Kuldeep K Dhar from 14025 42Nd Ave N, Minneapolis, MN 55446, age 69, Phone: (763)5191139

Us Patents

Automated Loan Processing System And Method
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US Patent:

7555459, Jun 30, 2009
Filed:

Oct 2, 2001
Appl. No.:

09/970276
Inventors:

Kuldeep K. Dhar - Plymouth MN, US
James Ahles - Wade Park MN, US
Anupa Dhar - Plymouth MN, US
Assignee:

International Projects Consultancy Services, Inc. - Minneapolis MN
International Classification:

G06Q 40/00
US Classification:

705 38
Abstract:

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.

Automated Loan Processing System And Method
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US Patent:

8060438, Nov 15, 2011
Filed:

May 26, 2009
Appl. No.:

12/472043
Inventors:

Kuldeep K. Dhar - Plymouth MN, US
James Ahles - Wade Park MN, US
Anupa Dhar - Plymouth MN, US
Assignee:

International Projects Consultancy Services, Inc. - Minneapolis MN
International Classification:

G06Q 40/00
US Classification:

705 38
Abstract:

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.

Object Based Workflow System And Method
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US Patent:

20020040312, Apr 4, 2002
Filed:

Oct 2, 2001
Appl. No.:

09/970312
Inventors:

Kuldeep Dhar - Plymouth MN, US
James Ahles - Wade Park MN, US
Anupa Dhar - Plymouth MN, US
International Classification:

G06F017/60
US Classification:

705/008000
Abstract:

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 ofthe 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.

Resumes

Chief Executive Officer

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Location:

Minneapolis, MN

Industry:

Financial Services

Work:

BancSoft, Inc. since Aug 2004
Director

Education:

University of Minnesota - Carlson School of Management 2008 - 2010
Masters, Executive MBA Carnegie Mellon University 1992 - 1993
Masters, Public Policy & Management University of Kashmir 1975 - 1980
Bachelor of Engineering, Electrical & Communication Engineering

Skills:

Management
Program Management
Strategic Planning
Business Analysis
Process Improvement
Leadership
Project Management
Business Strategy
Strategy
Vendor Management

Interests:

Usa
Global Remittance
Europe
Government (Federal and State) Sectors
Credit Cards
Insurance
Retail
Brazil
Supply Chain Management
Healthcare
Global Marketing
See 9+See Less
Target Market
India
Manufacturing
Consumer Lending
China
Auto's
Mexico

Director

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Position:

Director at BancSoft, Inc.

Location:

Greater Minneapolis-St. Paul Area

Industry:

Financial Services

Work:

BancSoft, Inc. since Aug 2004
Director

Education:

Interests:

Working with Global Companies in Business Process Rules Management (BPRM) driven NEXT GENERATION, SMART AND INNOVATIVE INDUSTRY-SPECIFIC AUTOMATED ENTERPRISE DELIVERY PLATFORMS... -Financial Services, Healthcare, Manufacturing, Retail, Insurance, and Government (Federal & State) sectors; -Country-specific BPRM driven mobile computing technologies related to Credit Bureau's, Consumer Lending (Mortgage, Credit Cards, Auto's...), Global Remittance, Global Marketing, Supply Chain Management... Target Market: USA, Europe, India, China, Mexico, Brazil

Honor & Awards:

>Patent Awarded (Dec. 2008) - Object Based Workflow System and Method >Patent Awarded (Mar. 2009) - Automated Loan Processing System and Method >Patent Awarded (Oct. 2009) - Extension to Automated Loan Processing System and Method >International Who's Who of Information Technology >Minnesota Delegate, Minnesota Governor's Trade Mission to China - November 2005 >Minnesota Delegate, Minnesota Governor's Trade Mission to India - October 2007