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48 条记录 (耗时 0.045 秒)

    Equity protection
    41.
    发明授权
    Equity protection 有权
    股权保护

    公开(公告)号：US07917431B2

    公开(公告)日：2011-03-29

    申请号：US11750808

    申请日：2007-05-18

    申请人： Debashis Ghosh ,  Sudeshna Banerjee ,  William Michael Upchurch ,  Robert H. Eshleman ,  Christopher James Trainor ,  Frank B. Turner

    发明人： Debashis Ghosh ,  Sudeshna Banerjee ,  William Michael Upchurch ,  Robert H. Eshleman ,  Christopher James Trainor ,  Frank B. Turner

    IPC分类号： G06Q40/00 ,  G06Q10/00

    CPC分类号： G06Q40/02 ,  G06Q40/025 ,  G06Q40/04 ,  G06Q40/06

    摘要： Systems and methods are illustrated for providing an equity protection product to a borrower of a loan. Aspects of the equity protection product may be implemented using an equity protection agreement. The equity protection product may be used to safeguard a borrower's investment in the event of a housing market downturn. In some examples, once the equity protection is purchased, the borrower's equity can only increase or remain stable (i.e., flat) regardless of market conditions. The payoff amount of the borrower's loan may be reduced to compensate for a change in the market value of the borrower's home. The equity protection product may be provided by a lending institution, bank, or any other comparable entity/person. A trading desk may also be used to hedge against the risk created by the equity protection product. In addition, an appraiser may also be used to evaluate and provide current market values of the relevant property.

    摘要翻译： 说明了向贷款借款人提供股权保护产品的制度和方法。 股权保护产品的方面可以使用股权保护协议实施。 房地产市场低迷时，股权保护产品可用于维护借款人的投资。 在一些例子中，一旦购买了股权保护，借款人的权益只会增加或保持稳定（即持平），不论市场情况如何。 可以减少借款人贷款的支付金额，以补偿借款人家庭的市值变化。 股权保护产品可以由贷款机构，银行或任何其他类似实体/人员提供。 交易柜台也可用于对冲股权保护产品所产生的风险。 此外，估价师也可以用来评估和提供相关财产的当前市场价值。

    Detecting credit misuse
    44.
    发明授权
    Detecting credit misuse 有权
    检测信用滥用

    公开(公告)号：US08504469B2

    公开(公告)日：2013-08-06

    申请号：US12705770

    申请日：2010-02-15

    申请人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    发明人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q10/06 ,  G06Q20/00 ,  G06Q20/4016 ,  G06Q30/0185 ,  G06Q40/00 ,  G06Q40/12

    摘要： Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC individuals. Embodiments of the present invention provide systems, methods, and computer program products for reviewing, on a daily basis, financial-transaction data taken across a plurality of individual consumers, identifying individual consumers whose financial-transaction data indicates IMOC behavior, and flagging those individual consumers as IMOC individuals. To enhance financial institutions' ability to make accurate credit-approval decisions, other embodiments of the present invention provide systems, methods, and computer program products for reviewing a particular credit applicant's most recent financial-transaction data and, based thereon, determining whether that credit applicant, who otherwise has a good credit history, exhibits recent IMOC behavior and thereby possesses the propensity to misuse the applied-for credit.

    摘要翻译： 与信用滥用相关的行为在本文称为“有意滥用信贷”（IMOC）行为，而呈现IMOC行为的个人在此称为IMOC个人。 本发明的实施例提供了用于每天审查跨越多个个体消费者的金融交易数据的系统，方法和计算机程序产品，识别其财务交易数据指示IMOC行为的个体消费者，并且标记那些个人 消费者为IMOC个人。 为了增强金融机构做出准确的信用审批决定的能力，本发明的其他实施例提供了用于审查特定信用申请人最近的金融交易数据的系统，方法和计算机程序产品，并且基于此确定该信用 具有良好信用记录的申请人表现出最近的IMOC行为，从而具有滥用申请信用的倾向。

    DETECTING CREDIT MISUSE
    46.
    发明申请
    DETECTING CREDIT MISUSE 有权
    检测信用错误

    公开(公告)号：US20110202436A1

    公开(公告)日：2011-08-18

    申请号：US12705770

    申请日：2010-02-15

    申请人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    发明人： Sreedevi Gummuluri ,  Yanghong Shao ,  Debashis Ghosh ,  Sudeshna Banerjee

    IPC分类号： G06Q10/00 ,  G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q10/06 ,  G06Q20/00 ,  G06Q20/4016 ,  G06Q30/0185 ,  G06Q40/00 ,  G06Q40/12

    摘要： Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC individuals. Embodiments of the present invention provide systems, methods, and computer program products for reviewing, on a daily basis, financial-transaction data taken across a plurality of individual consumers, identifying individual consumers whose financial-transaction data indicates IMOC behavior, and flagging those individual consumers as IMOC individuals. To enhance financial institutions' ability to make accurate credit-approval decisions, other embodiments of the present invention provide systems, methods, and computer program products for reviewing a particular credit applicant's most recent financial-transaction data and, based thereon, determining whether that credit applicant, who otherwise has a good credit history, exhibits recent IMOC behavior and thereby possesses the propensity to misuse the applied-for credit.

    摘要翻译： 与信用滥用相关的行为在本文称为“有意滥用信贷”（IMOC）行为，而呈现IMOC行为的个人在此称为IMOC个人。 本发明的实施例提供了用于每天审查跨越多个个体消费者的金融交易数据的系统，方法和计算机程序产品，识别其财务交易数据指示IMOC行为的个体消费者，并且标记那些个人 消费者为IMOC个人。 为了增强金融机构做出准确的信用审批决定的能力，本发明的其他实施例提供了用于审查特定信用申请人最近的金融交易数据的系统，方法和计算机程序产品，并且基于此确定该信用 具有良好信用记录的申请人表现出最近的IMOC行为，从而具有滥用申请信用的倾向。

    Equity Protection
    48.
    发明申请
    Equity Protection 有权
    股权保护

    公开(公告)号：US20080288415A1

    公开(公告)日：2008-11-20

    申请号：US11750808

    申请日：2007-05-18

    申请人： Debashis Ghosh ,  Sudeshna Banerjee ,  William Michael Upchurch ,  Robert H. Eshleman ,  Christopher James trainor ,  Frank B. Turner

    发明人： Debashis Ghosh ,  Sudeshna Banerjee ,  William Michael Upchurch ,  Robert H. Eshleman ,  Christopher James trainor ,  Frank B. Turner

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q40/025 ,  G06Q40/04 ,  G06Q40/06

    摘要： Systems and methods are illustrated for providing an equity protection product to a borrower of a loan. Aspects of the equity protection product may be implemented using an equity protection agreement. The equity protection product may be used to safeguard a borrower's investment in the event of a housing market downturn. In some examples, once the equity protection is purchased, the borrower's equity can only increase or remain stable (i.e., flat) regardless of market conditions. The payoff amount of the borrower's loan may be reduced to compensate for a change in the market value of the borrower's home. The equity protection product may be provided by a lending institution, bank, or any other comparable entity/person. A trading desk may also be used to hedge against the risk created by the equity protection product. In addition, an appraiser may also be used to evaluate and provide current market values of the relevant property.

    摘要翻译： 说明了向贷款借款人提供股权保护产品的制度和方法。 股权保护产品的方面可以使用股权保护协议实施。 房地产市场低迷时，股权保护产品可用于维护借款人的投资。 在一些例子中，一旦购买了股权保护，借款人的权益只会增加或保持稳定（即持平），不论市场情况如何。 可以减少借款人贷款的支付金额，以补偿借款人家庭的市值变化。 股权保护产品可以由贷款机构，银行或任何其他类似实体/人员提供。 交易柜台也可用于对冲股权保护产品所产生的风险。 此外，估价师也可以用来评估和提供相关财产的当前市场价值。