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公开(公告)号：US08346658B1
公开(公告)日：2013-01-01
申请号：US12110523
申请日：2008-04-28
申请人： Lisa D. Curry , Cherie A. Arruda , James D. Heisterkamp, Jr. , Donna L. Nicholson , Ryan Gene Ritz
发明人： Lisa D. Curry , Cherie A. Arruda , James D. Heisterkamp, Jr. , Donna L. Nicholson , Ryan Gene Ritz
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025
摘要： A line of credit with pre-agreed line increases is described. In example embodiments, the line of credit is secured by a residence, and the borrower can agree at initial closing to periodic line increases, so that additional closings and re-recording are not necessary. Modeling can be used by the financial institution to determine if and when to offer increases in the LOC. An automated servicing routine is then used to produce a recommendation with respect to increasing the LOC loan amount. This automated servicing routine includes at least one model to produce the recommendation. The line of credit can be increased if and when recommended by the servicing platform.
摘要翻译： 描述了具有预先约定的线增长的信用额度。 在示例实施例中，信用额度由居住地确保，并且借款人可以在初始关闭期间同意周期性线路增加，使得不需要额外的关闭和重新记录。 金融机构可以使用建模来确定是否和何时提供LOC的增长。 然后，使用自动化服务程序来产生关于增加LOC贷款金额的建议。 这种自动化服务程序包括至少一个产品推荐模型。 如果服务平台推荐，信用额度可以增加。
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公开(公告)号：US20120030099A1
公开(公告)日：2012-02-02
申请号：US12847441
申请日：2010-07-30
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q40/00
摘要： Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a loan account, a loan management tool. In some embodiments, the method includes: storing information relating to a loan account associated with a borrower in a storage device, wherein a first interest rate is associated with the loan account, segmenting the loan account into at least a first spend category, and associating a second interest rate with the first spend category, wherein the second interest rate is different from the first interest rate. The method may also include receiving a payment comprising a first portion based on the first interest rate and a second portion based on the second interest rate, and applying a first portion of the payment to reducing a balance of the first spend category. In some embodiments, the systems and methods of the present invention are used in connection with a HELOC account.
摘要翻译： 本发明的实施例涉及用于实施贷款账户的贷款管理工具的方法和装置。 在一些实施例中，所述方法包括：将与借款人相关联的贷款帐户相关的信息存储在存储装置中，其中第一利率与贷款账户相关联，将该贷款账户分为至少第一支出类别，以及关联 第一利率与第一支出类别的第二利率，其中第二利率不同于第一利率。 该方法还可以包括基于第一利率接收包括第一部分的支付和基于第二利率的第二部分，以及应用支付的第一部分以减少第一支出类别的余额。 在一些实施例中，本发明的系统和方法结合HELOC帐户使用。
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公开(公告)号：US08301558B2
公开(公告)日：2012-10-30
申请号：US12847434
申请日：2010-07-30
IPC分类号： G06Q40/00
摘要： Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a HELOC account, a loan management tool. In some embodiments, the method includes: storing information relating to a loan account associated with a borrower, segmenting the loan account into one or more spend categories, and allocating purchases and payments, or portions thereof, made by the borrower to at least one of the one or more spend categories. In addition, the method may further include receiving from the borrower an input and calculating, based on the input, an output, wherein the output comprises at least one of the anticipated payoff date, the monthly payment amount, and the total saved interest.
摘要翻译： 本发明的实施例涉及用于实施与HELOC账户相关的贷款管理工具的方法和装置。 在一些实施例中，所述方法包括：存储与借用者相关联的贷款账户相关的信息，将贷款账户分为一个或多个支出类别，以及将借款人所做的购买和支付或其部分分配给以下各项中的至少一个： 一个或多个支出类别。 此外，该方法还可以包括从借用者接收输入并基于输入来计算输出，其中输出包括预期支付日期，每月支付金额和总节省的利息中的至少一个。
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4.发明授权公开(公告)号：US08131637B1
公开(公告)日：2012-03-06
申请号：US11560089
申请日：2006-11-15
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025 , G06Q40/04 , G06Q40/06
摘要： A predictive model for use in providing an equity release (reverse mortgage) financial product is disclosed. In at least some embodiments, a plurality of representative loans are created, wherein each loan can be characterized by a borrower type and a mortality table. A plurality of joint interest rate and house price scenarios are also created. Each of the representative loans can be run through each of the joint interest rate and house price scenarios to measure profitability metrics. The model can also be used to determine loan-to-value (LTV) ratios based on considerations including borrower age, loan volume sensitivity, a determined profit-maximizing LTV ratio, and geographic market considerations.
摘要翻译： 披露了提供股票发行（反向抵押）金融产品的预测模型。 在至少一些实施例中，创建多个代表性贷款，其中每个贷款可以由借款人类型和死亡率表表征。 还建立了多种联合利率和房价情景。 每个代表性贷款都可以通过每个联合利率和房价情景来衡量盈利能力指标。 该模型还可以用于基于包括借款人年龄，贷款量敏感性，确定的利润最大化的LTV比率和地理市场考虑等因素来确定贷款价值（LTV）比率。
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公开(公告)号：US20120030092A1
公开(公告)日：2012-02-02
申请号：US12847454
申请日：2010-07-30
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/025
摘要： Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a loan account, a loan management tool. In some embodiments, the method includes: identifying a loan account associated with a loan, indentifying information associated with collateral securing the loan, determining a current equity value associated with the collateral, and generating a notification that additional credit may be added to the loan account. A current equity value associated with the collateral may be determined by calculating the difference between the market value for the collateral and the total amount of debt and credit secured by the collateral. The loan account may be a HELOC account where the collateral is a home.
摘要翻译： 本发明的实施例涉及用于实施贷款账户的贷款管理工具的方法和装置。 在一些实施例中，该方法包括：识别与贷款相关联的贷款账户，识别与抵押物相关联的信息，确保贷款的抵押，确定与抵押品相关联的当前权益值，以及生成可以将附加信用额加到贷款账户的通知 。 与抵押品相关的当前权益值可以通过计算抵押品的市场价值与抵押品担保的债务和信贷总额之间的差额来确定。 贷款账户可能是抵押品是家庭的HELOC账户。
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公开(公告)号：US20110022512A1
公开(公告)日：2011-01-27
申请号：US12872929
申请日：2010-08-31
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/025
摘要： Embodiments of the present invention relate to methods and apparatuses for providing, processing, and/or servicing a mortgage loan having one or more exercisable options. For example, in some embodiments, a method is provided that includes storing, in a non-transitory computer-readable medium, one or more terms of an exercisable option, where the option is incorporated into a mortgage loan, where exercising the option results in one or more terms of the mortgage loan being modified, and where one or more terms of the option are based at least partially on a non-mortgage relationship between a borrower associated with the mortgage loan and a lender associated with the mortgage loan.
摘要翻译： 本发明的实施例涉及用于提供，处理和/或提供具有一个或多个可行使选项的抵押贷款的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括在非暂时性计算机可读介质中存储可行权期权的一个或多个条款，其中该期权被并入抵押贷款中，其中行使该期权的结果 抵押贷款的一个或多个条款被修改，以及期权的一个或多个条款至少部分地基于与抵押贷款相关联的借款人与与抵押贷款相关的贷款人之间的非抵押关系。
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公开(公告)号：US08595130B2
公开(公告)日：2013-11-26
申请号：US12872929
申请日：2010-08-31
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/025
摘要： Embodiments of the present invention relate to methods and apparatuses for providing, processing, and/or servicing a mortgage loan having one or more exercisable options. For example, in some embodiments, a method is provided that includes storing, in a non-transitory computer-readable medium, one or more terms of an exercisable option, where the option is incorporated into a mortgage loan, where exercising the option results in one or more terms of the mortgage loan being modified, and where one or more terms of the option are based at least partially on a non-mortgage relationship between a borrower associated with the mortgage loan and a lender associated with the mortgage loan.
摘要翻译： 本发明的实施例涉及用于提供，处理和/或提供具有一个或多个可行使选项的抵押贷款的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括在非暂时性计算机可读介质中存储可行权期权的一个或多个条款，其中该期权被并入抵押贷款中，其中行使该期权的结果 抵押贷款的一个或多个条款被修改，以及期权的一个或多个条款至少部分地基于与抵押贷款相关联的借款人与与抵押贷款相关的贷款人之间的非抵押关系。
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公开(公告)号：US08280808B2
公开(公告)日：2012-10-02
申请号：US12847441
申请日：2010-07-30
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q40/00
摘要： Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a loan account, a loan management tool. In some embodiments, the method includes: storing information relating to a loan account associated with a borrower in a storage device, wherein a first interest rate is associated with the loan account, segmenting the loan account into at least a first spend category, and associating a second interest rate with the first spend category, wherein the second interest rate is different from the first interest rate. The method may also include receiving a payment comprising a first portion based on the first interest rate and a second portion based on the second interest rate, and applying a first portion of the payment to reducing a balance of the first spend category. The systems and methods of the present invention are used in connection with a HELOC account.
摘要翻译： 本发明的实施例涉及用于实施贷款账户的贷款管理工具的方法和装置。 在一些实施例中，所述方法包括：将与借款人相关联的贷款帐户相关的信息存储在存储装置中，其中第一利率与贷款账户相关联，将该贷款账户分为至少第一支出类别，以及关联 第一利率与第一支出类别的第二利率，其中第二利率不同于第一利率。 该方法还可以包括基于第一利率接收包括第一部分的支付和基于第二利率的第二部分，以及应用支付的第一部分以减少第一支出类别的余额。 本发明的系统和方法结合HELOC账户使用。
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公开(公告)号：US08019677B1
公开(公告)日：2011-09-13
申请号：US11560096
申请日：2006-11-15
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025 , G06Q40/04 , G06Q40/06
摘要： A convertible, home-equity based financial product is disclosed. Example embodiments of the invention provide a home loan that can be converted into a reverse mortgage, also known as an “equity release” product. In example embodiments, the product can be set up so that there is a low or no-documentation requirement upon conversion. Conversion can be triggered upon a request from the borrower, or upon some other event. The proceeds from the conversion can be provided in many different ways, for example, as a lump sum, an investment, a line of credit, or a scheduled pay-out. The proceeds from the equity release can also be distributed so as to be used in purchasing a residence, for example, a second or vacation home.
摘要翻译： 披露可转换，以家庭为基础的金融产品。 本发明的示例性实施例提供可以转换为逆向抵押（也称为“股本发行”）产品的房屋贷款。 在示例实施例中，可以设置产品，使得在转换时存在低或无文档要求。 转换可以根据借款人的请求或其他事件触发。 转换的收益可以以许多不同的方式提供，例如一次总付，一笔投资，一条信用额度或一个定期支付。 发行股权的收益也可以分配，以便用于购买居住地，例如第二或度假屋。
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公开(公告)号：US20110022507A1
公开(公告)日：2011-01-27
申请号：US12872922
申请日：2010-08-31
IPC分类号： G06Q40/00
摘要： Embodiments of the present invention relate to methods and apparatuses for providing, processing, and/or servicing a mortgage loan having one or more exercisable options. For example, in some embodiments, a method is provided that includes storing, in a non-transitory computer-readable medium, one or more terms of an exercisable option, where the option is incorporated into a mortgage loan, where the mortgage loan includes a fixed interest rate, and where the option includes an interest rate modification feature, such that exercising the option results in the value of the fixed interest rate being modified from a first value to a second value.
摘要翻译： 本发明的实施例涉及用于提供，处理和/或提供具有一个或多个可行使选项的抵押贷款的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括在非暂时计算机可读介质中存储可行权期权的一个或多个条款，其中该期权被并入抵押贷款中，其中按揭贷款包括 固定利率，以及期权包括利率修正功能的情况，使得行使期权导致将固定利率的价值从第一值修改为第二值。
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