Lawrence H Sussman

US Patent:

D457733, May 28, 2002

Filed:

Feb 23, 2001

Appl. No.:

29/137589

Inventors:

Lawrence Sussman - Old Westbury NY 11797
Mitchell Tendler - Camarillo CA 93010

International Classification:

0607

US Classification:

D 6300, D6303, D6314

US Patent:

D468350, Jan 7, 2003

Filed:

Mar 1, 2002

Appl. No.:

29/156608

Inventors:

Lawrence Sussman - Old Westbury NY 11797
Mitchell Tendler - Camarillo CA 93010

International Classification:

1904

US Classification:

D19 28, D6303

US Patent:

60886862, Jul 11, 2000

Filed:

Dec 3, 1996

Appl. No.:

8/758770

Inventors:

Darcy Walker - Chicago IL
Lawrence J. Sussman - New York NY
Mona Mayr - Naperville IL
Charles G. Dean - Villa Park IL
Dennis Seib - St. Peters MO
Richard Musci - Raleigh NC
Glenn Marino - Cincinnati OH

Assignee:

Citibank, N.A. - New York NY

International Classification:

G06F 15163

US Classification:

705 38

Abstract:

A user-friendly on-line computerized system operates in real-time thus streamlining the processing of applications for products and services offered by a financial institution. The system automates many steps in the credit and liability review and approval process, performs background credit worthiness evaluations based upon a applicant's credit score, financial information and new or existing relationship with the financial institution, recommends to those applicants who exceed the initial criteria for credit consideration specific credit products with predetermined credit qualified offer amounts, and ensures the required operating (credit/liability) policies are appropriately completed. The system immediately analyzes an applicant's credit bureau history and automated credit scoring, and provides these results to the LBR. The system also takes into account information relating to the applicant's new or existing relationship with the financial institution, if any, into the credit decision request.