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    • 3. 发明授权
    • Method and system for rapid loan approval
    • 快速贷款审批方式和制度
    • US07933833B2
    • 2011-04-26
    • US11469467
    • 2006-08-31
    • Stephen HotzJennifer KellyKrishnamoorthy SrinivasanAjay Kumar Jindia
    • Stephen HotzJennifer KellyKrishnamoorthy SrinivasanAjay Kumar Jindia
    • G06Q40/00
    • G06Q40/02G06Q20/042G06Q20/10G06Q20/108G06Q20/382G06Q30/0241G06Q30/0609G06Q40/00G06Q40/025G06Q40/04
    • A method and apparatus for rapidly and remotely providing temporary credit to a borrower is provided. In one embodiment, a lender uses as one criterion in approving the temporary credit a minimum number of deposits within a predetermined deposit verification time. Upon receipt of a request for credit, which may come either from a prospective borrower or from a merchant upon denial of credit to the prospective borrower, a lender queries a deposit account to determine whether a predetermined minimum number of deposits has been made within a predetermined deposit verification time. The lender may also determine whether each of the deposits exceeds a minimum deposit amount. Where approved, the lender is able to rapidly dispense funds for use by the borrower. In one embodiment, the lender makes these funds available via a pre-paid credit card. The lender is then able to collect principal and interest through electronic withdrawals.
    • 提供了一种快速远程向借款人提供临时信用的方法和装置。 在一个实施例中,放贷人在预定的存款验证时间内使用批准临时贷款最低数量的存款的一个标准。 在收到信用请求后,可能来自潜在的借款人或从商家拒绝向潜在的借款人提供贷款,贷方询问存款帐户以确定在预定的期限内是否已经制定了预定的最低数量的存款 存款验证时间。 贷款人还可以确定每个存款是否超过最低存款金额。 经批准,贷款人能够快速分配借款人使用的资金。 在一个实施例中,贷款人通过预付费信用卡使这些资金可用。 贷款人然后可以通过电子提款收取本金和利息。
    • 4. 发明申请
    • Method and System for Rapid Loan Approval
    • 快速贷款批准的方法和制度
    • US20080059363A1
    • 2008-03-06
    • US11469467
    • 2006-08-31
    • Stephen HotzJennifer KellyKrishnamoorthy SrinivasanAjay Kumar Jindia
    • Stephen HotzJennifer KellyKrishnamoorthy SrinivasanAjay Kumar Jindia
    • G06Q40/00
    • G06Q40/02G06Q20/042G06Q20/10G06Q20/108G06Q20/382G06Q30/0241G06Q30/0609G06Q40/00G06Q40/025G06Q40/04
    • A method and apparatus for rapidly and remotely providing temporary credit to a borrower is provided. In one embodiment, a lender uses as one criterion in approving the temporary credit a minimum number of deposits within a predetermined deposit verification time. Upon receipt of a request for credit, which may come either from a prospective borrower or from a merchant upon denial of credit to the prospective borrower, a lender queries a deposit account to determine whether a predetermined minimum number of deposits has been made within a predetermined deposit verification time. The lender may also determine whether each of the deposits exceeds a minimum deposit amount. Where approved, the lender is able to rapidly dispense funds for use by the borrower. In one embodiment, the lender makes these funds available via a pre-paid credit card. The lender is then able to collect principal and interest through electronic withdrawals.
    • 提供了一种快速远程向借款人提供临时信用的方法和装置。 在一个实施例中,放贷人在预定的存款验证时间内使用批准临时贷款最低数量的存款的一个标准。 在收到信用请求后,可能来自潜在的借款人或从商家拒绝向潜在的借款人提供贷款,贷方询问存款帐户以确定在预定的期限内是否已经制定了预定的最低数量的存款 存款验证时间。 贷款人还可以确定每个存款是否超过最低存款金额。 经批准,贷款人能够快速分配借款人使用的资金。 在一个实施例中,贷款人通过预付费信用卡使这些资金可用。 贷款人然后可以通过电子提款收取本金和利息。