Elsa G Ramirez

US Patent:

8620797, Dec 31, 2013

Filed:

Oct 12, 2007

Appl. No.:

11/871652

Inventors:

Susan E. Heinsohn - San Antonio TX, US
Elsa E. Ramirez - Pearsall TX, US
Matthew Charles Hernandez - San Antonio TX, US
Sean Graham - Charlotte NC, US

Assignee:

United Services Automobile Association - San Antonio TX

International Classification:

G06Q 40/00

US Classification:

705 38

Abstract:

Systems and methods for streamlined purchasing are described herein. The method may include receiving application to finance an item, approving the application and providing a financial document to the customer which requires no further interaction between the customer and the lending institution. The method may alternately include receiving a pre-approved financial instrument from a merchant, and processing the instrument, where the instrument was presented to the merchant by a customer and executed at the time of purchase without further interaction between the customer and the lending institution.