Richard J Irwin

US Patent:

20090182661, Jul 16, 2009

Filed:

Jan 15, 2009

Appl. No.:

12/354535

Inventors:

Richard F. Irwin - Phoenix AZ, US

Assignee:

Directmailers - Phoenix AZ

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35

Abstract:

A computer-implemented method for providing firm offers of credit to a consumer includes receiving consumer information from a consumer via a network, receiving a selection via the network from the consumer to permit at least one soft credit inquiry of the consumer's credit record, submitting a soft credit inquiry to a credit reporting agency, the soft credit inquiry based on the consumer information, receiving at least one firm offer of credit from the credit reporting agency, the firm offer of credit resulting from the credit reporting agency performing the soft credit inquiry on the consumer's credit record, each firm offer of credit provided by a credit issuer; and providing the at least one firm offer of credit to the consumer via the network.

US Patent:

20150019408, Jan 15, 2015

Filed:

Oct 1, 2014

Appl. No.:

14/503985

Inventors:

- Phoenix AZ, US
Richard F. Irwin - Phoenix AZ, US

International Classification:

G06Q 40/02

US Classification:

705 38

Abstract:

A computer-implemented method for providing firm offers of credit to a consumer includes receiving consumer information from a consumer via a network, receiving a selection via the network from the consumer to permit at least one soft credit inquiry of the consumer's credit record, submitting a soft credit inquiry to a credit reporting agency, the soft credit inquiry based on the consumer information, receiving at least one firm offer of credit from the credit reporting agency, the firm offer of credit resulting from the credit reporting agency performing the soft credit inquiry on the consumer's credit record, each firm offer of credit provided by a credit issuer; and providing the at least one firm offer of credit to the consumer via the network.