Patents by Inventor Christoper Deboer

Christoper Deboer 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).

  • Systems and methods for shared lending risk
    Patent number: 10424011
    Abstract: The shared lending risk system and method provide a lead scoring engine that generates a score representing an assessment of the credit risk of the transaction that is based on an assessment of the merchant, purchaser and product. The score is provided to a pool of lenders and a credit product is selected from the pool based on the score.
    Type: Grant
    Filed: January 31, 2012
    Date of Patent: September 24, 2019
    Assignee: GAIN CREDIT HOLDINGS, INC
    Inventors: Louis Steven Biafore, Theodore James Crooks, Christoper Deboer, Krishna Gopinathan
  • SYSTEMS AND METHODS FOR SHARED LENDING RISK
    Publication number: 20130110655
    Abstract: The system enables a merchant to choose the degree in which to participate in financing of a customer. This enables a new revenue stream for merchants beyond retail margin. The system also enables merchants to reach new under-banked consumers who were previously unable to buy from the merchant because they lacked the cash and/or credit to do so. The system also allows a consumer to participate in modification of credit terms by providing a customizable credit product.
    Type: Application
    Filed: January 31, 2012
    Publication date: May 2, 2013
    Inventors: LOUIS STEVEN BIAFORE, Theodore James Crooks, Christoper Deboer, Krishna Gopinathan