Patents by Inventor HANNES JOUHIKAINEN

HANNES JOUHIKAINEN 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).

  • Publication number: 20140258094
    Abstract: The disclosed embodiments include methods and systems for collecting, managing, and processing business data for lending services. In one embodiment, a lending system is disclosed that may register a small business with a lending service provided by a lending system and receive first small business data from the small business. The lending system may store the first small business data and analyze the first small business data to determine whether the small business qualifies for a loan product provided by a financial service provider. In another embodiment, the lending system may determine, based on the analysis, that additional business data is needed to determine whether the small business qualifies for the loan product. The lending system may further receive second small business data from the small business and analyze the second small business data to determine whether the small business qualifies for the loan product provided.
    Type: Application
    Filed: March 10, 2014
    Publication date: September 11, 2014
    Applicant: Capital One Financial Corporation
    Inventors: HANNES JOUHIKAINEN, Luke A. Hammock, Janusz Michael Niczyporuk