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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
8160957 Methods and systems for opening and funding a financial account online Apr. 17, 2012
8160956 Insurance system and method for a high-risk asset purchaser or lessee Apr. 17, 2012
8160955 Method and apparatus for capturing commercial loan application data and assigning a commercial loan request Apr. 17, 2012
8160942 Billing workflow system for crediting charges to entities creating derivatives exposure Apr. 17, 2012
8156043 Systems and methods for a prepaid interest credit card account Apr. 10, 2012
8156042 Method and apparatus for automatically reloading a stored value card Apr. 10, 2012
8156039 Method and system for managing a mortgage rebate transaction card account Apr. 10, 2012
8156038 System and method of implementing massive early terminations of long term financial contracts Apr. 10, 2012
8156036 Methods and systems related to trading engines Apr. 10, 2012
8156030 Diversification measurement and analysis system Apr. 10, 2012
8156029 Process for verifiably communicating risk characteristics of an investment portfolio Apr. 10, 2012
8156027 Fair-value pricing of a financial asset Apr. 10, 2012
8156025 Computer-implemented systems and methods for student loan application processing Apr. 10, 2012
8156024 Systems and methods for directing disposition of certificate of deposit Apr. 10, 2012
8156022 Method and system for providing price protection for commodity purchasing through price protection contracts Apr. 10, 2012
8156021 Data processing system and method for transmitting of payment advice data Apr. 10, 2012
8155985 System and method using insurance for risk transference Apr. 10, 2012
8155984 Computerized method, apparatus and system for issuing surety bonds Apr. 10, 2012
8151335 Proxy authentication methods and apparatus Apr. 3, 2012
8150765 Systems and methods for credit management risk rating and approval Apr. 3, 2012
8150764 System, program product, and method to authorize draw for retailer optimization Apr. 3, 2012
8150763 Systems and methods for staging transactions, payments and collections Apr. 3, 2012
8150762 System and method for providing credit Apr. 3, 2012
8150757 Web-based infomediary for intellectual property transfer Apr. 3, 2012
8150749 Systems and methods for general aggregation of characteristics and key figures Apr. 3, 2012
8146806 Prepaid negative balance fee processing and fee diversion Apr. 3, 2012
8145569 Multiple party on-line transactions Mar. 27, 2012
8145565 Credit card account shadowing Mar. 27, 2012
8145564 Systems and methods for supporting extended pay date options on an insurance policy Mar. 27, 2012
8145563 Computer system and method for networked interchange of data and information for members of the real estate financial and related transactional services industry Mar. 27, 2012
8145562 Apparatus and method for fraud prevention Mar. 27, 2012
8145561 Phone usage pattern as credit card fraud detection trigger Mar. 27, 2012
8145560 Detecting fraudulent activity on a network Mar. 27, 2012
8145556 Online mortgage approval and settlement system and method therefor Mar. 27, 2012
8145555 System and method for the efficient clearing of spectrum encumbrances Mar. 27, 2012
8145549 System and method for offering risk-based interest rates in a credit instutment Mar. 27, 2012
8145507 Commercial insurance scoring system and method Mar. 27, 2012
8140433 Method for making secure transactions carried out with cards provided with an owner identification number Mar. 20, 2012
8140432 Aggregated postal billing and payment methods and systems Mar. 20, 2012
8140429 Universal merchant platform for payment authentication Mar. 20, 2012
8140421 Automatically determining a current value for a home Mar. 20, 2012
8140417 Data transmission system and data transmitting method Mar. 20, 2012
8140415 Automated global risk management Mar. 20, 2012
8140359 System and method for determining an objective driver score Mar. 20, 2012
RE43246 Money fund bank system Mar. 13, 2012
8135643 Intelligent collections models Mar. 13, 2012
8135642 Resilient messaging system and method Mar. 13, 2012
8135639 Time market grid interface Mar. 13, 2012
8135621 System and method for supporting anonymous transactions Mar. 13, 2012
8132723 System and method for immediate issuance of transaction cards Mar. 13, 2012

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