Lloyd D Adams

US Patent:

7389256, Jun 17, 2008

Filed:

Aug 2, 1999

Appl. No.:

09/366135

Inventors:

Lloyd A. Adams - Houston TX, US
Hani Yakan - Houston TX, US

Assignee:

JPMorgan Chase Bank, N.A. - New York NY

International Classification:

G06Q 40/00

US Classification:

705 35, 705 27, 705 26, 705 40

Abstract:

A system and method for processing financial payments including a user terminal, an account processor, and a processing server. The processing server receives financial transaction data from the user terminal and communicates with the account processor, the financial transaction data comprising an amount and an account number. The processing server determines which of the account processors corresponds to the financial transaction data and transmits at least part of the financial transaction data to the determined account processor.

US Patent:

20010032178, Oct 18, 2001

Filed:

Jan 18, 2001

Appl. No.:

09/765137

Inventors:

Lloyd Adams - Houston TX, US
Merlin Reynolds - Houston TX, US

International Classification:

G06F017/60

US Classification:

705/038000, 705/035000, 705/039000, 705/042000

Abstract:

A customer sends loan information through the Internet to a loan approval system mainframe of a bank. The information is entered into a blank load form displayed on a web site hosted by the loan approval system computer. The loan approval system mainframe produces a loan application and sends the loan application to a credit bureau. The credit bureau determines whether the customer should receive the loan. If the customer is to receive the loan, the loan approval system computer sends the loan application to a loan document creation server coupled to a forms database. The loan document creation server sends the appropriate loan documents and/or check to the customer either physically or electronically. In one embodiment, acceptance of the terms of the loan in the loan documents occurs when the customer cashes the check.