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Class Information
Number: 705/38
Name: Data processing: financial, business practice, management, or cost/price determination > Automated electrical financial or business practice or management arrangement > Finance (e.g., banking, investment or credit) > Credit (risk) processing or loan processing (e.g., mortgage)
Description: Subject matter drawn to a computerized arrangement for evaluation of the risk factors in a loan determination.










Patents under this class:
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Patent Number Title Of Patent Date Issued
8386377 System and method for credit scoring using an identity network connectivity Feb. 26, 2013
8386376 System and method using enhanced authorization data to reduce travel-related transaction fraud Feb. 26, 2013
8386375 System, method, and program product for foreign currency travel account Feb. 26, 2013
8386372 System, method and computer program product for compiling golden copy of securities pricing Feb. 26, 2013
8386349 Verification of a portable consumer device in an offline environment Feb. 26, 2013
8381120 Visualization tools for reviewing credibility and stateful hierarchical access to credibility Feb. 19, 2013
8380621 Systems, methods and program products for swap processing for uninsured accounts Feb. 19, 2013
8380620 Income curtailment protection Feb. 19, 2013
8380619 Methods and systems for proactive loan modification Feb. 19, 2013
8380618 Systems and methods for issuing credit for unused interest free grace periods Feb. 19, 2013
8380617 Catastrophe linked mortgage Feb. 19, 2013
8380614 Dynamic price improvement Feb. 19, 2013
8380613 From indirect finance to direct finance debt-clearing system and method Feb. 19, 2013
8380610 System and method for processing trading orders Feb. 19, 2013
8380599 System and method for risk management Feb. 19, 2013
8374964 Methods and systems for processing stranded payments and lockbox payments at the same designated payment location Feb. 12, 2013
8374956 Internet transactions based on user-specific information Feb. 12, 2013
8374955 Methods and systems related to trading engines Feb. 12, 2013
8374954 Private capital management system and method Feb. 12, 2013
8374945 System and method for processing data for instruments in multiple classes for providing deferred income Feb. 12, 2013
8374936 Method and system for integrating savings and credits with different interest rates Feb. 12, 2013
8374934 Credit card relationship derivation (AcctID) from historic data Feb. 12, 2013
8374933 Method for educational financial planning Feb. 12, 2013
8371936 Pari-mutuel wagering method Feb. 12, 2013
8370253 Method and apparatus for credit brokering for point-of-sale leasing Feb. 5, 2013
8370246 System and method for settling trades Feb. 5, 2013
8370238 Credit index, a system and method for structuring a credit index, and a system and method for operating a credit index Feb. 5, 2013
8364588 System and method for automated detection of never-pay data sets Jan. 29, 2013
8364582 Credit score and scorecard development Jan. 29, 2013
8364581 System and method for providing time to cure negative balances in financial accounts while encouraging rapid curing of those balances to a positive net position Jan. 29, 2013
8364580 Independent research consensus earnings estimates and methods of determining such Jan. 29, 2013
8364579 Online system for fulfilling loan applications from loan originators Jan. 29, 2013
8364578 Simultaneous customer/account strategy execution in a decision management system Jan. 29, 2013
8364577 Method, apparatus and system for advancing a bidder to a selected rank Jan. 29, 2013
8364576 Tradable investment unit Jan. 29, 2013
8364568 System and method for bundling financial services products with a mortgage in connection with a move event Jan. 29, 2013
8364566 Method for managing group finances via an electronic network Jan. 29, 2013
8364544 Comprehensive online bidding and sales management system for merchant processing services Jan. 29, 2013
8359266 Method and system for an inter-financial institution transactional network Jan. 22, 2013
8359264 System and method for matching loan consumers and lenders Jan. 22, 2013
8359263 Loan product with convertible payment terms Jan. 22, 2013
8359254 Non-scalar-valued financial instruments Jan. 22, 2013
8359253 Systems and methods for providing anonymous requests for quotes for financial instruments Jan. 22, 2013
8359252 Method and apparatus for pricing securities Jan. 22, 2013
8355984 Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products Jan. 15, 2013
8355983 Method and system for vehicle finance credit analysis Jan. 15, 2013
8355982 Metrics systems and methods for token transactions Jan. 15, 2013
8355976 Fast and accurate method for estimating portfolio CVaR risk Jan. 15, 2013
8355974 Account level liquidity charge determination Jan. 15, 2013
8355969 Credit and/or debit card security Jan. 15, 2013

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