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公开(公告)号：US11636539B1
公开(公告)日：2023-04-25
申请号：US17168961
申请日：2021-02-05
Inventor： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
Abstract: A system and computer-implemented method for approving a dynamic mortgage application. In one aspect, the method may include determining a customer is approved for a mortgage and determining a real estate property is mortgage ready, including calculating an appraisal value for the real estate property based upon the information about the real property retrieved from a computer file or memory location/address (such as by using a machine learning or artificial intelligence algorithm). The method may still further include comparing the calculated amount the customer is approved for a mortgage loan with the calculated appraisal value of the real estate property; and approving the mortgage application of the customer for the real estate property when the calculated amount the customer is approved for the mortgage loan meets, or exceeds, the calculated appraisal value of the real estate property.
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公开(公告)号：US20210272145A1
公开(公告)日：2021-09-02
申请号：US15975278
申请日：2018-05-09
Inventor： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
Abstract: A computer-implemented method of incentivizing an insurance agent to update a blockchain. The method includes receiving, at one or more processors, a message indicating an agent updated a blockchain with information about a customer or a real estate property. The method further includes increasing, according to an interval of time, a score of the agent for at least one item of information about one or more of the customer or the real estate property updated to the blockchain. The method still further includes calculating an agent rating based upon the score of the agent, the agent rating used to compute one or more of compensation or bonus of the agent.
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公开(公告)号：US11010831B1
公开(公告)日：2021-05-18
申请号：US15975386
申请日：2018-05-09
Inventor： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
Abstract: A system and computer-implemented method of identifying multiple mortgage ready properties using computer technology and/or machine learning algorithms or artificial intelligence. The method includes receiving, via one or more processors, information from a customer approved for a mortgage about preferences for a real estate property and accessing, at a memory coupled to one or more processors, a computer file and/or memory location/address to retrieve a plurality of mortgage ready real estate properties meeting one or more of the customer preferences information. The method further includes transmitting, via the one or more processors, the plurality of real estate properties meeting one or more of the customer preferences information to the customer.
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公开(公告)号：US20240303732A1
公开(公告)日：2024-09-12
申请号：US18666481
申请日：2024-05-16
Inventor： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
CPC classification number: G06Q40/03 , G06Q40/02 , G06Q50/16 , H04L9/0637 , H04L9/50
Abstract: A system and computer-implemented method of continuously updating information about one or more of a customer approved for a mortgage and a real estate property identified as mortgage ready. The method includes monitoring information accessed from a memory storage location corresponding to a customer identification number, the information used to determine the customer is approved for a mortgage, and receiving new information about the customer, the new information used to determine the customer is approved for a mortgage. The method also includes updating, at a memory coupled to the one or more processors, the memory storage location to include the new information. The method still further includes recalculating the amount in which the customer is approved for a mortgage based upon the new information received.
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公开(公告)号：US11966992B1
公开(公告)日：2024-04-23
申请号：US15975504
申请日：2018-05-09
Inventor： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes , Shyam Tummala
IPC: G06Q40/08 , G06N20/00 , G06Q30/0601 , G06Q40/03 , G06Q50/16
CPC classification number: G06Q50/16 , G06N20/00 , G06Q30/0627 , G06Q40/03 , G06Q40/08 , G06Q2220/00
Abstract: A system and computer-implemented method of identifying multiple mortgage ready properties. The method includes receiving, via one or more processors, information from a customer approved for a mortgage about preferences for a real estate property and accessing, at a memory coupled to one or more processors, a memory storage location to retrieve a plurality of mortgage ready real estate properties meeting one or more of the customer preferences information. The method further includes transmitting, via the one or more processors, the plurality of real estate properties meeting one or more of the customer preferences information to the customer.
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Patent Agency Ranking
公开(公告)号：US20230394569A1
公开(公告)日：2023-12-07
申请号：US18236539
申请日：2023-08-22
Inventor： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
CPC classification number: G06Q40/03 , G06Q30/0278 , H04L9/0637 , G06Q50/16 , H04L9/50
Abstract: A computer-implemented method of continuously updating information about a customer approved for a mortgage, the customer associated with a customer identification number. In one aspect, the method may include monitoring information accessed from a blockchain corresponding to the customer identification number, the information used to determine the customer is approved for a mortgage. In addition, the method may further include receiving new information about the customer, the new information used to determine the customer is approved for a mortgage. Further, the method may include updating a block of the blockchain to include the new information and recalculating the amount in which the customer is approved for a mortgage based upon the new information received.
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公开(公告)号：US20220172284A1
公开(公告)日：2022-06-02
申请号：US15975253
申请日：2018-05-09
Inventor： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
Abstract: A system and computer-implemented method of identifying multiple mortgage ready properties using blockchain technology. The method includes receiving, via one or more processors, information from a customer approved for a mortgage about preferences for a real estate property and accessing a block of a blockchain to retrieve a plurality of mortgage ready real estate properties meeting one or more of the customer preferences information. The method further includes transmitting, via the one or more processors, the plurality of real estate properties meeting one or more of the customer preferences information to the customer.
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公开(公告)号：US20220114663A1
公开(公告)日：2022-04-14
申请号：US17560938
申请日：2021-12-23
Inventor： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
Abstract: A system and computer-implemented method for approving a dynamic mortgage application using a blockchain. In one aspect, the method may include determining a customer is approved for a mortgage (“mortgage ready”) and determining a real estate property is mortgage ready. The method may include comparing a calculated amount in which the customer is approved for a mortgage loan with a calculated appraisal value of the real estate property, and approving the mortgage application of the customer when the calculated amount the customer is approved for the mortgage loan is equal to, or exceeds, the calculated appraisal value of the real estate property, reducing a processing time and closing time of the mortgage.
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公开(公告)号：US20210350455A1
公开(公告)日：2021-11-11
申请号：US17383347
申请日：2021-07-22
Inventor： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
Abstract: A system and computer-implemented method of continuously updating information about one or more of a customer approved for a mortgage and a real estate property identified as mortgage ready. The method includes monitoring information accessed from a memory storage location corresponding to a customer identification number, the information used to determine the customer is approved for a mortgage, and receiving new information about the customer, the new information used to determine the customer is approved for a mortgage. The method also includes updating, at a memory coupled to the one or more processors, the memory storage location to include the new information. The method still further includes recalculating the amount in which the customer is approved for a mortgage based upon the new information received.
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公开(公告)号：US11100574B1
公开(公告)日：2021-08-24
申请号：US15975344
申请日：2018-05-09
Inventor： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
IPC: G06Q40/02 , G06Q50/16 , H04L9/06 , G06Q30/02 , G06F16/9537
Abstract: A system and computer-implemented method for continuously updating information about one or more of a customer approved for a mortgage and a real estate property identified as mortgage ready using computer technology and/or machine learning algorithms or artificial intelligence. The method includes monitoring information corresponding to one or more of the customer or the real estate property; identifying new information about one or more of the customer or the real estate property; updating a computer file and/or memory location/address to include the new information about one or more of the customer or the real estate property; and recalculating one or more of the amount in which the customer is approved for the mortgage or the appraisal value of the real estate property based upon one or more of new information received and the updated information from the computer file and/or memory location/address.
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