US 7,848,978 B2Granted

Enhanced transaction resolution techniques

AssigneeApollo Enterprise Solutions, Inc.

InventorsG. Christopher Imrey, William J. House, III

Life of this patent

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Abstract

A method for completing a transaction is presented. The method comprises establishing network communications between a user and a server, receiving information, at the server, regarding the transaction, seeking available information pertinent to the transaction from at least one source external to the server and the user, processing data from the available information using a rules based engine including rules established on behalf of a party to the transaction located at the server, and presenting an offer set to the user based on at least one decision made by the rules based engine. The transaction may be one according to a variety of scenarios, and the user may be a appropriate party to the transaction. The user may employ various devices to contact the server and seek to complete the transaction.

Claims27

Dependent claims

A method for settling a transaction comprising a preexisting financial obligation owed by a user to a party to the preexisting financial obligation, comprising:

enabling the user to contact the server, wherein the server is configured to authenticate an identity of the user and provide preexisting financial obligation information to the user, including an amount of money currently owed by the user to the party to the preexisting financial obligation;
causing the server to seek available financial information pertinent to an ability of the user to satisfy the preexisting financial obligation from at least one credit bureau;
processing data from the available financial information at the server using a rules based engine including rules established on behalf of the party to the preexisting financial obligation located at the server;
and
causing the server to present an offer set to the user based on at least one decision made by the rules based engine, the offer set comprising at least one individually selectable monetary offer selectable by the user including at least one decisioned monetary settlement term determined based on the rules established on behalf of the party to the preexisting financial obligation and available financial information, each individually selectable monetary offer selectable by a user to settle the transaction;
wherein the server requires no debt recovery product be accepted by the user to settle the transaction.

3 more elements

Dependencies are inferred from the claim text.

Facts

Application: 11/372,588Filed 9 Mar 2006 · continuation in part
Priority: 19 Oct 2004
Published: US 2007/0156580 A15 Jul 2007
Granted: 7 Dec 2010
Term ends: Not estimatedThe source records don’t support an estimate.

Classification10 codes

G06Q 40/03
Finance; Insurance; Tax strategies; Processing of corporate or income taxes: credit; Loans; Processing thereof
G06Q 20/02
Payment architectures, schemes or protocols: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/04
Payment architectures, schemes or protocols: payment circuits
G06Q 20/10
Payment architectures: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems

Family

Application60/620,131Us provisional application · filed 19 Oct 2004
Application11/256,404Parent of this continuation-in-part · filed 19 Oct 2005
Application11/256,405Parent of this continuation-in-part · filed 19 Oct 2005
Application11/256,406Parent of this continuation-in-part · filed 19 Oct 2005
US 2007/0156580 A1Pre-grant publication · published 5 Jul 2007
US 2006/0085330 A1Published application
US 2006/0085331 A1Published application
US 2006/0085332 A1Published application
US 8,504,468 B2Related patent
US 8,510,214 B2Related patent
US 8,768,826 B2Related patent
US 7,848,978 B2This patent

From the US filing history. Foreign family members aren’t listed.