G06Q 40/03
Credit
Official title: Credit; Loans; Processing thereof
G06Q40/03 (Credit) appears on 5,402 US grants and 8,059 published applications in this corpus.
Search patents in G06Q- Granted patents
- 5,402
- Published applications
- 8,059
- Assignees
- 2,150
- Inventors
- 13,497
- Latest grant
- 6 Oct 2026
Filings by year
| Year | Granted patents | Published applications |
|---|---|---|
| 1980 | 2 | 0 |
| 1981 | 0 | 0 |
| 1982 | 0 | 0 |
| 1983 | 0 | 0 |
| 1984 | 0 | 0 |
| 1985 | 0 | 0 |
| 1986 | 0 | 0 |
| 1987 | 1 | 0 |
| 1988 | 4 | 0 |
| 1989 | 2 | 0 |
| 1990 | 4 | 0 |
| 1991 | 3 | 0 |
| 1992 | 2 | 0 |
| 1993 | 8 | 0 |
| 1994 | 2 | 0 |
| 1995 | 2 | 0 |
| 1996 | 3 | 0 |
| 1997 | 15 | 0 |
| 1998 | 15 | 0 |
| 1999 | 46 | 0 |
| 2000 | 60 | 0 |
| 2001 | 37 | 61 |
| 2002 | 29 | 270 |
| 2003 | 34 | 274 |
| 2004 | 30 | 263 |
| 2005 | 44 | 274 |
| 2006 | 101 | 300 |
| 2007 | 120 | 414 |
| 2008 | 191 | 355 |
| 2009 | 283 | 349 |
| 2010 | 536 | 361 |
| 2011 | 522 | 301 |
| 2012 | 435 | 410 |
| 2013 | 391 | 283 |
| 2014 | 239 | 412 |
| 2015 | 61 | 255 |
| 2016 | 42 | 204 |
| 2017 | 89 | 175 |
| 2018 | 118 | 197 |
| 2019 | 154 | 260 |
| 2020 | 228 | 431 |
| 2021 | 246 | 407 |
| 2022 | 270 | 398 |
| 2023 | 329 | 455 |
| 2024 | 332 | 408 |
| 2025 | 241 | 344 |
| 2026 | 131 | 198 |
By publication year. Applications have been published since 2001. 2026 runs to 8 Oct.
Subgroups
Granted patents
- G06Q 40/0305Platforms for credit or lending product research, comparison or matching82
- G06Q 40/031Credit restrictions on particular classes of purchases or children accounts17
- G06Q 40/035Using financial equations or formulas11
- G06Q 40/032Account notification, monitoring, detecting, or reporting therefor9
- G06Q 40/038Car or vehicle loans7
- G06Q 40/036Mortgages5
- G06Q 40/037Revolving line of credit4
- G06Q 40/033Analysing or forecasting financial condition of borrowers3
All 10 subgroupsShow fewer
Recent patents
- Digital identity sign-in6 Oct 2026US 12,754,983 B2Early Warning Services, LLC
- Decision tree model training process6 Oct 2026US 12,755,315 B2The Toronto-Dominion Bank
- System, devices, and methods for acquiring and verifying online information29 Sep 2026US 12,749,086 B2
- Predicting targeted, agency-specific recovery events using trained artificial intelligence processes22 Sep 2026US 12,743,486 B2The Toronto-Dominion Bank
- Updating attribute data structures to indicate trends in attribute data provided to automated modelling systems15 Sep 2026US 12,737,686 B2Equifax Inc.
- Methods, systems, and devices for providing a multi-agent framework to adjust automated services8 Oct 2026US 2026/0310419 A1JPMorgan Chase Bank, N. A.
- Blockchain-smart-contract-driven decentralized ai training data collecting and labeling method8 Oct 2026US 2026/0311041 A1Metablock Holdings Ltd
- Method and system for electronic transaction management and data extraction8 Oct 2026US 2026/0311132 A1Nammu21, Inc.
- Control tower for prospective transactions8 Oct 2026US 2026/0311153 A1Wells Fargo Bank, N. A.
- Characterizing Attribute Level Impact on Model Outputs8 Oct 2026US 2026/0311247 A1
Most cited
By later US patents
- Data transmission system and data transmitting method1,435US 8,140,417 B2Sharp Kabushiki Kaisha · 2012
- Anonymous matching system1,412US 5,136,501 AReuters Limited · 1992
- Children's credit or debit card system1,251US 5,953,710 A1999
- System and method for real time loan approval1,151US 5,870,721 AAffinity Technology Group, Inc. · 1999
- System and method for a risk-based purchase of goods1,004US 5,732,400 ACitibank, N. A. · 1998