Patents by Inventor Yinzi Cai

Yinzi Cai 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).

  • Patent number: 8498936
    Abstract: This invention relates to a novel system which includes a new device (the DEVICE) and a new business process (the PROCESS) that combines multiple cards (for both financial and non-financial transactions) into one card in a secured manner.
    Type: Grant
    Filed: May 7, 2009
    Date of Patent: July 30, 2013
    Inventor: Yinzi Cai
  • 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
  • Publication number: 20110047074
    Abstract: This invention relates to a novel system which includes a new device (the DEVICE) and a new business process (the PROCESS) that combines multiple cards (for both financial and non-financial transactions) into one card in a secured manner.
    Type: Application
    Filed: May 7, 2009
    Publication date: February 24, 2011
    Inventor: Yinzi Cai
  • 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
  • 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
  • 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
  • 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
  • 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
  • Publication number: 20070027785
    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: October 5, 2006
    Publication date: February 1, 2007
    Inventors: Jeremy Lent, Mary Lent, Eric Meeks, Yinzi Cai, Timothy Coltrell, David Dowhan, Dermot Gately
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • Patent number: RE47247
    Abstract: This invention relates to a novel system which includes a new device (the DEVICE) and a new business process (the PROCESS) that combines multiple cards (for both financial and non-financial transactions) into one card in a secured manner.
    Type: Grant
    Filed: July 29, 2015
    Date of Patent: February 19, 2019
    Inventor: Yinzi Cai
  • Patent number: RE47248
    Abstract: This invention relates to a novel system which includes a new device (the DEVICE) and a new business process (the PROCESS) that combines multiple cards (for both financial and non-financial transactions) into one card in a secured manner.
    Type: Grant
    Filed: July 29, 2015
    Date of Patent: February 19, 2019
    Inventor: Yinzi Cai