Patents by Inventor Timothy J. Coltrell

Timothy J. Coltrell 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).

  • METHOD AND APPARATUS FOR REAL TIME ONLINE CREDIT APPROVAL
    Publication number: 20120215682
    Abstract: A system and method are described for providing real time approval of credit over a network. The method includes obtaining applicant data from an applicant. The applicant data is analyzed into a form suitable for directly obtaining a credit report from a credit bureau for the applicant. A credit report having credit report data is obtained from a credit bureau for the applicant. It is then determined whether to accept the applicant using the credit report data and it is communicated to the applicant that the applicant has been approved.
    Type: Application
    Filed: April 27, 2012
    Publication date: August 23, 2012
    Applicant: NEXTCARD, LLC
    Inventors: Jeremy R. Lent, Mary Lent, Eric R. Meeks, Yinzi Cai, Timothy J. Coltrell, David W. Dowhan
  • METHOD AND APPARATUS FOR A VERIFIABLE ON LINE REJECTION OF AN APPLICATION FOR CREDIT
    Publication number: 20100262535
    Abstract: A system and method are disclosed for presenting a reason for the rejection of 5 a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.
    Type: Application
    Filed: June 21, 2010
    Publication date: October 14, 2010
    Inventors: Jeremy R. Lent, Mary Lent, Eric R. Meeks, Yinzi Cai, Timothy J. Coltrell, David W. Dowhan, Dermot Gately
  • Method and apparatus for a verifiable on line rejection of an applicant for credit
    Patent number: 7756781
    Abstract: A system and method are disclosed for presenting a reason for the rejection of 5 a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: July 13, 2010
    Assignee: NextCard, LLC
    Inventors: Jeremy R. Lent, Mary Lent, Eric R. Meeks, Yinzi Cai, Timothy J. Coltrell, David W. Dowhan, Dermot Gately
  • Method and apparatus for a verifiable on line rejection of an applicant for credit
    Patent number: 7505939
    Abstract: A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.
    Type: Grant
    Filed: October 5, 2006
    Date of Patent: March 17, 2009
    Assignee: NextCard, Inc.
    Inventors: Jeremy R. Lent, Mary Lent, Eric R. Meeks, Yinzi Cai, Timothy J. Coltrell, David W. Dowhan, Dermot Gately
  • Method and Apparatus for Real Time Online Credit Approval
    Publication number: 20080270295
    Abstract: A system and method are described for providing real time approval of credit over a network. The method includes obtaining applicant data from an applicant. The applicant data is analyzed into a form suitable for directly obtaining a credit report from a credit bureau for the applicant. A credit report having credit report data is obtained from a credit bureau for the applicant. It is then determined whether to accept the applicant using the credit report data and it is communicated to the applicant that the applicant has been approved.
    Type: Application
    Filed: October 31, 2007
    Publication date: October 30, 2008
    Inventors: Jeremy R. Lent, Mary Lent, Eric R. Meeks, Yinzi Cai, Timothy J. Coltrell, David W. Dowhan
  • Method and Apparatus for a Verifiable On Line Rejection of an Applicant for Credit
    Publication number: 20080270294
    Abstract: A system and method are disclosed for presenting a reason for the rejection of 5 a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.
    Type: Application
    Filed: October 31, 2007
    Publication date: October 30, 2008
    Inventors: Jeremy R. Lent, Mary Lent, Eric R. Meeks, Yinzi Cai, Timothy J. Coltrell, David W. Dowhan, Dermot Gately
  • Method and apparatus for a verifiable on line rejection of an applicant for credit
    Patent number: 7143063
    Abstract: A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.
    Type: Grant
    Filed: March 10, 2003
    Date of Patent: November 28, 2006
    Assignee: NextCard, Inc.
    Inventors: Jeremy R. Lent, Mary Lent, Eric R. Meeks, Yinzi Cai, Timothy J. Coltrell, David W. Dowhan
  • Method and apparatus for a verifiable on line rejection of an applicant for credit
    Publication number: 20040039687
    Abstract: A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.
    Type: Application
    Filed: March 10, 2003
    Publication date: February 26, 2004
    Applicant: NextCard, Inc.
    Inventors: Jeremy R. Lent, Mary Lent, Eric R. Meeks, Yinzi Cai, Timothy J. Coltrell, David W. Dowhan
  • Method and apparatus for a verifiable on line rejection of an application for credit
    Patent number: 6567791
    Abstract: A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.
    Type: Grant
    Filed: November 3, 1998
    Date of Patent: May 20, 2003
    Assignee: NextCard, Inc.
    Inventors: Jeremy R. Lent, Mary Lent, Eric R. Meeks, Yinzi Cai, Timothy J. Coltrell, David W. Dowhan
  • Method and apparatus for real time on line credit approval
    Patent number: 6405181
    Abstract: A system and method are disclosed for providing real time approval of credit over a network. The method includes obtaining applicant data from an applicant. The applicant data is analyzed into a form suitable for directly obtaining a credit report from a credit bureau for the applicant. A credit report having credit report data is obtained from a credit bureau for the applicant. It is then determined whether to accept the applicant using the credit report data and it is communicated to the applicant that the applicant has been approved.
    Type: Grant
    Filed: November 3, 1998
    Date of Patent: June 11, 2002
    Assignee: NextCard, Inc.
    Inventors: Jeremy R. Lent, Mary Lent, Eric R. Meeks, Yinzi Cai, Timothy J. Coltrell, David W. Dowhan
  • METHOD AND APPARATUS FOR A VERIFIABLE ON LINE REJECTION OF AN APPLICANT FOR CREDIT
    Publication number: 20020052833
    Abstract: A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.
    Type: Application
    Filed: November 3, 1998
    Publication date: May 2, 2002
    Inventors: JEREMY R. LENT, MARY LENT, ERIC R. MEEKS, YINZI CAI, TIMOTHY J. COLTRELL, DAVID W. DOWHAN
  • METHOD AND APPARATUS FOR REAL TIME ON LINE CREDIT APPROVAL
    Publication number: 20020007341
    Abstract: A system and method are disclosed for providing real time approval of credit over a network. The method includes obtaining applicant data from an applicant. The applicant data is analyzed into a form suitable for directly obtaining a credit report from a credit bureau for the applicant. A credit report having credit report data is obtained from a credit bureau for the applicant. It is then determined whether to accept the applicant using the credit report data and it is communicated to the applicant that the applicant has been approved.
    Type: Application
    Filed: November 3, 1998
    Publication date: January 17, 2002
    Inventors: JEREMY R. LENT, MARY LENT, ERIC R. MEEKS, YINZI CAI, TIMOTHY J. COLTRELL, DAVID W. DOWHAN
  • Method and apparatus for an account level offer of credit and real time balance transfer
    Patent number: 6324524
    Abstract: A system and method are disclosed for presenting multiple custom offers to an applicant for credit over a network. The method includes obtaining a credit report containing applicant data. A plurality of offers are presented to the applicant. The plurality of offers are derived from the applicant data. The plurality of offers include different required balance transfers. A selected offer is obtained from the applicant.
    Type: Grant
    Filed: November 3, 1998
    Date of Patent: November 27, 2001
    Assignee: NextCard, Inc.
    Inventors: Jeremy R. Lent, Mary Lent, Eric R. Meeks, Yinzi Cai, Timothy J. Coltrell, David W. Dowhan