08036941 is referenced by 97 patents and cites 50 patents.

An online system uses, in various embodiments of the invention, credit report information, loan affordability screening and credit approval and management functionality to facilitate the purchase and finance of products online. The online system may include both sellers of products and lenders that offer financing to buyers seeking to purchase the products. The system may automatically obtain a buyer's credit report information and use that information to determine if the buyer is pre-approved, for example, to obtain financing for a particular product or products. The system also enables use of buyer credit information to identify only those of a seller's products for which the buyer is pre-approved, for example, to finance using one or more loans. The system then enables selection of an identified product or products for purchase, and selection of a loan, for example, for financing of the selected product or products. Credit approval (or pre-approval) may be performed automatically, and along with credit processing, may be performed completely online.

Online purchasing system supporting lenders with affordability screening
Application Number
Publication Number
8036941 (B2)
Application Date
March 14, 2001
Publication Date
October 11, 2011
Christopher C Winslade
James D Bennett
Laguna Beach
McAndrews Held & Malloy
H04M 15/55
G06Q 30/00
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