Patents by Inventor Patricia M. Wade

Patricia M. Wade 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).

  • Lender direct credit evaluation and loan processing system
    Patent number: 6029149
    Abstract: An apparatus and method for automatic credit evaluation and loan processing is disclosed. The apparatus includes a central processing unit which has capabilities for communicating with off-site remote access terminals. The central processing unit also includes facsimile transmission capabilities as well as capabilities for communicating with credit bureau computers. Mass storage capabilities are included for storing program modules executable on the central processing unit and for maintaining databases. Program modules are provided for remote access security, credit bureau information processing, credit scoring, message display, and facsimile generation. In operation, the central processing unit is accessed from a remote terminal, loan application information is entered into the remote terminal, credit bureau information is accessed by the apparatus, credit scoring is performed, and a loan application is approved or declined.
    Type: Grant
    Filed: April 26, 1999
    Date of Patent: February 22, 2000
    Assignee: The Golden 1 Credit Union
    Inventors: Diana R. Dykstra, Patricia M. Wade
  • Lender direct credit evaluation and loan processing system
    Patent number: 5930776
    Abstract: An apparatus and method for automatic credit evaluation and loan processing is disclosed. The apparatus includes a central processing unit which has capabilities for communicating with off-site remote access terminals. The central processing unit also includes facsimile transmission capabilities as well as capabilities for communicating with credit bureau computers. Mass storage capabilities are included for storing program modules executable on the central processing unit and for maintaining databases. Program modules are provided for remote access security, credit bureau information processing, credit scoring, message display, and facsimile generation. In operation, the central processing unit is accessed from a remote terminal, loan application information is entered into the remote terminal, credit bureau information is accessed by the apparatus, credit scoring is performed, and a loan application is approved or declined.
    Type: Grant
    Filed: March 10, 1997
    Date of Patent: July 27, 1999
    Assignee: The Golden 1 Credit Union
    Inventors: Diana R. Dykstra, Patricia M. Wade
  • Lender direct credit evaluation and loan processing system
    Patent number: 5611052
    Abstract: An apparatus and method for automatic credit evaluation and loan processing is disclosed. The apparatus includes a central processing unit which has capabilities for communicating with off-site remote access terminals. The central processing unit also includes facsimile transmission capabilities as well as capabilities for communicating with credit bureau computers. Mass storage capabilities are included for storing program modules executable on the central processing unit and for maintaining databases. Program modules are provided for remote access security, credit bureau information processing, credit scoring, message display, and facsimile generation. In operation, the central processing unit is accessed from a remote terminal, loan application information is entered into the remote terminal, credit bureau information is accessed by the apparatus, credit scoring is performed, and a loan application is approved or declined.
    Type: Grant
    Filed: November 1, 1993
    Date of Patent: March 11, 1997
    Assignee: The Golden 1 Credit Union
    Inventors: Diana R. Dykstra, Patricia M. Wade