公开(公告)号：US07970699B1

公开(公告)日：2011-06-28

申请号：US11390805

申请日：2006-03-27

申请人： William Bramlage ,  Jonathan Strike

发明人： William Bramlage ,  Jonathan Strike

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/025 ,  G06Q40/12

摘要： The invention relates to methods that create and update a centralized and searchable database of lenders' underwriting and pricing guidelines that can be utilized by the consumer and to a system that matches the consumer's qualifications and needs to the best available loan products with associated rate pricing.

摘要翻译： 本发明涉及创建和更新贷方的承销和定价指南的集中和可搜索的数据库的方法，消费者可以利用它们，以及将消费者的资格和需求与符合相关费率定价的最佳可用贷款产品相匹配的系统。

公开(公告)号：US08341073B1

公开(公告)日：2012-12-25

申请号：US13113970

申请日：2011-05-23

申请人： William Bramlage ,  Jonathan Strike

发明人： William Bramlage ,  Jonathan Strike

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/025 ,  G06Q40/12

摘要： A method and system for searching from a plurality of available, relevant loan products with associated pricing, wherein the searching is based on input consumer criteria, includes creating and updating a centralized and searchable database of lenders' underwriting and pricing guidelines that can be utilized by a consumer and matching and optimization of loan products or pricing for a consumer wherein the consumer's qualifications and needs are matched to the best available loan products with associated rate pricing.

摘要翻译： 一种用于从具有相关定价的多个可用的相关贷款产品中搜索的方法和系统，其中所述搜索基于输入消费者标准，包括创建和更新贷方的承销和定价指南的集中和可搜索的数据库，其可以由 消费者和消费者的贷款产品或定价的匹配和优化，其中消费者的资格和需求与具有相关费率定价的最佳可用贷款产品相匹配。

公开(公告)号：US08321335B1

公开(公告)日：2012-11-27

申请号：US13115034

申请日：2011-05-24

申请人： William Bramlage ,  Jonathan Strike

发明人： William Bramlage ,  Jonathan Strike

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/025 ,  G06Q40/12

摘要： The invention relates to methods and systems for presenting a consumer with available loan products with associated pricing comprising comparing the consumer profile to available lender loan products, and optimizing available loan products based upon the consumer criteria, by matching the consumer's qualifications and needs to the best available loan products with associated rate pricing, including combining a plurality of loan products from a single or plurality of lenders to give a consumer a best available loan product.

摘要翻译： 本发明涉及用于向消费者呈现具有相关价格的可用贷款产品的方法和系统，包括将消费者资料与可用贷款人贷款产品进行比较，并且基于消费者标准优化可用的贷款产品，通过将消费者的资格和需求与最佳 提供相关利率定价的可用贷款产品，包括从单一或多个贷方组合多个贷款产品，为消费者提供最佳可用贷款产品。

公开(公告)号：US08793183B2

公开(公告)日：2014-07-29

申请号：US12173226

申请日：2008-07-15

申请人： William Bramlage ,  Jonathan Strike

发明人： William Bramlage ,  Jonathan Strike

IPC分类号： G06Q40/02

CPC分类号： G06Q40/02 ,  G06Q10/10 ,  G06Q30/0601 ,  G06Q30/08 ,  G06Q40/025

摘要： Embodiments of the present invention relate to methods and systems for implementing a product or property search for a consumer, based upon a consumer's desired down payment or/and desired monthly payment. Embodiments disclosed comprise a first subsystem adapted to receive a consumer profile input from a user interface wherein the said subsystem is capable of qualifying the input consumer profile against a single or plurality of lenders' guidelines, and a second subsystem adapted to match lenders' with whom the consumer qualifies, with product sets or properties, and to present the consumer with a set of available products or properties to select.

摘要翻译： 本发明的实施例涉及基于消费者期望的预付款或/和期望的每月支付来实现消费者的产品或财产搜索的方法和系统。 所公开的实施例包括适于从用户接口接收消费者简档输入的第一子系统，其中所述子系统能够根据单个或多个贷款人的指南对输入的消费者简档进行限定，以及适于与贷款者匹配的第二子系统 消费者有资格使用产品集或属性，并向消费者呈现一组可用的产品或属性进行选择。

公开(公告)号：US20100017300A1

公开(公告)日：2010-01-21

申请号：US12173226

申请日：2008-07-15

申请人： William Bramlage ,  Jonathan Strike

发明人： William Bramlage ,  Jonathan Strike

IPC分类号： G06Q40/00 ,  G06Q30/00

CPC分类号： G06Q40/02 ,  G06Q10/10 ,  G06Q30/0601 ,  G06Q30/08 ,  G06Q40/025

摘要： Embodiments of the present invention relate to methods and systems for implementing a product or property search for a consumer, based upon a consumer's desired down payment or/and desired monthly payment. Embodiments disclosed comprise a first subsystem adapted to receive a consumer profile input from a user interface wherein the said subsystem is capable of qualifying the input consumer profile against a single or plurality of lenders' guidelines, and a second subsystem adapted to match lenders' with whom the consumer qualifies, with product sets or properties, and to present the consumer with a set of available products or properties to select.

摘要翻译： 本发明的实施例涉及基于消费者期望的预付款或/和期望的每月支付来实现消费者的产品或财产搜索的方法和系统。 所公开的实施例包括适于从用户接口接收消费者简档输入的第一子系统，其中所述子系统能够根据单个或多个贷款人的指南对输入的消费者简档进行限定，以及适于与贷款者匹配的第二子系统 消费者有资格使用产品集或属性，并向消费者呈现一组可用的产品或属性进行选择。