Patents by Inventor Bruce Joseph Schulkins

Bruce Joseph Schulkins has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Loan underwriting system and method
    Patent number: 7212995
    Abstract: An automated loan underwriting system and method automates the logic implemented by a loan underwriter, saving the loan originator time and money. Each lending institution can set up its own decisioning criteria, enabling customers to customize the process in which a proper evaluation, owners and encumbrance report, or title product is selected for a loan application within a given set of characteristics. The system and method allow for the automatic upgrading to another product without involvement of the loan processor, helping to reduce time delays in the loan origination process. The speed and automation allow for more underwriting checks to be applied against each loan.
    Type: Grant
    Filed: June 2, 2003
    Date of Patent: May 1, 2007
    Assignee: TransUnion L.L.C.
    Inventor: Bruce Joseph Schulkins
  • Loan underwriting system and method
    Publication number: 20040243509
    Abstract: An automated loan underwriting system and method automates the logic implemented by a loan underwriter, saving the loan originator time and money. Each lending institution can set up its own decisioning criteria, enabling customers to customize the process in which a proper evaluation, owners and encumbrance report, or title product is selected for a loan application within a given set of characteristics. The system and method allow for the automatic upgrading to another product without involvement of the loan processor, helping to reduce time delays in the loan origination process. The speed and automation allow for more underwriting checks to be applied against each loan.
    Type: Application
    Filed: June 2, 2003
    Publication date: December 2, 2004
    Inventor: Bruce Joseph Schulkins