| 54 |
Titel |
TI |
[DE] FINANZIELLES TRANSAKTIONSVERFAHREN UND GERÄT MIT GESCHLOSSENER SCHLEIFE
[EN] CLOSED LOOP FINANCIAL TRANSACTION METHOD AND APPARATUS
[FR] PROCEDE ET APPAREIL DE TRANSACTION FINANCIERE EN BOUCLE FERMEE |
| 71/73 |
Anmelder/Inhaber |
PA |
AFFINITY TECHNOLOGY INC, US
|
| 72 |
Erfinder |
IN |
NORRIS JEFFREY A, US
|
| 22/96 |
Anmeldedatum |
AD |
24.08.1994 |
| 21 |
Anmeldenummer |
AN |
94927260 |
|
Anmeldeland |
AC |
EP |
|
Veröffentlichungsdatum |
PUB |
04.07.2001 |
33
31
32 |
Priorität |
PRC
PRN
PRD |
US
11320593
27.08.1993
|
33
31
32 |
PRC
PRN
PRD |
US
9409716
24.08.1994
|
| 51 |
IPC-Hauptklasse |
ICM |
G06F 17/60
|
| 51 |
IPC-Nebenklasse |
ICS |
G07F 7/08
G07F 7/10
|
|
IPC-Zusatzklasse |
ICA |
|
|
IPC-Indexklasse |
ICI |
|
|
Gemeinsame Patentklassifikation |
CPC |
G06Q 20/10
G06Q 20/108
G06Q 20/1085
G06Q 20/18
G06Q 20/4037
G06Q 40/00
G06Q 40/02
G06Q 40/03
G07F 19/20
G07F 7/08
|
|
MCD-Hauptklasse |
MCM |
|
|
MCD-Nebenklasse |
MCS |
G06Q 20/10
(2012.01)
G06Q 20/18
(2012.01)
G06Q 20/40
(2012.01)
G06Q 40/00
(2012.01)
G06Q 40/02
(2012.01)
G06Q 90/00
(2006.01)
G07F 19/00
(2006.01)
G07F 7/08
(2006.01)
|
|
MCD-Zusatzklasse |
MCA |
|
| 57 |
Zusammenfassung |
AB |
[EN] A method and apparatus for closed loop, automatic processing a loan, including completion of the application, underwriting, and transferring funds, includes use of a programmed computer to interface with an applicant, obtain the information needed to process the loan, determine whether to approve the loan, and effect electronic fund transfers to the applicant's deposit account and arrange for automatic withdrawals to repay the loan. Information is received from the applicant preferably by using voice recognition technology but alternatively by entering the alpha-numeric information using a personal computer keyboard or using the buttons on a telephone. The loan approval determination is made using a neural network with input obtained in part from the applicant and in part from databases accessed by the computer, such as a credit bureau, to obtain a credit report. The loan agreement is transmitted by facsimile to and from the applicant when the applicant has access to a facsimile machine or datafile to be printed or to an agent who delivers the agreement to the applicant when the applicant does not have access. In a preferred embodiment, the applicant accesses the computer from a kiosk where the complete transaction can take place as the applicant waits. |
| 56 |
Entgegengehaltene Patentdokumente/Zitate,
in Recherche ermittelt |
CT |
|
| 56 |
Entgegengehaltene Patentdokumente/Zitate,
vom Anmelder genannt |
CT |
|
| 56 |
Entgegengehaltene Nichtpatentliteratur/Zitate,
in Recherche ermittelt |
CTNP |
|
| 56 |
Entgegengehaltene Nichtpatentliteratur/Zitate,
vom Anmelder genannt |
CTNP |
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Prüfstoff-IPC |
ICP |
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