Patents by Inventor Michael Garrity

Michael Garrity 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: 20210142403
    Abstract: A method system for providing an efficient solution to lead management and automated loan processing is described. The method includes receiving user information at a lead management system for requesting a service. If a loan is requested, the user information previously entered is utilized to populate a loan application form, which expedites loan processing. A system including a mobile application for lead management and automated loan processing, in communication with a loan application processing server provide an efficient method of processing loan applications. The system may be utilized in approving loans when requesting services such as home improvement services requiring a large cash investment.
    Type: Application
    Filed: April 10, 2019
    Publication date: May 13, 2021
    Applicant: CommunityLend Holdings Inc.
    Inventors: Michael GARRITY, Paul SEHR
  • Patent number: 10453128
    Abstract: A system method for quickly and easily processing a loan application is disclosed. The original application is processed quickly using supplemental technology such as a barcode scanner, mag-stripe reader, biometric or card tap device to fill out the applicant's personal details. If the application is approved a seamless transition is made within the mobile device to collect any additional information and allow the applicant to use e-signatures and sign the document directly on the device. Any additional documents needed to disburse a loan are collected by taking a photo of the document and optionally processing it via OCR with the mobile device's camera.
    Type: Grant
    Filed: February 28, 2013
    Date of Patent: October 22, 2019
    Assignee: CommunityLend Holdings Inc.
    Inventors: Michael Garrity, Casper Wong, Paul Sehr
  • Patent number: 10438156
    Abstract: Systems and methods to provide a training solution for a trainee are disclosed. In some embodiments the method comprises receiving a training requirement comprising a training outcome and a training configuration wherein the training configuration defines a trainee state, determining a training environment based on a relevancy function of the training environment to the training outcome, determining a training content based on a relationship function of the training content to the trainee state and determining a training solution comprising the training environment and the training content. In some embodiments, the relationship function comprises a POMDP model and the relevancy function comprises a best fit curve.
    Type: Grant
    Filed: March 13, 2014
    Date of Patent: October 8, 2019
    Assignee: APTIMA, INC.
    Inventors: Leah Swanson, Kristy Reynolds, Michael Garrity, Tiffany Poeppelman, Michael Keeney, Alan Carlin, Danielle Dumond, Yale Marc
  • Publication number: 20150269671
    Abstract: A system method for quickly and easily processing a loan application is disclosed. The original application is processed quickly using supplemental technology such as a barcode scanner, mag-stripe reader, biometric or card tap device to fill out the applicant's personal details. If the application is approved a seamless transition is made within the mobile device to collect any additional information and allow the applicant to use e-signatures and sign the document directly on the device. Any additional documents needed to disburse a loan are collected by taking a photo of the document and optionally processing it via OCR with the mobile device's camera.
    Type: Application
    Filed: February 28, 2013
    Publication date: September 24, 2015
    Inventors: Michael Garrity, Casper Wong, Paul Sehr
  • Publication number: 20140278833
    Abstract: Systems and methods to provide a training solution for a trainee are disclosed. In some embodiments the method comprises receiving a training requirement comprising a training outcome and a training configuration wherein the training configuration defines a trainee state, determining a training environment based on a relevancy function of the training environment to the training outcome, determining a training content based on a relationship function of the training content to the trainee state and determining a training solution comprising the training environment and the training content. In some embodiments, the relationship function comprises a POMDP model and the relevancy function comprises a best fit curve.
    Type: Application
    Filed: March 13, 2014
    Publication date: September 18, 2014
    Applicant: APTIMA, INC.
    Inventors: Leah Swanson, Kristy Reynolds, Michael Garrity, Tiffany Poeppelman, Michael Keeney, Alan Carlin, Danielle Dumond, Yale Marc
  • Patent number: 6745237
    Abstract: A method and apparatus for managing delivery of data, also referred to as “content”, by a data processing system in a communications system in which a number of content providers and content consumers are located within the communications system. The data processing system receives a request to accept delivery of content at the data processing system, wherein the request originates from a requesting content provider. A determination is made as to when the content may be received from the requesting content provider and when the content may be transmitted to content consumers based on contents already scheduled to be delivered from the number of content providers. Delivery of the content from the requesting content provider is accepted based on a determination of when the content may be received and when the content may be transmitted.
    Type: Grant
    Filed: January 15, 1998
    Date of Patent: June 1, 2004
    Assignee: MCI Communications Corporation
    Inventors: Martin Michael Garrity, John Coyle Heneghan, James L. Howser, Heinrick Sinnreich, Edward D. Willis
  • Publication number: 20020082996
    Abstract: A single interface delivery system and method for clients of an outsourcing facility includes control of the processing of input information, the server computers and the link between the server computers and the output at the client by the outsourcing facility. As a result, data obtained by the client on demand at the output is real time or near real time data, because all of the content is controlled by the outsourcing entity. The method includes gathering transaction information from a client and processing that transaction information to create reports desired by that client. In addition, news and other information is gathered by the outsourcing facility based on client-designated requests, and is supplied to the server computer at a client address. Therefore, the client does not have to separately access the various news and information addresses on the worldwide computer network.
    Type: Application
    Filed: December 26, 2000
    Publication date: June 27, 2002
    Applicant: Leapsource Inc.
    Inventors: Bobby D. Scott, Christopher G. Bowen, Ed Villareal, Michael Garrity, Patti Walker
  • Patent number: 6230205
    Abstract: A method and apparatus for managing delivery of data, also referred to as “content”, by a data processing system in a communications system in which a number of content providers and content consumers are located within the communications system. The data processing system receives a request to accept delivery of content at the data processing system, wherein the request originates from a requesting content provider. A determination is made as to when the content may be received from the requesting content provider and when the content may be transmitted to content consumers based on contents already scheduled to be delivered from the number of content providers. Delivery of the content from the requesting content provider is accepted based on a determination of when the content may be received and when the content may be transmitted.
    Type: Grant
    Filed: November 16, 1999
    Date of Patent: May 8, 2001
    Assignee: MCI Communications Corporation
    Inventors: Martin Michael Garrity, John Coyle Heneghan, James L. Howser, Heinrick Sinnreich, Edward D. Willis