Patents by Inventor Janis A. Humberd

Janis A. Humberd 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: 20220129979
    Abstract: Methods and/or systems for a flexible loan application process for financing a vehicle may provide multiple user interface channels (which include both multiple manual and electronic user interface channels) via which the applicant may initiate, monitor, access, and/or close the loan, as the applicant desires. Further, for a single loan application, the applicant may only need to provide limited information at the outset. Subsequently, the flexible loan application process may provide multiple approved loan offers of varying loan amounts and/or loan terms based upon the limited applicant information received. The applicant may then select one or more of the offers to customize, within approved limits, to generate a vehicle loan that best suits his or her preferences without having to restart the entire loan application process.
    Type: Application
    Filed: January 7, 2022
    Publication date: April 28, 2022
    Inventors: Michael Dennis Albers, Amanda Leigh Eich, Alissa Jeannine Fesler, Melissa Meyers Holladay, Janis A. Humberd, Theresa E. Lommatsch, Heather Rae Lynch, Stacy Lynn Miller, Lori Mullen, David Vela, Louis C. Zayas
  • Publication number: 20220058729
    Abstract: Methods and/or systems for a flexible loan application process for financing a vehicle may provide multiple user interface channels (which include both multiple manual and electronic user interface channels) via which the applicant may initiate, monitor, access, and/or close the loan, as the applicant desires. Further, for a single loan application, the applicant may only need to provide limited information at the outset. Subsequently, the flexible loan application process may provide multiple approved loan offers of varying loan amounts and/or loan terms based upon the limited applicant information received. The applicant may then select one or more of the offers to customize, within approved limits, to generate a vehicle loan that best suits his or her preferences without having to restart the entire loan application process.
    Type: Application
    Filed: March 9, 2020
    Publication date: February 24, 2022
    Inventors: Michael Dennis Albers, Amanda Leigh Eich, Alissa Jeannine Fesler, Melissa Meyers Holladay, Janis A. Humberd, Theresa E. Lommatsch, Heather Rae Lynch, Stacy Lynn Miller, Lori Mullen, David Vela, Louis C. Zayas
  • Publication number: 20220058730
    Abstract: Methods and/or systems for a flexible loan application process for financing a vehicle may provide multiple user interface channels (which include both multiple manual and electronic user interface channels) via which the applicant may initiate, monitor, access, and/or close the loan, as the applicant desires. Further, for a single loan application, the applicant may only need to provide limited information at the outset. Subsequently, the flexible loan application process may provide multiple approved loan offers of varying loan amounts and/or loan terms based upon the limited applicant information received. The applicant may then select one or more of the offers to customize, within approved limits, to generate a vehicle loan that best suits his or her preferences without having to restart the entire loan application process.
    Type: Application
    Filed: March 9, 2020
    Publication date: February 24, 2022
    Inventors: Michael Dennis Albers, Amanda Leigh Eich, Alissa Jeannine Fesler, Melissa Meyers Holladay, Janis A. Humberd, Theresa E. Lommatsch, Heather Rae Lynch, Stacy Lynn Miller, Lori Mullen, David Vela, Louis C. Zayas