Jennifer N Weaver

US Patent:

20100042520, Feb 18, 2010

Filed:

Aug 12, 2009

Appl. No.:

12/540153

Inventors:

Teresa Rose - Raleigh NC, US
Patricia Kinney - Cary NC, US
Douglas Joel Zickafoose - Raleigh NC, US
Brian Newlin - Raleigh NC, US
Jennifer Weaver - Raleigh NC, US
Steven J. Picard - Winston-Salem NC, US

Assignee:

27804Branch Banking and Trust Company - Raleigh NC

International Classification:

G06Q 40/00

US Classification:

705 30, 705 38

Abstract:

A method for interfacing with a financial institution using a computer interface is disclosed for on-line or E-Lending. A customer selects a lending product on the website of a financial institution. The financial institution receives information to authenticate the customer, and receives additional information related to the financial history and lending needs from the customer. The terms and conditions related to the lending product are presented to the customer and an authorization to an application is received from the customer. A risk analysis is performed using information received from the customer and the application of the loan is subject to approval based at least in part on the risk analysis. The third set of information related to insurance, disclosures, etc is received from the customer and a fourth set of information related to the closing information is provided back to the customer. The loan may be further closed on-line or with an attorney or agent.

US Patent:

20100070407, Mar 18, 2010

Filed:

Sep 16, 2009

Appl. No.:

12/561125

Inventors:

Teresa Rose - Holly Springs NC, US
Patricia Kinney - Cary NC, US
Douglas Joe Zickafoose - Raleigh NC, US
Brian Newlin - Raleigh NC, US
Jennifer Weaver - Raleigh NC, US
Steven Picard - Winston-Salem NC, US

Assignee:

Branch Banking and Trust Company - Raleigh NC

International Classification:

G06Q 40/00
G06Q 10/00

US Classification:

705 38, 705325, 705 35

Abstract:

A method for interfacing with a financial institution using a computer interface is disclosed for on-line or E-Lending. The method includes an early warning evaluation of the customer and/or entities associated with the customer to identify fraudster/abusers and prevent them from opening online accounts at the financial institution.