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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
8321341 Online fraud prevention using genetic algorithm solution Nov. 27, 2012
8321336 Systems and methods related to lifetime mortgages Nov. 27, 2012
8321335 Customized consumer loan search and optimized loan pricing Nov. 27, 2012
8321334 Credit score simulation Nov. 27, 2012
8321333 System and method for determining the market risk margin requirements associated with a credit default swap Nov. 27, 2012
8321319 Rental property investment calculator Nov. 27, 2012
8321312 Method and system for organizing tax information and providing tax advice Nov. 27, 2012
8321262 Method and system for generating pricing recommendations Nov. 27, 2012
8321245 Insurance incentive program for promoting the purchase or release of an automobile after an expiration of a lease Nov. 27, 2012
8320533 System and method for replying to voice messages left by callers Nov. 27, 2012
8316230 Service for determining whether digital certificate has been revoked Nov. 20, 2012
8315947 Credit card transaction methods employing wireless terminal location and registered purchasing locations Nov. 20, 2012
8315944 Apparatuses, methods and systems for a trackable virtual currencies platform Nov. 20, 2012
8315943 System and method for generating a finance attribute from tradeline data Nov. 20, 2012
8315942 Method and apparatus for development and use of a credit score based on spend capacity Nov. 20, 2012
8315941 Automated loan risk assessment system and method Nov. 20, 2012
8315940 System and method for rapidly calculating risk in an electronic trading exchange Nov. 20, 2012
8315935 Method and system for tracking derivatives positions and monitoring credit limits Nov. 20, 2012
8315932 News induced automated electronic securities transactions Nov. 20, 2012
8315911 Mortgage and real estate data integration and presentation system Nov. 20, 2012
8315889 Home resale value protection plan Nov. 20, 2012
8312536 Hygiene-based computer security Nov. 13, 2012
8311936 Credit score and scorecard development Nov. 13, 2012
8311935 Daylight overdraft tracking Nov. 13, 2012
8311934 System and method for activity based margining Nov. 13, 2012
8311931 System and method for managing trading orders with decaying reserves Nov. 13, 2012
8311925 Online purchasing system supporting sellers with affordability screening Nov. 13, 2012
8311917 Methods and apparatus for collateral-based financial transactions Nov. 13, 2012
8306909 Intelligent collections models Nov. 6, 2012
8306908 Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce Nov. 6, 2012
8306907 System and method for offering risk-based interest rates in a credit instrument Nov. 6, 2012
8306905 System and method of implementing massive early terminations of long term financial contracts Nov. 6, 2012
8306904 Systems and methods related to liquidity aggregation Nov. 6, 2012
8306898 Online purchasing system supporting sellers with affordability screening Nov. 6, 2012
8306889 System and method for presenting fraud detection information Nov. 6, 2012
8306888 Table driven accounting method and system Nov. 6, 2012
8301566 System and method for providing a financial transaction instrument with user-definable authorization criteria Oct. 30, 2012
8301557 System, program product, and method to authorized draw for retailer optimization Oct. 30, 2012
8301556 Method for transmitting a code Oct. 30, 2012
8301555 Pre-approved customer acceptance validation Oct. 30, 2012
8301554 System and method for managing meetings budgets and allocating and reconciling expenditures Oct. 30, 2012
8301553 Electronic mortgage document certification Oct. 30, 2012
8301552 System and method of implementing massive early terminations of long term financial contracts Oct. 30, 2012
8301551 System and method of implementing massive early terminations of long term financial contracts Oct. 30, 2012
8301547 Trading system Oct. 30, 2012
8301539 Order processing for automated market system Oct. 30, 2012
8301537 System and method for estimating portfolio risk using an infinitely divisible distribution Oct. 30, 2012
8301530 Automatic savings program Oct. 30, 2012
8301525 Method and system for managing communication of information Oct. 30, 2012
8301519 Methods and apparatus for analyzing revenue cycles of a facility Oct. 30, 2012

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