1
Jeremy R Lent, Mary Lent, Eric R Meeks, Yinzi Cai, Timothy J Coltrell, David W Dowhan: Method and apparatus for an account level offer of credit and real time balance transfer. NextCard, Van Pelt & Yi, November 27, 2001: US06324524 (473 worldwide citation)

A system and method are disclosed for presenting multiple custom offers to an applicant for credit over a network. The method includes obtaining a credit report containing applicant data. A plurality of offers are presented to the applicant. The plurality of offers are derived from the applicant dat ...


2
Jeremy R Lent, Mary Lent, Eric R Meeks, Yinzi Cai, Timothy J Coltrell, David W Dowhan: Method and apparatus for real time on line credit approval. NextCard, Van Pelt & Yi, June 11, 2002: US06405181 (369 worldwide citation)

A system and method are disclosed for providing real time approval of credit over a network. The method includes obtaining applicant data from an applicant. The applicant data is analyzed into a form suitable for directly obtaining a credit report from a credit bureau for the applicant. A credit rep ...


3
Jeremy R Lent, Mary Lent, Eric R Meeks, Yinzi Cai, Timothy J Coltrell, David W Dowhan: Method and apparatus for a verifiable on line rejection of an application for credit. NextCard, Van Pelt & Yi, May 20, 2003: US06567791 (222 worldwide citation)

A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identi ...


4
Jeremy R Lent, Mary Lent, Eric R Meeks, Yinzi Cai, Timothy J Coltrell, David W Dowhan: Method and apparatus for a verifiable on line rejection of an applicant for credit. NextCard, Van Pelt Yi & James, November 28, 2006: US07143063 (159 worldwide citation)

A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The ...


5
Jeremy Lent, Timothy Coltrell, Munnamgi S Reddi, Christopher O Tracy, TaChung Huang: Implementing a counter offer for an on line credit card application. NextCard, Van Pelt & Yi, September 21, 2004: US06795812 (124 worldwide citation)

A system and method are disclosed for offering credit to an applicant. A plurality of offers are determined using information about the applicant. A displayed offer is displayed and a withheld offer is withheld. An indication that the displayed offer is unacceptable is received and the withheld offe ...


6
Jeremy R Lent, Mary Lent, Eric R Meeks, Yinzi Cai, Timothy J Coltrell, David W Dowhan, Dermot Gately: Method and apparatus for a verifiable on line rejection of an applicant for credit. NextCard, Gardere Wynne Sewell, March 17, 2009: US07505939 (92 worldwide citation)

A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The ...


7
Jeremy Lent, Timothy Coltrell, Munnamgi S Reddi, Christopher O Tracy, TaChung Huang: Integrating live chat into an online credit card application. NextCard, Marc A Hubbard, Gardere Wynne Sewell, March 18, 2008: US07346576 (70 worldwide citation)

A system and method are described for providing on line chat help to an applicant. An application identifier and a chat applet are inserted into a web page. The web page is sent to the applicant. The chat applet is configured to determine based on an event that the applicant could benefit from onlin ...


8
Paul Willard, Faye Anderson, Jonathan Goldenstein: Customized credit offer strategy based on terms specified by an applicant. NextCard, Gardere Wynne Sewell, June 23, 2009: US07552080 (42 worldwide citation)

A customized offer is transmitted to an applicant. A requested term is obtained from the applicant and a set of offers is determined for the applicant. An offer is selected from among the set of offers to display to the applicant using the requested term and the selected offer is transmitted to the ...


9
Scott Lascelles, Jay Ludlam, Ricky Chang, Eric R Meeks: On-line balance transfers. Nextcard, Marc A Hubbard, Gardere Wynne & Sewell, August 30, 2011: US08010422 (36 worldwide citation)

A system and method are disclosed for online transfer of a balance from a first credit account associated with an account holder to a second credit account associated with the account holder. Account data associated with the first credit account is obtained. The account data comprises at least the f ...


10
Jeremy R Lent, Mary Lent, Eric R Meeks, Yinzi Cai, Timothy J Coltrell, David W Dowhan, Dermot Gately: Method and apparatus for a verifiable on line rejection of an applicant for credit. NextCard, Gardere Wynne Sewell, Marc A Hubbard, July 13, 2010: US07756781 (8 worldwide citation)

A system and method are disclosed for presenting a reason for the rejection of 5 a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. Th ...