receiving of the credit application data and the funding decision data over the communications medium. - View Dependent Claims (2, 11, 12, 13, 14)
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- 3. A credit application and routing system including a central processor having and executing a program for selectively forwarding credit application data from at least one respective applicant to at least one funding source and for receiving funding decision data from the at least one funding source.
Specification