Patents by Inventor David A. Hodgkins

David A. Hodgkins 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).

  • Method for future payment transactions
    Patent number: 8510189
    Abstract: A method for the online modification, submission and approval processing of a future payment request to afford a user the ability to renegotiate established loan agreement debt terms in which network communications are established between a user, such as a debtor, and a server is presented. The method comprises receiving information, at the server, regarding the loan agreement debt terms, presenting received information to a debtor, providing an interactive environment enabling a debtor to modify existing terms, submitting modified terms, processing data from the available information using a rules based engine, and processing a future payment request based on at least one decision made by the rules based engine. While online, the user/debtor may engage in revising a rejected future payment request in an attempt to reach a satisfactory renegotiation of debt terms.
    Type: Grant
    Filed: October 18, 2010
    Date of Patent: August 13, 2013
    Assignee: Apollo Enterprise Solutions, Inc.
    Inventors: G. Christopher Imrey, William J. House, David A. Hodgkins
  • Method for future payment transactions
    Publication number: 20110040687
    Abstract: A method for the online modification, submission and approval processing of a future payment request to afford a user the ability to renegotiate established loan agreement debt terms in which network communications are established between a user, such as a debtor, and a server is presented. The method comprises receiving information, at the server, regarding the loan agreement debt terms, presenting received information to a debtor, providing an interactive environment enabling a debtor to modify existing terms, submitting modified terms, processing data from the available information using a rules based engine, and processing a future payment request based on at least one decision made by the rules based engine. While online, the user/debtor may engage in revising a rejected future payment request in an attempt to reach a satisfactory renegotiation of debt terms.
    Type: Application
    Filed: October 18, 2010
    Publication date: February 17, 2011
    Applicant: Apollo Enterprise Solutions Corporation
    Inventors: G. Christopher Imrey, William J. House, III, David A. Hodgkins
  • Method for future payment transactions
    Patent number: 7818229
    Abstract: A method for the online modification, submission and approval processing of a future payment request to afford a user the ability to renegotiate established loan agreement debt terms in which network communications are established between a user, such as a debtor, and a server is presented. The method comprises receiving information, at the server, regarding the loan agreement debt terms, presenting received information to a debtor, providing an interactive environment enabling a debtor to modify existing terms, submitting modified terms, processing data from the available information using a rules based engine, and processing a future payment request based on at least one decision made by the rules based engine. While online, the user/debtor may engage in revising a rejected future payment request in an attempt to reach a satisfactory renegotiation of debt terms.
    Type: Grant
    Filed: March 9, 2006
    Date of Patent: October 19, 2010
    Assignee: Apollo Enterprise Solutions, Inc.
    Inventors: G. Christopher Imrey, William J. House, III, David A. Hodgkins