公开(公告)号：US08918338B1

公开(公告)日：2014-12-23

申请号：US09544459

申请日：2000-04-07

申请人： Bob Bornhofen ,  Luke Byrne ,  David Bray ,  Richard Elder ,  Richard Feight ,  Kathleen Hill Pinnola ,  Faye Shimshi ,  Ray Quinlan ,  Mark Cheeseman

发明人： Bob Bornhofen ,  Luke Byrne ,  David Bray ,  Richard Elder ,  Richard Feight ,  Kathleen Hill Pinnola ,  Faye Shimshi ,  Ray Quinlan ,  Mark Cheeseman

IPC分类号： G06Q40/00

CPC分类号： G06Q40/025 ,  G06Q20/24 ,  G06Q20/26 ,  G06Q20/355 ,  G06Q20/403 ,  G06Q40/02

摘要： A method and system for the issuance of Instant Credit has an Instant Credit engine that performs instantaneous analysis. The method and system can operate along side existing “batch” processes. In addition, the method and system offer various channels of distribution for the Instant Credit products. With the present invention, Instant Credit and other Instant services (e.g., instant account balance transfers, etc.) can be obtained via, Internet, point-of-sale and other distribution channels. The present system also enables highly dynamic product offerings, which can be generated “instantaneously” based on a variety of factors, such as, for example, the channels of distribution (e.g., telephone or Internet), the product sought and/or even the particular individual and/or entity that is applying for a line of credit.

摘要翻译： 即时信用发行的方法和系统具有执行瞬时分析的即时信用引擎。 方法和系统可以沿着现有的“批处理”过程进行操作。 此外，该方法和系统为Instant Credit产品提供了各种分发渠道。 利用本发明，可以通过互联网，销售点和其他分发渠道获得即时信用和其他即时业务（例如即时账户余额转账等）。 本系统还能够实现高度动态的产品，其可以基于各种因素“即时地”生成，例如分配渠道（例如，电话或因特网），所寻求的产品和/或甚至是 申请信用额度的特定个人和/或实体。