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公开(公告)号：US20110178920A1
公开(公告)日：2011-07-21
申请号：US12987758
申请日：2011-01-10
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。
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公开(公告)号：US08190516B2
公开(公告)日：2012-05-29
申请号：US12987758
申请日：2011-01-10
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。
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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
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。
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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。
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公开(公告)号：US08380620B2
公开(公告)日：2013-02-19
申请号：US12832000
申请日：2010-07-07
申请人： Allan S. Voltz, III , Eric H. Choltus , Jason S. Cashwell , Robert M. Mauldin, III , Robert H. Eshleman
发明人： Allan S. Voltz, III , Eric H. Choltus , Jason S. Cashwell , Robert M. Mauldin, III , Robert H. Eshleman
IPC分类号： G06Q40/00
摘要： A method includes enrolling a borrower in income curtailment protection associated with a loan, where the loan requires periodic payments. If income curtailment has occurred, a determination is made as to what portion of the periodic payment is to be covered on behalf of the borrower. The determined portion of the periodic payment is covered by an entity other than the borrower on behalf of the borrower.
摘要翻译： 一种方法包括将借款人登记在与贷款相关的收入减免保护中，贷款需要定期支付。 如果发生收入削减，则决定代表借款人支付定期支付的部分费用。 定期支付的确定部分由代表借款人的借款人以外的实体承担。
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公开(公告)号：US08577792B2
公开(公告)日：2013-11-05
申请号：US12831980
申请日：2010-07-07
申请人： Allan S. Voltz, III , Eric H. Choltus , Jason S. Cashwell , Robert M. Mauldin, III , Robert H. Eshleman
发明人： Allan S. Voltz, III , Eric H. Choltus , Jason S. Cashwell , Robert M. Mauldin, III , Robert H. Eshleman
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q40/02 , G06Q40/025
摘要： A method for process monitoring is disclosed. A borrower is offered a proceeding in which a secured party has executed on collateral due to nonpayment prevention and protection plan associated with a secured loan. A periodic payment is received from the borrower in response to the borrower accepting the proceeding in which a secured party has executed on collateral due to nonpayment prevention and protection plan. The proceeding in which a secured party has executed on collateral due to nonpayment prevention and protection plan allows for at least a portion of a loan payment for the secured loan to be covered by a proceeding in which a secured party has executed on collateral due to nonpayment prevention and protection (PP) entity on behalf of the borrower in response to a covered event occurring. The proceeding in which a secured party has executed on collateral due to nonpayment prevention and protection plan additionally may allow for paying/cancelling the debt's investor in response to loss of the property by the borrower.
摘要翻译： 公开了一种用于过程监控的方法。 借款人被提供一个诉讼程序，由于与担保贷款相关的未付款预防和保护计划，担保方已经执行抵押。 收到借款人收到的定期付款，以便借款人接受由于未付款预防和保护计划而在担保方执行抵押品的诉讼。 由于未付款预防和保护计划，担保方已经履行抵押品的程序允许担保贷款的至少一部分贷款支付由担保方因未付款而抵押的诉讼程序所涵盖 预防和保护（PP）实体代表借款人回应被覆盖的事件发生。 担保方由于未付款预防和保护计划而进行抵押的诉讼还可允许支付/取消债务的投资者以应对借款人的财产损失。
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公开(公告)号：US20120046974A1
公开(公告)日：2012-02-23
申请号：US12861499
申请日：2010-08-23
摘要： Embodiments of the invention include systems, methods, and computer-program products that provide for a unique unemployment insurance underwriting system. In one embodiment of the invention, the unemployment insurance underwriting system receives a request to enroll in the unemployment insurance from a user. The system then receives data associated with the user from a financial institution. The system then determines the benefits to be paid to the user based, in some cases, on the data received from the financial institution. The system then determines whether the user qualifies to enroll in the unemployment insurance based on the benefits and the user data. In an embodiment of the invention, the unemployment insurance provides benefits for monthly expenses to users that have become involuntarily unemployed.
摘要翻译： 本发明的实施例包括提供独特的失业保险承保系统的系统，方法和计算机程序产品。 在本发明的一个实施例中，失业保险承保制度从用户那里收到登记失业保险的请求。 系统然后从金融机构接收与用户相关联的数据。 然后，系统在某些情况下，根据从金融机构收到的数据，确定向用户支付的收益。 系统然后根据利益和用户数据确定用户是否有资格参加失业保险。 在本发明的一个实施例中，失业保险为已经成为非自愿失业的用户提供每月支出的福利。
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公开(公告)号：US20120046973A1
公开(公告)日：2012-02-23
申请号：US12861477
申请日：2010-08-23
摘要： Embodiments of the invention include systems, methods, and computer-program products that provide for a unique unemployment insurance marketing system. In one embodiment of the invention, the unemployment insurance marketing system determines selection criteria for the unemployment insurance product. The system then receives data associated with a user, the data received from a financial institution. The system compares the selection criteria with the user data to determine whether the user qualifies to receive an offer. If the user qualifies to receive an offer, the system offers the unemployment insurance to the user. In another embodiment of the invention, the offer is customized to the user's expenses. For example, the offer may be customized based on user's expenses in an online bill payment system.
摘要翻译： 本发明的实施例包括提供独特的失业保险营销系统的系统，方法和计算机程序产品。 在本发明的一个实施例中，失业保险营销系统确定失业保险产品的选择标准。 然后，系统接收与用户相关联的数据，从金融机构接收的数据。 系统将选择标准与用户数据进行比较，以确定用户是否有资格接收报价。 如果用户有资格获得报价，系统向用户提供失业保险。 在本发明的另一个实施例中，报价是根据用户的费用定制的。 例如，可以基于在线账单支付系统中的用户费用来定制报价。
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公开(公告)号：US20100293092A1
公开(公告)日：2010-11-18
申请号：US12831980
申请日：2010-07-07
申请人： Allan S. Voltz, III , Eric H. Choltus , Jason S. Cashwell , Robert M. Mauldin, III , Robert H. Eshleman
发明人： Allan S. Voltz, III , Eric H. Choltus , Jason S. Cashwell , Robert M. Mauldin, III , Robert H. Eshleman
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q40/02 , G06Q40/025
摘要： A method for process monitoring is disclosed. A borrower is offered a foreclosure prevention and protection plan associated with a secured loan. A periodic payment is received from the borrower in response to the borrower accepting the foreclosure prevention and protection plan. The foreclosure prevention and protection plan allows for at least a portion of a loan payment for the secured loan to be covered by a foreclosure prevention and protection (FPP) entity on behalf of the borrower in response to a covered event occurring. The foreclosure prevention and protection plan additionally may allow for paying/cancelling the debt's investor in response to loss of the property by the borrower.
摘要翻译： 公开了一种用于过程监控的方法。 借款人被提供与抵押贷款相关的止赎预防和保护计划。 借款人收到定期付款以回应借款人接受止赎防止和保护计划。 止赎防止和保护计划允许至少一部分担保贷款的贷款支付由抵押抵押品抵押品和保护机构（FPP）实体代表借款人回应所涉事件的发生。 止赎防止和保护计划另外还可以允许支付/取消债务的投资者以应对借款人的财产损失。
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公开(公告)号：US20100293083A1
公开(公告)日：2010-11-18
申请号：US12832000
申请日：2010-07-07
申请人： Allan S. Voltz, III , Eric H. Choltus , Jason S. Cashwell , Robert M. Mauldin, III , Robert H. Eshleman
发明人： Allan S. Voltz, III , Eric H. Choltus , Jason S. Cashwell , Robert M. Mauldin, III , Robert H. Eshleman
IPC分类号： G06Q40/00
摘要： A method includes enrolling a borrower in income curtailment protection associated with a loan, where the loan requires periodic payments in order for the borrower to avoid defaulting on the loan. If income curtailment has occurred, a determination is made as to what portion of the periodic payment is to be covered on behalf of the borrower. The determined portion of the periodic payment is covered by an entity other than the borrower on behalf of the borrower.
摘要翻译： 一种方法包括将借款人列入与贷款相关的收入减免保护，贷款需要定期支付，以便借款人避免违约贷款。 如果发生收入削减，则决定代表借款人支付定期支付的部分费用。 定期支付的确定部分由代表借款人的借款人以外的实体承担。
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