Mark A Christensen

US Patent:

7882024, Feb 1, 2011

Filed:

Sep 23, 2004

Appl. No.:

10/948068

Inventors:

Richard Seibert - Escondido CA, US
Brad Rogers - Commerce MI, US
Mark David Christensen - Troy MI, US
Michael Jurecki - Grosse Isle MI, US

Assignee:

Routeone LLC - Southfield MI

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35, 705 67, 709201, 709226, 715744, 715780

Abstract:

A system and method for forwarding multiple credit applications to multiple potential lenders. A user computer or a credit management server sends queries to potential lenders inquiring about the respective information fields used in the potential lenders' respective credit applications. The queries also request information relating to the desired format and transmission method of the respective credit applications. With this information, a dynamic credit application is generated which includes all of information fields from all potential lenders. A credit applicant enters credit information into the dynamic credit application. The system then generates tailored credit applications for each lender and forwards these tailored applications to the respective potential lenders. The lenders process the tailored applications and provide results to the user.

US Patent:

7996305, Aug 9, 2011

Filed:

Dec 17, 2010

Appl. No.:

12/972146

Inventors:

Richard Seibert - Escondido CA, US
Brad Rogers - Commerce MI, US
Mark David Christensen - Troy MI, US
Michael Jurecki - Grosse Isle MI, US

Assignee:

Routeone LLC - Farmington Hills MI

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35, 709201, 715744, 358462, 194206

Abstract:

A system and method for forwarding multiple credit applications to multiple potential lenders. A user computer or a credit management server sends queries to potential lenders inquiring about the respective information fields used in the potential lenders' respective credit applications. The queries also request information relating to the desired format and transmission method of the respective credit applications. With this information, a dynamic credit application is generated which includes all of information fields from all potential lenders. A credit applicant enters credit information into the dynamic credit application. The system then generates tailored credit applications for each lender and forwards these tailored applications to the respective potential lenders. The lenders process the tailored applications and provide results to the user.