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公开(公告)号：US20240420094A1
公开(公告)日：2024-12-19
申请号：US18504747
申请日：2023-11-08
Inventor： Anjela Spreen , Geetha P. Nagarajan , Reuven Birnbaum , Shyam Tummala , Hariprakash T. Ejilane
IPC: G06Q10/20 , G06Q10/1093
Abstract: A damage assessment (DA) computing device including at least one memory and at least one processor is disclosed. The at least one processor of the DA computing device is programmed to receive, from a client device, data representing a glass related damage claim, and determine characteristics of the damage to the glass by analyzing the received data. The characteristics of damage include at least a type of the damage, and a size of the damage. The at least one processor is programmed to determine, based upon the determined characteristics of the damage, a type of repair to fix the damage, and communicate, to the client device, the determined type of repair to fix the damage. The at least one processor is programmed to prompt a user of the client device to accept the type of repair including facilitating scheduling of an appointment to complete the type of repair.
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公开(公告)号：US20240265444A1
公开(公告)日：2024-08-08
申请号：US18641541
申请日：2024-04-22
Inventor： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Eric 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：US12014415B2
公开(公告)日：2024-06-18
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
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：US20220351205A1
公开(公告)日：2022-11-03
申请号：US17868527
申请日：2022-07-19
Inventor： Jacob J. Alt , Robert Alpine Jennings , Amber Nelson-Wolfe , Shyam Tummala , Eric Bellas , Jaime Skaggs , Shawn M. Call , Melinda Teresa Magerkurth , Vicki King , Charles H. Roscow , Scott Shoop , Greg Hayes
Abstract: The present methods and systems relate to using and accessing data stored in a blockchain, and in particular, interacting with the blockchain and users via smart contracts to handle account funding and distribution methods. The methods and systems include receiving a transaction from a participant, and verifying the transaction, such as by accessing a smart contract stored on the blockchain and checking a set of parameters against a set of conditions stored in the smart contract. Depending on whether the set of parameters satisfy the conditions, the results may be communicated to participants about the success or failure of the transaction.
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公开(公告)号：US11210734B1
公开(公告)日：2021-12-28
申请号：US15975156
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 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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Patent Agency Ranking
公开(公告)号：US20210350456A1
公开(公告)日：2021-11-11
申请号：US17383350
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：US20210264426A1
公开(公告)日：2021-08-26
申请号：US15878067
申请日：2018-01-23
Inventor： Jacob J. Alt , Eric Bellas , Jaime Skaggs , Shawn M. Call , Melinda Teresa Magerkurth , Vicki King , Charles H. Roscow , Scott Shoop , Greg Hayes , Robert Alpine Jennings , Amber Nelson-Wolfe , Shyam Tummala
Abstract: The present methods and systems relate to using and accessing data stored in a blockchain, and in particular, interacting with the blockchain and users via smart contracts, and protocols to maintain security, and reliability. The methods and systems deal with using and accessing asset information on a blockchain network. For example, the methods and systems may receive a request from a user for asset data stored on the blockchain, analyze the request to determine a type of request, access the asset data stored on the blockchain based upon the type of request and a set of request parameters, perform an action involving the asset data based upon the request, and communicate to the user that the action was performed involving the asset data.
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公开(公告)号：US11094007B1
公开(公告)日：2021-08-17
申请号：US15975474
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 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：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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