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1.发明公开METHOD AND APPARATUS FOR AN ACCOUNT LEVEL OFFER OF CREDIT AND REAL TIME BALANCE TRANSFER 审中-公开信贷提供了取决于帐户，并代表该帐户的传输方法和设备待命实时
公开(公告)号：EP1196883A4
公开(公告)日：2003-03-12
申请号：EP99971553
申请日：1999-10-25
申请人： NEXTCARD INC
发明人： LENT JEREMY R , LENT MARY , MEEKS ERIC R , CAI YINZI , COLTRELL TIMOTHY J , DOWHAN DAVID W
CPC分类号： G06Q40/08 , G06Q20/10 , G06Q30/0239 , G06Q40/00 , G06Q40/025
摘要： A system and method are disclosed for presenting multiple custom offers to a credit applicant over a network. The method includes obtaining a credit report containing applicant data. A plurality of offers are presented to the applicant (1008). The plurality of offers are derived from applicant data (1006). The plurality of offers include different required balance transfers (1010). A selected offer is obtained from the applicant.
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公开(公告)号：EP1138009A4
公开(公告)日：2002-07-17
申请号：EP99965733
申请日：1999-10-25
申请人： NEXTCARD INC
发明人： LENT JEREMY R , LENT MARY , MEEKS ERIC R , CAI YINZI , COLTRELL TIMOTHY J , DOWHAN DAVID W
CPC分类号： G06Q30/06 , G06Q40/02 , G06Q40/025 , G06Q40/08
摘要： 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 (104). The applicant data is analyzed into a form suitable for directly obtaining a credit report from a credit bureau for the applicant (106). A credit report having credit report data is obtained from a credit bureau for the applicant. It is then determined whether to accept the applicant using the credit report data (110) and it is communicated to the applicant whether the applicant has been approved (112).
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