WO1999013425A9 - Interactive mortgage and loan information and real-time trading system - Google Patents
Interactive mortgage and loan information and real-time trading systemInfo
- Publication number
- WO1999013425A9 WO1999013425A9 PCT/US1998/018934 US9818934W WO9913425A9 WO 1999013425 A9 WO1999013425 A9 WO 1999013425A9 US 9818934 W US9818934 W US 9818934W WO 9913425 A9 WO9913425 A9 WO 9913425A9
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- loan
- lender
- broker
- database
- lenders
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Definitions
- the invention relates to an interactive mortgage and loan information and real-time trading system.
- a relatively large amount of information must be exchanged to conduct a loan transaction, such as a new home mortgage loan.
- a loan transaction such as a new home mortgage loan.
- This relatively large amount of information must be collected, compared, evaluated, and disseminated to possible counterparties to the transaction.
- the major parties include the borrower (and/or agent such as a mortgage broker) and the lender; other parties can include appraisal agents, regulatory agencies, mortgage insurance companies, and secondary mortgage market participants.
- a lender attempting to set lending rates might be required to examine the present interest rate market, determine the mix of qualified borrowers likely to apply, determine a set of lending programs and lending rates best suited to the market and the risk the lender is willing to bear, and periodically post rate sheets or similar advertising material to multiple mortgage brokers informing them of those lending programs and lending rates.
- the lender Upon receiving a loan application, the lender might also be required to independently evaluate the creditworthiness of the borrower and the value of the underlying property.
- a method and system for automating loan applications such as home mortgage loan applications, placing them up for bid by a plurality of potential lenders, and following those loans using a technique for managing such loan applications and bids.
- This advantage is achieved in an embodiment of the invention in which a database server maintains a database of pending loan applications and their statuses; each party to the loan can search and modify that database consistent with their role in the transaction, by requests to the server from a client device identified with their role.
- the invention provides a method and system for trading loans in real time by making loan applications, such as home mortgage loan applications, and placing them up for bid by a plurality of potential lenders.
- a transaction server maintains a database of pending loan applications and their statuses; each party to the loan can search and modify that database consistent with their role in the transaction, by requests to the server from a client device identified with their role.
- brokers at a broker station can add loan applications, can review the status of loan applications entered by that broker, are notified of lender's bids on their loans, and can accept bids by lenders.
- Lenders at a lender station can search the database for particular desired types of loans, can sort selected loans by particular desired criteria, can bid on loan applications, and are notified when their bids are accepted.
- Broker stations, lender stations, and the transaction server can be coupled using multiple access methods, including internet, intranet, or dial-up or leased communication lines.
- the transaction server marks prospective loans in its database by a variety of identifiers which might be of interest to lenders, including a loan amount, property location, property appraisal, borrower credit information, and potential CRA qualification for the property.
- the transaction server computes information about prospective loans which might be of interest to lenders, such as loan-to-value ratios, qualifying credit scores, and income classification for potential CRA qualification of the loan.
- the transaction server provides exogenous information which might be of interest to lenders and brokers for pricing loans, such as public bond market and other interest rate market news, as well as computed information regarding the pool of loans, such as current and past low, average, and high rates for a variety of loans traded using the system.
- the transaction server provides for detecting substantially identical loan applications originated by the same broker, so as to prevent double applications for the same borrower, and also provides brokers and lenders each the capability for designating counterparties with whom they wish not to conduct business.
- the transaction server is also supported by administration client/server devices for maintaining consistency and integrity of the transactions and relationships between parties.
- Figure 1 shows a block diagram of an interactive mortgage and loan information and real-time trading system.
- Figure 2 shows a process flow diagram of operation of an interactive mortgage and loan information and real-time trading system.
- FIG. 1 shows a block diagram of an interactive mortgage and loan information and real-time trading system.
- An interactive mortgage and loan information and trading system 100 includes a transaction server 1 10, a set of broker stations 120, a set of lender stations 130, an administration client server 150, a set of system monitor stations 160, a web server 170, and a communication network 140.
- the transaction server 110 comprises a device or set of devices coupled to the network 140, such as a general purpose processor operating under control of operating system and application software, and disposed to respond to messages from the broker stations 120, the lender stations 130, and the system monitor stations 160, as described herein.
- the transaction server 110 can comprise a Unix server such as a Sun UltraSparc processor operating under control of the Solaris operating system.
- the transaction server 110 includes a trading system database 111, a geographic database 112, and a set of external interfaces 113.
- the transaction server 110 enters loan profiles into the trading system database 111 in response to requests from the broker stations 120, searches the trading system database 111 in response to requests from the lender stations 130, and modifies the trading system database 111 in response to changes in status for loan profiles stored therein.
- the trading system database 111 includes loan profiles and other information needed to support trading operations for loans, stored in a relational database accessed using a database server module.
- the relational database comprises an Oracle database, but in alternative embodiments the relational database may comprise another type of relational database, such as a Sybase database, or may comprise an object-oriented database or another type of database structure.
- the trading system database 111 includes information regarding each loan application and its status.
- Each loan application includes a loan profile, which comprises information about the prospective loan, a set of bids, each of which comprises an offer to make the loan from a particular lender, and a set of status information, which relates to the processing of the loan application using the system 100.
- At least the following information is included for each loan profile:
- loan category FHLMC, FNMA, Conduit, VA, FHA, or Other
- loan amount loan type, such as adjustable or fixed interest rate
- loan duration loan duration
- property type such as SFR (single family residence), 2 units, 3 units, or 4 units
- property location by street address, city, county, and state
- seller's asking price appraised value information about the borrower, including — income and assets, credit history, and any negative information about the borrower (such as bankruptcy filings or debt discharge dates, reports of late mortgage payments)
- the transaction server 110 computes some information for each loan application which might be of interest to lenders and enters that information in the trading system database H I when the loan profile itself is entered.
- this computed information includes:
- LTV lass to value
- CLTV combined loan to value
- debt ratios Frront ratio and Back ratio
- the property o computed information about the property, including — its census tract, its MSA (Metropolitan Statistical Area); its qualification as being in an area with majority population belonging to ethnic minorities; the income classification for its MSA o computed information about the borrower; including — combined income and combined debt for multiple borrowers; qualifying credit score; CRA qualification for the loan (responsive to the borrower's income, the median income for the property's census tract, and the median income for the property's MSA)
- the geographic database 112 includes a geocoded database accessed using a geographic database module.
- the geocoded database relates each property address to its corresponding census tract, and comprises information relating to each census tract, such as median income, used for computing possible CRA qualification for the loan.
- the transaction server 110 reads the geographic database 112 to determine information relating to the property.
- the external interfaces 113 include communication links to exogenous information and services, using the network 140 or other direct links.
- the transaction server 110 uses the external interfaces 113 to obtain information relating to the interest rate markets, the borrower , or the property.
- these exogenous information and services include:
- the transaction server 1 10 includes a set of program modules. Each module is a set of software objects and/or program elements, collectively having the ability to execute independently in a separate thread or logical chain of process execution. Each module can be executed as a separate logical server or using a separate physical device. However, for clients such as the broker stations 120, the lender stations 130, and the administrative stations 150, the transaction server 110 operates as a single logical server available using the network 140.
- the transaction server 110 includes the following program modules:
- o login module This module is responsible for password checking, access control, and assignment of a particular program module to service the client.
- Each broker station 120 is serviced by a broker module
- each lender station 130 is serviced by a lender module
- each administration station 150 is serviced by an administration module.
- the login module also implements a load management policy so as to distribute computing tasks among different server devices on the network 140.
- This module handles all server-side application requirements of the broker station 120.
- This module handles all server-side application requirements of the lender station 130.
- o administration module This module handles all server-side application requirements of o the administration station 150.
- Each interface to an external loan origination package or loan documentation package coupleable to the transaction server 110 has its own corresponding external interface module, for converting incoming data to a format for communication with the respective application module or database (most interfaces require only one way communication to receive data from an external package).
- Each external service has a module for communicating with that external service and for obtaining information in a format required by the external service .
- one of the external service modules would be used to obtain credit scores and reports from credit reporting agencies (most external services require two way communication with an external agent or process).
- notification module This module handles notification and electronic mail communication with the broker stations 120 and the lender stations 130.
- This module handles all interface requirements between application modules and the databases.
- the database interface module manages (a) the number of simultaneous connections to the database such that the total number is maintained within applicable license agreements; and (b) any integrity problems in interactions between application modules and the databases.
- this module allows the Transaction Server to be connected to different types of databases such as relational databases or object-oriented databases.
- This module receives the address sent to the transaction server 110, performs a query to the geographic database for any matches, evaluates any matches and prepares a query response to the broker station 120.
- monitoring module This module manages resource usage by other modules and by the entire system.
- This module includes a collection of data objects and program elements for utility tasks such as printing, reporting, and audit trails.
- This database includes loan profile data from the broker stations 120, computed data for those loan profiles, and other relevant data needed to support real-time trading (such as user and access permission information).
- This database includes data based on that published by the U.S. Census Bureau and the U.S. Postal Service ZIP + 4 directory files.
- the transaction server 110 can configure its program modules and change operating parameters dynamically while the system 100 is operating, by editing selected files having operating parameters used during operation of the system 100.
- additional devices can be added into the network 140 to meet resource requirements of the system 100.
- Each of the broker stations 120 comprises a device or set of devices coupled to the network 140, such as a general purpose processor operating under control of operating system and application software, and disposed to enter and process loan profiles, as described herein.
- one of the broker stations 120 can comprise a PC workstation such as an Intel Pentium processor operating under control of the Microsoft Windows 95 operating system.
- the broker station 120 operates under control of broker client software, which interacts using the network 140 with the transaction server 110 as described herein.
- the broker station 120 includes information input devices, such as a keyboard and mouse or other pointing device, and information output and presentation devices, such as a monitor and printer.
- the term "broker” includes any person or entity fulfilling a role as a loan originator, not necessarily a loan broker or a mortgage broker.
- the broker stations 120 could be used directly by prospective borrowers, by cooperatives thereof, or by certain classes of loan officers at lending institutions.
- a brokerage organization can use the broker station 120 so as to coordinate with the brokerage's organizational structure.
- a loan processor or a manager can enter and view loans on behalf of one or more brokers, wither individually or simultaneoulsy in one screen display.
- a loan processor would act on behalf of a small number of selected brokers, while a manager would act on behalf of all brokers possibly including himself or herself.
- a broker uses the broker station 120 to transmit loan profiles to the transaction server 110 (thus entering those loan profiles into the system 100 for processing), to review the status of those loan profiles as they are processed by the system 100, to receive notification of bids on those loan profiles by lenders, to review bids by lenders, to accept or decline bids by lenders and to communicate with other users of the system 100.
- the broker station 120 makes connections to the transaction server 110 using the network 140 on an as-needed basis, so as to send messages to the transaction server 110 without excessive use of the network 140.
- the broker station 120 makes the connection to the transaction server 110 using the network 140 at that time, rather than maintaining a connection to the transaction server 110 while the broker is composing or editing the loan profile information.
- the broker station 120 can also receive asynchronous communications from the transaction server 110, such as in the event there are urgent communications or other information of immediate interest to the broker.
- the broker can request the transaction server 110 to transmit messages to the broker station 120 whenever any loan profile receives a bid having specified criteria (the broker can set these criteria, or can request notification of all bids or of none).
- the broker station 120 can also receive electronic mail messages from other users of the system 100, including other brokers, lenders, or other parties.
- the transaction server 110 can also broadcast events of interest to all broker stations 120, lender stations 130, other parties, or selected ones thereof.
- the broker station 120 includes a software interface to an existing loan package software element, so that brokers can use that existing loan package software element to prepare loan profiles and transmit those loan profiles to the transaction server 110.
- Each of the lender stations 130 comprises a device or set of devices coupled to the network 140, such as a general purpose processor operating under control of operating system and application software, and disposed to process loan profiles, as described herein.
- one of the lender stations 130 can comprise a PC workstation such as an Intel Pentium processor operating under control of the Microsoft Windows 95 operating system.
- the lender station 130 operates under control of lender client software, which interacts using the network 140 with the transaction server 110 as described herein.
- the lender station 130 includes information input devices, such as a keyboard and mouse or other pointing device, and information output and presentation devices, such as a monitor and printer.
- the term "lender' includes any person or entity fulfilling a role as a loan maker of loan purchaser, not necessarily an actual lending institution or officer thereof.
- a lender uses the lender station 130 to search the database for particular desired types of loans, to sort selected loans by particular desired criteria, to bid on loan applications, and to be notified when their bids are accepted.
- the lender at the lender station 130 can construct and store its own particular desired criteria, and retrieve and reuse those stored criteria.
- the lender at the lender station 130 can also direct the transaction server 1 10 to actively search for its own particular desired criteria, and to notify the lender at the lender station 130 when any loans matching those criteria appear in the trading system database 111.
- the lender station 130 makes connections to the transaction server 1 10 using the network 140 on an as-needed basis, so as to send messages to the transaction server 110 without excessive use of the network 140.
- the lender station 130 can also receive asynchronous communications from the transaction server 1 10, such as in the event there are urgent communications or other information of immediate interest to the lender. Also similar to the broker station 120, the lender station 130 can also receive electronic mail messages from the other users of the system 100, including brokers, other lenders, or other parties.
- the lender broker station 130 includes a software interface to an existing desktop underwriting software element, so that lenders can use that existing desktop underwriting software element to review loan profiles and decide whether or not to bid on those loan profiles.
- the administration client 150 comprises a device or set of devices coupled to the network 140, such as a general purpose processor operating under control of operating system and application software, and disposed to process loan profiles, as described herein.
- the administration client 150 can comprise a PC workstation such as an Intel Pentium processor operating under control of the Microsoft Windows 95 operating system, or comprise software operating on a processor used for the transaction server 110.
- the administration client 150 operates under control of administration client software, which interacts using the network 140 with the transaction server 1 10 as described herein.
- the administration client server 150 includes information input devices, such as a keyboard and mouse or other pointing device, and information output and presentation devices, such as a monitor and printer.
- the term "administrator” includes any person or entity fulfilling a role as an administrator of the system 100, not necessarily an official of any entity associated with administration or maintenance of the system 100.
- An administrator uses the administration client 150 to monitor operation of the system 100, to generate reports on operation of the system 100, and to be notified of any alterable conditions of the system 100.
- Information is collected by the administration client 150 and stored in the system 100 and used in support of trading, including the following:
- This information is transmitted to the transaction server 110 so as to ensure integrity of trading operations.
- the transaction server 110 can enable or disable passwords at appropriate times, and can track any loans affiliated with the parties after their change in organizational affiliation.
- Information is available to the administrator at the administration client 150 information regarding performance of the system 100, including the following:
- the administration client 150 makes connections to the transaction server 110 using the network 140 on an as-needed basis, so as to send messages to the transaction server 110 without excessive use of the network 140.
- the administration client 150 can also receive asynchronous communications from the transaction server 110, such as in the event there are urgent communications or other information of immediate interest to the administrator. Also similar to the broker station 120, the administration client server 150 can also receive electronic mail messages from other users of the system 100, including brokers, lenders, or other parties.
- a set of system monitor stations 160 are coupled to the network 140 for remotely monitoring and controlling the state and usage of the transaction server 110.
- An operator using one or more of the system monitor stations 160 is capable of starting or stopping one of the program modules of the transaction server 110 or other components of the system 100.
- Each system monitor stations 160 provides visual display of the state and usage of the transaction server 110, selected ones of its program modules, and the network 140. (6) Web Server
- a web server 170 is coupled to the network 140 for maintaining and serving documents and other information used by brokers at the broker stations 120, lenders at the lender stations 130, and administrators at the administrator stations 150.
- the web server 170 includes the following information:
- the network 140 provides for communication between the transaction server 110, the broker station 120, the lender station 130, and the administration station 150, using messages as described herein and message protocols appropriate to transmission and reception of those messages.
- the network 140 includes a WAN (wide area network) such as the "Advantis" network available from IBM Corporation of Armonk, New York.
- the network 140 may use internet, intranet, dial-up telephone lines or leased communication lines, or some combination thereof.
- the network 140 uses duplicate communication lines between nodes, and provides for automated failover transparent to users..
- messages transmitted using the network are encrypted or use digital signatures or other security measures to verify their source and to assure that they
- Figure 2 shows a process flow diagram of operation of an interactive mortgage and loan information and real-time trading system.
- a method 200 of operation of the system 100 includes a plurality of flow points and process steps as described herein.
- a prospective borrower desires to obtain a home mortgage loan or similar loan.
- the borrower transmits prospective loan information regarding a prospective loan application to a mortgage broker, loan broker, or similar agent.
- the prospective loan information can be transmitted using an industry standard form for prospective loan information, such as a Form 1003 or Form 1008.
- the prospective loan information can also be transmitted using a computer file prepared using an existing loan documentation or origination software package.
- the broker at the broker station 120 logs in to the transaction server 110 and verifies that the broker station 120 is authorized to access the system 100.
- the transaction server 110 transmits any access control data or other data needed to initialize the broker station 120 so as to customize it for access by that individual broker, loan processor, or broker manager.
- the broker can perform one of a set of functions using the broker station 120, including the following: managing loan profiles, including — creating a loan profile and adding it to the trading system database 111; reviewing a loan profile already in the trading system database 11 1 ; altering or otherwise updating a loan profile already in the trading system database 11 1
- managing loan portfolios including — searching pending loan profiles for those with or without bids, or for those with accepted bids
- managing bids on loans including — viewing bids on loan profiles, accepting bids, viewing accepted bids
- viewing market information including — viewing real time market data, viewing other mortgage news feeds or other news feeds
- prequalifying borrowers including — viewing interest rates available on the system 100, such as the average interest rate, high interest rate, low interest rate, or median interest rate associated with selected loan profile information; viewing aggregate interest rates for the entire system 100; viewing lender activity in terms of number of lenders who have purchased selected types of loans
- the system 100 allows hierarchical management of loans from the perspective of the loan originator.
- a loan processor is allowed to perform these functions on behalf of one or more selected brokers, but is not allowed to post a loan on the loan processor's own behalf.
- Brokers can delegate authority to loan processors to post loans, and can exclude or include authority to accept bids with that delegation of authority.
- a selected broker manager is allowed to perform these functions as well as to post loans on the manager's own behalf.
- Authorization as a broker, loan processor, or manager is performed in the step 222 during login.
- the broker at the broker station 120 interactively enters data for the loan profile, optionally periodically or intermittently save that data, optionally edits that data, optionally validates that data for reasonable values at the broker station 120, and when complete, prepares to transmit the completed loan profile to the transaction server 110.
- the broker at the broker station 120 optionally reviews financial market information and mortgage market information relevant to the loan profile. This allows the broker to set competitive asking prices for loan profiles.
- the broker at the broker station 120 sets a selected asking price for the loan profile.
- the broker station 120 transmits a loan profile to the transaction server 110.
- the loan profile includes the prospective loan information, but the transaction server 110 does not identify the borrower or the broker to prospective lenders.
- the transaction server 110 validates the information provided for each loan profile, such as determining whether there is in fact a property at the indicated property location and whether there is in fact a property of the indicated property type at the indicated property location. If the transaction server 110 determines that the information provided for the loan profile is not valid (to more than a trivial extent), the transaction server 110 responds to the broker station 120 by requesting correction.
- the transaction server 110 or the broker station 120 can transform certain data entry values so as to make it convenient for the broker to enter data.
- the transaction server 1 10 or the broker station 120 can accept the value "300K” and transform that to the value "300,000".
- the transaction server 1 10 provides for detecting substantially identical loan profiles originated by the same broker station 120, so as to prevent multiple applications for the same borrower for the same property; this practice is sometimes known as "double apping".
- the transaction server 1 10 computes any computed information for the loan profile (including determining whether the loan profile is CRA eligible) and stores the loan profile in the trading system database 111.
- the transaction server 1 10- computes aggregate tags for the loan profile so as to respond to specialized lender queries, such as whether the loan profile is for a "prime” loan or a "subprime” loan or whether the loan profile is CRA eligible, and stores that information in the loan profile in the trading system database 111.
- a prospective lender desires to bid on one or more loan applications.
- the lender at the lender station 130 logs in to the transaction server HO and verifies that the lender station 130 is authorized to access the system 100.
- selected lenders are allowed to access selected categories of loan profiles depending on the nature of their membership or privileges granted to them when signing up for using the system 100. For example, selected portions of the lender's ability to query the trading system database 111 can depend on the level of service the lender requested when signing up for the system 100. As part of the step 241, this information is transmitted by the transaction server 1 10 to the lender station 130 upon verification of the lender station 130.
- the lender can perform one of a set of functions using the lender station 130, including the following:
- o managing loan profile searches including — defining loan profile searches, storing loan profile searches for later use or reuse, directing the transaction server 110 to perform a loan profile search
- loan profile searches can specify that the loan profile can be considered for community investment purposes or is CRA qualified.
- loan profile searches can also be specified to be "active,” in which the transaction server 110 is directed to periodically perform the loan profile search on updated contents of the trading system database 111, and to notify the lender station 130 of revised results of the active loan profile search.
- o managing search results including — viewing results of a loan profile search
- o managing bids on loans including — placing bids on loan profiles, receiving notification of accepted bids
- the transaction server 110 provides limited information to this particular lender station 130 on bids placed by other lender stations 130. In the case that this particular lender station 130 had the winning bid, the next best bid is provided for display; in the case that this particular lender station 130 had its bid rejected, the winning bid is provided for display.
- o managing loan portfolios including — searching loan profiles for accepted bids; searching loan profiles for selected status of loan processing; viewing particular loan profiles for bid or processing status
- o viewing market information including — viewing real time market data, viewing other mortgage news feeds or other news feeds
- o managing broker selection including — deselecting particular brokers so that loan profiles from those brokers are not found by loan profile searches from this lender station 130; reselecting particular brokers, viewing due diligence information on particular brokers
- the lender at the lender station 130 determines a query profile for querying the database, depending on the loan programs available to the lender at that time.
- the lender station 130 optionally stores the query profiles, so that the lender optionally use or modify a query profile for reuse.
- the lender at the lender station 130 transmits a database query to the transaction server, requesting loan profiles regarding prospective loans which might be of interest to the lender. As part of the query, the lender can choose to retrieve only those loans on which the lender has not already bid, or to retrieve all such loans regardless of their bid status.
- the lender can query for searchable database elements relating to the borrower. For example, the lender can search on criteria such as the following:
- o loan category FHLMC, FNMA, Conduit, VA, FHA, Other
- loan type adjustable or fixed interest rate
- amortization time loan purpose (new purchase, improvement); occupancy status
- o calculated credit information for the loan such as a LTV (loan to value) ratio, a qualifying credit score, front and back ratios, loan lock period, a total loan amount, whether the loan is "conforming"
- the transaction server 110 transmits information regarding loan profiles matching the query to the lender station 130.
- loans already bid upon by the lender are so marked, such as by being displayed in a different color.
- the lender at the lender station 110 can view details of the loan profile interactively.
- the lender's attention is drawn by marking selected loan profiles, such as by being displayed in a different color.
- Selected loan profiles can include those having comments regarding the nature of the property or qualifying qualitative remarks.
- the lender at the lender station 130 optionally reviews the lender's portfolio of those loans with accepted or rejected bids and those loans waiting for responses from brokers at broker stations 120.
- the lender at the lender station 130 optionally reviews the lender's bids declined by brokers at broker stations 120 against winning bids, and optionally reviews the lender's winning bids against others' bids declined by brokers at broker stations 120.
- the lender at the lender station 130 optionally reviews market performance, including activity in the system 100.
- the lender at the lender station 130 selects a loan profile for bid and optionally requests details of that selected loan profile; in response, the transaction server 110 transmits details about the loan profiles to the lender station 130.
- the lender at the lender station 130 transmits a bid on one of the loan profiles.
- the transaction server 1 10 enters the bid in the loan profile, indicating that the lender has bid on the loan profile, but does not identify the lender to prospective borrowers or brokers.
- the bid can have an associated expiration time, after which the transaction server 1 10 will mark the bid withdrawn (or delete it), so that it can no longer be accepted.
- the lender at the lender station 130 can post a single common bid for multiple loan profiles.
- the transaction server 110 transmits a bid notification to each broker station 120 associated with a loan profile which has received a bid.
- the bid notification can include one or more of the following : (a) a bid alert on a display at the broker station 120, (b) a pager notification to the broker; (c) an electronic mail message to the broker station 120.
- a prospective borrower desires to accept a bid on a loan application.
- the broker at the broker station 120 logs in to the transaction server 110 and verifies that the broker 120 is authorized to access the system 100 and is authorized to accept bids for that broker.
- the broker at the broker station 120 optionally reviews the broker's portfolio of those loans with accepted bids, those loans with pending unaccepted bids, and those loans waiting for bids from lenders at lender stations 130.
- the broker at the lender station 130 optionally reviews market performance, including activity in the system 100.
- the broker at the broker station 120 selects a loan profile with pending unaccepted bids and optionally requests details of that selected loan profile; in response, the transaction server 110 transmits details about the loan profiles to the broker station 120.
- the broker at the broker station 120 selects one or more pending bids for that loan and optionally requests details about those bids; in response, the transaction server 110 transmits details about the pending bids to the broker station 120.
- the broker station 120 transmits an acceptance, for a particular bid for a particular loan profile, to the transaction server 110.
- the transaction server 110 marks that bid at the loan profile as having been accepted, and marks all other bids at the loan profiles as having been rejected.
- the transaction server 110 notifies the winning bidder lender of the bid acceptance.
- the transaction server 110 transmits complete prospective loan information to the lender at the lender station 130 and complete lender information to the broker at the broker station 120, thus informing the borrower of the identity of the lender and informing the lender of the identity of the borrower.
- the lender at the lender station 130 is not informed of the identity of the broker associated with the loan profile until the bid is accepted, the lender at the lender station 130 can select broker station 120 for identification as being undesirable, so that loan profiles from those broker stations 120 are not transmitted in the query response.
- the broker at the broker station 120 is not informed of the identity of the lender associated with the bid, the broker at the broker station 120 can select lender stations 130 for identification as being undesirable, so that bids from those lender stations 130 are not displayed in the loan profile (and the broker station 120 is not notified of receipt of bids from those lender stations 130).
- the broker transmits, either on paper or by EDI (electronic data interchange), a complete loan application package in a format acceptable to the particular lender. After verification of the prospective loan information or other formalities, the lender completes the loan.
- EDI electronic data interchange
- the broker at the broker station 120 can also prequalify prospective borrowers or a prospective loan profile so as to determine feasibility for a particular loan or a particular loan amount.
- a broker desires to prequalify a prospective borrower.
- the broker at the broker station 120 logs in to the transaction server 110 and verifies that the broker station 120 is authorized to access the system 100.
- the transaction server 110 transmits to the broker station 120, and the broker station 120 initializes, search criteria for prequalification with a set of loan products available from lenders at lender stations 130 or otherwise tradeable on the system 100.
- the broker at the broker station 120 enters preliminary information regarding the prospective borrower, such as — expected credit score, and expected front ratio, back ratio, and LTV ratio.
- the broker at the broker station 120 can enter information regarding points or rates, and obtain current and past corresponding points or rates; for example, the broker at the broker station 120 can enter a selected interest rate and obtain the average, high, and low values for points corresponding to that interest rate for completed loan transactions on the system 100.
- the broker at the broker station 120 can also determine statistics regarding how many lenders made loan of those types.
- the broker at the broker station 120 can inform the prospective borrower about whether or not it is feasible to obtain competitive rates in those contemplated ranges.
- the transaction server 110 records information regarding pending loan profiles and completed loans for later monitoring and reporting by the administrative client 150.
- this information includes at least the following:
- the borrower and the lender are each charged a fee for the service provided by the transaction server.
- the fee is paid out of escrow funds by a selected escrow company when the loan and an associated purchase of the property are completed.
- the amount of the fee can be fixed or can be varied in response to the prospective loan information, such as the amount of the loan, and in a preferred embodiment is varied in response to CRA qualification for the loan.
Abstract
Description
Claims
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP98946943A EP1012769A1 (en) | 1997-09-12 | 1998-09-11 | Interactive mortgage and loan information and real-time trading system |
CA002293462A CA2293462A1 (en) | 1997-09-12 | 1998-09-11 | Interactive mortgage and loan information and real-time trading system |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US08/928,559 US5995947A (en) | 1997-09-12 | 1997-09-12 | Interactive mortgage and loan information and real-time trading system |
US08/928,559 | 1997-09-12 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO1999013425A1 WO1999013425A1 (en) | 1999-03-18 |
WO1999013425A9 true WO1999013425A9 (en) | 1999-07-01 |
Family
ID=25456425
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US1998/018934 WO1999013425A1 (en) | 1997-09-12 | 1998-09-11 | Interactive mortgage and loan information and real-time trading system |
Country Status (4)
Country | Link |
---|---|
US (4) | US5995947A (en) |
EP (1) | EP1012769A1 (en) |
CA (1) | CA2293462A1 (en) |
WO (1) | WO1999013425A1 (en) |
Families Citing this family (447)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6876309B1 (en) | 1994-11-21 | 2005-04-05 | Espeed, Inc. | Bond trading system |
US8588729B2 (en) | 1994-11-21 | 2013-11-19 | Bgc Partners, Inc. | Method for retrieving data stored in a database |
US7085729B1 (en) | 1995-06-16 | 2006-08-01 | I2 Technologies Us, Inc. | System and method for allocating manufactured products to sellers |
US6188989B1 (en) | 1995-06-16 | 2001-02-13 | I2 Technologies, Inc. | System and method for managing available to promised product (ATP) |
WO1997014108A1 (en) * | 1995-10-11 | 1997-04-17 | Block Financial Corporation | Financial information access system |
US5706442A (en) * | 1995-12-20 | 1998-01-06 | Block Financial Corporation | System for on-line financial services using distributed objects |
US6249775B1 (en) | 1997-07-11 | 2001-06-19 | The Chase Manhattan Bank | Method for mortgage and closed end loan portfolio management |
US5995947A (en) * | 1997-09-12 | 1999-11-30 | Imx Mortgage Exchange | Interactive mortgage and loan information and real-time trading system |
US6385594B1 (en) | 1998-05-08 | 2002-05-07 | Lendingtree, Inc. | Method and computer network for co-ordinating a loan over the internet |
US20040030639A1 (en) * | 2002-02-22 | 2004-02-12 | Lendingtree, Inc. | Method and computer network for co-ordinating a loan over the internet |
US20080071675A1 (en) * | 2004-11-10 | 2008-03-20 | Lendingtree, Llc | Method and computer network for co-ordinating a loan over the Internet |
CZ148199A3 (en) * | 1998-05-08 | 1999-11-17 | International Business Machines Corporation | Use of inquiry technology in databases for log in attendance at news in systems for processing news |
US20050273406A1 (en) * | 2003-04-08 | 2005-12-08 | Lending Tree, Inc. | Method and computer network for co-ordinating a loan over the internet |
US7315841B1 (en) * | 1998-07-22 | 2008-01-01 | Sourcetec, Inc. | Mortgage loan and financial services data processing system |
US7197534B2 (en) | 1998-09-01 | 2007-03-27 | Big Fix, Inc. | Method and apparatus for inspecting the properties of a computer |
US8914507B2 (en) * | 1998-09-01 | 2014-12-16 | International Business Machines Corporation | Advice provided for offering highly targeted advice without compromising individual privacy |
US6438526B1 (en) * | 1998-09-09 | 2002-08-20 | Frederick T. Dykes | System and method for transmitting and processing loan data |
US6963847B1 (en) * | 1998-09-18 | 2005-11-08 | I2 Technologies Us, Inc. | System and method for managing ATP data in a distributed supply chain planning environment |
US7742966B2 (en) * | 1998-10-24 | 2010-06-22 | Marketcore.Com, Inc. | Efficient market for financial products |
US6594635B1 (en) | 1998-10-24 | 2003-07-15 | Marketcore.Com, Inc. | Data processing system for providing an efficient market for insurance and reinsurance |
US6405181B2 (en) * | 1998-11-03 | 2002-06-11 | Nextcard, Inc. | Method and apparatus for real time on line credit approval |
US6324524B1 (en) * | 1998-11-03 | 2001-11-27 | Nextcard, Inc. | Method and apparatus for an account level offer of credit and real time balance transfer |
US6567791B2 (en) * | 1998-11-03 | 2003-05-20 | Nextcard, Inc. | Method and apparatus for a verifiable on line rejection of an application for credit |
US8010422B1 (en) | 1998-11-03 | 2011-08-30 | Nextcard, Llc | On-line balance transfers |
US6898574B1 (en) * | 1998-11-09 | 2005-05-24 | John Francis Regan | Lender and insurer transaction processing system and method |
US7451106B1 (en) * | 1998-11-30 | 2008-11-11 | E-Lynxx Corporation | System and method for competitive pricing and procurement of customized goods and services |
US6647373B1 (en) * | 1998-12-24 | 2003-11-11 | John Carlton-Foss | Method and system for processing and transmitting electronic reverse auction information |
US6233566B1 (en) | 1998-12-31 | 2001-05-15 | Ultraprise Corporation | System, method and computer program product for online financial products trading |
GB9903766D0 (en) * | 1999-02-18 | 1999-04-14 | Wood Jocelyn T G | Data processing system for initiating & administering financial products |
US6651056B2 (en) * | 1999-03-10 | 2003-11-18 | Thomson Information Services | Readership information delivery system for electronically distributed investment research |
US7177832B1 (en) * | 1999-03-23 | 2007-02-13 | The Trustees Of Columbia University In The City Of New York | System and method for performing a progressive second price auction technique |
AUPP962599A0 (en) * | 1999-04-07 | 1999-04-29 | Liberty Financial Pty Ltd | Application apparatus and method |
US7769681B2 (en) * | 1999-05-08 | 2010-08-03 | Jack Misraje | Computer system and method for networkd interchange of data and information for members of the real estate financial and related transactional services industry |
WO2000070516A1 (en) | 1999-05-15 | 2000-11-23 | Ogilvie, John, W., L. | Automatic broker tools and techniques |
US7930241B1 (en) * | 1999-06-14 | 2011-04-19 | Sollen Technologies LLC | Mortgage information exchange platform for a broker to select a mortgage lender |
US6629082B1 (en) | 1999-06-15 | 2003-09-30 | W.R. Hambrecht & Co. | Auction system and method for pricing and allocation during capital formation |
AUPQ118299A0 (en) * | 1999-06-24 | 1999-07-22 | Bestbid.Com Pty Ltd | Method and system for providing financial services |
US7395239B1 (en) | 1999-07-19 | 2008-07-01 | American Business Financial | System and method for automatically processing loan applications |
US7062462B1 (en) * | 1999-07-26 | 2006-06-13 | The Chase Manhattan Bank | On-line higher education financing system |
WO2001009788A1 (en) * | 1999-07-29 | 2001-02-08 | Ereorg.Com Group, Inc. | Selling heavily negotiated items |
AU7572700A (en) * | 1999-08-24 | 2001-03-19 | Private Investor Reserves, Llc | Method and apparatus to allow customized investor borrowing on securities |
US7290009B1 (en) * | 1999-08-25 | 2007-10-30 | The Trustees Of Columbia University In The City Of New York | System and method for allocating resources using spot market and derivative market techniques |
US7792742B1 (en) * | 1999-08-27 | 2010-09-07 | Federal Home Loan Mortgage Corporation | Risk-based reference pool capital reducing systems and methods |
US8355968B2 (en) * | 1999-09-01 | 2013-01-15 | Capital Iq, Inc. | Method of identifying potential targets for a capital transaction |
US7685048B1 (en) * | 1999-09-01 | 2010-03-23 | Bloomberg L.P. | Electronic trading system for forwards spread trades |
US20020138297A1 (en) * | 2001-03-21 | 2002-09-26 | Lee Eugene M. | Apparatus for and method of analyzing intellectual property information |
US7016852B1 (en) | 1999-09-30 | 2006-03-21 | Eugene M. Lee | Fee transaction system and method for intellectual property acquisition and/or maintenance |
US20090307577A1 (en) * | 2001-08-28 | 2009-12-10 | Lee Eugene M | System for providing a binding cost for foreign filing a patent application |
US7359863B1 (en) | 1999-09-30 | 2008-04-15 | Computer Sciences Corporation | Condition component framework for reinsurance |
US7016851B1 (en) * | 1999-09-30 | 2006-03-21 | Eugene M. Lee | Systems and methods for preparation of an intellectual property filing in accordance with jurisdiction- and/or agent specific requirements |
US7693731B1 (en) | 1999-09-30 | 2010-04-06 | Computer Sciences Corporation | Business process framework for reinsurance |
US20010049646A1 (en) * | 1999-10-04 | 2001-12-06 | Wilkinson William T. | Method for matching financial supply to demand |
AU7865600A (en) * | 1999-10-08 | 2001-04-23 | Mohammed Karkukly | A system and method facilitating mortgage banking and related real estate services |
US6876991B1 (en) | 1999-11-08 | 2005-04-05 | Collaborative Decision Platforms, Llc. | System, method and computer program product for a collaborative decision platform |
US6952680B1 (en) | 1999-11-16 | 2005-10-04 | Dana Corporation | Apparatus and method for tracking and managing physical assets |
US20050086239A1 (en) * | 1999-11-16 | 2005-04-21 | Eric Swann | System or method for analyzing information organized in a configurable manner |
US20020077944A1 (en) * | 1999-11-16 | 2002-06-20 | Bly J. Aaron | System and method for disposing of assets |
US7395275B1 (en) * | 1999-11-16 | 2008-07-01 | Dana Automotive Systems Group, Llc | System and method for disposing of assets |
US20020082966A1 (en) * | 1999-11-16 | 2002-06-27 | Dana Commercial Credit Corporation | System and method for benchmarking asset characteristics |
US20050131729A1 (en) * | 1999-11-16 | 2005-06-16 | Melby John M. | Apparatus and method for tracking and managing physical assets |
US20030065563A1 (en) | 1999-12-01 | 2003-04-03 | Efunds Corporation | Method and apparatus for atm-based cross-selling of products and services |
MXPA02006425A (en) * | 1999-12-29 | 2003-09-22 | Electronic Data Syst Corp | Sourcing system and method. |
US7356498B2 (en) | 1999-12-30 | 2008-04-08 | Chicago Board Options Exchange, Incorporated | Automated trading exchange system having integrated quote risk monitoring and integrated quote modification services |
US6985881B2 (en) * | 1999-12-30 | 2006-01-10 | Ge Capital Commercial Finance, Inc. | Methods and apparatus for automated underwriting of segmentable portfolio assets |
US9727916B1 (en) | 1999-12-30 | 2017-08-08 | Chicago Board Options Exchange, Incorporated | Automated trading exchange system having integrated quote risk monitoring and integrated quote modification services |
US7287008B1 (en) * | 1999-12-30 | 2007-10-23 | General Electric Capital Corporation | Method and system for loan origination and underwriting |
US7139728B2 (en) | 1999-12-30 | 2006-11-21 | Rod Rigole | Systems and methods for online selection of service providers and management of service accounts |
WO2001052147A1 (en) * | 2000-01-12 | 2001-07-19 | Wilkinson William T | Method for matching financial supply to demand |
US6867789B1 (en) | 2000-02-15 | 2005-03-15 | Bank One, Delaware, National Association | System and method for generating graphical user interfaces |
WO2001061606A1 (en) * | 2000-02-16 | 2001-08-23 | Morris Robert A | Method and system for facilitating a sale |
US7412417B1 (en) | 2000-03-03 | 2008-08-12 | Infoglide Software Corporation | Loan compliance auditing system and method |
US7415436B1 (en) | 2000-03-08 | 2008-08-19 | W. R. Hambrecht + Co., Llc | System and method for pricing and allocation of commodities or securities |
US7647270B2 (en) * | 2000-03-08 | 2010-01-12 | W.R. Hambrecht + Co., Llc | System and methods for pricing and allocation of commodities or securities |
US6775641B2 (en) | 2000-03-09 | 2004-08-10 | Smartsignal Corporation | Generalized lensing angular similarity operator |
US6957172B2 (en) | 2000-03-09 | 2005-10-18 | Smartsignal Corporation | Complex signal decomposition and modeling |
US20010047326A1 (en) * | 2000-03-14 | 2001-11-29 | Broadbent David F. | Interface system for a mortgage loan originator compliance engine |
US20010037287A1 (en) * | 2000-03-14 | 2001-11-01 | Broadbent David F. | Method and apparatus for an advanced speech recognition portal for a mortgage loan management system |
US6904412B1 (en) | 2000-03-14 | 2005-06-07 | Everbank | Method and apparatus for a mortgage loan originator compliance engine |
US6985886B1 (en) | 2000-03-14 | 2006-01-10 | Everbank | Method and apparatus for a mortgage loan management system |
US20040230521A1 (en) * | 2000-03-14 | 2004-11-18 | Broadbent David F. | Method and apparatus for worker compensation and task performance reporting in a mortgage loan transaction system |
US7599879B2 (en) | 2000-03-24 | 2009-10-06 | Jpmorgan Chase Bank, National Association | Syndication loan administration and processing system |
US6366892B1 (en) | 2000-04-05 | 2002-04-02 | Titan Film Capitol Llc. | Method and system for automatically producing loan documents |
US20020002494A1 (en) * | 2000-04-05 | 2002-01-03 | Bruce Beam | System and method for facilitating appraisals |
US8145556B2 (en) | 2000-04-10 | 2012-03-27 | Tealdi Daniel A | Online mortgage approval and settlement system and method therefor |
US7127406B2 (en) | 2000-04-20 | 2006-10-24 | Triola C Richard | Method and apparatus for processing escrow transactions |
US7835985B2 (en) * | 2000-05-02 | 2010-11-16 | Jpmorgan Chase Bank, N.A. | On-line higher education financing system |
US7299204B2 (en) * | 2000-05-08 | 2007-11-20 | Karl Peng | System for winning investment selection using collective input and weighted trading and investing |
US6772146B2 (en) | 2000-05-10 | 2004-08-03 | Jpmorgan Chase Bank | Website for financial information |
US6988082B1 (en) | 2000-06-13 | 2006-01-17 | Fannie Mae | Computerized systems and methods for facilitating the flow of capital through the housing finance industry |
US7593893B1 (en) | 2000-06-13 | 2009-09-22 | Fannie Mae | Computerized systems and methods for facilitating the flow of capital through the housing finance industry |
US7702580B1 (en) | 2000-06-13 | 2010-04-20 | Fannie Mae | System and method for mortgage loan pricing, sale and funding |
US20030041003A1 (en) * | 2000-06-20 | 2003-02-27 | Leo Kayser | Automated matching system for borrowers and savers |
US7831508B1 (en) | 2000-06-23 | 2010-11-09 | Jpmorgan Chase Bank, N.A. | System and method for implementing a consolidated application process |
US7366690B1 (en) * | 2000-06-23 | 2008-04-29 | Ebs Group Limited | Architecture for anonymous trading system |
US7418400B1 (en) | 2000-06-23 | 2008-08-26 | Computer Sciences Corporation | Internet-enabled system and method for assessing damages |
US7430515B1 (en) | 2000-06-23 | 2008-09-30 | Computer Sciences Corporation | System and method for externalization of formulas for assessing damages |
US7571107B1 (en) | 2000-06-23 | 2009-08-04 | Computer Sciences Corporation | System and method for externalization of rules for assessing damages |
US7430514B1 (en) | 2000-06-23 | 2008-09-30 | Computer Sciences Corporation | System and method for processing insurance claims using a table of contents |
US7343307B1 (en) | 2000-06-23 | 2008-03-11 | Computer Sciences Corporation | Dynamic help method and system for an insurance claims processing system |
US7095426B1 (en) | 2000-06-23 | 2006-08-22 | Computer Sciences Corporation | Graphical user interface with a hide/show feature for a reference system in an insurance claims processing system |
US7398219B1 (en) | 2000-06-23 | 2008-07-08 | Computer Sciences Corporation | System and method for displaying messages using a messages table |
EP1309923A1 (en) * | 2000-07-14 | 2003-05-14 | American Management Systems, Incorporated | Digital loan application |
WO2002008855A2 (en) * | 2000-07-21 | 2002-01-31 | Precept Corporation | System and method for originating loans |
US7146337B1 (en) | 2000-09-13 | 2006-12-05 | Precept Corporation | System and method for originating loans |
US20040199456A1 (en) * | 2000-08-01 | 2004-10-07 | Andrew Flint | Method and apparatus for explaining credit scores |
US7280980B1 (en) * | 2000-08-01 | 2007-10-09 | Fair Isaac Corporation | Algorithm for explaining credit scores |
AU2001284842A1 (en) | 2000-08-10 | 2002-02-18 | The Debt Exchange, Inc. | Systems and methods for trading and originating financial products using a computer network |
US20030220867A1 (en) * | 2000-08-10 | 2003-11-27 | Goodwin Thomas R. | Systems and methods for trading and originating financial products using a computer network |
US20020026408A1 (en) * | 2000-08-24 | 2002-02-28 | O'malley Anne | Method and apparatus for enrolling with multiple request for quote providers |
US20040133503A1 (en) * | 2000-09-25 | 2004-07-08 | Podsiadlo Eugene L. | Method and system for auctioning shares of an investment product |
US7136833B1 (en) | 2000-09-25 | 2006-11-14 | Eugene Lawrence Podsiadlo | Communication network based system and method for auctioning shares on an investment product |
WO2002029517A2 (en) | 2000-10-02 | 2002-04-11 | International Projects Consultancy Services, Inc. | Automated loan processing system and method |
US7249044B2 (en) * | 2000-10-05 | 2007-07-24 | I2 Technologies Us, Inc. | Fulfillment management system for managing ATP data in a distributed supply chain environment |
US6847929B2 (en) * | 2000-10-12 | 2005-01-25 | Texas Instruments Incorporated | Algebraic codebook system and method |
US9819561B2 (en) | 2000-10-26 | 2017-11-14 | Liveperson, Inc. | System and methods for facilitating object assignments |
US8868448B2 (en) | 2000-10-26 | 2014-10-21 | Liveperson, Inc. | Systems and methods to facilitate selling of products and services |
US20090043687A1 (en) * | 2000-11-01 | 2009-02-12 | Van Soestbergen Mark | Method and System for Banking and Exchanging Emission Reduction Credits |
WO2002037433A2 (en) * | 2000-11-01 | 2002-05-10 | International Carbon Bank And Exchange | Method and system for banking and exchanging emission reduction credits |
WO2002037386A1 (en) * | 2000-11-06 | 2002-05-10 | First Usa Bank, N.A. | System and method for selectable funding of electronic transactions |
CA2326055A1 (en) * | 2000-11-15 | 2002-05-15 | Reavs Information Technologies Limited | Method and system for automated decisioning in financial lending processes |
AU2001263302A1 (en) | 2000-11-16 | 2002-05-27 | American International Group, Inc. | System and method for reducing mortgage interest rate and mortgage guaranty insurance premiums associated with mortgage loan |
NO20005848D0 (en) * | 2000-11-17 | 2000-11-17 | Gunnar Bretvin | Procedure and system for issuing and managing a credit insurance portfolio |
US7379913B2 (en) * | 2000-11-27 | 2008-05-27 | Nextworth, Inc. | Anonymous transaction system |
US7340428B1 (en) * | 2000-11-28 | 2008-03-04 | Gxs, Inc. | System and method for using composite scoring in an auction process |
US20020065761A1 (en) * | 2000-11-29 | 2002-05-30 | Fischer David Howard | Subscriber notification criteria for electronic auctions |
US7499885B2 (en) * | 2000-12-01 | 2009-03-03 | John Danpour | Direct online mortgage auction network |
NZ508696A (en) * | 2000-12-07 | 2003-08-29 | Loansurf New Zealand Ltd | Computerised tendering system for loan application |
US20030009418A1 (en) * | 2000-12-08 | 2003-01-09 | Green Gerald M. | Systems and methods for electronically verifying and processing information |
US20020120557A1 (en) * | 2000-12-27 | 2002-08-29 | Yung-Sung Chien | Automatic loan administration system |
US20020087452A1 (en) * | 2001-01-04 | 2002-07-04 | International Business Machines Corporation | System, method and program product for improving broker's profits in electronic commerce |
JP2002207876A (en) * | 2001-01-10 | 2002-07-26 | Akiyoshi Inoue | Loan mediation processing system and method |
US7882009B2 (en) * | 2001-01-16 | 2011-02-01 | Fralic Donald R | Method of on-line auctioning for leases |
US7472088B2 (en) | 2001-01-19 | 2008-12-30 | Jpmorgan Chase Bank N.A. | System and method for offering a financial product |
US20020152157A1 (en) * | 2001-01-25 | 2002-10-17 | Atanas Stoyanov | Computerized retail finance program selection systems and methods |
US20020123961A1 (en) * | 2001-01-25 | 2002-09-05 | Atanas Stoyanov | Computerized retail lease program selection systems and methods |
US20020103669A1 (en) * | 2001-01-29 | 2002-08-01 | Sullivan Thomas W. | Methods and systems for coordinating the flow of data |
US7711635B2 (en) * | 2001-02-22 | 2010-05-04 | Fair Isaac Corporation | System and method for helping consumers understand and interpret credit scores |
US8078524B2 (en) * | 2001-02-22 | 2011-12-13 | Fair Isaac Corporation | Method and apparatus for explaining credit scores |
US7065499B1 (en) | 2001-03-19 | 2006-06-20 | I2 Technologies Us, Inc. | Intelligent order promising |
US8484177B2 (en) | 2001-03-21 | 2013-07-09 | Eugene M. Lee | Apparatus for and method of searching and organizing intellectual property information utilizing a field-of-search |
US6694331B2 (en) * | 2001-03-21 | 2004-02-17 | Knowledge Management Objects, Llc | Apparatus for and method of searching and organizing intellectual property information utilizing a classification system |
US20020143687A1 (en) * | 2001-03-30 | 2002-10-03 | Reuben Bahar | Method and system for auctioning bad debts utilizing an assorting arangement based on the geographic locaiton where jurisdiction is present over the debtor |
US20020169708A1 (en) * | 2001-04-04 | 2002-11-14 | Chittenden Errol D. | Competitive sealed bidding system and method |
US20020152155A1 (en) * | 2001-04-13 | 2002-10-17 | Greenwood James E. | Method for automated and integrated lending process |
US7024371B2 (en) * | 2001-04-13 | 2006-04-04 | I2 Technologies Us, Inc. | High availability planning and scheduling architecture |
US7043444B2 (en) * | 2001-04-13 | 2006-05-09 | I2 Technologies Us, Inc. | Synchronization of planning information in a high availability planning and scheduling architecture |
US20060282367A1 (en) * | 2001-04-30 | 2006-12-14 | Alan Katz | Internet-based system for auctioning securities |
CN1390005A (en) * | 2001-06-06 | 2003-01-08 | 陈杰 | Safety marking network system and its data processing method |
US8024248B2 (en) | 2001-06-08 | 2011-09-20 | Genworth Financial, Inc. | System and method for imbedding a defined benefit in a defined contribution plan |
US8370242B2 (en) | 2001-06-08 | 2013-02-05 | Genworth Financial, Inc. | Systems and methods for providing a benefit product with periodic guaranteed minimum income |
US8781929B2 (en) | 2001-06-08 | 2014-07-15 | Genworth Holdings, Inc. | System and method for guaranteeing minimum periodic retirement income payments using an adjustment account |
US8433634B1 (en) | 2001-06-08 | 2013-04-30 | Genworth Financial, Inc. | Systems and methods for providing a benefit product with periodic guaranteed income |
US20020198725A1 (en) * | 2001-06-21 | 2002-12-26 | International Business Machines Corporation | Method and system for managing a relationship with a venture company |
US8370253B1 (en) | 2001-07-12 | 2013-02-05 | David Daniel Grossman | Method and apparatus for credit brokering for point-of-sale leasing |
US20030093289A1 (en) * | 2001-07-31 | 2003-05-15 | Thornley Robert D. | Reporting and collecting rent payment history |
US7680728B2 (en) * | 2001-08-16 | 2010-03-16 | Mortgage Grader, Inc. | Credit/financing process |
US7366694B2 (en) * | 2001-08-16 | 2008-04-29 | Mortgage Grader, Inc. | Credit/financing process |
US9460414B2 (en) * | 2001-08-28 | 2016-10-04 | Eugene M. Lee | Computer assisted and/or implemented process and system for annotating and/or linking documents and data, optionally in an intellectual property management system |
US9541977B1 (en) | 2001-08-28 | 2017-01-10 | Eugene M. Lee | Computer-implemented method and system for automated claim charts with context associations |
US7885987B1 (en) | 2001-08-28 | 2011-02-08 | Lee Eugene M | Computer-implemented method and system for managing attributes of intellectual property documents, optionally including organization thereof |
US20030061161A1 (en) * | 2001-09-21 | 2003-03-27 | Black Daniel A. | Business method for facilitating offsetting payables against receivables |
US20030065614A1 (en) * | 2001-10-01 | 2003-04-03 | Sweeney Joan M. | Method and system for rules based underwriting |
US20030069837A1 (en) * | 2001-10-04 | 2003-04-10 | Mills Timothy J. | Method and apparatus for clearing automobile contracts |
US20030069789A1 (en) * | 2001-10-04 | 2003-04-10 | Koninklijke Philips Electronics N.V. | System and business method for offering seat upgrades to patrons at a public facility |
US8660918B2 (en) * | 2001-11-13 | 2014-02-25 | Weber & Associates, Inc. | Virtual financial aid office |
US20060053075A1 (en) * | 2001-11-26 | 2006-03-09 | Aaron Roth | System and method for tracking asset usage and performance |
US20030101072A1 (en) * | 2001-11-28 | 2003-05-29 | Dick John D. | Document protection system |
US7415471B1 (en) * | 2001-11-30 | 2008-08-19 | Midland Loan Services, Inc. | Methods and systems for automated data collection and analysis for use in association with asset securitization |
US7860781B1 (en) | 2002-01-04 | 2010-12-28 | Midland Loan Services, Inc. | Methods and systems for asset/loan management and processing |
US20030149654A1 (en) * | 2002-01-16 | 2003-08-07 | Harrington Kevin F. | Interactive security brokerage system |
US20030172025A1 (en) * | 2002-02-08 | 2003-09-11 | Gallina Mike A. | Computerized system and method for qualifying mortgage loan clients |
US7440921B1 (en) * | 2002-02-12 | 2008-10-21 | General Electric Capital Corporation | System and method for evaluating real estate transactions |
US8560411B2 (en) * | 2002-02-26 | 2013-10-15 | Preferred Home Buyers Network, Inc. | Computerized system for managing communications between a buyer, seller, and lender |
US8095457B2 (en) * | 2007-12-04 | 2012-01-10 | Preferred Home Buyers Network, Inc. | Communication system and method between a home buyer, seller, strategic business source, and lender |
US20030163408A1 (en) * | 2002-02-26 | 2003-08-28 | Stephen Polston | Computerized system and method for exchanging information between a buyer, seller, and lender |
SG115453A1 (en) * | 2002-02-27 | 2005-10-28 | Oneempower Pte Ltd | Activity management method |
AU2003216478A1 (en) * | 2002-03-05 | 2003-09-22 | Fireventures Llc | Sytem and method for information exchange |
US20030187849A1 (en) * | 2002-03-19 | 2003-10-02 | Ocwen Technology Xchange, Inc. | Management and reporting system and process for use with multiple disparate data bases |
US20040122764A1 (en) * | 2002-03-27 | 2004-06-24 | Bernie Bilski | Capped bill systems, methods and products |
US8571971B1 (en) * | 2002-04-19 | 2013-10-29 | Wells Fargo Bank, N.A. | Credit application status monitor |
US7593891B2 (en) | 2003-05-30 | 2009-09-22 | Experian Scorex Llc | Credit score simulation |
US9400589B1 (en) | 2002-05-30 | 2016-07-26 | Consumerinfo.Com, Inc. | Circular rotational interface for display of consumer credit information |
US7610229B1 (en) | 2002-05-30 | 2009-10-27 | Experian Information Solutions, Inc. | System and method for interactively simulating a credit-worthiness score |
US9569797B1 (en) | 2002-05-30 | 2017-02-14 | Consumerinfo.Com, Inc. | Systems and methods of presenting simulated credit score information |
US9710852B1 (en) | 2002-05-30 | 2017-07-18 | Consumerinfo.Com, Inc. | Credit report timeline user interface |
US7444302B2 (en) * | 2002-06-14 | 2008-10-28 | Ellie Mae, Inc. | Online system for fulfilling loan applications from loan originators |
US20030014353A1 (en) * | 2002-07-31 | 2003-01-16 | Fitzherbert Thomas E | System for letter of credit selector on internet exchange |
US7472089B2 (en) * | 2002-08-15 | 2008-12-30 | Ellie Mae, Inc. | Loan origination system interface for online loan application processing |
US7680673B2 (en) * | 2002-08-23 | 2010-03-16 | Wheeler Cynthia R | System for real estate sale management |
US20040049440A1 (en) * | 2002-09-11 | 2004-03-11 | Masahiro Shinoda | Real estate appraisal auxiliary system, a storage medium with a computer software program stored therein for use by a computer system to assist in appraising real estate, and a real estate appraisal auxiliary method |
US20040059653A1 (en) * | 2002-09-24 | 2004-03-25 | Fidelity National Financial, Inc. | System and method for rendering automated real property title decisions |
US20040083157A1 (en) * | 2002-10-25 | 2004-04-29 | Sasser James E. | User interface, system, and method for providing indirect access to construction services |
US20040083136A1 (en) * | 2002-10-25 | 2004-04-29 | Sasser James E. | User interface, system, and method for providing access to construction services |
US7676387B2 (en) | 2002-10-31 | 2010-03-09 | Computer Sciences Corporation | Graphical display of business rules |
US7451148B2 (en) | 2002-10-31 | 2008-11-11 | Computer Sciences Corporation | Method of modifying a business rule while tracking the modifications |
US7689442B2 (en) | 2002-10-31 | 2010-03-30 | Computer Science Corporation | Method of generating a graphical display of a business rule with a translation |
US7742980B1 (en) | 2002-11-15 | 2010-06-22 | Imx, Inc. | Automated loan approval system |
WO2004048911A2 (en) * | 2002-11-26 | 2004-06-10 | Agcert International, Llc | System and method for tracking environmental emission reductions |
US20080040163A1 (en) * | 2002-12-13 | 2008-02-14 | James Lacy Harlin | System and method for paying and receiving agency commissions |
WO2004061565A2 (en) * | 2002-12-30 | 2004-07-22 | Fannie Mae | System and method for facilitating sale of a loan to a secondary market purchaser |
WO2004061557A2 (en) | 2002-12-30 | 2004-07-22 | Fannie Mae | System and method for creating and tracking agreements for selling loans to a secondary market purchaser |
WO2004061564A2 (en) * | 2002-12-30 | 2004-07-22 | Fannie Mae | System and method for pricing loans in the secondary mortgage market |
AU2003295787A1 (en) | 2002-12-30 | 2004-07-29 | Fannie Mae | System and method for facilitating delivery of a loan to a secondary mortgage market purchaser |
WO2004061556A2 (en) | 2002-12-30 | 2004-07-22 | Fannie Mae | System and method of processing data pertaining to financial assets |
US7742981B2 (en) | 2002-12-30 | 2010-06-22 | Fannie Mae | Mortgage loan commitment system and method |
US7885889B2 (en) * | 2002-12-30 | 2011-02-08 | Fannie Mae | System and method for processing data pertaining to financial assets |
US20040128230A1 (en) | 2002-12-30 | 2004-07-01 | Fannie Mae | System and method for modifying attribute data pertaining to financial assets in a data processing system |
US7593889B2 (en) | 2002-12-30 | 2009-09-22 | Fannie Mae | System and method for processing data pertaining to financial assets |
US8666879B1 (en) | 2002-12-30 | 2014-03-04 | Fannie Mae | Method and system for pricing forward commitments for mortgage loans and for buying committed loans |
US9307884B1 (en) | 2003-01-27 | 2016-04-12 | The Pnc Financial Services Group, Inc. | Visual asset structuring tool |
US20040153330A1 (en) * | 2003-02-05 | 2004-08-05 | Fidelity National Financial, Inc. | System and method for evaluating future collateral risk quality of real estate |
US20040193534A1 (en) * | 2003-03-27 | 2004-09-30 | Reis Cathy Carswell | Paperless mortgage plus HUB concept and clearinghouse processing solutions |
US20040205019A1 (en) * | 2003-04-08 | 2004-10-14 | Lendingtree, Inc. | Method and system for selecting qualification forms for financial services and financial products |
US20040215548A1 (en) * | 2003-04-22 | 2004-10-28 | International Business Machines Corporation | Method, system and program product for receiving bids for multiple auctions and presenting real-time auction results |
US8930263B1 (en) | 2003-05-30 | 2015-01-06 | Consumerinfo.Com, Inc. | Credit data analysis |
US20040254878A1 (en) * | 2003-06-13 | 2004-12-16 | Community Reinvestment Acceptance Group, Llc | System and method for providing critical period protection to eligible borrowers |
US8676679B2 (en) | 2003-06-30 | 2014-03-18 | Bloomberg L.P. | Counterparty credit limits in computerized trading |
US20050010509A1 (en) * | 2003-07-11 | 2005-01-13 | Straub Russell Andrew | Response management device providing statistical tracking of contacts |
US20050010507A1 (en) * | 2003-07-11 | 2005-01-13 | Russell Straub | Device and method for financial services contact management |
US8046298B1 (en) | 2003-07-21 | 2011-10-25 | Fannie Mae | Systems and methods for facilitating the flow of capital through the housing finance industry |
WO2005013057A2 (en) | 2003-07-25 | 2005-02-10 | Jp Morgan Chase Bank | Financial network-based payment card |
US7895064B2 (en) | 2003-09-02 | 2011-02-22 | Computer Sciences Corporation | Graphical input display in an insurance processing system |
US7953663B1 (en) | 2003-09-04 | 2011-05-31 | Jpmorgan Chase Bank, N.A. | System and method for financial instrument pre-qualification and offering |
US7881994B1 (en) | 2003-09-11 | 2011-02-01 | Fannie Mae | Method and system for assessing loan credit risk and performance |
US20080120227A1 (en) * | 2003-09-12 | 2008-05-22 | Ocwen Financial Corp | Method and system for mortgage exchange |
US8266013B2 (en) * | 2003-09-12 | 2012-09-11 | Altisource Solutions S.à r.l. | Methods and systems for vendor assurance |
US20060155640A1 (en) * | 2003-09-12 | 2006-07-13 | Christopher Kennedy | Product optimizer |
US7707055B2 (en) * | 2003-09-12 | 2010-04-27 | Altisource Solutions S.A.R.L. | Method and system for vendor management |
US8024261B2 (en) | 2003-09-12 | 2011-09-20 | Altisource Solutions S.A.R.L. | Method and system for loan closing |
US8412545B2 (en) | 2003-09-15 | 2013-04-02 | Genworth Financial, Inc. | System and process for providing multiple income start dates for annuities |
US20050071203A1 (en) * | 2003-09-30 | 2005-03-31 | Kevin Maus | Insurance marketplace |
EP1673686A4 (en) * | 2003-10-09 | 2008-10-01 | First American Corelogic Inc | Automated financial transaction due diligence systems and methods |
US7548884B1 (en) * | 2003-10-21 | 2009-06-16 | Neil Thomas | Computerized process to, for example, automate the home sale, mortgage loan financing and settlement process, and the home mortgage loan refinancing and settlement processes |
US8655755B2 (en) * | 2003-10-22 | 2014-02-18 | Scottrade, Inc. | System and method for the automated brokerage of financial instruments |
US7593890B1 (en) | 2003-11-04 | 2009-09-22 | Freddie Mac | Systems and methods for determining the likelihood that a loan closes |
US8489498B1 (en) | 2003-12-01 | 2013-07-16 | Fannie Mae | System and method for processing a loan |
US20050125346A1 (en) * | 2003-12-04 | 2005-06-09 | Winiecki Kurt A. | Method and system for calculating and presenting bankruptcy preference payment defenses |
US7756778B1 (en) | 2003-12-18 | 2010-07-13 | Fannie Mae | System and method for tracking and facilitating analysis of variance and recourse transactions |
WO2005065353A2 (en) * | 2003-12-31 | 2005-07-21 | Jacobs Leslie L Jr | Computer readable medium for providing a stream of payments |
US7657475B1 (en) | 2003-12-31 | 2010-02-02 | Fannie Mae | Property investment rating system and method |
US7822680B1 (en) | 2003-12-31 | 2010-10-26 | Fannie Mae | System and method for managing data pertaining to a plurality of financial assets for multifamily and housing developments |
US10332190B1 (en) | 2004-01-30 | 2019-06-25 | Jpmorgan Chase Bank, N.A. | System and method for trade payment exchange |
US7827603B1 (en) * | 2004-02-13 | 2010-11-02 | Citicorp Development Center, Inc. | System and method for secure message reply |
US20050187863A1 (en) * | 2004-02-20 | 2005-08-25 | Whinery Christopher S. | Method and system for protecting real estate from fraudulent transactions |
US7702767B2 (en) * | 2004-03-09 | 2010-04-20 | Jp Morgan Chase Bank | User connectivity process management system |
US7805344B2 (en) * | 2004-03-12 | 2010-09-28 | Sybase, Inc. | System providing methodology for consolidation of financial information |
US20050273423A1 (en) * | 2004-05-28 | 2005-12-08 | Amir Kiai | System, method, and apparatus for a complete mortgage solution for borrowers, mortgage brokers, mortgage bankers, and investors |
US20050278249A1 (en) * | 2004-06-15 | 2005-12-15 | Northwest Auto Finance Corp. | Business management system, method and tool |
US7877321B2 (en) * | 2004-06-29 | 2011-01-25 | Textura Corporation | Method of and system for evaluating financial risk associated with a construction project |
US7925584B2 (en) * | 2004-06-29 | 2011-04-12 | Textura Corporation | Construction payment management system and method with document tracking features |
US20080288379A1 (en) * | 2004-06-29 | 2008-11-20 | Allin Patrick J | Construction payment management system and method with automated electronic document generation features |
AU2005267592B2 (en) * | 2004-06-29 | 2009-10-01 | Textura Corporation | Construction payment management system and method |
US9460441B2 (en) | 2004-06-29 | 2016-10-04 | Textura Corporation | Construction payment management system and method with document exchange features |
US8990254B2 (en) | 2004-07-02 | 2015-03-24 | Ellie Mae, Inc. | Loan origination software system for processing mortgage loans over a distributed network |
US7693764B1 (en) * | 2004-07-16 | 2010-04-06 | Federal Home Loan Mortgage Corporation | Systems and methods for assessing property value fraud |
US20080281640A1 (en) * | 2004-08-12 | 2008-11-13 | Glen Spratt | Method For Linking Borrowers And Investors |
US7970690B2 (en) * | 2004-08-19 | 2011-06-28 | Leadpoint, Inc. | System for implementing automated open market auctioning of leads |
US8571951B2 (en) | 2004-08-19 | 2013-10-29 | Leadpoint, Inc. | Automated attachment of segmentation data to hot contact leads for facilitating matching of leads to interested lead buyers |
US8924247B2 (en) * | 2004-08-19 | 2014-12-30 | LoadPoint, Inc | Ranking system using instant post-transaction surveying of transaction judges |
US7987124B1 (en) | 2004-08-20 | 2011-07-26 | Fannie Mae | Method of and system for evaluating an appraisal value associated with a loan |
US20060041499A1 (en) * | 2004-08-23 | 2006-02-23 | Transaxtions Llc | Obtaining A Need With Guiding Information And Credit Worthiness Using A Competitive Process |
US8533030B1 (en) | 2004-08-30 | 2013-09-10 | Jpmorgan Chase Bank, N.A. | In-bound telemarketing system for processing customer offers |
US7904306B2 (en) | 2004-09-01 | 2011-03-08 | Search America, Inc. | Method and apparatus for assessing credit for healthcare patients |
US7970672B2 (en) * | 2004-09-01 | 2011-06-28 | Metareward, Inc. | Real-time marketing of credit-based goods or services |
US20060059422A1 (en) * | 2004-09-16 | 2006-03-16 | Ting-Hu Wu | Desktop application implemented with web paradigm |
US8732004B1 (en) | 2004-09-22 | 2014-05-20 | Experian Information Solutions, Inc. | Automated analysis of data to generate prospect notifications based on trigger events |
US7593892B2 (en) * | 2004-10-04 | 2009-09-22 | Standard Chartered (Ct) Plc | Financial institution portal system and method |
US20060100944A1 (en) * | 2004-11-10 | 2006-05-11 | Lendingtree, Llc | Method and computer network for co-ordinating financial services/products |
US20060195334A1 (en) * | 2004-11-17 | 2006-08-31 | Reeb Shayne A | Integrated environmental emission reduction data management system and method |
US20060108880A1 (en) * | 2004-11-24 | 2006-05-25 | Lg Electronics Inc. | Linear compressor |
US9076185B2 (en) | 2004-11-30 | 2015-07-07 | Michael Dell Orfano | System and method for managing electronic real estate registry information |
US7844518B1 (en) | 2004-11-30 | 2010-11-30 | Jp Morgan Chase Bank | Method and apparatus for managing credit limits |
CA2588542A1 (en) * | 2004-11-30 | 2006-06-08 | Michael Dell Orfano | System and method for creating electronic real estate registration |
US7877304B1 (en) | 2004-12-16 | 2011-01-25 | Coulter David B | System and method for managing consumer information |
US20060178983A1 (en) * | 2005-02-07 | 2006-08-10 | Robert Nice | Mortgage broker system allowing broker to match mortgagor with multiple lenders and method therefor |
US20060248003A1 (en) * | 2005-04-29 | 2006-11-02 | Ilya Basin | Method of online pricing for mortgage loans from multiple lenders |
US20060282376A1 (en) * | 2005-06-14 | 2006-12-14 | Goldberg Peter L | System and method for automated processing of real estate title commitments |
US7801809B1 (en) * | 2005-06-24 | 2010-09-21 | Fannie Mae | System and method for management of delegated real estate project reviews |
US20070022040A1 (en) * | 2005-07-19 | 2007-01-25 | Raz Gordon | System and Method for Facilitating Network Based Commerce |
US8234498B2 (en) | 2005-07-25 | 2012-07-31 | Britti Michael A | Screening using a personal identification code |
US8418254B2 (en) | 2005-07-25 | 2013-04-09 | Transunion Rental Screening Solutions, Inc. | Applicant screening |
US20070027791A1 (en) * | 2005-07-28 | 2007-02-01 | Zopa Limited | Method of and apparatus for matching lenders of money with borrowers of money |
CA2618577A1 (en) * | 2005-08-10 | 2007-02-15 | Axcessnet Innovations Llc | Networked loan market and lending management system |
WO2007022381A2 (en) * | 2005-08-18 | 2007-02-22 | Creditmax Llc | Systems and methods for acquiring, managing, placing, collecting and reselling debt |
WO2007022222A2 (en) * | 2005-08-18 | 2007-02-22 | Creditmax Llc | Debt sales system and method |
US20070050285A1 (en) * | 2005-08-26 | 2007-03-01 | Infotrak Inc. | Interactive loan information importing and editing web-based system |
US20070050284A1 (en) * | 2005-08-26 | 2007-03-01 | Freeman Cheryl L | Interactive loan searching and sorting web-based system |
US7925578B1 (en) | 2005-08-26 | 2011-04-12 | Jpmorgan Chase Bank, N.A. | Systems and methods for performing scoring optimization |
US20070050283A1 (en) * | 2005-08-26 | 2007-03-01 | Freeman Cheryl L | Interactive web-based system for managing mortgage loans and services |
US9432468B2 (en) | 2005-09-14 | 2016-08-30 | Liveperson, Inc. | System and method for design and dynamic generation of a web page |
US8738732B2 (en) | 2005-09-14 | 2014-05-27 | Liveperson, Inc. | System and method for performing follow up based on user interactions |
WO2007044500A2 (en) | 2005-10-06 | 2007-04-19 | C-Sam, Inc. | Transactional services |
US20130332343A1 (en) | 2005-10-06 | 2013-12-12 | C-Sam, Inc. | Multi-tiered, secure mobile transactions ecosystem enabling platform comprising a personalization tier, a service tier, and an enabling tier |
US20070083462A1 (en) * | 2005-10-12 | 2007-04-12 | Echeyde Cubillo | Method for coordinating investor--guaranteed loans over the internet |
WO2007059451A2 (en) * | 2005-11-15 | 2007-05-24 | Superior Access Insurance Services, Inc. | Method and system for dynamic insurance quotes |
US8489497B1 (en) | 2006-01-27 | 2013-07-16 | Jpmorgan Chase Bank, N.A. | Online interactive and partner-enhanced credit card |
US20070185797A1 (en) * | 2006-02-08 | 2007-08-09 | Rodney Robinson | System and method for aggregating financial data for loan processing |
US20070192457A1 (en) * | 2006-02-15 | 2007-08-16 | Thomas Ervin | Apparatus and method for providing a customized and interactive presentation over the internet |
US7645926B2 (en) * | 2006-02-28 | 2010-01-12 | Clennon Wayne Jerrolds | Fiddolin |
US7711636B2 (en) | 2006-03-10 | 2010-05-04 | Experian Information Solutions, Inc. | Systems and methods for analyzing data |
US20070226119A1 (en) * | 2006-03-21 | 2007-09-27 | Balser Robert J | Online valuation and trading of digital media |
US7747526B1 (en) | 2006-03-27 | 2010-06-29 | Fannie Mae | System and method for transferring mortgage loan servicing rights |
US7908210B2 (en) * | 2006-04-20 | 2011-03-15 | Finance Express, Llc | Systems and method for managing dealer information |
US20070255641A1 (en) * | 2006-04-28 | 2007-11-01 | Harrington Kevin F | Computer interface for trading bonds |
US20080091591A1 (en) * | 2006-04-28 | 2008-04-17 | Rockne Egnatios | Methods and systems for opening and funding a financial account online |
US20070271175A1 (en) * | 2006-05-17 | 2007-11-22 | Dennis Shaden | System, method and apparatus for brokering loan applications |
US20090204536A1 (en) * | 2006-05-22 | 2009-08-13 | Christopher Kennedy | Methods and systems for network loan marketing |
WO2008022289A2 (en) | 2006-08-17 | 2008-02-21 | Experian Information Services, Inc. | System and method for providing a score for a used vehicle |
US8027888B2 (en) * | 2006-08-31 | 2011-09-27 | Experian Interactive Innovation Center, Llc | Online credit card prescreen systems and methods |
US8799148B2 (en) | 2006-08-31 | 2014-08-05 | Rohan K. K. Chandran | Systems and methods of ranking a plurality of credit card offers |
US11887175B2 (en) | 2006-08-31 | 2024-01-30 | Cpl Assets, Llc | Automatically determining a personalized set of programs or products including an interactive graphical user interface |
US8275577B2 (en) | 2006-09-19 | 2012-09-25 | Smartsignal Corporation | Kernel-based method for detecting boiler tube leaks |
US8065225B1 (en) * | 2006-09-19 | 2011-11-22 | Fannie Mae | System and method for acquiring a mortgage loan |
US8036979B1 (en) | 2006-10-05 | 2011-10-11 | Experian Information Solutions, Inc. | System and method for generating a finance attribute from tradeline data |
US8589190B1 (en) | 2006-10-06 | 2013-11-19 | Liberty Mutual Insurance Company | System and method for underwriting a prepackaged business owners insurance policy |
US20080103960A1 (en) * | 2006-10-27 | 2008-05-01 | Mortgage Innovations, Inc. Dba Lionsaves.Com | System and method for a website that provides homeowners with a web based tool for debt consolidation options |
US20080109349A1 (en) * | 2006-11-08 | 2008-05-08 | George Jenich | System and method of processing loan applications |
US8311774B2 (en) | 2006-12-15 | 2012-11-13 | Smartsignal Corporation | Robust distance measures for on-line monitoring |
US8639614B2 (en) * | 2006-12-29 | 2014-01-28 | The Debt Exchange, Inc. | System and methods for trading complex financial products |
US8606666B1 (en) | 2007-01-31 | 2013-12-10 | Experian Information Solutions, Inc. | System and method for providing an aggregation tool |
US8606626B1 (en) | 2007-01-31 | 2013-12-10 | Experian Information Solutions, Inc. | Systems and methods for providing a direct marketing campaign planning environment |
TW200834452A (en) * | 2007-02-15 | 2008-08-16 | Shacom Com Inc | Method and system for creating online capital pool fund bidding platform |
TW200839643A (en) * | 2007-03-16 | 2008-10-01 | Shacom Com Inc | Method and system for constructing an online customer-directed interest rate deposit and loan platform |
US20080243674A1 (en) * | 2007-03-30 | 2008-10-02 | Leadpoint, Inc. | System for automated trading of informational items and having integrated ask-and -post features |
US7698214B1 (en) * | 2007-04-03 | 2010-04-13 | General Mortgage Finance Corp. | Systems and methods of trading closed loans, debt, and other financial obligations |
US7729961B1 (en) * | 2007-04-13 | 2010-06-01 | Federal Home Loan Mortgage Corporation (Freddie Mac) | Systems, methods, and computer-readable storage media for analyzing HMDA data |
US20080262962A1 (en) * | 2007-04-20 | 2008-10-23 | Keith Alliotts | System and method for coordinating student loans |
US20090043680A1 (en) * | 2007-08-09 | 2009-02-12 | Keith Alliotts | System and method for coordinating student loans |
US8306883B2 (en) * | 2007-04-30 | 2012-11-06 | Textura Corporation | Construction payment management systems and methods with specified billing features |
US20090271312A1 (en) * | 2007-05-11 | 2009-10-29 | Yung-Sung Chien | One-Price Home Mortgage Lending Method and System |
TW200844892A (en) * | 2007-05-11 | 2008-11-16 | Shacom Com Inc | One-price home mortgage lending method and platform |
WO2008147918A2 (en) | 2007-05-25 | 2008-12-04 | Experian Information Solutions, Inc. | System and method for automated detection of never-pay data sets |
US8010390B2 (en) | 2007-06-04 | 2011-08-30 | Computer Sciences Corporation | Claims processing of information requirements |
US8010391B2 (en) | 2007-06-29 | 2011-08-30 | Computer Sciences Corporation | Claims processing hierarchy for insured |
US8000986B2 (en) | 2007-06-04 | 2011-08-16 | Computer Sciences Corporation | Claims processing hierarchy for designee |
US8010389B2 (en) | 2007-06-04 | 2011-08-30 | Computer Sciences Corporation | Multiple policy claims processing |
US20080306854A1 (en) * | 2007-06-05 | 2008-12-11 | W.R. Hambrecht + Co., Llc | Event Timing Mechanisms for Dutch Auction of Securities |
US20080306855A1 (en) * | 2007-06-05 | 2008-12-11 | W.R. Hambrecht + Co., Llc | Allocation Mechanisms for Dutch Auction of Securities |
TW200905601A (en) * | 2007-07-19 | 2009-02-01 | Shacom Com Inc | Efficient debt payback system and method |
US20090037322A1 (en) * | 2007-08-02 | 2009-02-05 | Bank Of America Corporation | System and method for processing loan applications through competitive bidding |
US7761356B2 (en) * | 2007-08-02 | 2010-07-20 | Bank Of America Corporation | System and method for processing loan applications |
US8600798B1 (en) | 2007-09-21 | 2013-12-03 | Ellie Mae, Inc. | Loan screening |
US9690820B1 (en) | 2007-09-27 | 2017-06-27 | Experian Information Solutions, Inc. | Database system for triggering event notifications based on updates to database records |
US20090112650A1 (en) * | 2007-10-31 | 2009-04-30 | Iwane Donna S | Online method of procuring mortgage loans |
US7962404B1 (en) * | 2007-11-07 | 2011-06-14 | Experian Information Solutions, Inc. | Systems and methods for determining loan opportunities |
US20090132406A1 (en) * | 2007-11-21 | 2009-05-21 | Paperless Office Solutions, Inc. D/B/A Docvelocity | System and method for paperless loan applications |
US8127986B1 (en) | 2007-12-14 | 2012-03-06 | Consumerinfo.Com, Inc. | Card registry systems and methods |
US9990674B1 (en) | 2007-12-14 | 2018-06-05 | Consumerinfo.Com, Inc. | Card registry systems and methods |
US8612263B1 (en) | 2007-12-21 | 2013-12-17 | Genworth Holdings, Inc. | Systems and methods for providing a cash value adjustment to a life insurance policy |
US8244558B2 (en) | 2008-01-18 | 2012-08-14 | Computer Sciences Corporation | Determining recommended settlement amounts by adjusting values derived from matching similar claims |
US8312033B1 (en) | 2008-06-26 | 2012-11-13 | Experian Marketing Solutions, Inc. | Systems and methods for providing an integrated identifier |
US8793183B2 (en) * | 2008-07-15 | 2014-07-29 | Loaninsights, Llc | Reverse customized consumer loan search |
US7991689B1 (en) | 2008-07-23 | 2011-08-02 | Experian Information Solutions, Inc. | Systems and methods for detecting bust out fraud using credit data |
US8260846B2 (en) | 2008-07-25 | 2012-09-04 | Liveperson, Inc. | Method and system for providing targeted content to a surfer |
US8762313B2 (en) | 2008-07-25 | 2014-06-24 | Liveperson, Inc. | Method and system for creating a predictive model for targeting web-page to a surfer |
US8805844B2 (en) | 2008-08-04 | 2014-08-12 | Liveperson, Inc. | Expert search |
US9256904B1 (en) | 2008-08-14 | 2016-02-09 | Experian Information Solutions, Inc. | Multi-bureau credit file freeze and unfreeze |
US8214259B2 (en) * | 2008-09-03 | 2012-07-03 | Move, Inc. | Mortgage and real estate data integration and presentation system |
US8412593B1 (en) | 2008-10-07 | 2013-04-02 | LowerMyBills.com, Inc. | Credit card matching |
US20100257091A1 (en) * | 2008-10-08 | 2010-10-07 | Fletcher Marc L | System and method for producing a real estate loan application |
US20100100405A1 (en) * | 2008-10-17 | 2010-04-22 | Green Wizard, Llc | Method and Apparatus for Determining and Managing Sustainability Ratings |
US8560161B1 (en) | 2008-10-23 | 2013-10-15 | Experian Information Solutions, Inc. | System and method for monitoring and predicting vehicle attributes |
US9892417B2 (en) | 2008-10-29 | 2018-02-13 | Liveperson, Inc. | System and method for applying tracing tools for network locations |
US8060424B2 (en) | 2008-11-05 | 2011-11-15 | Consumerinfo.Com, Inc. | On-line method and system for monitoring and reporting unused available credit |
US20100174638A1 (en) | 2009-01-06 | 2010-07-08 | ConsumerInfo.com | Report existence monitoring |
US10430873B2 (en) | 2009-03-02 | 2019-10-01 | Kabbage, Inc. | Method and apparatus to evaluate and provide funds in online environments |
US7983951B2 (en) * | 2009-03-02 | 2011-07-19 | Kabbage, Inc. | Apparatus to provide liquid funds in the online auction and marketplace environment |
US20100250407A1 (en) * | 2009-03-30 | 2010-09-30 | Edson Silva | Systems, methods and machine-readable mediums for consolidating financial information from multiple accounts maintained with a plurality of financial institutions |
US20100299245A1 (en) * | 2009-04-13 | 2010-11-25 | Kaufman Bruce F | Web-based home-loan assessment system and mortgage brokerage service |
US20100293091A1 (en) * | 2009-05-18 | 2010-11-18 | Kurczodyna Joseph E | Method and system for implementing a fast amortization schedule (fas) index mortgage fund |
US20110087577A1 (en) * | 2009-10-08 | 2011-04-14 | Milton Chace Slavin | Computer-implemented system and method for real estate collateralized private party loan transactions |
US8566172B2 (en) | 2010-03-04 | 2013-10-22 | Preferred Home Buyers Network, Inc. | Distressed properties marketing system and method |
US9652802B1 (en) | 2010-03-24 | 2017-05-16 | Consumerinfo.Com, Inc. | Indirect monitoring and reporting of a user's credit data |
WO2011127049A1 (en) | 2010-04-07 | 2011-10-13 | Liveperson, Inc. | System and method for dynamically enabling customized web content and applications |
US8930262B1 (en) | 2010-11-02 | 2015-01-06 | Experian Technology Ltd. | Systems and methods of assisted strategy design |
US20150066740A1 (en) * | 2010-11-05 | 2015-03-05 | LTVtrade | System and Method of Electronic Exchange for Residential Mortgages |
US20120116944A1 (en) * | 2010-11-05 | 2012-05-10 | Dicarlo Dean | System and Method of Electronic Exchange for Residential Mortgages |
US10977727B1 (en) | 2010-11-18 | 2021-04-13 | AUTO I.D., Inc. | Web-based system and method for providing comprehensive vehicle build information |
US11301922B2 (en) | 2010-11-18 | 2022-04-12 | AUTO I.D., Inc. | System and method for providing comprehensive vehicle information |
US9147042B1 (en) | 2010-11-22 | 2015-09-29 | Experian Information Solutions, Inc. | Systems and methods for data verification |
US8918465B2 (en) | 2010-12-14 | 2014-12-23 | Liveperson, Inc. | Authentication of service requests initiated from a social networking site |
US9350598B2 (en) | 2010-12-14 | 2016-05-24 | Liveperson, Inc. | Authentication of service requests using a communications initiation feature |
US20120303511A1 (en) * | 2011-04-21 | 2012-11-29 | Environmental Financial Products, LLC | Method and system for determining market estimates with market based measures |
US20180108087A1 (en) * | 2011-04-21 | 2018-04-19 | Richard L. Sandor | Method and system for determining market estimates with market based measures |
US9558519B1 (en) | 2011-04-29 | 2017-01-31 | Consumerinfo.Com, Inc. | Exposing reporting cycle information |
US9665854B1 (en) | 2011-06-16 | 2017-05-30 | Consumerinfo.Com, Inc. | Authentication alerts |
US9483606B1 (en) | 2011-07-08 | 2016-11-01 | Consumerinfo.Com, Inc. | Lifescore |
US8620853B2 (en) | 2011-07-19 | 2013-12-31 | Smartsignal Corporation | Monitoring method using kernel regression modeling with pattern sequences |
US9250625B2 (en) | 2011-07-19 | 2016-02-02 | Ge Intelligent Platforms, Inc. | System of sequential kernel regression modeling for forecasting and prognostics |
US8660980B2 (en) | 2011-07-19 | 2014-02-25 | Smartsignal Corporation | Monitoring system using kernel regression modeling with pattern sequences |
US9256224B2 (en) | 2011-07-19 | 2016-02-09 | GE Intelligent Platforms, Inc | Method of sequential kernel regression modeling for forecasting and prognostics |
US9106691B1 (en) | 2011-09-16 | 2015-08-11 | Consumerinfo.Com, Inc. | Systems and methods of identity protection and management |
US8738516B1 (en) | 2011-10-13 | 2014-05-27 | Consumerinfo.Com, Inc. | Debt services candidate locator |
US8943002B2 (en) | 2012-02-10 | 2015-01-27 | Liveperson, Inc. | Analytics driven engagement |
US8805941B2 (en) | 2012-03-06 | 2014-08-12 | Liveperson, Inc. | Occasionally-connected computing interface |
US9563336B2 (en) | 2012-04-26 | 2017-02-07 | Liveperson, Inc. | Dynamic user interface customization |
US9853959B1 (en) | 2012-05-07 | 2017-12-26 | Consumerinfo.Com, Inc. | Storage and maintenance of personal data |
US9672196B2 (en) | 2012-05-15 | 2017-06-06 | Liveperson, Inc. | Methods and systems for presenting specialized content using campaign metrics |
US10255632B2 (en) | 2012-07-02 | 2019-04-09 | Kabbage, Inc. | Method and apparatus to evaluate and provide funds in online environments |
US20140019337A1 (en) * | 2012-07-13 | 2014-01-16 | Ebay, Inc. | Creditor offers for taking a user debt |
US9654541B1 (en) | 2012-11-12 | 2017-05-16 | Consumerinfo.Com, Inc. | Aggregating user web browsing data |
US9916621B1 (en) | 2012-11-30 | 2018-03-13 | Consumerinfo.Com, Inc. | Presentation of credit score factors |
US10255598B1 (en) | 2012-12-06 | 2019-04-09 | Consumerinfo.Com, Inc. | Credit card account data extraction |
US9697263B1 (en) | 2013-03-04 | 2017-07-04 | Experian Information Solutions, Inc. | Consumer data request fulfillment system |
US9870589B1 (en) | 2013-03-14 | 2018-01-16 | Consumerinfo.Com, Inc. | Credit utilization tracking and reporting |
US10102570B1 (en) | 2013-03-14 | 2018-10-16 | Consumerinfo.Com, Inc. | Account vulnerability alerts |
US9406085B1 (en) | 2013-03-14 | 2016-08-02 | Consumerinfo.Com, Inc. | System and methods for credit dispute processing, resolution, and reporting |
US10685398B1 (en) | 2013-04-23 | 2020-06-16 | Consumerinfo.Com, Inc. | Presenting credit score information |
US9443268B1 (en) | 2013-08-16 | 2016-09-13 | Consumerinfo.Com, Inc. | Bill payment and reporting |
US9686121B2 (en) * | 2013-09-23 | 2017-06-20 | Amazon Technologies, Inc. | Client-premise resource control via provider-defined interfaces |
US10325314B1 (en) | 2013-11-15 | 2019-06-18 | Consumerinfo.Com, Inc. | Payment reporting systems |
US9477737B1 (en) | 2013-11-20 | 2016-10-25 | Consumerinfo.Com, Inc. | Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules |
US10262362B1 (en) | 2014-02-14 | 2019-04-16 | Experian Information Solutions, Inc. | Automatic generation of code for attributes |
USD759689S1 (en) | 2014-03-25 | 2016-06-21 | Consumerinfo.Com, Inc. | Display screen or portion thereof with graphical user interface |
USD760256S1 (en) | 2014-03-25 | 2016-06-28 | Consumerinfo.Com, Inc. | Display screen or portion thereof with graphical user interface |
USD759690S1 (en) | 2014-03-25 | 2016-06-21 | Consumerinfo.Com, Inc. | Display screen or portion thereof with graphical user interface |
US11386442B2 (en) | 2014-03-31 | 2022-07-12 | Liveperson, Inc. | Online behavioral predictor |
US9892457B1 (en) | 2014-04-16 | 2018-02-13 | Consumerinfo.Com, Inc. | Providing credit data in search results |
US10019743B1 (en) | 2014-09-19 | 2018-07-10 | Altisource S.á r.l. | Methods and systems for auto expanding vendor selection |
US10580054B2 (en) | 2014-12-18 | 2020-03-03 | Experian Information Solutions, Inc. | System, method, apparatus and medium for simultaneously generating vehicle history reports and preapproved financing options |
US10445152B1 (en) | 2014-12-19 | 2019-10-15 | Experian Information Solutions, Inc. | Systems and methods for dynamic report generation based on automatic modeling of complex data structures |
WO2016196806A1 (en) | 2015-06-02 | 2016-12-08 | Liveperson, Inc. | Dynamic communication routing based on consistency weighting and routing rules |
US11410230B1 (en) | 2015-11-17 | 2022-08-09 | Consumerinfo.Com, Inc. | Realtime access and control of secure regulated data |
US10853895B1 (en) | 2015-11-20 | 2020-12-01 | Wells Fargo Bank, N.A. | Information display and analysis system, computer implemented method, and non-transitory computer-readable data storage medium |
US10757154B1 (en) | 2015-11-24 | 2020-08-25 | Experian Information Solutions, Inc. | Real-time event-based notification system |
WO2017205984A1 (en) * | 2016-06-02 | 2017-12-07 | Fundever Market Solutions Inc. | Secure network that efficiently connects ad-hoc subnetworks of nodes having volatile and private connection criteria |
US10409867B1 (en) | 2016-06-16 | 2019-09-10 | Experian Information Solutions, Inc. | Systems and methods of managing a database of alphanumeric values |
CN109844717B (en) | 2016-08-14 | 2023-05-23 | 利维帕尔森有限公司 | System and method for real-time remote control of mobile applications |
CN110383319B (en) | 2017-01-31 | 2023-05-26 | 益百利信息解决方案公司 | Large scale heterogeneous data ingestion and user resolution |
TWI610263B (en) * | 2017-02-13 | 2018-01-01 | 盈智科技有限公司 | Loan conditions matching system adopting multi-group parallel matching mechanism |
US11514517B2 (en) | 2017-04-24 | 2022-11-29 | Consumer Direct, Inc. | Scenario gamification to provide improved mortgage and securitization |
US11232489B2 (en) | 2017-04-24 | 2022-01-25 | Consumer Direct, Inc. | Scenario gamification to provide actionable elements and temporally appropriate advertising |
US10735183B1 (en) | 2017-06-30 | 2020-08-04 | Experian Information Solutions, Inc. | Symmetric encryption for private smart contracts among multiple parties in a private peer-to-peer network |
US11210276B1 (en) | 2017-07-14 | 2021-12-28 | Experian Information Solutions, Inc. | Database system for automated event analysis and detection |
US10740404B1 (en) | 2018-03-07 | 2020-08-11 | Experian Information Solutions, Inc. | Database system for dynamically generating customized models |
US10565181B1 (en) | 2018-03-07 | 2020-02-18 | Experian Information Solutions, Inc. | Database system for dynamically generating customized models |
US10880313B2 (en) | 2018-09-05 | 2020-12-29 | Consumerinfo.Com, Inc. | Database platform for realtime updating of user data from third party sources |
US20200134715A1 (en) * | 2018-10-31 | 2020-04-30 | Evgenii Lobachev | Crowdvouching |
US11315179B1 (en) | 2018-11-16 | 2022-04-26 | Consumerinfo.Com, Inc. | Methods and apparatuses for customized card recommendations |
US11354733B2 (en) * | 2018-11-20 | 2022-06-07 | Bank Of America Corporation | External entity cross-relational dynamic matching system |
WO2020146667A1 (en) | 2019-01-11 | 2020-07-16 | Experian Information Solutions, Inc. | Systems and methods for secure data aggregation and computation |
US11157835B1 (en) | 2019-01-11 | 2021-10-26 | Experian Information Solutions, Inc. | Systems and methods for generating dynamic models based on trigger events |
US11238656B1 (en) | 2019-02-22 | 2022-02-01 | Consumerinfo.Com, Inc. | System and method for an augmented reality experience via an artificial intelligence bot |
US10909533B2 (en) | 2019-03-13 | 2021-02-02 | Stream Source Technologies | System and methods of securely matching a buyer to a seller |
US11636537B2 (en) | 2019-03-26 | 2023-04-25 | StreamSource Technologies | System and methods of providing point-of-need financing |
US11941065B1 (en) | 2019-09-13 | 2024-03-26 | Experian Information Solutions, Inc. | Single identifier platform for storing entity data |
US11769219B2 (en) | 2021-11-15 | 2023-09-26 | Anthony Makins | Computer-implemented and interactive real estate contract generation and editing process |
Family Cites Families (84)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US561797A (en) * | 1896-06-09 | Process of and apparatus for copying pictures | ||
US3596256A (en) * | 1969-08-08 | 1971-07-27 | Pitney Bowes Alpex | Transaction computer system having multiple access stations |
GB1504112A (en) * | 1976-03-17 | 1978-03-15 | Ibm | Interactive enquiry systems |
US4346442A (en) * | 1980-07-29 | 1982-08-24 | Merrill Lynch, Pierce, Fenner & Smith Incorporated | Securities brokerage-cash management system |
US6289319B1 (en) * | 1984-05-24 | 2001-09-11 | Lawrence B. Lockwood | Automatic business and financial transaction processing system |
US5309355A (en) * | 1984-05-24 | 1994-05-03 | Lockwood Lawrence B | Automated sales system |
US4736294A (en) * | 1985-01-11 | 1988-04-05 | The Royal Bank Of Canada | Data processing methods and apparatus for managing vehicle financing |
US4774664A (en) * | 1985-07-01 | 1988-09-27 | Chrysler First Information Technologies Inc. | Financial data processing system and method |
US4831526A (en) * | 1986-04-22 | 1989-05-16 | The Chubb Corporation | Computerized insurance premium quote request and policy issuance system |
US4799156A (en) * | 1986-10-01 | 1989-01-17 | Strategic Processing Corporation | Interactive market management system |
US4750119A (en) * | 1986-10-10 | 1988-06-07 | Tradevest, Inc. | Purchasing system with rebate feature |
US5218539A (en) * | 1986-12-01 | 1993-06-08 | International Business Machines Corporation | Forms processor with controlled remote revision |
US4994964A (en) * | 1987-04-16 | 1991-02-19 | L & C Family Partnership | Transaction tracking data processing system |
US4989141A (en) * | 1987-06-01 | 1991-01-29 | Corporate Class Software | Computer system for financial analyses and reporting |
US4916611A (en) * | 1987-06-30 | 1990-04-10 | Northern Group Services, Inc. | Insurance administration system with means to allow an employer to directly communicate employee status data to centralized data storage means |
US4876648A (en) * | 1988-01-12 | 1989-10-24 | Lloyd Clarke B | System and method for implementing and administering a mortgage plan |
US5644726A (en) * | 1989-05-25 | 1997-07-01 | Oppenheimer; Robert H. | Method and system implementing a mortgage partnership |
US5136501A (en) * | 1989-05-26 | 1992-08-04 | Reuters Limited | Anonymous matching system |
JPH0833958B2 (en) * | 1989-05-30 | 1996-03-29 | 沖電気工業株式会社 | Customer information processing system |
US5297031A (en) * | 1990-03-06 | 1994-03-22 | Chicago Board Of Trade | Method and apparatus for order management by market brokers |
JP2938140B2 (en) * | 1990-05-23 | 1999-08-23 | 株式会社日立製作所 | Inquiry-response information service system |
US5231571A (en) * | 1990-08-14 | 1993-07-27 | Personal Financial Assistant, Inc. | Personal financial assistant computer method |
US5274547A (en) * | 1991-01-03 | 1993-12-28 | Credco Of Washington, Inc. | System for generating and transmitting credit reports |
US5383113A (en) * | 1991-07-25 | 1995-01-17 | Checkfree Corporation | System and method for electronically providing customer services including payment of bills, financial analysis and loans |
US5323315A (en) * | 1991-08-02 | 1994-06-21 | Vintek, Inc. | Computer system for monitoring the status of individual items of personal property which serve as collateral for securing financing |
US5375055A (en) * | 1992-02-03 | 1994-12-20 | Foreign Exchange Transaction Services, Inc. | Credit management for electronic brokerage system |
US5239462A (en) * | 1992-02-25 | 1993-08-24 | Creative Solutions Groups, Inc. | Method and apparatus for automatically determining the approval status of a potential borrower |
JPH0685961A (en) * | 1992-07-14 | 1994-03-25 | Canon Inc | Communication equipment |
US5999908A (en) * | 1992-08-06 | 1999-12-07 | Abelow; Daniel H. | Customer-based product design module |
US6012047A (en) * | 1993-01-25 | 2000-01-04 | Transamerica Corporation | Reverse mortgage processing system |
JP2557192B2 (en) * | 1993-03-15 | 1996-11-27 | インターナショナル・ビジネス・マシーンズ・コーポレイション | Transaction processing synchronization method, transaction processing monitoring method, and transaction commit processing method |
JP3255754B2 (en) * | 1993-04-23 | 2002-02-12 | 富士通株式会社 | Electronic trading system |
US5794207A (en) * | 1996-09-04 | 1998-08-11 | Walker Asset Management Limited Partnership | Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers |
DE69427642T2 (en) * | 1993-08-27 | 2002-05-16 | Affinity Technology Inc | FINANCIAL TRANSACTION PROCESS AND DEVICE WITH A CLOSED LOOP |
US5940811A (en) * | 1993-08-27 | 1999-08-17 | Affinity Technology Group, Inc. | Closed loop financial transaction method and apparatus |
US5500793A (en) * | 1993-09-02 | 1996-03-19 | Equitrade | Computerized system for developing multi-party property equity exchange scenarios |
US5809484A (en) * | 1993-10-08 | 1998-09-15 | Human Capital Resources, Inc. | Method and apparatus for funding education by acquiring shares of students future earnings |
BR9407719A (en) * | 1993-10-29 | 1997-02-12 | Ronald D Keithley | Interactive multimedia communication system that accesses industry-specific information |
US5611052A (en) * | 1993-11-01 | 1997-03-11 | The Golden 1 Credit Union | Lender direct credit evaluation and loan processing system |
US5930776A (en) * | 1993-11-01 | 1999-07-27 | The Golden 1 Credit Union | Lender direct credit evaluation and loan processing system |
US5560005A (en) * | 1994-02-25 | 1996-09-24 | Actamed Corp. | Methods and systems for object-based relational distributed databases |
US5592375A (en) * | 1994-03-11 | 1997-01-07 | Eagleview, Inc. | Computer-assisted system for interactively brokering goods or services between buyers and sellers |
US5754850A (en) * | 1994-05-11 | 1998-05-19 | Realselect, Inc. | Real-estate method and apparatus for searching for homes in a search pool for exact and close matches according to primary and non-primary selection criteria |
GB9416673D0 (en) * | 1994-08-17 | 1994-10-12 | Reuters Ltd | Data exchange filtering system |
US5820386A (en) * | 1994-08-18 | 1998-10-13 | Sheppard, Ii; Charles Bradford | Interactive educational apparatus and method |
US5797133A (en) * | 1994-08-31 | 1998-08-18 | Strategic Solutions Group, Inc | Method for automatically determining the approval status of a potential borrower |
US5749077A (en) * | 1994-11-28 | 1998-05-05 | Fs Holdings, Inc. | Method and apparatus for updating and selectively accessing financial records related to investments |
US5732400A (en) * | 1995-01-04 | 1998-03-24 | Citibank N.A. | System and method for a risk-based purchase of goods |
US5689705A (en) * | 1995-02-13 | 1997-11-18 | Pulte Home Corporation | System for facilitating home construction and sales |
US6058378A (en) * | 1995-02-22 | 2000-05-02 | Citibank, N.A. | Electronic delivery system and method for integrating global financial services |
US5845265A (en) * | 1995-04-26 | 1998-12-01 | Mercexchange, L.L.C. | Consignment nodes |
US5699527A (en) * | 1995-05-01 | 1997-12-16 | Davidson; David Edward | Method and system for processing loan |
US5774883A (en) * | 1995-05-25 | 1998-06-30 | Andersen; Lloyd R. | Method for selecting a seller's most profitable financing program |
US5708825A (en) * | 1995-05-26 | 1998-01-13 | Iconovex Corporation | Automatic summary page creation and hyperlink generation |
US5701451A (en) * | 1995-06-07 | 1997-12-23 | International Business Machines Corporation | Method for fulfilling requests of a web browser |
US5664115A (en) * | 1995-06-07 | 1997-09-02 | Fraser; Richard | Interactive computer system to match buyers and sellers of real estate, businesses and other property using the internet |
US5659731A (en) * | 1995-06-19 | 1997-08-19 | Dun & Bradstreet, Inc. | Method for rating a match for a given entity found in a list of entities |
US5706434A (en) * | 1995-07-06 | 1998-01-06 | Electric Classifieds, Inc. | Integrated request-response system and method generating responses to request objects formatted according to various communication protocols |
US5819230A (en) * | 1995-08-08 | 1998-10-06 | Homevest Financial Group, Inc. | System and method for tracking and funding asset purchase and insurance policy |
US5878403A (en) * | 1995-09-12 | 1999-03-02 | Cmsi | Computer implemented automated credit application analysis and decision routing system |
US5715402A (en) * | 1995-11-09 | 1998-02-03 | Spot Metals Online | Method and system for matching sellers and buyers of spot metals |
US5809478A (en) * | 1995-12-08 | 1998-09-15 | Allstate Insurance Company | Method for accessing and evaluating information for processing an application for insurance |
US6088686A (en) * | 1995-12-12 | 2000-07-11 | Citibank, N.A. | System and method to performing on-line credit reviews and approvals |
US5758324A (en) * | 1995-12-15 | 1998-05-26 | Hartman; Richard L. | Resume storage and retrieval system |
US5907828A (en) * | 1995-12-26 | 1999-05-25 | Meyer; Bennett S. | System and method for implementing and administering lender-owned credit life insurance policies |
US6014645A (en) * | 1996-04-19 | 2000-01-11 | Block Financial Corporation | Real-time financial card application system |
US5987434A (en) * | 1996-06-10 | 1999-11-16 | Libman; Richard Marc | Apparatus and method for transacting marketing and sales of financial products |
US5897621A (en) * | 1996-06-14 | 1999-04-27 | Cybercash, Inc. | System and method for multi-currency transactions |
US5765144A (en) * | 1996-06-24 | 1998-06-09 | Merrill Lynch & Co., Inc. | System for selecting liability products and preparing applications therefor |
US6014643A (en) * | 1996-06-28 | 2000-01-11 | Minton; Vernon F. | Interactive securities trading system |
US5764144A (en) * | 1996-09-26 | 1998-06-09 | Itza Snap Inc. | Tarpaulin alarm system |
US5966699A (en) * | 1996-10-11 | 1999-10-12 | Zandi; Richard | System and method for conducting loan auction over computer network |
US6603487B1 (en) * | 1996-10-31 | 2003-08-05 | International Business Machines Corporation | System for electronically developing and processing a document |
US5930775A (en) * | 1997-01-14 | 1999-07-27 | Freddie Mac | Method and apparatus for determining an optimal investment plan for distressed residential real estate loans |
US5904812A (en) * | 1997-06-16 | 1999-05-18 | Kimberly-Clark Worldwide, Inc. | Calendered and embossed tissue products |
US6112190A (en) * | 1997-08-19 | 2000-08-29 | Citibank, N.A. | Method and system for commercial credit analysis |
US5940812A (en) * | 1997-08-19 | 1999-08-17 | Loanmarket Resources, L.L.C. | Apparatus and method for automatically matching a best available loan to a potential borrower via global telecommunications network |
US5995947A (en) * | 1997-09-12 | 1999-11-30 | Imx Mortgage Exchange | Interactive mortgage and loan information and real-time trading system |
US6085174A (en) * | 1997-09-23 | 2000-07-04 | Edelman; Ric | Computer assisted and/or implemented process and architecture for administering an investment and/or retirement program |
US6049784A (en) * | 1997-12-16 | 2000-04-11 | Capital One Financial Corporation | Method for creating and managing a lease agreement |
US6385594B1 (en) * | 1998-05-08 | 2002-05-07 | Lendingtree, Inc. | Method and computer network for co-ordinating a loan over the internet |
US6505176B2 (en) * | 1998-06-12 | 2003-01-07 | First American Credit Management Solutions, Inc. | Workflow management system for an automated credit application system |
US6324524B1 (en) * | 1998-11-03 | 2001-11-27 | Nextcard, Inc. | Method and apparatus for an account level offer of credit and real time balance transfer |
EP1224598A4 (en) * | 1998-11-09 | 2002-10-23 | E Fin Llc | Computer-driven information management system for selectively matching credit applicants with money lenders through a global communications network |
-
1997
- 1997-09-12 US US08/928,559 patent/US5995947A/en not_active Expired - Lifetime
-
1998
- 1998-09-11 CA CA002293462A patent/CA2293462A1/en not_active Abandoned
- 1998-09-11 EP EP98946943A patent/EP1012769A1/en not_active Withdrawn
- 1998-09-11 WO PCT/US1998/018934 patent/WO1999013425A1/en not_active Application Discontinuation
-
2005
- 2005-10-11 US US11/248,018 patent/US20060190394A1/en not_active Abandoned
-
2009
- 2009-07-16 US US12/504,132 patent/US20100023440A1/en not_active Abandoned
- 2009-07-16 US US12/504,350 patent/US20100023446A1/en not_active Abandoned
Also Published As
Publication number | Publication date |
---|---|
CA2293462A1 (en) | 1999-03-18 |
US20100023446A1 (en) | 2010-01-28 |
EP1012769A1 (en) | 2000-06-28 |
US20100023440A1 (en) | 2010-01-28 |
WO1999013425A1 (en) | 1999-03-18 |
US5995947A (en) | 1999-11-30 |
US20060190394A1 (en) | 2006-08-24 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US5995947A (en) | Interactive mortgage and loan information and real-time trading system | |
US7035820B2 (en) | Systems and methods for trading and originating financial products using a computer network | |
AU2001288582B2 (en) | Computer trading of financial interests | |
US7584139B2 (en) | Systems and methods for trading and originating financial products using a computer network | |
US8386378B2 (en) | Automated loan risk assessment system and method | |
US8676679B2 (en) | Counterparty credit limits in computerized trading | |
US6484153B1 (en) | System and method for managing third-party input to a conditional purchase offer (CPO) | |
US6366892B1 (en) | Method and system for automatically producing loan documents | |
US20030220867A1 (en) | Systems and methods for trading and originating financial products using a computer network | |
US20030036994A1 (en) | Automated mortgage lender processing system | |
US20030018558A1 (en) | System, method and computer program product for online financial products trading | |
US20100205084A1 (en) | Computer system and method for networked interchange of data and information for members of the real estate financial and related transactional services industry | |
US20020007335A1 (en) | Method and system for a network-based securities marketplace | |
WO2000039736A2 (en) | System, method and computer program product for online financial products trading | |
WO2003048993A1 (en) | System and methodsfor an electronic real estate trading environment | |
WO2000062209A1 (en) | Application apparatus and method | |
US8538847B2 (en) | Method for investing working capital | |
US8706593B2 (en) | System for access to and exchange of market data | |
Ogan et al. | Corporate reporting and the accounting profession: An interpretive paradigm | |
Harker | Fraser et ai. | |
WO2002037367A1 (en) | Automated securitization system | |
EP1325444A1 (en) | System and method for facilitating online financial transactions | |
Eszter | HUNGARIAN LAND AUCTIONS IN THE MIRROR OF NEW REGULATIONS | |
Ogan et al. | Corporate reporting and the accounting profession: an interpretive appraisal |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
AK | Designated states |
Kind code of ref document: A1 Designated state(s): CA |
|
AL | Designated countries for regional patents |
Kind code of ref document: A1 Designated state(s): AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE |
|
121 | Ep: the epo has been informed by wipo that ep was designated in this application | ||
AK | Designated states |
Kind code of ref document: C2 Designated state(s): CA |
|
AL | Designated countries for regional patents |
Kind code of ref document: C2 Designated state(s): AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE |
|
COP | Corrected version of pamphlet |
Free format text: PAGES 1-38, DESCRIPTION, REPLACED BY NEW PAGES 1-27; PAGES 39-45, CLAIMS, REPLACED BY NEW PAGES 28-32 |
|
DFPE | Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101) | ||
ENP | Entry into the national phase |
Ref document number: 2293462 Country of ref document: CA Ref country code: CA Ref document number: 2293462 Kind code of ref document: A Format of ref document f/p: F |
|
WWE | Wipo information: entry into national phase |
Ref document number: 1998946943 Country of ref document: EP |
|
WWP | Wipo information: published in national office |
Ref document number: 1998946943 Country of ref document: EP |
|
WWW | Wipo information: withdrawn in national office |
Ref document number: 1998946943 Country of ref document: EP |