公开(公告)号：US20090254487A1

公开(公告)日：2009-10-08

申请号：US12472043

申请日：2009-05-26

申请人： Kuldeep K. Dhar ,  James Ahles ,  Anupa Dhar

发明人： Kuldeep K. Dhar ,  James Ahles ,  Anupa Dhar

IPC分类号： G06Q40/00 ,  G06Q30/00

CPC分类号： A61J9/00 ,  A61G7/0503 ,  B65D25/2873 ,  B65D81/3881 ,  G06Q10/06 ,  G06Q10/06316 ,  G06Q10/10 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q50/188

摘要： A browser based automated loan system includes a loan engine offered individually to financial institutions to set up, operate and manage loan product offerings, a consumer website interface having a loan application form with data fields relevant to the loan product offerings, a designer component that establishes tasks in the form of a loan process checklist associated with each loan product offering, and a workflow engine for automatically evaluating the loan application form using the applicable loan process checklist in conjunction with rules, logical mathematical computational components, and risk based offer configurations for generating an instant loan offer when a borrower qualifies. Each task has attributes available for establishing entry conditions to provide workflow automation, and each task is performed when the entry conditions associated therewith are satisfied. The consumer website interface enables selecting a category of loan product offerings, and each checklist is associated with the selected category.

摘要翻译： 基于浏览器的自动化贷款系统包括单独提供给金融机构以建立，操作和管理贷款产品的贷款引擎，具有贷款申请表的消费者网站界面，其中包含与贷款产品相关的数据字段，设计者组件 与每个贷款产品提供相关联的贷款过程清单形式的任务，以及用于使用适用的贷款过程清单结合规则，逻辑数学计算组件和用于生成的基于风险的提供配置来自动评估贷款申请表的工作流引擎 当借款人资格时即时贷款。 每个任务具有可用于建立输入条件以提供工作流自动化的属性，并且当与其相关联的条目条件得到满足时执行每个任务。 消费者网站界面可以选择一类贷款产品，每个清单与所选类别相关联。

公开(公告)号：US07555459B2

公开(公告)日：2009-06-30

申请号：US09970276

申请日：2001-10-02

申请人： Kuldeep K. Dhar ,  James Ahles ,  Anupa Dhar

发明人： Kuldeep K. Dhar ,  James Ahles ,  Anupa Dhar

IPC分类号： G06Q40/00

CPC分类号： A61J9/00 ,  A61G7/0503 ,  B65D25/2873 ,  B65D81/3881 ,  G06Q10/06 ,  G06Q10/06316 ,  G06Q10/10 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q50/188

摘要： A workflow engine for rendering instant credit decisions includes a workflow designer, a web site interface, a database, checklists created by the workflow designer and associated with at least one loan offering, and a messaging system for brokering messages between a consumer and a lender. The workflow engine accepts web-based loan applications, processes the loan applications programmatically, and renders a loan decision within seconds. The workflow engine uses checklists to evaluate loan applications. Each checklist is associated with one loan offering and one lender. Multiple lenders offer multiple loan offerings through the system to compete for consumer/borrowers. The system evaluates loan applications and renders a programmatic loan decision without human intervention, subject to verification of the application data.

公开(公告)号：US08060438B2

公开(公告)日：2011-11-15

申请号：US12472043

申请日：2009-05-26

申请人： Kuldeep K. Dhar ,  James Ahles ,  Anupa Dhar

发明人： Kuldeep K. Dhar ,  James Ahles ,  Anupa Dhar

IPC分类号： G06Q40/00

CPC分类号： A61J9/00 ,  A61G7/0503 ,  B65D25/2873 ,  B65D81/3881 ,  G06Q10/06 ,  G06Q10/06316 ,  G06Q10/10 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q50/188

摘要： A browser based automated loan system includes a loan engine offered individually to financial institutions to set up, operate and manage loan product offerings, a consumer website interface having a loan application form with data fields relevant to the loan product offerings, a designer component that establishes tasks in the form of a loan process checklist associated with each loan product offering, and a workflow engine for automatically evaluating the loan application form using the applicable loan process checklist in conjunction with rules, logical mathematical computational components, and risk based offer configurations for generating an instant loan offer when a borrower qualifies. Each task has attributes available for establishing entry conditions to provide workflow automation, and each task is performed when the entry conditions associated therewith are satisfied. The consumer website interface enables selecting a category of loan product offerings, and each checklist is associated with the selected category.

摘要翻译： 基于浏览器的自动化贷款系统包括单独提供给金融机构以建立，操作和管理贷款产品的贷款引擎，具有贷款申请表的消费者网站界面，其中包含与贷款产品相关的数据字段，设计者组件 与每个贷款产品提供相关联的贷款过程清单形式的任务，以及用于使用适用的贷款过程清单结合规则，逻辑数学计算组件和用于生成的基于风险的提供配置来自动评估贷款申请表的工作流引擎 当借款人资格时即时贷款。 每个任务具有可用于建立输入条件以提供工作流自动化的属性，并且当与其相关联的条目条件得到满足时执行每个任务。 消费者网站界面可以选择一类贷款产品，每个清单与所选类别相关联。

公开(公告)号：US07428495B2

公开(公告)日：2008-09-23

申请号：US09970312

申请日：2001-10-02

申请人： Kuldeep K. Dhar ,  James Ahles ,  Anupa Dhar

发明人： Kuldeep K. Dhar ,  James Ahles ,  Anupa Dhar

IPC分类号： G06F9/46

CPC分类号： A61J9/00 ,  A61G7/0503 ,  B65D25/2873 ,  B65D81/3881 ,  G06Q10/06 ,  G06Q10/06316 ,  G06Q10/10 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q50/188

摘要： A workflow engine for rendering instant workflow decisions includes a workflow designer, a web site interface, a database, checklists created by the workflow designer and associated with at least one workflow process, and a messaging system for brokering messages. The workflow engine uses checklists to evaluate workflow processes. Each checklist is associated with one workflow decision. The workflow checklist is an object-based representation of the sequential ordering of functions within the workflow engine. Administrative tools allow an end-user to modify workflow checklists and their associated parameters without recompiling or rebooting the system.

摘要翻译： 用于呈现即时工作流决策的工作流引擎包括工作流设计器，网站界面，数据库，由工作流设计者创建并与至少一个工作流过程相关联的检查表，以及用于代理消息的消息系统。 工作流引擎使用清单来评估工作流程。 每个清单与一个工作流决策相关联。 工作流清单是工作流引擎中功能顺序排序的基于对象的表示形式。 管理工具允许最终用户在不重新编译或重新引导系统的情况下修改工作流清单及其相关参数。