| http://www.w3.org/ns/prov#value | - With respect to the embodiments in which the applicant indirectly accesses the system by placing a telephone call to an employee of the lender, who in turn accesses the system over the Web or through an intranet or other network, a user session is defined as the period of time during which (i) the above conditions with respect to Web users are met, treating the lender's employee as the user, and (
|
