Patents Assigned to Horizon Digital Finance, LLC
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Patent number: 8359264Abstract: A system and method for matching a loan consumer with lenders via the Internet includes receiving loan consumer application information. The application information is stored in a database. An internally specified filter is applied to the information to determine if the loan consumer meets a set of loan criteria. A subset of the information is submitted to a credit bureau. A credit report is generated based on the subset of information. A lender database is searched to match the customer information and credit report to ranked lenders. A query is transmitted to one of the lenders. A response is generated and received based on the query. Subsequent query and response steps are repeated only after receipt of the previous response, until all lenders have been queried. Only lenders who responded with an approval are presented for review by the customer.Type: GrantFiled: December 19, 2011Date of Patent: January 22, 2013Assignee: Horizon Digital Finance, LLCInventors: Dale Lowell Peterson, Gregory Todd Thibodeau, John South
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Publication number: 20120109815Abstract: A system and method for matching a loan consumer with lenders via the Internet includes receiving loan consumer application information. The application information is stored in a database. An internally specified filter is applied to the information to determine if the loan consumer meets a set of loan criteria. A subset of the information is submitted to a credit bureau. A credit report is generated based on the subset of information. A lender database is searched to match the customer information and credit report to ranked lenders. A query is transmitted to one of the lenders. A response is generated and received based on the query. Subsequent query and response steps are repeated only after receipt of the previous response, until all lenders have been queried. Only lenders who responded with an approval are presented for review by the customer.Type: ApplicationFiled: December 19, 2011Publication date: May 3, 2012Applicant: HORIZON DIGITAL FINANCE, LLCInventors: Dale Lowell Peterson, Gregory Todd Thibodeau, John South
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Patent number: 8095458Abstract: A system and method for matching a loan consumer with lenders via the Internet includes receiving loan consumer application information. The application information is stored in a database. An internally specified filter is applied to the information to determine if the loan consumer meets a set of loan criteria. A subset of the information is submitted to a credit bureau. A credit report is generated based on the subset of information. A lender database is searched to match the customer information and credit report to ranked lenders. A query is transmitted to one of the lenders. A response is generated and received based on the query. Subsequent query and response steps are repeated only after receipt of the previous response, until all lenders have been queried. Only lenders who responded with an approval are presented for review by the customer.Type: GrantFiled: November 11, 2009Date of Patent: January 10, 2012Assignee: Horizon Digital Finance, LLCInventors: Dale Lowell Peterson, Gregory Todd Thibodeau, John South
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Publication number: 20100094749Abstract: A system and method for matching a loan consumer with lenders via the Internet includes receiving loan consumer application information. The application information is stored in a database. An internally specified filter is applied to the information to determine if the loan consumer meets a set of loan criteria. A subset of the information is submitted to a credit bureau. A credit report is generated based on the subset of information. A lender database is searched to match the customer information and credit report to ranked lenders. A query is transmitted to one of the lenders. A response is generated and received based on the query. Subsequent query and response steps are repeated only after receipt of the previous response, until all lenders have been queried. Only lenders who responded with an approval are presented for review by the customer.Type: ApplicationFiled: November 11, 2009Publication date: April 15, 2010Applicant: Horizon Digital Finance, LLCInventors: Dale Lowell Peterson, Gregory Todd Thibodeau, John South
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Patent number: 7647274Abstract: A system and method for matching a loan consumer with lenders via the Internet includes receiving loan consumer application information. The application information is stored in a database. An internally specified filter is applied to the information to determine if the loan consumer meets a set of loan criteria. A subset of the information is submitted to a credit bureau. A credit report is generated based on the subset of information. A lender database is searched to match the customer information and credit report to ranked lenders. A query is transmitted to one of the lenders. A response is generated and received based on the query. Subsequent query and response steps are repeated only after receipt of the previous response, until all lenders have been queried. Only lenders who responded with an approval are presented for review by the customer.Type: GrantFiled: December 29, 2006Date of Patent: January 12, 2010Assignee: Horizon Digital Finance, LLCInventors: Dale Lowell Peterson, Gregory Todd Thibodeau, John South
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Patent number: 7630933Abstract: A system and method for matching a loan consumer with lenders via the Internet includes receiving loan consumer application information. The application information is stored in a database. A filter is applied to the information to determine if the loan consumer meets a set of loan criteria. A subset of the information is submitted to a credit bureau. A credit report is generated based on the subset of information. A lender database is searched to match the customer information and credit report to ranked lenders. A query is transmitted to one of the lenders. A response is generated and received based on the query. Subsequent query and response steps are repeated only after receipt of the previous response, until all lenders have been queried. Only lenders who responded with an approval are presented for review by the customer.Type: GrantFiled: February 20, 2004Date of Patent: December 8, 2009Assignee: Horizon Digital Finance, LLCInventors: Dale Lowell Peterson, Gregory Todd Thibodeau, John South