James Agostino Brady

US Patent:

20020138411, Sep 26, 2002

Filed:

Mar 22, 2001

Appl. No.:

09/815073

Inventors:

Clifford Monlux - Seattle WA, US
James Brady - Bellevue WA, US
Brent Picasso - Edmonds WA, US

International Classification:

G06F017/60

US Classification:

705/038000

Abstract:

An on-line financing application service is equipped to electronically facilitate a vendor/broker or a client of the vendor/broker to complete different sections of a financing application under a financing program offering of a funding source. The service is also equipped to automatically select a rate structure in for the completed financing application in accordance with a pre-defined rate structure selection process. Further, the service is equipped to facilitate submission of the completed financing application for consideration, and the service automatically process the submitted financing application in accordance with a pre-defined financing application approval/disposition process, approving, rejecting, or referring the application to a different rate structure for quote, or consideration under a different financing program offering of the same or different funding sources.

US Patent:

20020138421, Sep 26, 2002

Filed:

Mar 22, 2001

Appl. No.:

09/815175

Inventors:

Clifford Monlux - Seattle WA, US
James Brady - Bellevue WA, US
Brent Picasso - Edmonds WA, US

International Classification:

G06F017/60

US Classification:

705/039000, 705/035000

Abstract:

An on-line financing application service (FAS) is equipped with functionalities to enable multiple funding sources to create multiple financing program offerings on-line. The FAS also facilitates the funding sources to selectively associate selected ones of the financing program offerings to multiple brokers/vendors, who in turn may create derivative financing program offerings, apply for financing, apply on behalf of their clients, or facilitate direct application by their clients, under selected ones of the financing program offerings on-line. The FAS is also equipped to allow an application submitted for consideration under a financing program offering to be automatically approved or referred to another rate sheet for quoting, another financing program offering of the same/different funding source/broker for consideration. In one embodiment, the automatic approval or referral is based at least in part on the business profile and credit information of the applicant.

US Patent:

20030163412, Aug 28, 2003

Filed:

Mar 22, 2001

Appl. No.:

09/815185

Inventors:

Clifford Monlux - Seattle WA, US
James Brady - Bellevue WA, US
Brent Picasso - Edmonds WA, US

International Classification:

G06F017/60

US Classification:

705/038000

Abstract:

An on-line financing application service includes a master financing application template and associated tools for use by funding sources in creating organizational financing application templates, and therefrom financing program offerings. In various embodiments, the on-line financing application service further includes facilities for the funding sources in defining rate structures and the processes for selecting the rate structures for the various program offerings. In various embodiments, the on-line financing application service further includes facilities for the funding sources in defining application approval/disposition processes for automatically approving, rejecting or referring financing applications submitted for consideration under alternate rate sheets for quotes or under alternate program offerings of the same or different funding sources.