公开(公告)号：US08229846B1

公开(公告)日：2012-07-24

申请号：US12503609

申请日：2009-07-15

Applicant: Pat Sheehy ,  Lesley R. Corydon ,  David A. Clifton ,  George Black ,  Jay Roth ,  Panickos Palettas ,  Elaine Wistar ,  Julie Shuttlesworth

Inventor： Pat Sheehy ,  Lesley R. Corydon ,  David A. Clifton ,  George Black ,  Jay Roth ,  Panickos Palettas ,  Elaine Wistar ,  Julie Shuttlesworth

IPC: G06Q40/00

CPC classification number: G06Q30/0215 ,  G06Q20/10 ,  G06Q30/02 ,  G06Q30/0233 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q50/16

Abstract: A computer-implemented method is disclosed for rewarding mortgage customers of a financial institution. The method includes providing enrollment in a mortgage matching system to eligible mortgage customers, wherein eligibility requirements include the requirement that eligible mortgage customers hold both a mortgage account and a checking account with the financial institution. The customer makes periodic mortgage payments from the checking account to the mortgage account. The method monitors continued compliance with the eligibility requirements and submission of the periodic payments using a monitoring engine. The method further includes determining a reward payment amount to be made to each complying mortgage customer, wherein the reward payment amount is a predetermined percentage of principal and interest paid during a predetermined time period. The calculated reward payment amount is transferred to a pre-selected accessible location for each complying mortgage customer.

Abstract translation: 公开了一种计算机实现的方法来奖励金融机构的抵押贷款客户。 该方法包括向符合条件的抵押贷款客户提供按揭配对系统的登记，其中资格要求包括符合条件的抵押贷款客户持有抵押账户和与金融机构的支票账户的要求。 客户定期将抵押贷款从支票账户支付给抵押账户。 该方法监测继续遵守资格要求并使用监控引擎提交定期支付。 该方法还包括确定对每个合规按揭客户进行的奖励支付金额，其中奖励支付金额是在预定时间段期间支付的本金和利息的预定百分比。 计算的奖励支付金额被转移到每个符合抵押贷款客户的预先选择的可访问位置。