DOWNLOADABLE COMPUTER SOFTWARE FINANCIAL PLATFORMS

Brand	Owner	Address	Description
EXPERIAN ACTIVATE	ConsumerInfo.Com, Inc.	18500 Von Karman Avenue Irvine CA 92612	Downloadable computer software financial platforms for lender partners, credit companies and loan providers; Downloadable computer software and mobile phone and device application software for providing information to lender partners, credit companies and loan providers;Financial services, namely, providing self-service access for lender partners, credit companies and loan providers to allow for fine-tuning and customization of their offerings in the marketplace and for lenders to use that shows them where they stand, and where there are opportunities to grow their business in the existing marketplace versus their peers; providing financial information, financial analysis and financial advice via a website;Platform as a service (PAAS) featuring computer software platforms for use by lender partners, credit companies and loan providers to access data and analytics to fine-tune and customize offerings in the marketplace and as a tool for lenders to use that shows them where they stand, and where there are opportunities to grow their business in the existing marketplace versus their peers; software as a service (SAAS) services featuring software for use by lender partners, credit companies and loan providers to access our data and analytics to fine-tune and customize offerings in the marketplace and as a tool for lenders to use that shows them where they stand, and where there are opportunities to grow their business in the existing marketplace versus their peers;
	Where the owner name is not linked, that owner no longer owns the brand

Technical Examples

A computer-implemented draft authentication method for use in e-commerce includes the steps of establishing partner relationships between a financial institution and a plurality of World Wide Web (Web) vendors and storing, for each of a plurality of Web customers, at least one piece of unique identifying information linked to the Web customer's financial information. Web customers executing drafts or causing drafts to be executed by the Web vendors and presented to the financial institution are authenticated by immediately encrypting at least a portion of an identification data set provided by the Web customer over the network and by successfully matching the immediately encrypted identification data set with the stored piece(s) of encrypted identifying information. The Web customer's financial information is then retrieved only by the financial institution and constraints are established based on the retrieved information. The financial institution then honors drafts presented by the Web vendors with whom the drawee has a partner relationship only when the Web customer is successfully authenticated and the constraints are satisfied. Only the identification information (such as biometric data and/or ID and password pairs) of each of the Web customers is securely replicated from the financial institution to each of the Web vendors. LDAP-compatible Directory software may be utilized as the means of storing, processing and replicating the Web customer's identification information to each of the Web vendors. The financial institution warrants the security of the system and controls the replication and content of the Directories at each of the Web vendor sites.