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Yinzi B Cai

from Palo Alto, CA
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Connected to:
Anping Cai, 46Bao K Cai, 67Beibei Cai, 35Biaodong Cai, 62Caitlin Cai, 34Cecilia Y Cai, 35Changqing Cai, 58Chao Cai, 45Chunli Cai, 52Cristina Cai, 41

Yinzi Cai Phones & Addresses

  • 2250 Webster St, Palo Alto, CA 94301 (650) 328-4502
  • 1431 Greenwood Ave, Palo Alto, CA 94301
  • Fremont, CA
  • 2250 Webster St, Palo Alto, CA 94301

Work

Position: Professional/Technical

Education

Degree: Master of Science, Masters School / High School: Case Western Reserve University

Languages

English

Interests

Reading • Electronics

Industries

Financial Services

Resumes

Resumes

Yinzi Cai Photo 1

Yinzi Cai

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Location:
2250 Webster St, Palo Alto, CA 94301
Industry:
Financial Services
Education:
Case Western Reserve University
Master of Science, Masters Fu Dan University
Bachelors
Interests:
Reading
Electronics
Languages:
English

Publications

Us Patents

Method And Apparatus For Real Time On Line Credit Approval

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US Patent:
6405181, Jun 11, 2002
Filed:
Nov 3, 1998
Appl. No.:
09/185201
Inventors:
Jeremy R. Lent - Corte Madera CA
Mary Lent - Corte Madera CA
Eric R. Meeks - San Francisco CA
Yinzi Cai - Fremont CA
Timothy J. Coltrell - Danville CA
David W. Dowhan - Mountain View CA
Assignee:
NextCard, Inc. - San Francisco CA
International Classification:
G06F 1760
US Classification:
705 38
Abstract:
A system and method are disclosed for providing real time approval of credit over a network. The method includes obtaining applicant data from an applicant. The applicant data is analyzed into a form suitable for directly obtaining a credit report from a credit bureau for the applicant. A credit report having credit report data is obtained from a credit bureau for the applicant. It is then determined whether to accept the applicant using the credit report data and it is communicated to the applicant that the applicant has been approved.

Method And Apparatus For A Verifiable On Line Rejection Of An Application For Credit

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US Patent:
6567791, May 20, 2003
Filed:
Nov 3, 1998
Appl. No.:
09/185878
Inventors:
Jeremy R. Lent - Corte Madera CA
Mary Lent - Corte Madera CA
Eric R. Meeks - San Francisco CA
Yinzi Cai - Fremont CA
Timothy J. Coltrell - Danville CA
David W. Dowhan - Mountain View CA
Assignee:
NextCard, Inc. - San Francisco CA
International Classification:
G06F 1760
US Classification:
705 38, 705 39, 705 42, 705 35, 705 26
Abstract:
A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.

Method And Apparatus For A Verifiable On Line Rejection Of An Applicant For Credit

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US Patent:
7143063, Nov 28, 2006
Filed:
Mar 10, 2003
Appl. No.:
10/386390
Inventors:
Jeremy R. Lent - Corte Madera CA, US
Mary Lent - Corte Madera CA, US
Eric R. Meeks - San Francisco CA, US
Yinzi Cai - Fremont CA, US
Timothy J. Coltrell - Danville CA, US
David W. Dowhan - Mountain View CA, US
Assignee:
NextCard, Inc. - Marlton NJ
International Classification:
G06F 17/60
US Classification:
705 38, 705 26, 705 35, 705 39, 705 42, 705 70, 705 80
Abstract:
A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.

Method And Apparatus For A Verifiable On Line Rejection Of An Applicant For Credit

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US Patent:
7505939, Mar 17, 2009
Filed:
Oct 5, 2006
Appl. No.:
11/543569
Inventors:
Jeremy R. Lent - Corte Madera CA, US
Mary Lent - Corte Madera CA, US
Eric R. Meeks - San Francisco CA, US
Yinzi Cai - Fremont CA, US
Timothy J. Coltrell - Danville CA, US
David W. Dowhan - Mountain View CA, US
Dermot Gately - San Bruno CA, US
Assignee:
NextCard, Inc. - San Francisco CA
International Classification:
G06F 17/60
US Classification:
705 38, 705 26, 705 35, 705 39, 705 42, 705 70, 705 80
Abstract:
A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.

Method And Apparatus For A Verifiable On Line Rejection Of An Applicant For Credit

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US Patent:
7756781, Jul 13, 2010
Filed:
Oct 31, 2007
Appl. No.:
11/931855
Inventors:
Jeremy R. Lent - Corte Madera CA, US
Mary Lent - Corte Madera CA, US
Eric R. Meeks - San Francisco CA, US
Yinzi Cai - Fremont CA, US
Timothy J. Coltrell - Danville CA, US
David W. Dowhan - Mountain View CA, US
Dermot Gately - San Bruno CA, US
Assignee:
NextCard, LLC - Marshall TX
International Classification:
G06F 17/60
US Classification:
705 38, 705 26, 705 35, 705 39, 705 42, 705 70, 705 80
Abstract:
A system and method are disclosed for presenting a reason for the rejection of 5 a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.

One Card System

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US Patent:
8498936, Jul 30, 2013
Filed:
May 7, 2009
Appl. No.:
12/736289
Inventors:
Yinzi Cai - Palo Alto CA, US
International Classification:
G06Q 40/00
US Classification:
705 41
Abstract:
This invention relates to a novel system which includes a new device (the DEVICE) and a new business process (the PROCESS) that combines multiple cards (for both financial and non-financial transactions) into one card in a secured manner.

Method And Apparatus For Real Time Online Credit Approval

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US Patent:
20080270295, Oct 30, 2008
Filed:
Oct 31, 2007
Appl. No.:
11/932498
Inventors:
Jeremy R. Lent - Corte Madera CA, US
Mary Lent - Corte Madera CA, US
Eric R. Meeks - San Francisco CA, US
Yinzi Cai - Fremont CA, US
Timothy J. Coltrell - Danville CA, US
David W. Dowhan - Mountain View CA, US
International Classification:
G06Q 40/00
US Classification:
705 38
Abstract:
A system and method are described for providing real time approval of credit over a network. The method includes obtaining applicant data from an applicant. The applicant data is analyzed into a form suitable for directly obtaining a credit report from a credit bureau for the applicant. A credit report having credit report data is obtained from a credit bureau for the applicant. It is then determined whether to accept the applicant using the credit report data and it is communicated to the applicant that the applicant has been approved.

Method And Apparatus For A Verifiable On Line Rejection Of An Application For Credit

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US Patent:
20100262535, Oct 14, 2010
Filed:
Jun 21, 2010
Appl. No.:
12/819712
Inventors:
Jeremy R. Lent - Corte Madera CA, US
Mary Lent - Corte Madera CA, US
Eric R. Meeks - San Francisco CA, US
Yinzi Cai - Fremont CA, US
Timothy J. Coltrell - Danville CA, US
David W. Dowhan - Mountain View CA, US
Dermot Gately - San Bruno CA, US
International Classification:
G06Q 40/00
G06Q 99/00
G06F 3/01
US Classification:
705 38, 705 35, 715760
Abstract:
A system and method are disclosed for presenting a reason for the rejection of 5 a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identified by the credit bureau is mapped to an internal rejection code. A rejection reason is provided that corresponds to the internal rejection code to the applicant.
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Yinzi B Cai from Palo Alto, CA Get Report