Patents by Inventor Ray Stephen Weger

Ray Stephen Weger 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).

  • SYSTEMS AND METHODS FOR AUTOMATICALLY STRUCTURING AND APPROVING OFFERS
    Publication number: 20180165763
    Abstract: A disclosed system for structuring and approving an offer may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive a loan application request, the loan application request including information identifying a vehicle characteristic. The one or more processors may be further configured to identify a vehicle that matches the vehicle characteristic and determine a loan offer for a customer to purchase the vehicle comprising at least a first loan term. The one or more processors may be further configured to provide the loan offer to an offer system, and receive a response from the offer system related to the loan offer, the response including a loan offer modification.
    Type: Application
    Filed: February 8, 2018
    Publication date: June 14, 2018
    Applicant: Capital One Services, LLC
    Inventors: Nicholas Edmund DOLLE, John FULLER, Ray Stephen WEGER, Meggin KAUFMAN, Caroline MCNALLY, Natalia LICHAGINA
  • SYSTEMS AND METHODS FOR AUTOMATICALLY STRUCTURING AND APPROVING OFFERS
    Publication number: 20160314529
    Abstract: A disclosed system for structuring and approving an offer may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive a loan application request, the loan application request including information identifying a vehicle characteristic. The one or more processors may be further configured to identify a vehicle that matches the vehicle characteristic and determine a loan offer for a customer to purchase the vehicle comprising at least a first loan term. The one or more processors may be further configured to provide the loan offer to an offer system, and receive a response from the offer system related to the loan offer, the response including a loan offer modification.
    Type: Application
    Filed: September 30, 2015
    Publication date: October 27, 2016
    Inventors: Nicholas Edmund Dolle, John Fuller, Ray Stephen Weger, Meggin Kaufman, Caroline McNally, Natalia Lichagina