Patents by Inventor Richard F. Irwin

Richard F. Irwin 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).

  • FIRM OFFERS OF CREDIT SYSTEM
    Publication number: 20150019408
    Abstract: A computer-implemented method for providing firm offers of credit to a consumer includes receiving consumer information from a consumer via a network, receiving a selection via the network from the consumer to permit at least one soft credit inquiry of the consumer's credit record, submitting a soft credit inquiry to a credit reporting agency, the soft credit inquiry based on the consumer information, receiving at least one firm offer of credit from the credit reporting agency, the firm offer of credit resulting from the credit reporting agency performing the soft credit inquiry on the consumer's credit record, each firm offer of credit provided by a credit issuer; and providing the at least one firm offer of credit to the consumer via the network.
    Type: Application
    Filed: October 1, 2014
    Publication date: January 15, 2015
    Inventor: Richard F. Irwin
  • Firm offers of credit system
    Patent number: 8868457
    Abstract: A computer-implemented method for providing firm offers of credit to a consumer includes receiving consumer information from a consumer via a network, receiving a selection via the network from the consumer to permit at least one soft credit inquiry of the consumer's credit record, submitting a soft credit inquiry to a credit reporting agency, the soft credit inquiry based on the consumer information, receiving at least one firm offer of credit from the credit reporting agency, the firm offer of credit resulting from the credit reporting agency performing the soft credit inquiry on the consumer's credit record, each firm offer of credit provided by a credit issuer; and providing the at least one firm offer of credit to the consumer via the network.
    Type: Grant
    Filed: January 15, 2009
    Date of Patent: October 21, 2014
    Assignee: Richard F. Irwin, Ltd.
    Inventor: Richard F. Irwin
  • FIRM OFFERS OF CREDIT SYSTEM
    Publication number: 20090182661
    Abstract: A computer-implemented method for providing firm offers of credit to a consumer includes receiving consumer information from a consumer via a network, receiving a selection via the network from the consumer to permit at least one soft credit inquiry of the consumer's credit record, submitting a soft credit inquiry to a credit reporting agency, the soft credit inquiry based on the consumer information, receiving at least one firm offer of credit from the credit reporting agency, the firm offer of credit resulting from the credit reporting agency performing the soft credit inquiry on the consumer's credit record, each firm offer of credit provided by a credit issuer; and providing the at least one firm offer of credit to the consumer via the network.
    Type: Application
    Filed: January 15, 2009
    Publication date: July 16, 2009
    Applicant: Directmailers
    Inventor: Richard F. Irwin