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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
8195564 System and method for creating financial assets Jun. 5, 2012
8195551 System and method for presenting a competitive comparison of a recommended or custom card Jun. 5, 2012
8195541 Method of marketing and contracting for the sale of agricultural yield-increase related products Jun. 5, 2012
8195517 System and method for facilitating a financial transaction with a dynamically generated identifier Jun. 5, 2012
8194830 Method for predicting churners in a telecommunications network Jun. 5, 2012
8191778 System and method for immediate issuance of transaction cards Jun. 5, 2012
8191769 Method and system for pre-filling account information Jun. 5, 2012
8190527 Card-less financial transaction May. 29, 2012
8190523 Account permanence May. 29, 2012
8190516 Equity protection May. 29, 2012
8190515 Calculating credit worthiness using transactional data May. 29, 2012
8190514 Systems and methods for transaction processing based upon an overdraft scenario May. 29, 2012
8190513 Method of billing a purchase made over a computer network May. 29, 2012
8190512 Computer-implemented clustering systems and methods for action determination May. 29, 2012
8190511 Systems, methods and computer program products for offering consumer loans having customized terms for each customer May. 29, 2012
8190508 Bid management optimization May. 29, 2012
8190480 System, non-transitory memory with computer program, and associated methods for micro-credit to prepaid cards May. 29, 2012
8185463 Interactive systems and methods for insurance-related activities May. 22, 2012
8182328 Method of lottery wagering on real-world events May. 22, 2012
8181851 Online purchasing system supporting buyer affordability screening May. 22, 2012
8180706 Systems and methods for maximizing a rewards accumulation strategy during transaction processing May. 15, 2012
8180703 Consumer behaviors at lender level May. 15, 2012
8180702 Transactional processing entity device support of an integrated offer network May. 15, 2012
8180699 System and method for facilitating unified trading and control for a sponsoring organization's money management process May. 15, 2012
8180698 System for physicals commodity trading May. 15, 2012
8180697 Method of trading in real estate derivatives May. 15, 2012
8180655 Systems and methods for processing vehicle or driver performance data May. 15, 2012
8177124 Online purchasing system supporting sellers with affordability screening May. 15, 2012
8175964 Systems and methods for financing renewable energy systems May. 8, 2012
8175963 Methods and systems for accepting offers via checks May. 8, 2012
8175962 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 May. 8, 2012
8175961 Method and system for using payment history for conducting commercial transactions May. 8, 2012
8175958 Hybrid trading system for concurrently trading combined orders for financial instruments through both electronic and open-outcry trading mechanisms May. 8, 2012
8175943 System and method for reconciling financial records May. 8, 2012
8175900 Life insurance strategic value May. 8, 2012
8170953 Systems and method for screening payment transactions May. 1, 2012
8170952 System and method for providing instant-decision, financial network-based payment cards May. 1, 2012
8170951 Method and apparatus for facilitating shipment of packages May. 1, 2012
8170932 System and method for data management and financial transaction categorization May. 1, 2012
8170892 System and method for establishing rates for an automobile insurance policy May. 1, 2012
8170841 Predictive model validation May. 1, 2012
8170527 Real-time balance on a mobile phone May. 1, 2012
8166553 Method and apparatus for detecting unauthorized-access, and computer product Apr. 24, 2012
8165962 System and method for financial instrument pre-qualification and offering Apr. 24, 2012
8165956 Bill availability notification and billing information request Apr. 24, 2012
8165954 Block trading system and method providing price improvement to aggressive orders Apr. 24, 2012
8165952 Electronic trading system Apr. 24, 2012
8165945 Transaction velocity counting for fraud detection Apr. 24, 2012
8165941 Method and system for integrating savings and credits with different interest rates Apr. 24, 2012
8165853 Dimension reduction in predictive model development Apr. 24, 2012

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