RICHARD COX GREER, M.D.
Osteopathic Medicine at Patewood Dr, Greenville, SC

7896237, Mar 1, 2011

Aug 23, 2006

11/466708

Jay Giesen - Centennial CO, US
Richard Elliott Greer - Greenville SC, US

Compucredit Intellectual Property Holdings Corp. II - Las Vegas NV

G06K 5/00, G07D 11/00

235380, 235379

A method and system for providing and activating a credit card and credit line to a consumer. In one embodiment, the system and method include providing the consumer with a choice of one credit card from a plurality of cards. In response to the consumer's selection of one of the plurality of credit cards, an immediate authorization request is made for the credit card from an authorization source, such as a mobile telephone, kiosk, cash register, or credit card transaction device. Upon transmission of the authorization request, a rapid approval or disapproval is made based upon the applicant's financial status. This status may include the existence of an open bank account, such as a checking or savings account, or other credit worthiness indicia, such as prior business history with the lender and prior credit history. Once activated, the credit card may be used to purchase goods and services.

2005028, Dec 22, 2005

May 31, 2005

10/908899

Richard Greer - Greenville SC, US
Thomas Epting - Greenville SC, US

G06F017/60

705040000, 705038000

Credit underwriting for a financial transaction is automatically commenced and concluded by the initiative of a customer. The customer initiates the financial transaction by interfacing to a merchant application. This interface may include a point of sale terminal, a card reader, a kiosk or the like. Customer-pertinent information and financial transaction pertinent information is obtained as a result of the customer initiating the process. The customer-pertinent and financial transaction pertinent information is then processed and the credit underwriting is approved if the customer associated with the customer-pertinent information is qualified for underwriting of a transaction described by the financial transaction pertinent information. A financial agreement that can be accepted by the customer interfacing to the merchant application is then generated and, if accepted by the customer, the funding for the financial transaction is provided. The processing of the information can include examining a database that includes customer data that correlates to the customer pertinent information and regulatory information required by the state in which the merchant operates, government imposed requirements and merchant imposed requirements.

5655008, Aug 5, 1997

Jun 7, 1995

8/487070

Donald R. Futch - Columbia SC
Richard E. Greer - Greenville SC

Dart, Inc. - Columbia SC

H04M 1100

379 9101

A system and method whereby a multiplicity of users may perform a variety of transactions, such as a product/service request, a bill payment request and long distance telephone service, through a system operator. The system includes a plurality of telephone instruments respectively having a telephone identifier and a wallet card swipe reader or the like for inputting a user identifier. A plurality of user actuators, such as individual buttons, are located on the telephone instrument to initiate a request for a particular transaction. A system processor in communication with the telephone instrument determines which type of transaction is being requested and determines whether the request is valid. Preferably, the validity check is completely performed at a gateway computer having a validity table in its memory corresponding to the particular telephone instrument. The gateway computer stores all transaction requests accrued over a period of time in its memory and forwards them to a central computer at a predetermined regular time.

2007006, Mar 15, 2007

Sep 12, 2006

11/531189

Thomas Epting - Greenville SC, US
Richard Greer - Greenville SC, US

G06Q 40/00

705039000, 235380000

A method and system for providing credit at a point of sale are provided. The method includes both an open-ended model and a closed-ended model. In the open-ended model a card, such as a credit card, is provided to the customer. The customer first enters into an agreement for repayment with a credit provider. When the customer uses the card, a new installment transaction is added to a revolving line of credit. An open-ended loan agreement is delivered to the customer at the point of sale. The open-ended loan agreement may include available credit left, payment terms, and payment date. In the closed-ended model, the customer need not first sign an agreement with the credit provider. The customer simply obtains and uses a card to obtain a closed-ended, single installment, installment loan.

7865433, Jan 4, 2011

Aug 23, 2004

10/924015

Richard E. Greer - Greenville SC, US
Thomas W. Epting - Greenville SC, US

Compucredit Intellectual Property Holdings Corp. II - Las Vegas NV

G06Q 40/00

705 39

A merchant can extend credit to a customer by establishing an account which allows the account to be paid off, or significantly paid down, on or after the customer's next payday. The payment can be directly extracted from the customer's bank account. The merchant is provided with a merchant system. The merchant system is used to read or recognize a unique customer identifier device, such as a magnetically encoded or bar-coded customer card, or an integrated chip, micro-computer, manually entered PIN etc. , which uniquely identifies an account held by the customer. The merchant device communicates the information to a server system which approves the transaction and cooperatively the merchant system and server system generate a transaction instrument that can be signed by the customer.