Abstract: A method for automating a loan origination process by optimizing parameters used for routing loan origination applications to underwriters and prioritizing the handling of the applications is provided. The method includes: receiving first information that relates to a loan origination application; obtaining parameter values from the first information; retrieving second information that relates to candidate underwriters; generating, based on the parameter values and the second information, a task procedure for processing the loan origination application, including an identification of a target underwriter and requirements for completion of the processing of the loan origination application; transmitting, to the target underwriter, a request message that includes the first information and the task procedure; and receiving a confirmation message indicating that the task procedure is acceptable.

Abstract: Systems and methods for providing alternate deal structures are disclosed. A method may include: receiving an application for a loan having a loan structure comprising loan parameters from a dealer or an individual; retrieving data for the individual from a third party data source; decisioning the initial loan structure using the parameters and the cached data; returning an approval for the initial loan structure and an interest rate for the initial loan structure to the dealer or the individual; generating additional loan structures, each having a plurality of different parameters; decisioning the additional loan structures using the different parameters and the cached data; ranking the additional loan structures with the interest rate for each additional loan structure; returning approval and the interest rate for the ranked loan structures to the dealer or the individual; and receiving acceptance of the initial loan structure or one of the additional loan structures.

Abstract: A method and article of manufacture to reactivate a user identity card for a mobile station that communicates with a network is described. The user identity card is initially activated with the network. The user identity card has a unique identifier. Activation includes communicating with the mobile station from the network and programming the user identity card with network parameters. The network parameters programmed on the user identity card are then cleared after a preset period of time. The user identity card is reset to an unactivated state and then the user identity card can be reactivated with the network.

Abstract: A method and article of manufacture to reactivate a user identity card for a mobile station that communicates with a network is described. The user identity card is initially activated with the network. The user identity card has a unique identifier. Activation includes communicating with the mobile station from the network and programming the user identity card with network parameters. The network parameters programmed on the user identity card are then cleared after a preset period of time. The user identity card is reset to an unactivated state and then the user identity card can be reactivated with the network.