Alms for the poor.... Affinity Technology Group's DeciSys/RT and Automated Loan Machine (ALM) software systems were created to process loans, capture consumer information entered by loan officers, and automatically communicate with credit bureaus and third party financial services firms. Finding little success offering its software under the application service provider model, the company slashed its workforce and focused its efforts on its mortgage processing business; in 2002 Affinity discontinued its mortgage processing operations, hoping to license its patents to other companies. The company (which has filed a patent infringement complaint against Ameritrade) is seeking additional capital to remain viable.