Patents by Inventor Dermot Gately

Dermot Gately 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 AND APPARATUS FOR A VERIFIABLE ON LINE REJECTION OF AN APPLICATION FOR CREDIT
    Publication number: 20100262535
    Abstract: A system and method are disclosed for presenting a reason for the rejection of 5 a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.
    Type: Application
    Filed: June 21, 2010
    Publication date: October 14, 2010
    Inventors: Jeremy R. Lent, Mary Lent, Eric R. Meeks, Yinzi Cai, Timothy J. Coltrell, David W. Dowhan, Dermot Gately
  • Method and apparatus for a verifiable on line rejection of an applicant for credit
    Patent number: 7756781
    Abstract: A system and method are disclosed for presenting a reason for the rejection of 5 a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: July 13, 2010
    Assignee: NextCard, LLC
    Inventors: Jeremy R. Lent, Mary Lent, Eric R. Meeks, Yinzi Cai, Timothy J. Coltrell, David W. Dowhan, Dermot Gately
  • Method and apparatus for a verifiable on line rejection of an applicant for credit
    Patent number: 7505939
    Abstract: A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.
    Type: Grant
    Filed: October 5, 2006
    Date of Patent: March 17, 2009
    Assignee: NextCard, Inc.
    Inventors: Jeremy R. Lent, Mary Lent, Eric R. Meeks, Yinzi Cai, Timothy J. Coltrell, David W. Dowhan, Dermot Gately
  • Method and Apparatus for a Verifiable On Line Rejection of an Applicant for Credit
    Publication number: 20080270294
    Abstract: A system and method are disclosed for presenting a reason for the rejection of 5 a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.
    Type: Application
    Filed: October 31, 2007
    Publication date: October 30, 2008
    Inventors: Jeremy R. Lent, Mary Lent, Eric R. Meeks, Yinzi Cai, Timothy J. Coltrell, David W. Dowhan, Dermot Gately
  • Method and apparatus for a verifiable on line rejection of an applicant for credit
    Publication number: 20070027785
    Abstract: A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.
    Type: Application
    Filed: October 5, 2006
    Publication date: February 1, 2007
    Inventors: Jeremy Lent, Mary Lent, Eric Meeks, Yinzi Cai, Timothy Coltrell, David Dowhan, Dermot Gately