发明授权
- 专利标题: Method and apparatus for monitoring guaranteed loans and notifying guarantors
- 专利标题(中): 监督担保贷款和通知担保人的方法和手段
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申请号: US12068428申请日: 2008-02-06
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公开(公告)号: US07702552B2公开(公告)日: 2010-04-20
- 发明人: Peter A. Schnall
- 申请人: Peter A. Schnall
- 申请人地址: US VA McLean
- 专利权人: Capital One Financial Corporation
- 当前专利权人: Capital One Financial Corporation
- 当前专利权人地址: US VA McLean
- 代理机构: Finnegan, Henderson, Farabow, Garrett & Dunner, L.L.P.
- 主分类号: G06Q40/00
- IPC分类号: G06Q40/00
摘要:
A method and apparatus are provided for notifying a guarantor associated with a guaranteed loan of events likely to affect their interest in the guaranteed loan. The disclosed method and apparatus provides loan data with information on at least one guaranteed loan wherein the loan data includes information on the terms of the loan. The method and apparatus then monitors changes in the loan data and determines when changes in the loan data corresponding to the at least one guaranteed loan indicates a likelihood that the terms of the loan may not be met. Based on the determination the method and apparatus provides a notification to the guarantor based on the determination that the loan terms may not be met.
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