公开(公告)号：US20140006202A1

公开(公告)日：2014-01-02

申请号：US13749671

申请日：2013-01-24

申请人： Robert Frohwein ,  Kathryn Petralia ,  Joseph Gorlin

发明人： Robert Frohwein ,  Kathryn Petralia ,  Joseph Gorlin

IPC分类号： G06Q40/02

CPC分类号： G06Q40/025

摘要： A method, apparatus, and computer readable storage to implement a lending or cash advance system that can be (but is not required to be) integrated with an online commerce site. Sellers on the online commerce site can click a button or tab in their web browser that is visiting the online commerce site and information known to the online commerce site is automatically shared with a potential cash provider. Data from a delivery service can be automatically retrieved by the cash provider/cash server in order to determine the volume of shipments that the seller has been making. This volume can be used when the cash server determines the seller's score in order to evaluate an application for cash.

摘要翻译： 一种方法，装置和计算机可读存储器，用于实现与在线商务站点集成的（但不是必需的）的借贷或现金提前系统。 在线商务网站上的卖家可以点击访问在线商务网站的网络浏览器中的按钮或标签，并且可以与潜在的现金提供商自动分享在线商务网站上已知的信息。 来自送货服务的数据可以由现金提供者/现金服务器自动检索，以确定卖方一直在作出的货物量。 当现金服务器确定卖方的分数以评估现金申请时，可以使用该卷。

公开(公告)号：US20070162381A1

公开(公告)日：2007-07-12

申请号：US11321633

申请日：2005-12-28

申请人： Kathryn Petralia ,  Robert Frohwein

发明人： Kathryn Petralia ,  Robert Frohwein

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/025

摘要： Methods for providing financial instruments to customers and applicants of a service provider are disclosed. One method, among others, includes providing a device such as a mobile telephone to a user, and providing the user with a contactless card having a financial account identifier that is associated with a financial account.

摘要翻译： 披露向客户和服务提供者申请人提供金融工具的方法。 一种方法包括向用户提供诸如移动电话的设备，以及向用户提供具有与金融帐户相关联的金融帐户标识符的非接触式卡。

公开(公告)号：US10255632B2

公开(公告)日：2019-04-09

申请号：US13749671

申请日：2013-01-24

申请人： Robert Frohwein ,  Kathryn Petralia ,  Marc Gorlin

发明人： Robert Frohwein ,  Kathryn Petralia ,  Marc Gorlin

IPC分类号： G06Q40/02

摘要： A method, apparatus, and computer readable storage to implement a lending or cash advance system that can be (but is not required to be) integrated with an online commerce site. Sellers on the online commerce site can click a button or tab in their web browser that is visiting the online commerce site and information known to the online commerce site is automatically shared with a potential cash provider. Data from a delivery service can be automatically retrieved by the cash provider/cash server in order to determine the volume of shipments that the seller has been making. This volume can be used when the cash server determines the seller's score in order to evaluate an application for cash.

公开(公告)号：US20070150409A1

公开(公告)日：2007-06-28

申请号：US11317211

申请日：2005-12-23

申请人： Kathryn Petralia

发明人： Kathryn Petralia

IPC分类号： G06Q40/00

CPC分类号： G06Q40/06 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q50/16

摘要： A system and method for extending and securing credit with an applicant's equity in real property is provided. An applicant first applies for a home equity line of credit. The necessary documentation and steps to secure credit with an interest in real property can be time consuming. To provide more rapid access of funds to the applicant, after determining whether the applicant is credit worthy, perhaps from a subset of information found on the application for the equity line of credit, the lender extends an unsecured line of credit to the applicant with the understanding that once the additional documentation and steps are completed, the unsecured line of credit will be converted to a secured line of credit. When the additional documentation and steps are completed, the lender files a lien on the applicant's equity interest and converts the unsecured line of credit to a secured line of credit. The lender may additionally provide a credit card with which funds may be drawn on the credit line.

摘要翻译： 提供了一种扩展和确保申请人不动产权益信用的制度和方法。 申请人首先申请家庭股权信用额度。 必要的文件和步骤来确保对不动产感兴趣的信贷可能是耗时的。 为了更快速地向申请人提供资金，在确定申请人是否值得信用的情况下，或许是从申请股权信用额度的一小部分信息中，贷方向申请人扩展了无担保信用额度 了解，一旦额外的文件和步骤完成，无担保的信用额度将被转换为有担保的信用额度。 当额外的文件和步骤完成后，贷款人将根据申请人的股权提交留置权，并将无担保信用额度转换为担保信用额度。 贷款人可以另外提供信用卡，资金可以在信用额度上提取。

公开(公告)号：USRE46347E1

公开(公告)日：2017-03-21

申请号：US12709956

申请日：2010-02-22

申请人： Kathryn Petralia ,  Robert J. Frohwein ,  Chuck Kyriacos Papageorgiou

发明人： Kathryn Petralia ,  Robert J. Frohwein ,  Chuck Kyriacos Papageorgiou

IPC分类号： G06K5/00 ,  G06Q40/02

CPC分类号： G06Q40/02 ,  G06Q40/025

摘要： Methods A system and method for providing financial instruments to customers and applicants of a service provider are disclosed. One method, among others, includes providing a device such as a mobile telephone to a user, and providing the user with a contactless card having a financial account identifier that is associated with a financial account.

公开(公告)号：US10769637B1

公开(公告)日：2020-09-08

申请号：US15008502

申请日：2016-01-28

申请人： Rob Frohwein ,  Kathryn Petralia

发明人： Rob Frohwein ,  Kathryn Petralia

IPC分类号： G06Q20/34 ,  G06Q20/40

摘要： A method, apparatus, and computer readable storage utilize optical character recognition to authentic a transaction. Optical character recognition is used on a physical instrument and data obtained from the optical character recognition is used to query a remote database. Identification information from the remote database is compared with data obtained from the optical character recognition to determine whether there is an inconsistency of data.

公开(公告)号：US07676410B2

公开(公告)日：2010-03-09

申请号：US11433726

申请日：2006-05-12

申请人： Kathryn Petralia

发明人： Kathryn Petralia

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q40/025 ,  G06Q40/06

摘要： A customer is assisted in recovering from indebtedness by combining a debt consolidation/settlement program with an installment loan. The customer is qualified for an installment loan with a value based on the amount of outstanding indebtedness or possibly based on the anticipated discounted balance. The customer is required to make payments into an escrow account for a period of time to ensure that the customer is credit worthy. One or more of the creditors are then approached in an effort to negotiate a discounted settlement amount in exchange for the reception of immediate reconciliation of the debt owed. A portion of the negotiated discount is retained for compensation, which can be provided to the debt settlement provider and/or the bank finding the installment loan. The balance is passed through to the customer.

摘要翻译： 通过将债务合并/结算计划与分期付款贷款相结合，帮助客户从负债中恢复。 客户有资格获得根据未偿债务金额或可能基于预期贴现余额的价值分期付款。 客户需要在一段时间内支付到代管帐户，以确保客户信誉值得信赖。 然后接近一个或多个债权人，努力谈判打折结算金额，以换取接受所欠债务的即时和解。 协议折扣的一部分被保留，可以提供给债务结算提供者和/或找到分期贷款的银行。 余额转交给客户。

公开(公告)号：US07600675B2

公开(公告)日：2009-10-13

申请号：US11321633

申请日：2005-12-28

申请人： Kathryn Petralia ,  Robert James Frohwein

发明人： Kathryn Petralia ,  Robert James Frohwein

IPC分类号： G06K5/00

CPC分类号： G06Q40/02 ,  G06Q40/025

摘要： Methods for providing financial instruments to customers and applicants of a service provider are disclosed. One method, among others, includes providing a device such as a mobile telephone to a user, and providing the user with a contactless card having a financial account identifier that is associated with a financial account.

摘要翻译： 披露向客户和服务提供者申请人提供金融工具的方法。 一种方法包括向用户提供诸如移动电话的设备，以及向用户提供具有与金融帐户相关联的金融帐户标识符的非接触式卡。

公开(公告)号：US20070265958A1

公开(公告)日：2007-11-15

申请号：US11433726

申请日：2006-05-12

申请人： Kathryn Petralia

发明人： Kathryn Petralia

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q40/025 ,  G06Q40/06

摘要： A customer is assisted in recovering from indebtedness by combining a debt consolidation/settlement program with an installment loan. The customer is qualified for an installment loan with a value based on the amount of outstanding indebtedness or possibly based on the anticipated discounted balance. The customer is required to make payments into an escrow account for a period of time to ensure that the customer is credit worthy. One or more of the creditors are then approached in an effort to negotiate a discounted settlement amount in exchange for the reception of immediate reconciliation of the debt owed. A portion of the negotiated discount is retained for compensation, which can be provided to the debt settlement provider and/or the bank finding the installment loan. The balance is passed through to the customer.

摘要翻译： 通过将债务合并/结算计划与分期付款贷款相结合，帮助客户从负债中恢复。 客户有资格获得根据未偿债务金额或可能基于预期贴现余额的价值分期付款。 客户需要在一段时间内支付到代管帐户，以确保客户信誉值得信赖。 然后接近一个或多个债权人，努力谈判打折结算金额，以换取接受所欠债务的即时和解。 协议折扣的一部分被保留，可以提供给债务结算提供者和/或找到分期贷款的银行。 余额转交给客户。