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    Method and System of Increasing Credit Score of a Borrower
    4.
    发明申请
    Method and System of Increasing Credit Score of a Borrower 审中-公开
    增加借款人信用评分的方法和制度

    公开(公告)号：US20130117173A1

    公开(公告)日：2013-05-09

    申请号：US13291723

    申请日：2011-11-08

    申请人： Stanley G. SCHWARZ ,  Gerald A. MORGAN ,  Jeffrey H. FRANK ,  Christopher M. MACHECA ,  Alan E. VORDERMEIER, JR.

    发明人： Stanley G. SCHWARZ ,  Gerald A. MORGAN ,  Jeffrey H. FRANK ,  Christopher M. MACHECA ,  Alan E. VORDERMEIER, JR.

    IPC分类号： G06Q40/02

    CPC分类号： G06Q40/02 ,  G06Q40/025

    摘要： Increasing credit score of a borrower. At least some of the illustrative embodiments are methods including: accepting an application from a borrower, the application for a motor vehicle loan, and the application accepted by way of an electronic submission to a data center; determining that the borrower has an indicia of credit worthiness below a predetermined threshold, the determining by way of a computer system of the data center; offering the borrower a first loan with a requirement that a first motor vehicle purchased with the first loan comprise a first on-board device configured to provide location of the first motor vehicle; and if the borrower accepts tracking the loan payments made by the borrower, the tracking by way of a computer system; and reporting loan payments to a credit reporting agency, the reporting by way of a computer system.

    摘要翻译： 增加借款人的信用评分。 说明性实施例中的至少一些是包括：从借用者接受申请，机动车贷款的申请以及通过电子提交方式接受的申请到数据中心的方法; 确定借款人具有低于预定阈值的信誉值的标记，通过数据中心的计算机系统进行确定; 向所述借款人提供第一笔贷款，要求第一辆购买有第一笔贷款的汽车包括配置为提供第一辆汽车的位置的第一车载设备; 如果借款人接受跟踪借款人的贷款支付，则通过计算机系统进行追踪; 并向信用报告机构报告贷款，通过计算机系统进行报告。

    Methods and Systems of Selectively Enabling a Vehicle by Way of a Portable Wireless Device
    8.
    发明申请
    Methods and Systems of Selectively Enabling a Vehicle by Way of a Portable Wireless Device 有权
    通过便携式无线设备选择性地启用车辆的方法和系统

    公开(公告)号：US20120239223A1

    公开(公告)日：2012-09-20

    申请号：US13229398

    申请日：2011-09-09

    申请人： Stanley G. Schwarz ,  Jeffrey H. Frank ,  Christopher M. Macheca ,  Gerald A. Morgan ,  Franco Chirico

    发明人： Stanley G. Schwarz ,  Jeffrey H. Frank ,  Christopher M. Macheca ,  Gerald A. Morgan ,  Franco Chirico

    IPC分类号： G06F17/00

    CPC分类号： G05D1/0022 ,  B60R25/04 ,  G06Q20/10 ,  G06Q20/127 ,  G06Q30/06 ,  H04L63/083 ,  H04W4/70 ,  H04W12/06

    摘要： Selectively enabling a vehicle by way of a portable wireless device. At least some of the illustrative embodiments are methods including: enabling a vehicle when a portable wireless device is communicatively coupled to an onboard device by way of a first communication network; sending an indication of location of the vehicle to a data center; and disabling the vehicle when the portable wireless device is no longer communicatively coupled to the onboard device. In some cases, the sending by: receiving global positioning system (GPS) signals by the portable wireless device; establishing that the portable wireless device is proximate to the vehicle; and sending an indication of location to the data center, the sending by the portable wireless device.

    摘要翻译： 通过便携式无线设备选择性启用车辆。 说明性实施例中的至少一些是方法，包括：当便携式无线设备通过第一通信网络通信地耦合到车载设备时，启用车辆; 将车辆的位置的指示发送到数据中心; 以及当便携式无线设备不再通信地耦合到车载设备时禁用车辆。 在某些情况下，通过以下方式发送：由便携式无线设备接收全球定位系统（GPS）信号; 确定便携式无线设备靠近车辆; 以及向所述数据中心发送位置指示，所述便携式无线设备的发送。